vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX I received an email from XXXX that my order was shipped. I contacted them immediately that I had not ordered anything. XXXX has documentation of my call. I also call Bank of America right after that and informed them that my card was used fraudulently. I was issued a new credit card. Someone attempted to order XXXX XXXX XXXX and XXXX cancelled one order & refused to change the shipping address on one order. 3 orders were accepted ; 2 orders were shipped to an address in XXXX & one to my home address. I was told by a fraud supervisor with Bank of America that the address in XXXX belongs to a company. I returned the item shipped to my address to XXXX, using a XXXX label that they provided.. 
XXXX has been unable to credit my card for the returned item because of the dispute so the charge for the XXXX I returned still appears on my credit card along with the charges for the 2 XXXX that were shipped to XXXX. On the XXXX site it says the item was returned. Despite numerous calls to both XXXX and Bank of America , Bank of America has denied the fraud dispute and I am not only being charged for XXXX XXXX that I didn't order but accruing interest charges. I have appealed the decision to bank of america numerous times & most recently was rejected because : '' while you personally didn't make the charges we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' I am a single person, live alone, do not have anyone else on my account, nor have I authorized anyone to use my card. I am a victim of fraud & of Bank of America 's refusal to accept that these are indeed fraudulent charges. It is now affecting my credit score. I have been with Bank of America since the XXXX XXXX & never even had a late charge.I am getting charged interest now even though a bank of america fraud supervisor named XXXX in XXXX told me not to pay the charges for the XXXX. I am including the orders listed on XXXX with addresses, documenting the one item returned, and some of bank of america 's responses. My credit rating has gone down as a consequence.

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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
Avail Blue deposited {$400.00} into my XXXX bank account on XX/XX/22 and they said that I applied for a loan with them. I told them that I never applied for a loan with them. They have all my personal info including my SSN, my address, my employer, my driver license number and my banking info which enabled them to deposit the funds. After a lot of back and forth that I never applied for a loan, I asked for the XXXX address they have on record from where the online loan application was made. I XXXX it and it's somewhere in XXXX XXXX. Avail Blue instructed me to have my bank reverse the funds and I did. The funds was taken out from my acct on XX/XX/22. XXXX actually told me that Avail Blue could have done it themselves since it's evident they have my bank info. I reported the matter to the FTC. Many calls still from Avail Blue as they claim the funds have not been returned. We did a XXXX call with XXXX and XXXX said it may take 45 days. Meanwhile, Avail Blue has been emailing and calling about payment due. I called Avail Blue on XX/XX/22 to tell tell them to stop emailing or calling me and that it wasn't my loan and it has already been reversed by my bank. They said that they will not stop collection efforts until they get the funds. The person I spoke with is XXXX who said she was from XXXX. The other Avail Blue staff I have spoken with in the past was XXXX who we did the XXXX call with XXXX XXXX and who was provided a case number by XXXX. I called FTC also on XX/XX/22 to seek advice and person I spoke with suggested that I file with Consumer Finance Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I never gave authorization nor applied for a home loan with this company Veterans United Home, a man that I have been separated from and divorcing applied using my information. 

This is a mortgage company, I called to find our who they were and why are they showing on my credit report. I asked them to remove and they refused.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Starting In XXXX - Contacted XXXX XXXX concerning deceased mothers Traditional IRA . Informed them I was the executor of the estate and a beneficiary. They said a life services advisor would reach out to me. Never did. 
-Second call-XXXX  Informed me that I needed to contact other two beneficiaries concerning account. Pulled them onto 3 way. Gave all information. Then was told the account was frozen. Given my life services email. 
-Emailed XXXX XXXX XXXX waited another week then told the account was no longer frozen. 
- Called and emailed XXXXno response again- Waited another 3 hours ( over 18 hours at this point ) spoke to another customer service representative. This representative states he didnt have any information from the beneficiaries despite the call with XXXX XXXX Call lost - Next day- another 3 hour wait- spoke to someone again, we all gave him information. Stocks liquidated. 
- Email sent to XXXX again- distribution forms sent. 
-Early XXXX- forms filled out and faxed to XXXX and to company by all 3 beneficiaries. 
- XXXX XXXX called again- well over 80 hours of wait time : XXXX Forms  said to have been filled out wrong, one missing state tax despite copy that was sent with proof had state tax information. One last stock had to be liquidated. 
-XXXX  XXXX call made again- told all forms were there and correct that checks will be dispersed XX/XX/XXXX. 
- XXXX XXXX Call placed again. Told distribution center denied checks. Could not give a reason why and stated a supervisor would reach out the next day. No calls/emails/ or return emails have been made. 
- Spoke to XXXX stated he could not discuss account nor would he give me supervisor number

