vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I went to a XXXX XXXX XXXX ATM today XX/XX/23 and made a withdrawal however after the transaction processed the ATM gave me an error message stating something is wrong with this machine. I contacted Navy federal and was advised that I had to wait for the system to update and it can take up to 2-3 days per supervisor XXXX to receive my funds. This is not acceptable. They advised where they see that XXXX XXXX XXXX is making a correction but will not not credit my account back the funds. I contacted Navy Federal again and spoke to XXXX who was basically told me there is nothing she can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2023-03-08 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: TN

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

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 2023-03-08 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: TN

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account is current and i have never made a late 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 2023-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2023 I went to the Wells Fargo branch location at XXXX XXXX XXXX XXXX. XXXX, NC to deposit my payroll check. I utilized the drive through teller window to deposit my payroll check in the amount of {$870.00} On my deposit slip, I instructed the teller to deposit the full amount of the check into my Savings Account # XXXX, with {$200.00} of the check amount issued to me in cash as a withdrawal. The teller provided me with 10 bills worth {$20.00} each. Later, I received a notification that my check had been returned as unpaid due to a tear at the bottom of the check where the account and routing numbers are located. Due to this returned check, my account was debited {$870.00}. However, my account should have only been debited that entire amount if I had actually withdrawn the entire amount of the check in cash. I did not. My balance should have been brought down to {$340.00} since my account was at {$530.00} at the time of the deposit and I only withdrew {$200.00} of the returned check amount in cash. Instead, I have been told that my account has a negative balance because Wells Fargo claims that they issued me the entire check amount of {$870.00} as a cash withdrawal. 

Wells Fargo has performed an initial investigation of this matter under claim number XXXX and determined that they do not owe me any money because I received a new check from my employer for the returned check amount. However, Wells Fargo has incorrectly claimed that I withdrew the full check amount in cash on that day and now claims that I owe them that amount. That is false. I only withdrew {$200.00} of the {$870.00} check and attempted to deposit the remainder. Wells Fargo has claimed that there is no video footage of this matter and that I withdrew the entire amount of the check in cash. I respectfully do not believe that to be the case. I request that this matter be reviewed. You will find that the teller never handed me {$870.00}. She only provided me with {$200.00}. I am simply asking for my account to be properly debited for the actual withdrawal that I made of {$200.00} which would bring my account balance to {$340.00}, which accurately represents the {$200.00} debit from the original amount of {$540.00}. The deposit slip presented to the teller that day confirmed that the full check was deposited to the bank, except for {$200.00} that was provided to me as a cash withdrawal. Thank you for looking into this matter.

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 2023-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had a debt that was purchased by portfolio recovery. I made payment arrangements and paid in full and portfolio recovery sent me a paid in full notice showing balance XXXX but it is still showing the full amount on my credit report. I have disputed it with all credit bureaus but they are not removing it. Or showing the XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America took {$250.00} from my credit card account for something called Credit Balance Refund Debit. 

The {$250.00} was at that specific time was a part of a credit card payment and more bills were coming in so that {$250.00} was basically XXXX  out my credit card balance. 

In the past 6 months and 5 days ( as of this writing ), I have reached out 6x to Bank of America in order to get this resolved but to no avail. 

I have spoken to various customer service representatives to either get the money back by check, into a checking account, or back onto the credit card ( as we use the card daily ). 

I drew a line with customer service on XX/XX/XXXX, when I wanted to speak to a manager whose name is XXXX and after he did not do anything, I spoke to another manager named XXXX, XXXX. 

They allegedly sent me a check for the amount of {$250.00} which I never received. 

Since I never cashed a check that I did not receive in the first place, they allegedly send the money to the state of Florida and callously told me to go to XXXX XXXX XXXX to search for my money. 

Despite my calling them 6x times in the past 6 months to claim my money, they still allegedly sent the money to the state of Florida. 

I contacted https : //www.fltreasurehunt.gov/ ( where the money allegedly went ) and called the number they gave me XXXX XXXX XXXX and they have NO record of any money in my name to be claimed. 

