vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/2022 I used a XXXX XXXX XXXX ATM located on XXXX XXXX in XXXX Ma. I attempted to withdraw {$200.00} from my Cashapp account. The ATM did not dispense the money but instead a receipt stating the ATM encountered an error and the transaction had been reversed on their end. Upon checking my cashapp account the funds were debited from the account in the amount of {$200.00}. I reached out to both companies and XXXX XXXX XXXX was extremely helpful even having an ATM technician call me on the following Saturday. Since the account itself was not a cashapp and the transaction was already reversed on their end there wasn't much they could do beyond that. Cashapp on the other hand, did not even have a customer service phone number and only offer support through a chat service. The chat service was frustrating to say the least. It was hard to determine if I was speaking to a robot or staff that really didn't care about my situation. At the end of our conversation I was told a ticket for the transaction had been submitted and escalated. I was told it could take up to XXXX calendar days to refund my money. I explained how XXXX dollars is a lot of money for a single mother of XXXX and waiting XXXX days to recover my funds was going to impact our livelihood. I asked why it would take so long when the transaction was already reversed by the ATM. Each time I got a generic automated reply asking if there was anything else I needed help with. With no other options I have waited the alloted XXXX days and have not been reimbursed or even contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
RE : Notice to Reverify Credit Report Dear Experian, Please consider this as a second request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 168XXXX of the Fair Credit Reporting Act of 1997. As required by the XXXX, I demand that you reverify each of these items below, and that the inaccurate items be deleted from my record. 
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 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the method you use to verify them, the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, 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 explanation
Consumer complaint received 2022-12-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently complained to the CFPB about tactics my financial institution was doing in order to restrict my access to my money. As expected the bank denies discrimination and does not give a reason for their actions. Hiding behind an agreement that legally covers their actions. Well as retaliation for my complaint to the CFPB, Chase Bank is holding money from a payment I took on Friday. This payment was taken via credit card and this morning I was informed Chase has received the funds from the other financial institution but is not giving me access to it because it needs to be reviewed. They state they dont have to tell me what is being reviewed or why the review is necessary only saying they can hold my money for up to XXXX business days without explanation. XXXX sorry but this is retaliation and XXXX  there is no reason that holding my money is necessary. In fact doing so is causing financial harm as I believe overdraft fees have begun to accumulate and employees are left unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: LEXISNEXIS
State: FL

Complaint narrative:
I have a Bankruptcy report on my credit report. I've reached out to XXXX and they informed me that LEXISNEXIS is the XXXX that sends them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: IL

Complaint narrative:
I scheduled a payment for my loan to be made on XX/XX/22. Lending Point changed the payment date ( I have several confirmation emails to illustrate that I scheduled my payment for XX/XX/22 ). They posted the payment on XX/XX/22 a day early, which withdrew from my back account a day early. Which over drew my bank account that resulted in {$120.00} in overdraft fees. 

When I approached Lending Point for an email that outline the error on their end, they asked me to provide private banking information to prove the error even though I presented the screen shots and emails showing that they took my payment a day early. When I asked to escalate my concerns they refused. All I wanted was a note from them admitting the system error so I could have my bank remove the fees. 

A company should not be able to make a payment from my bank account without my consent. they did NOT have consent from me to withdraw a payment on XX/XX/22, which is what they did. I believe this to be a system error that other clients are likely impacted by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX asked XXXX credit reporting to delve into my XXXX credit file without asking my permission first. They said that they work together with XXXX to continually check my account with them which of course is illegal to do without my permission. They used it to illegally drop the amount i can borrow from their Lowes credit card by {$100.00}. I have never missed a payment with my Lowes credit card ever. So now because of what they did is a violation I want Synchrony Bank to pay me for the violation of privacy and violating my civil rights which would equal {$2000.00}.

