vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above 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 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I was very sick over the last week and my account went unattended, and we had other sickness in our household. I lost track of scheduled debits which caused an overdraft where I was charged {$72.00} on XX/XX/2023 then this caused another overdraft two days later of {$36.00} totalling {$100.00}. I had money in my business account, but due to being sick, failed to move it over. I've tried to work with the bank in the past without success. I'd like the {$100.00} refunded. This was an isolated incident I believe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 my credit was pulled by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I submitted a claim for {$2700.00} for a transaction where I didn't receive what was ordered.I was issued a temporary credit for the claim. I sent the paper work back and my claims rep closed my claim stating it was submitted under the wrong reasoning. I called and spoke to my claims rep and clarified that I didn't pick the reason, that I just explained the situation to customer service and they picked the reason. The claims rep advised that she would reopen my claim and reissue the temporary credit but she needed to wait because she had already submitted for the temporary credit to be reversed. Weeks pass and nothing happens. I called in and submitted a call back request. Nothing happened, so I called in again and another call back request was submitted. Finally, I got a call back saying the rep left and could not be located, my claim was being reopened and the temporary credit reapplied. The rep only applied part of my claim which was {$2500.00}. I called in to talk to another rep and advised that the {$200.00} was forgotten and she said I'll just add it to your claim. I received notification that the {$2500.00} was approved and closed out. Weeks passed nothing happened with the {$200.00}, so I called in because I went to pay my mortgage and I noticed that my checking account was closed for being negative the {$200.00}. I called in and submitted an escalation, and someone started calling me stating they need more information. For 3 weeks, I played phone tag with the rep calling me, until I asked for a manager to call me. I received a call from XXXX who leaves me a voicemail message. I called him back and he tells me that they don't actually need anymore information that it was already in my account. I ask if my checking account will be reopened and he says he doesn't know that when they issue the {$200.00} that it may force the account open or they will issue a check. Today I received a check for {$18.00} cents, nobody has apologized, I have not received confirmation that the negative checking account was resolved and that I am not on check systems nothing. I am just really upset with how my account was handled and how nothing was done, to rectify their error and now I am with out the checking account I use to pay my mortgage payments.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX continues to report false credit reporting on and account they is not considered credit transaction history, the account was recently removed for violation of permissible purpose but then reappeared only on XXXX. No authorization or written consent was give to furnish private source data information by either party. Violation of permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I took out a loan with possible finance paid it off on time however XXXX  and possible finance they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against possible finance for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting 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: CA

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX Its been more than 45 days and company has not responded.

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 2023-09-13 00:00:00
Product: Credit reporting 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 Account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-13 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2023, I purchased a merchandise from XXXX XXXX - XXXX - XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) for the amount of {$1900.00}. When I received my first statement it showed that I needed to pay {$2800.00}. I received my first statement on XX/XX/2023, from XXXX XXXX XXXX ( this was opened through the XXXX store ). I immediately called to speak to customer service XXXX. The person answered the phone handled very nicely and told me that they will look into it and get back to me. She also told me that in the meantime I should submit my monthly payments which I did. Nobody contacted me, then I received my second statement, they wrong amount was still there. I called again and the same thing, the person who answered the phone ask me more questions and asked me if I have the receipt, which I do. She told me sending the receipt should be able to fix the problem. I sent the receipt on XX/XX/2023. I did not receive anything from them, so I call them back to ask if they have received my letter with the receipt and the person on the phone told me yes and she said not to worry.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase deleted an ACH external account that I transfer money due to fraud risk ; However after instructing them to add the specific account they have failed to show any effort to initiate the addition - No proof of micro deposit provided to client. 
- No communication between Chase and XXXX XXXX - No information exchange between Payment team and Technology team trouble shooting the info. Instead they are asking the client to provide more screenshots ( already provided screenshot of online error message )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Request To Review Denied Claims Dear Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX  regarding the numerous disputed transactions that were filed on my Bank of America account ending in XXXX. While I appreciate you providing a detailed summary of the claims and their respective statuses, I find your uneven approvals and denials of these claims to be highly perplexing. 
As evidenced by the subject matter and timing of these charges, it is abundantly clear that they originate from the same fraudulent scheme perpetrated by an unknown third party without my consent. However, your decision to approve certain claims ( XXXX, XXXX ) while denying the majority of others appears inconsistent at best and contradictory at worst. 
If you had investigated the claims thoroughly, you would have undoubtedly reached the conclusion that these charges lack merit across the board. I am hard pressed to comprehend why approvals were granted for some and not others, when they clearly exhibit the same indicators of fraud according to my account history and your documentation. 
This arbitrary cherry-picking of disputes to approve casts serious doubt on the rigor of your investigative process. I request that Bank of America undertake a comprehensive review of ALL submitted claims with greater scrutiny and care before reaching determinations. Moving forward, I expect that my disputes will be evaluated fairly based on their individual merits, not on vague assumptions or internal policies that fail to account for nuances in fraud patterns. 
Additionally, please provide a detailed, point-by-point explanation for why each claim was approved or denied. I believe I am entitled to understand the rationale behind these decisions that directly affected my finances and livelihood. Anything less would be a disservice to your customers who trust you to thoroughly investigate fraud and reimburse them accordingly. 
I look forward to receiving your response to address these inconsistencies and provide next steps. Please feel free to contact me if any additional information is required from my end. As the victim of an apparent scam, I hope you can understand my position and desire for fair treatment and transparency from my financial institution. 
Thank you in advance for your cooperation and understanding.Sincerely, 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 monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 non-monetary relief