Called back Bank of America to get something called UPID and some sort of proof that the money was sent, and they could not provide me with any proof or confirmation whatsoever that the money was sent to the state of Florida. 

Bank of America just stole my money.

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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WI

Complaint narrative:
XXXX originally charged me {$74.00} for a service last year. I originally disputed this bill on XXXX. ( screenshots of my chat with XXXX  attached ). I cancelled my service with them on XX/XX/XXXX and returned the retened equipment, as of that point I could no longer use the service they provided. However, they decided that I had to pay full price for the service that I could no longer recieve. When I disputed the charge they told me it was a subscription and I didn't have a choice. 

Since then XXXX sent the bill to a debt collector, I.C. System Inc. I have spoken to them multiple times and informed them of the situation. I offered to pay the amount up until the cancelation date if they would consider the debt collected in full. The collector agreed over the phone and accepted payment of {$42.00}. 

Dispite this, I am still getting letters from the debt collector asking me to pay the remaining balance.

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 2023-03-08 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
FORTIVA is reporting inaccurate showing missed payments on XXXX of 2022. That's inaccurate this account has never been late.

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 2023-03-08 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: IL

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 I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you.

Only my credit card was agreed to and my bill payment with experian boost

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 2023-03-08 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
This company continues to call and send letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: WI

Complaint narrative:
I supposedly according to a credit report in arrears to a payment of {$350.00} to XXXX. I have NEVER purchased anything from XXXX. I use them for a mobile device provider and I am on pre-paid plan. I purchased a used phone from a friend XXXX XXXX  and had my phone no. imported from XXXX XXXX for new service. I pay a total of {$26.00} every month for service. I have no clue where they believe I owe them any money. Do you really think that I have a usual credit score of XXXX plus would neglect a bill I really truly owe?, that's unheard of. I was never contacted by any collection agency. So where this imaginary {$350.00} is coming from is frustrating.

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 2023-03-08 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: NY

Complaint narrative:
My complaint is against Experian. For NO discernable reason, they dropped my credit score by XXXX points and REFUSE to explain why. I just get generic rhetorical answers. I have worked IN credit most of my life and I KNOW the factors that affect a credit score. I have NOTHING that should have dropped my score. I reduced my credit card usage to zero percent as of my last statements, have not moved, I have not incurred new debt, I have no new inquiries, nor have any other new factors that should have caused this. 

Experian keeps answering me that they are not licensed credit advisors, so they are not qualified to answer as to why my score dropped! That is ridiculous! THEY dropped my score, so they had BETTER know why.

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 2023-03-08 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: NC

Complaint narrative:
I have recently applied for credit and was denied based on the information provided by XXXX and TransUnion to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Dispute Request XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX http : //www.transunion.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

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 non-monetary relief
Consumer complaint received 2023-03-08 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX has violated my rights 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions This account is reporting that it is charged off at the same time it is reporting an increase in balance monthly this is illegal and violating my rights.

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 2023-03-08 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: Credit Karma, LLC
State: KY

Complaint narrative:
I applied for a credit card through the Credit Karma website guaranteed to be approved or Credit Karma would provide a {$50.00}. 

I was not approved. After several months I finally got an email from XXXX on XX/XX/2023 stating that I would receive instructions for redeeming the card. A month later no instructions and no card. I have contacted XXXX 5 times this week alone at their support email and the email address for the XX/XX/XXXX email. I received answers to my first 2 emails with a canned response about how the guarantree works and that I would have to be approved. On all emails I sent to the company I advised them that I had been approved as per the XX/XX/XXXX email. This fact was ignored on all emails. They stopped responding altogether after the second email and are just now ignoring me. It should be mentioned that XXXX has had legal problems about this type of scams and has been found guilty with a XXXX XXXX penalty. I filed a fraud complaint with the FTC, case number XXXX. The XXXX case number is XXXX. It appears this is another XXXX scam that has now been lingering for several months. As I advised on my emails, there is nothing on my spam folder either - I knew this would be their next excuse.

Company response to consumer: Closed with explanation