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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I tried to open a new account w/ Chase. They thought the account was fraudulent, but never contacted me. When I attempted to log into my account XX/XX/2022 I received a message telling me to call the fraud department and I no longer had access to any of my business bank accounts. I called the fraud department and was told I needed to go to the branch and verify myself with my ID. On XX/XX/2022 I went into the bank and verified myself with my ID. After about an hour and a half in the branch Chase unrestricted my account. On Friday, XX/XX/2022 when my accounts were restricted items were returned to merchants and others stating my account was frozen. Because of this the deposits from XXXX were returned to them and they refuse to redeposit any funds into the account until they receive a letter from Chase with very specific information including the fact that my account is unrestricted and is reopened for deposits. I went into the Chase branch on Friday, XX/XX/2022 to request the letter and they told me they could not write it, they said they asked several people and no one could write it. They told me they would escalate it to some manager, but they did not know when I would hear back. In the meantime, XXXX is refusing to release any of my business funds until Chase verifies that the account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: CA

Complaint narrative:
EXPERIAN REFUSES TO MOVE THIS FRAUDLENT INQUIRY ; THIS INQUIRY IS IDENTIY THEFT AND MUST BE REMOVED BLOCK AND REMOVE XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022

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 2022-04-18 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-04-18 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: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX finance XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me

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 2022-04-18 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: VA

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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
EASTERN ACCOUNT SYSTEM HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX  HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXXI HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX  XXXX BANK HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH 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 2022-04-18 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: VA

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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX  HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX BANK HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH 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 2022-04-18 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states : 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 2022-04-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. 
Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. XXXX XXXX XXXXXXXX BANK {$920.00} Closed 38 potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off XXXX. ) XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer 3. ) XXXX XXXX XXXX XXXX Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection 4. ) XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA N.A. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection

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 2022-04-18 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 the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. 
Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. ) XXXX XXXXXXXX BANK {$920.00} Closed 38 potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. ) XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer 3. ) XXXX XXXX XXXX L Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer 5. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I secured an auto loan ( XXXX ) in XX/XX/XXXX from legacy Suntrust Bank. In early XXXX I began compiling information for XXXX taxes. Since the conversion to the Truist website ( I believe XX/XX/XXXX but am not sure ) statements and transaction history prior to XX/XX/XXXX are not available via online banking. I need the statements from XXXX in order to verify interest paid on the loan. I called Truist in XXXX ( week of XXXX ) to request the statements. I was told a request would be submitted to send the statements via US mail. I have not received them. I sent an email on XX/XX/XXXX to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I did indicate in a follow up email that Truist had added the total interest paid in XXXX to the XX/XX/XXXX statement so that issue was no longer time sensitive. A friend who worked on the merger forwarded my email thread outlining a number of issues including this one to two merger leaders at Truist. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I had to file an extension on our business taxes due to this and one other Truist issue. Although Truist provided a total interest amount for XXXX I still want copies of the statements from XXXX given the number of issues we have experienced post merger. I was under the impression that banks are required to retain customer records for a period of time ( XXXX years ) and I can not even access information for XXXX and XXXX this year. I have filed another complaint with # XXXX for reference. Thank you

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 2022-04-18 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: VA

Complaint narrative:
TransUnion is showing inaccurate information on my report. I filed several disputes and they have not followed in a reasonable amount of 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 2022-04-18 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: NC

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 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 2022-04-18 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:
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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