vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
National Credit Adjusters Account : XXXX Amount : {$400.00} In accordance with the Fair Credit Reporting Act XXXX  Acct # 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 604A 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 2022-04-11 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
My car loan was paid in full on XXXX of this year, as off today I haven't received the copy of my retail contract marked paid, also have not received the tile for the car. 
Called the bank and they sent me a XXXX  copy of the contract witch is wort nothing. 
i need the original contract signed and stamped paid in full also the tile for the car, as my obligation was paid in full by the terms of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

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 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
There is a discover balance on my account for the amount of {XXXX} with N/A as the payment history. My credit provider doesnt allow me to check the date so Im not aware of when it was placed on the account. I sent XXXX a letter to remove it and havent heard anything back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
Inaccurate use of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
Inaccurate use of my report

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 2022-04-11 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates Account : XXXX Amount : {XXXX} In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Acct # 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 604A 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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Best Buy Credit card closed my account on XXXX XXXX XXXX. I have never been late, and just recently used this card last month. They didn't give me any warning about closing my account. I try to used my card today and the it kept declining. I called best buy and they said they closed my account a few days ago. Best buy said my account is XXXX balance. I ask why did they closed my account if I was never late, have a XXXX balance and just recently have activity on the card. Best Buy operator said, " he dont know ''.

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 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AK

Complaint narrative:
We recently decided to sell our vehicle, so we had a buyer and we called Ally Auto to get a payoff quote, the lady at first told me she faxed it. The second time I called they said yes we will send it. The third time I called they said they couldn't because of an error on the account, but they would remove it and get the payoff quote sent to the dealership, I called today and recorded it they said they can't give me a payoff quote because I owe a payment. Then suddenly it was they can't because one payment was sent to collections. The dealership in XXXX Alaska also called Ally, my daughter also called and they are refusing payment.

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 2022-04-11 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 ( also known as 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX XXXX, 2021 Money was transferred twice via XXXX from my checking account at XXXX Bank XXXX XXXX ). Each transfer was {XXXX} for a total loss of {XXXX}. XXXX Bank 's investigation indicated that the transfer was made from my computer and there was no bank error. I did not initiate these transfers and no one else has access to my computer. I have used XXXX numerous times in the past and had no problem. I have been unable to speak with anyone at XXXX because it is not possible to reach a person by phone. 

I recently learned from a customer service person at XXXX Bank that the money was transferred to " XXXX '' at Wells Fargo Bank. I contacted Wells Fargo Bank today and was told that they would not give me any information and that my bank had to contact them. My bank said that they had closed my investigation and would not make this inquiry. Ultimately, they advised filing a police report, which I will do as soon as possible. 

My complaint s are 1 ) that I lost {XXXX} through a fraudulent transfer ; 2 ) that I was - and still am - unable to contact a person at XXXX to request information about the person or place where they transferred my funds ; and 3 ) I have received no assistance in attempting to trace the transferred funds. I do not believe that a company ( XXXX ) should be permitted to operate in Pennsylvania or anywhere else if that do not provide appropriate consumer service, such as a person to contact with problems.

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 2022-04-11 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: MD

Complaint narrative:
Improper uses of my credit files Inquiries 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

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I successfully logged into my online account after using all kinds of fancy security checks. Then I engage the chat subsystem and selected the option " close account '' I then chatted with a rep advising XXXX citing i wanted to close my account. 

I advised her that I was told by the last chat person on last week that it was easy and could do it via online and a check for the remaining balance would be mailed to me. 

But today, the chat person at the " close account '' dept refused and said I had to speak with a person via telephone. I 100 % dont believe this is necessary. Why offer to chat with a person to " close account '' if accounts are not going to be closed upon request? 

The bank has all the information in their system to proceed with my request. All bill payments from the account sucessfully posted on XX/XX/2022. No more withdrawals will be made as of XX/XX/2022 This is just another poor customer service reason why I no longer want to do banking with this bank. 

I want my account closed without spending a lifetime on the phone and discussing anything with people as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I have been banking with SunTrust since XXXX. After retirement I relocated to XXXX where I now reside. Since I financially rely on retirement income from U.S. sources, I obtained international wire transfer privileges with Suntrust in XXXX of XXXX. This was handled in a personal meeting with XXXX XXXX at the XXXX, GA branch. 
Early this year I received an announcement that the wire authentication would change with the creation of Truist. XXXX XXXX assured me that the wire matter would be taken care of in due time. However, in the latest communication, dated XX/XX/XXXX, she states that the only option to obtain access is through another personal visit to a Truist branch. 
I find this response inadequate. My account is the same. I am not requesting additional services, merely the continuation of services that were previously agreed to and delivered without issues until XX/XX/XXXX. Why is the wire transfer agreement no longer valid when obviously other relevant bank agreements with SunTrust remain in place? 
I depend financially on the smooth handling of wire transfers and it is inconvenient, costly, and time consuming for me to visit the U.S. for the sole purpose of repeat signing of forms I already completed in XXXX. As an alternative I suggested that I sign and have notarized any new forms in XXXX. XXXX XXXX is yet to respond to this suggestion.

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 2022-04-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I signed up for the Chase Marriot  XXXX XXXX with an offer that said I would earn XXXX Marriott  XXXX points after spending {XXXX} in 3 months. I completed the spending requirements and received 3 Free Night Credits instead of the XXXX XXXX points. I called Chase XX/XX/22 and they said that there was nothing they could do. I elevated the complaint to a manager and he also said they couldn't do anything. I was given false information at the sign-up for the credit card and was never informed that I was going to receive some other bonus before I approved. Chase needs to remedy the situation or provide compensation. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
The company is called Telechek in Georgia. The process checks. I own a business in XXXX XXXX XXXX, Nevada and have been declined by this processing company. Not for any issues we have had on our checking account ( s ) but for the fact that " my check was considered fraudulent because it was written for an amount higher than I normally write. '' I only do a couple checks a month with this company so they have no way of knowing what I write checks for. In fact, I write over $ XXXX worth of checks each month to many vendors. They stated I have no history with them so they can't approve the processing of my checks. They would not call my bank either to confirm the amount was good. How can I build a " history '' with them if they never approve the checks. I asked to speak with a XXXX and they absolutely would NOT transfer me. XXXX XXXX # XXXX ( probably a fake number ) would not transfer me to anyone else. So they have restricted me from doing business with the particular company here in XXXX XXXX and if any other vendor uses this service, I will be unable to conduct business. These types of companies have too much power. They should not be allowed to decide if my checks are fraudulent without any discussion, proof or evidence. I have been in business since 2008 and do not have issues with other vendors because they do not use Telechek.

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 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXX on Transunion 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 In reference to Account # XXXX I have sent XXXX Certified letters over the past 6 months disputing their claim on this alleged account. Transunion has yet to send me the proof I continue to ask of them, and this is violating my rights as a consumer and under the FCRA. I have enclosed a copy of the last letter sent to them. 

I have also fell victim to improper use of my social security to submit hard inquiries to Banks I have never done business nor attempted to do business with. Below is that list of inquiries : XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 I ask for help in removing these blatant errors that Transunion refuses to show me proof 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 non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have reached out to LVNV DBA Resurgent Capital three times in writing requesting Validation of Debt. They have not responded once. I have a thorough and detailed paper trail providing my extensive written efforts and their lack of abiding federal law and the Fair Debt Collection Practices Act. 
My original request is dated XX/XX/2021 My second request is dated XX/XX/2021, and my last attempt for Validation was XX/XX/2021 I have taken all legal steps to obtain validation and clarification of XXXX debts they are actively collecting but they have not once responded. 
I remain confused and have not been able to achieve a resolution. 
The debts they are reporting are not mine and they are not validating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: DC

Complaint narrative:
Despite numerous attempts via telephone, online, via mail and a prior CFPB complaint, Experian continues to report inaccurate personal information ( several names and one address ) and inquiries on my credit report that I did not authorize. I have provided them with a copy of my drivers license to show what my name and current address is yet several inaccuracies are still being reported. The prior CFPB complaint I submitted was literally initiated and remain unchanged within mere minutes. There is no way they are investigating these inaccuracies nor care to. There are at least 15 inaccuracies and each one carries with it a fine, yet Experian continues to refuse to correct the inaccurate information.

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