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 2022-12-19 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: PNC Bank N.A.
State: TX

Complaint narrative:
There is an incorrect late payment on my account. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Please see the attached docs in which I provide the letter sent to PNC and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
A check written on a Citizen Bank checking account for {$200.00} was stolen washed and cashed for {$6300.00}. I reported it to the bank as soon as I got my statement on XX/XX/22. I also reported it to the Police and the Postal Inspectors. The bank sent me a XXXX XXXX which I filled out and returned on XX/XX/22, the same day I received it. Citizens Bank claim number XXXX. They sent me a letter dated XX/XX/22 that they have reached out to the originating bank ( I was told it is a XXXX XXXX ). On XX/XX/22 I contacted Citizen Bank and was told that they had not received a response from XXXX XXXX and that there was no deadline for them to do so. This is a huge amount of money for me as I am a XXXX XXXX citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I received a call for merchant adjustment service around XXXX XXXX XX/XX/XXXX about a medical debt. I didn't consent to this debt collector to my personal. The lady that called me threatened me that if I didn't pay the debt, they were going to pursue legal action and offered me to pay only 20 %. Under 15 USC 1692 ( I ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Merchant adjustment service is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owned. As I stated above, I don't consent to merchant adjustment service to having my personal medical information or permission to have my personal identifying information, which you obtained by aggravated identity theft in accordance with 18 USC 1028 ( a ). Cease and desist all illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Please see the attached documents as it includes my complaint, my identification, and multiple letters from Navy Federal Credit Union attempting to collect an alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
On XX/XX/2022 at XXXX hrs, I recieved mail from XXXX XXXX XXXX stating that I owe {$480.00}. I am not familiar with the debt & immediately called, I spoke with XXXX & he identified my social security number and stated they were a collection agency, for Oliphant Financial Services. I advised him that my Identity was stolen and I had a Fraud Alert on my credit file as well. He advised that a Fraud packet will be sent to my mailing address, to sign it & mail it back. He insisted on me providing additional information, but I would not. He disconnected the call. I am unable to see XXXX and XXXX and both scores decreased tremendously. I did report my Identity being stolen to FTC and my local Sheriffs Office report. I also contacted creditors as well. 
I made contact with XXXX at XXXX with Oliphant Financial Services, but she insisted on me establishing an account with their online portal in order for them to assist me. I denied their services and did not establish a profile, account, nor debt with them and did not want to establish any profile. I repeatedly this information. She insisted I did not understand what they serviced and that she was not getting through to me I quote ; then she kept advertising their services and to just sign on. I refused. She did not verify an account, but she did ask me what was the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one/XXXX  XXXX open account XXXX XX/XX/2022 closed on XX/XX/2022 credit limit XXXX this account was fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-19 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: FL

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-19 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: FL

Complaint narrative:
I am requesting monetary relief from Experian in accordance with 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. ( 1 ) Experian has refused to provide me with a the " Name and Address '' of the company it states reported to them the accuracy of a record reported on my consumer report as " XXXX XXXX XXXX FL XXXX ''. ( XXXX ) I have attached a letter from the " XXXX XXXX CT FL XXXX '' or " US Bankruptcy '' court certifying that no information has been reported to Experian. I have attached a letter from Experian 's data furnisher " XXXX '' which shows " NO BANKRUPTCY RECORD ON FILE ''. ( XXXX ) I have attached my dispute letter sent to Experian requesting this information in accordance with the FCRA. Experian has refused to provide them information and continues to report this " Unverified/Inaccurate '' InformatioXXXX on my report. I am requesting a sum of {$2000.00} for both investigations and the removal of this record from my consumer 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 2022-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank on where I have my accounts XXXX Bank of America ) in one of my checking account a withdrawal was bieng made for the amount of {$24.00} dollars every month since XX/XX/2016 without my authorization to do so, I became aware on such transactions three weeks ago because this bank sent me email of this malicious transactions, I report this directly to the bank fraud dept after that they came with an answer few days later that its realy was scam but they only want to be resposible for one year only, so what about the rest.

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 2022-12-19 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: AZ

Complaint narrative:
In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.

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 2022-12-19 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: AZ

Complaint narrative:
In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IN

Complaint narrative:
I have called and written the National Recovery Agency ( NRA ), located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX in an attempt to resolve this matter. This is not my debt. I ordered product from a company ( King Size ) in XXXX of XXXX, and it was never received. I disputed the charges with my credit card company ( XXXX XXXX ) and after a 30 day investigation and no response from the company, it was determined that the charges were fraudulent and illegitimate. I verbally explained this on multiple occasions to representatives from the National Recovery Agency as well as sent a letter in XXXX of XXXX ; explaining the situation in detail, this is a fraudulent debt that the NRA is harrrassing me daily to pay. This was resolved through my credit card company. I am not responsible for this debt. I never received the merchandise. This is harrassment.

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