vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX an amount or {$160.00} which was a duplicate of the last tranaction that was successfully transferred to my daughter the previous day was withdrawn from my bank account XX/XX/XXXX again another {$160.00} then again on the XX/XX/XXXX an additional {$160.00} was deducted through XXXX XXXX XXXX XXXX  XX/XX/XXXX {$350.00} was taken unauthorized like the above mentioned amounts. When notified Santander they went through the process of telling me it was a 3rd party transaction and therefore they are not responsible for these unauthorized transactions. 
I have sinced closed this account. 
On about XX/XX/XXXX my husband became a victim of fraud with these transactions to both debit and credit cards, he at this moment has no financial identity because again yesterday XX/XX/XXXX in an account he had established for his godchild that was transferred from Santander now with XXXX has been being tamped with throughout the month with a withdraw as late as XX/XX/XXXX. 
We are beside ourselves and although all of the institutes that were effected the only one that hasn't reimbursed the funds in the amount of {$830.00} is Santander. Please help get my funds back and also pervent this fraud as my husband has no clue on what to do besides eliminate credit/debit card usage and prevent access to credit reports. 
please contact me at the information provided in my subscription to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received XXXX credit cards in the mail from Bank of America that I NEVER applied for! XXXX was an XXXX XXXX XXXX and the other ; an XXXX XXXX. I received both cards in the mail out of the blue within a week of each other and each had at least a {$20000.00} credit limit! I called Bank of America and pulled my credit report to find that a XXXX XXXX  address was listed as my address and Ive NEVER been to Texas in my life! I have spent at least XXXX mins on HOLD, before I even get a representative, with Bank of America the last couple of days trying to get this resolved. Some criminal is trying to get credit cards in my name and Bank of America is failing to protect me from this happening. FURTHER, just yesterday ; XX/XX/2022 I get yet ANOTHER ID THEFT LINKED WITH BANK of AMERICA. I received a notification stating that I was denied opening a deposit account I also never initiated! Notice had info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on it. I am currently back on phone WAITING ON HOLD AGAIN to speak to this banking institution after my previous call was disconnected after waiting on hold for XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion, XXXX  and XXXX all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery called my job on XX/XX/2022 at XXXX XXXX. eastern time. Portfolio Recovery was told not to contact or call my job anymore. Portfolio Recovery did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXXXXXX XXXX. This is a violation according to15 USC 1692c : Also, Portfolio Recovery has sued me and taken me to court and the judge dismissed the case due to Portfolio not proving that I owed the debt and they did not show up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I have been using PayPal to receive payments for my XXXX  business ( XXXX XXXX ) also I am using it sometimes to pay. 
On XX/XX/XXXX I give my PayPal account to one of my clients to send me payment, after that I got a mail from PayPal that my account is permanently limited then I got mail informing me that my account temporary limited and asking for some information to submit ( The mail that asking for Information arrived after the permanent limitation mail ). 
So I contacted PayPal customer services asking for the reason and they tell me the decision is final and didn't give me any clear reason. 
After days of searching and contacting my client who send the transaction. 
I discovered that he was using XXXX platform to convert his crypto coins and send them automatically to my PayPal account. 
I didn't know that he will use XXXX platform to send it to me. 
and my client didn't know that PayPal doesn't allow dealing with XXXX platform in my country XXXX. 
I really didn't do anything illegal. 
So I wish you help me get my account back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX XXXX XXXX  On my XXXX credit report for the year of XXXX it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my Experian credit report it shows XXXX XXXX XXXX as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the XXXX XXXX it shows XXXX as late on my experian report but on XXXX it shows current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Back in XXXX I had sent a letter with enclosed documents supporting my claim that your company had reported a number of incorrect data. 

I do not understand why your company is reporting the wrong address when XXXX and XXXX are all reporting the correct address. I need you to attend the following shown items on my credit report in which you have provided incorrectly. 

The previous listed address is incorrect. As well as the employer that is listed on my report. I have never lived or have been associated with the addresses you reported. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital system llc XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
A-L financial corp auto account was closed and paid in full with all the interest on 2020. They had submitted information to XXXX that i had delayed payment for 2 months past 30 days resulting the account status to reflect as potentially negative on XXXX. Keep in mind the account is paid in full and closed. The payment was asked to make at their physical location as still show on their website at XXXX XXXX in XXXX XXXX ca. That office location was closed one day without any prior notification to me and they moved to somewhere far from where i resided back then. when called to make the payment they prefer only cash or XXXX XXXX transfers making is really hard for anyone to make those payments when they did not answer calls and move the physical location to elsewhere without prior notice to loanees. I am in the process of buying a house and i do not want this company after taking all the money and more interest while i was harrased at work and at home almost resulting in XXXX XXXX is now reporting unfavorable statement to XXXX. I had disputed it but the results came back as it satisfys FCRA regulations. I would like to see what proof they have to support FCRA regulations. As per 15 U.S.C. 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604A section2 also states a consumer reporting agency can not furnish account without my written instructions. If no action taken i will reach out to legal counsel and contact AG office against AL financial Corp for malpractices while conducting a business and harassing consumers to the point of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage, XXXX XXXX XXXX, XXXX, MI XXXX, has produced billing errors since I took over as Power of Attorney in XXXX, 2022. These error centers on a monthly charge of {$360.00} for the provision of flood insurance, even though my client already has flood insurance through the XXXX XXXX XXXX. Rocket has received documentation from the XXXX  insurer and myself multiple times proving the existence of flood insurance. However, I received warnings as late as XX/XX/XXXX that Rocket was going to continue to charge {$360.00} for the flood insurance. My client has received threats of late fees and credit damage, this flood insurance weren't paid. I have personally talked to Rocket 's staff to correct these errors. They claim that corrective action will be taken. That remains to be seen as of this date. My client 's experience with Rocket over this insurance issue has caused pain and suffering that Rocket will not compensate for. My client is XXXX XXXX XXXX with XXXX  difficulties. The Mortgage was closed some time before XXXX, but flood insurance was not part of the closure process, even though the lender requires it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I signed up under a Barclays XXXX XXXX ( XXXX  ) promotion that stated the following under the terms and conditions : Bonus XXXX Miles You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. 

I satisfied the terms of the offer by spending {$2000.00} on net purchases within the first 90 days of the card being opened ; however, I only received XXXX bonus miles and did not receive the {$95.00} statement credit. I am still owed XXXX miles from Barclays and/or XXXX XXXX , along with the {$95.00} statement credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good afternoon, I applied for a Chase Freedom XXXX XXXX ( XX/XX/2022 ) and received the card within a week. Upon receipt of the card, and unbeknownst to me, the credit limit was reduced to {$500.00}. When I requested a credit limit increase, they denied it and would not tell me why when I reached out to them. I was transferred to numerous people and they all could not help in any way. I ended up closing the account without ever using the card. The problem here is they ran my credit and issued the card with a credit limit that was not communicated to me or authorized by me. Had I known the the credit limit was going to be {$500.00}, I would not have applied or moved forward with the card. They withheld this information during the application process and signed me up for a card with a credit limit that was not authorized or agreed to by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft. 

This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker. 

XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service. 

I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX  person, I believe that Fifth Third is engaged in elder abuse. 

I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again! 

Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third. 

After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX and Equifax all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, experian and XXXX all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief