vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/2021. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/2021.

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: CarMax, Inc.
State: FL

Complaint narrative:
I have hard inquiries on my credit score that i did not do.

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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have hard inquiries on my credit score that i did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Complaint # 1 I changed my home insurance to XXXX XXXX in XX/XX/2021. My agent notified me all insurance information was updated. In XXXX, I received a letter from Huntington Bank indicating they did not have insurance information. I went online to https : XXXX and completed the information and uploaded a copy of the insurance document. I received another letter on XX/XX/XXXX. Again I went online and updated and uploaded my information. 
Now, on XX/XX/XXXX, I received a letter from Huntington Bank indicating they are charging me for home insurance because they did not receive a response. 
I went online again today for the 3rd time and uploaded my insurance information. the site specifically says if there is a problem, I would be notified by email. I have never been notified of a problem. 

Complaint # 2 Huntington Bank decided to increase my monthly mortgage payment by almost {$300.00} per month. I received no prior notification this would happen, or an explanation as to why it happened. 

Complaint # 3 TCF Bank had predatory collection practices. I became delinquent for one month and was unable to catch up that payment. My husband had many XXXX XXXX and passed away because of them. I had asked TCF for a one month forbearance to allow the payment to be skipped. They denied me and continued to charge me late charges every month. I was finally able to get caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
My membership was cancelled with XXXX  XXXX  and they still attempt to collect after telling me the membership was cancelled. They have horrible business tactics and have no sent it to collections. 

I also wrote and sent them an email requesting the cancellation again to main branch with the other letter given to me at the other branch attached. Both are included.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 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 XXXXXXXX, have 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 a 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 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 XXXXXXXX, have 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 a account without my written instructions

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I called Equifax twice in the past week trying to get erroneous accounts removed. I called and explaind that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3. Equifax assumed this role w/out my express permission or consent. Equifax did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to furnish my consumer reports. They offered to " File Dispute '' which I notified them of my right and asked for deletion immediately. I never authorized a " Dispute '' but it was initiated. Attached are the proof of initiation. The following information needs to be remedied immediately. 
My Personal information is incorrect. Any variance of my birth name of XXXX XXXX XXXX needs to be removed. Only my current address of XXXX XXXX XXXX XXXX NC XXXX should appear. 
Collections : Under new law medical bills less than {$500.00} can not be included on report. 
XXXX XXXX XXXX XXXX {$170.00} The following Inquiries were never authorized.. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX The following Accounts were are violations and needs to be removed.. 

XXXX XXXX XXXX  Acct # xxxxxx XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxxx XXXX.

Company response to consumer: Closed with explanation
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 — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I thought I purchased a door stop as a gift on XXXX website. The only way to complete the transaction was through PayPal 's 'Send to Friend'which I should have red flagged. There was no communication, no confirmation from the website about my order, nothing, nada zip. I emailed the address on the website and the email bounced back. I contacted the XXXX seller, nothing. I looked up XXXX and it is not legit. I then called XXXX XXXX who has always reversed fraudulent transactions- this time they gave me PayPal XXXXs #. PayPal was no help and basically said the purchase was fine on their end. How so? I wasted {$39.00} on a product my brother never received!! PayPal should be held accountable and I should be refunded the money that XXXX XXXX stole from me. Thank you,

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  ) XX/XX/2021, 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 a account without my written instructions

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 — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Arrived home from vacation with a credit card opened in my name. The card is in my name and sent to my home address, but the originator of the card is an address in North Carolina. XXXX XXXX XXXX XXXX. XXXX, NC XXXX. I contacted Bank of America on XX/XX/2022. The account was closed and it was recommended I contact my local authorities, file a report with the FTC.gov, and notify the credit bureau to make sure the account is closed and removed and that no other accounts have been opened in my name.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Care Credit Sychony Bank I applied for a credit card mostly for vet  bills for animal care, years ago I did have one it was paid in full, Last year I applied a second time and it was approved and I was sent the card and I never needed to use it so I was sent a letter by the credit card stating that if I did not use the card by XX/XX/2022 they were going to cancel the card, so I did not need to use the card at all so it was cancelled. So now I wanted to get the credit card renewed and was denied for a reason unknown called the company and they stated they never sent the letter and have no records unfortunately I can not find the letter or credit card number so this is my problem I just would like to know why my application was denied and I had a valid credit card before Thank you for your time

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called Experian, the rep there suggested I reach out to CFPB and file a complaint.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 2021, 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 a 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am an accountant for a small company. The credit card that is in the president of the company 's name fell victim to a compromise of the credit card information. It is believed, as has been reported by many people in the neighborhood of his residence, there was a skimmer on a pump at the local gas station. We received an alert from CITI bank that the card had fraudulent charges on it. At that time, they cancelled the card and sent a new one. We then continued to receive fraudulent charges. CITI then told us they would cancel the new card and turn off " automatic biller '' on their end and we disputed the charges. According to them, automatic biller is their authorization to automatically update to new card information if one has common reoccurring charges to a business. At this same moment, I was also granted " admin '' status to speak directly to CITI on behalf of the primary card holder. The very next day we received more fraudulent charges. I called to speak with CITI and to dispute the new charges. We went through every single charge and they marked them in dispute. The very next day we received more charges. I called in with the primary and they again told us " automatic biller '' wasn't turned off, that they would turn it off, and they would cancel the current card and send yet another new one. This has been going on for weeks. In total, we were told they turned off " automatic biller '' 3 times. We've received XXXX new cards. We received an new fraudulent charge today and I attempted to call to report it today. Today they told me that as an " admin '' they could not talk to me regarding disputed charges and that they could only talk to the " primary ''. 
CITI XXXX department has completely bumbled this whole thing. The scammer has racked up {$1500.00} worth of charges and it continues to climb as CITI has continued to fail. We were also told, despite CITI being in total fault due to their negligence in handling the compromised account, that they were most likely not going to refund the fraudulent charges they helped create. Nothing about how CITI has handled this incident should in any way be acceptable.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on lendingtree where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.

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: DriveTime
State: FL

Complaint narrative:
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a synchrony credit card through Lowes. I have recently noticed that I can not seem to move the balance down hardly at all. Upon further investigation I was able to locate a card security fee. After hours of research, I was able to pin down what this was. Apparently it is a fee that varies based on balance to cover if something happens. I absolutely never agreed to have this added onto my card. I called the card security for the synchrony card to get it cancelled and request a refund for this. They did cancel the fee for the future and refunded ( not yet 3-5 business days ) {$740.00} according to the representative. I asked her how this could have been signed up for when I did not have anything to do with it. She said it was signed up for in XX/XX/2009 when the card was opened. I never agreed to this and would like to know how this was happened. I did end the call with them, but after digging even more, I realized that XXXX $ is only like one year of fees. We are talking about 12 years of fees - thousands of dollars, taken without any written approval. The representative said they only need verbal agreement, which no one gave. I fee I am in my legal right to get all of the fees refunded and I can not fathom how this is okay. They could sign anyone up for this verbal agreement without asking anyone. I am disgusted that people, including me, are being taken advantage of.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to EXPERIAN XXXX XXXX XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is in violation of 15 USC 1681b, permissible purpose of consumer reports. I did not give written instructions for these items to be reported to my consumer reports. Also, a fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an XXXX XXXX American Express XXXX, the offer said that the welcome bonus is XXXX XXXX bonus points and a free night certificate if i spent {$2000.00} in 3 month. I spent over the spending requirement, and the bonus points wasn't credited to the account. When I called and inquiry they told me at the time of the signup, they told me that i wasn't offered this welcome bonus but my credit card application was approved. This wasn't told me at the time when I signed for the card, and I paid the {$95.00}. Unclear process, very unreasonable and misleading. Since I don't recall I saw that I was declined a signup bonus, since this is the first time I applied for XXXX American Express Credit Card. Also, I paid for the {$95.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got received a sba loan to my checking account, and after two weeks they hold my bank account, I tried to solve with them a lot of times but it wasnt, and they closed my account and didnt return my remaining balance

Company response to consumer: Closed with monetary relief