vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized credit card XXXX XXXXXXXX bank inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed accounts XXXX XXXXXXXX XXXX, ( listed twice ) XXXX XXXX XXXX XXXX bank ( listed twice ) XXXX XXXX ( listed twice ) XXXX XXXX unauthorized account closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im begging you please remove this to the credit 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy Federal is in violation of 15 U.S. code 6801-Protection of nonpublic personal information ; financial institutions have a duty to insure the security and the confidentiality of customer records, protect against the threat of security, and to protect against use of such information that could result in harm or any inconvenience for the consumer. Every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the privacy and confidentiality of those customers nonpublic personal information. According to 15 U.S. Code 6802-obligations with respect to disclosures of personal information a financial institution may not directly or though any affiliate disclose to a nonaffiliated any nonpublic personal information, unless such institution provides consumer with a notice that complies with 15 U.S. Code 6803. In general a financial institution may not disclose nonpublic personal information to a third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not disclosed and the consumer is given an explanation of how the consumer can exercise the non disclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notices that accurate reflects privacy polices and practices to consumer before you disclose any nonpublic personal information to any non affiliated third party. Pursuant to 16 CFR 313.7- financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. 18 U.S. Code 1348 makes it an federal offense to execute or attempt to execute a scheme to defraud any person in connection with a security or to obtain or by false or fraudulent pretenses and money or property in connection with that security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This regarding claim number XXXX ' on a feature/benefit ( 'Extended Warranty ), which I have on my card where my claim has been rejected twice with rationale that the company ( Amex ) can't provide any support nor being rationale. 

First was rejected due to original manufacturer warranty only 30 days. When asked amex for documentation, the company rejected second claim your warranty is not valid in the United States XXXX, District of Columbia, or its territories or possessions. Please note the company ( XXXX XXXX ) and retail distributor is based from New york. Amex has failed it's fiduciary duty and sending false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
My credit card issuer Elan Financial has a habit of sitting on ACH payments for a couple of days without placing a hold on the funds. This invariably generates fees because after a few days those unprotected funds can get demolished by automatic withdrawals. The XXXX customer service representative I spoke with on the phone told me that they really only do this once someone has a late fee or returned check fee in their history. I can not think of a better way to generate returned check fees then processing payments in this bizarre way. The lady on the phone couldn't either, but she still insisted that it wasn't a hustle. I've managed to get these fees returned in whole or in part in the past but I was informed today that I'm out of luck, will need to wait for a callback from a supervisor to dispute this charge.

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 2023-12-21 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: CARD Corporation
State: TX

Complaint narrative:
XX/XX/XXXX or XXXX used debit card for verification online. Was supposed to hold a dollar then release it. 
Began getting debits from different accounts the that I had no transactions with. 
XXXX sites charged for subscriptions. 
Called my financial institution and was advised to get in touch with the companies. Called the following day and advised them two companies had returned my funds. But I needed to go ahead and cancel card and finalize my dispute. I was told to get as much information as I could and how long it may take to get decision. Also if after ten days they are still investigating I would get a provisional credit. 
In the meantime I kelp trying to reach out to the two companies. I did get a refund from one that makes three. The last company I got there number from my statement. Okay back up on XX/XX/XXXX I got an email stating that the dispute was closed and that they found the transactions were credible. I called to ask how they found credible because I could not contact the site. The customer service team was incredibly rude to the point they were laughing at my frustration. Thats when I called the number on my transaction and found out it was their name and phone number but not their account. They even emailed me which I sent with the dispute paperwork on the XXXX of XXXX. I called yesterday since it had been ten days and I was told I needed new informations for them to review the status of the dispute and they werent changing their decision even though the company XXXX emailed stating it was not them. Also I told them three of the four refunded me. I also still have the email from the merchant stating that the information my financial institution have is not correct so how did they verify it is credible? The financial institution is XXXX XXXX XXXX  or The Card as some know. The amount of the transaction was XXXX. There are screenshots enclosed. I was trying to get resolved before XXXX as I needed the funds for gas company and we have been without heat for awhile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX have listed the inquiries below. 


inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX have listed the inquiries below. 


inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I missed only 1payment and called PHH mortgage. PHH mortgage told me that they would help me with a loan modification. Still I sent a payment on XX/XX/XXXX, even though I wasn't making enough because of a commission job. So I receive documents through my email about the loan modification to fill out. I fill them out and sent these 11 documents to their email address. I called PHH they stated that they have received the 11 documents on XX/XX/XXXX said that they are reviewing to call back in 5 business days. So we called back on XX/XX/XXXX PHH stated that the 2 check stubs was not legible. Stated that the forbearance plan has ended so can we pay XXXX dollars. I was shocked that they lead me to believe that they would help me being a Veteran that have served my country. So I find out that due to what PHH mortgage did, brought my credit score down that I couldn't even borrow the money. I resented the documents. They stated that on XX/XX/XXXX they didn't have the documents and ask do I want to talk to another relation Manager in more days. So on XXXX the agent spoke with us and said that the check stubs are not clear. So I stated that Iam just starting sending the payments. The agent stated that if I send the payments that they would send them back. Made another appointment on XX/XX/XXXX at XXXX.and said my check stubs that I went to the post office to send was still not clear. So now our home they said is going into foreclosure on XX/XX/XXXX. VA XXXX XXXX loan specialists sent them a cancelation for 60 days. And they still wouldn't give us this grace that they cause. So they didn't even honor the VA. The relationship Manager XXXX ) said this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion lowered my fico score XXXX points when nothing of any significance has changed.

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 2023-12-21 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/XXXX two charges were made to my Verizon Synchrony credit card for two ( 2 ) blenders from XXXX ( {$960.00} and {$960.00} ). At this same time, my email account was signed up for many ( 50+ ) foreign/non English websites. I immediately ( next day via telephone ) cancelled both items from XXXX and requested XXXX to credit my account and have unsubscribed to many of these websites. 
Verizon Synchrony credited my account for one of the charges, but refuses to clear the other charge ( {$960.00} ), indicating that " both blenders were delivered to my home ''. They have never produced shipping information.

Dealing with Synchrony Bank has been a nightmare of automated messages & company representatives that say they will clear my account, but have not - one charge ( {$960.00} ) is still being charged to my account.

My last invoice from Verizon Synchrony Bank shows a " balance transfer '' of {$960.00}. I think they initially deleted this charge, and added it back on to my XX/XX/XXXX bill.

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 2023-12-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: MO

Complaint narrative:
I work for XXXX from time to time and use their XXXX XXXX ( XXXX ) to receive my payments. I've been noticing that funds where not adding up correctly. My wife informed me to check my transaction and I found out that I had several charges being deducted from my account from " The XXXX XXXX ''. I've never heard of them in my life. I called customer service on XXXX to inform them that my account has been hacked and to dispute all of the charges. They had me change my password, deactivated my card and charged me for a new replacement card. They informed me to fill out a dispute form and they will investigate with XXXX business days. 

I continue to XXXX and keeping the funds in my account. I have yet to receive my replacement card and I noticed that my funds was taken again on XXXX. I called customer service again asking them " How can they continue to take money from me when I do not have a card? I believe this is someone that works within the company that is hacking my account. '' They continue to ask me to change my password and transfer my remaining funds to another card and they will investigate. 

I just received an response today ( XXXX ) informing me that it is my fault that my account was hacked and I would not be refunded for the funds taken from me since I did not reach out to them in XXXX, XXXX  when it first happened. I informed them that I just now looked at my transactions and noticed that they have been taking small amounts from me until now. How is that possible for me to be held accountable for my account being hacked. I have attached all communication and charges taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
They call 5times a day 6days a week, also emails 7days a week.

Im pretty sure this is not legal. Also have the phone records for the 5-6 calls a day 6days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: VA

Complaint narrative:
In XXXX, XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX and Level 1 Law about the debt consolidation program that they offered. It sounded great at the time and my 3 creditors would be paid off in 4 years. I have paid them {$630.00} for 13 months. A total of {$8200.00}. I began seeing all the bad reviews for Level 1 Law and they have been revoked from XXXX After further research, XXXX XXXX is not a member of the XXXX. I began to look at my account with Level 1 Law and no amount of money has been given to the 3 creditors since XX/XX/XXXX. I've made copies of the charges each month and what has been deducted is for fees. Earlier this month I had {$800.00} removed from my checking account besides the {$630.00} that has been taken. After further research, one of the creditors had never received the so-called POA letter from Level 1 Law. Then, I spoke with Level 1 Law, and the POA letters were to have been mailed back in XX/XX/XXXX. XX/XX/XXXX - I requested copies of the POA letters and was told they were not posted in my account. XX/XX/XXXX - I sent an email message to XXXX XXXX canceling my contract. The email return message from XXXX XXXX stated someone would contact me soon. I haven't heard a word. ( XXXX makes me wonder about offshore accounts ). So now, I've been scammed out of {$9000.00}. Disgusting and horrible business dealings. I'm adding the names and phone numbers for each one : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Level 1 Law  - XXXX, FL XXXX Any recommendations as how to move forward will be greatly appreciated! Thank you so much for letting me post this complaint! Respectfully!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
To better access my XXXX report, I attempted to sign up for an account via the online process in XXXX of 2023. Each attempt results in an error saying that " a security quiz '' can not be generated on my behalf. After contacting XXXX, they provided no resolution moving forward. My goal is to simply create my account.

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