vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've disputed a medical collection that does not belong to me on my credit profile with XXXX XXXX the collection agency, XXXX, Transunion and XXXX in the amount of {$1200.00} starting XX/XX/22. They claimed it was opened on XX/XX/22 but was not reported on my credit report until XX/XX/22. I have sent a dispute letter to XXXX, Transunion, XXXX and XXXX. I have not received anything from XXXX as to whether this collection actually belongs to me and they have added this to my credit reports with a commercial address. In fact, XXXX removed it from my credit report, Transunion removed it from my credit report and added it again 1 week later without any notice of the investigation process. 

XXXX has verified it as accurate today, XX/XX/22. There is no way that XXXX actually investigated this because had they did their investigation they would see that I don't live in a commercial building and I supplied proof of my residence with my drivers license. How can XXXX say that it meets requirement of the Fair Credit Reporting Act when they clearly haven't done an investigation. Who did they verify this information with? I would like proof of where they confirmed this information showing the medical procedures and proof of my signature. I do not want it added back to my credit reports now that I have pointed out the mistake. I hear that XXXX is being sued for allowing commercial addresses to be reported to consumers profile and it looks like I may be a victim of this. I would like this deleted from my Transunion and XXXX credit profiles.

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 2022-12-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
We ordered AMEX cards like we always do for employees and incentives straight from the website. Somehow the entire balance gets used before the user even uses it. When we call AMEX they don't care but gave a report of uses. All bXXXX XXXX  and other charges exactly totaling the card amount in California we didn't do. So, someone inside XXXX or AMEX is hacking this info before card are sent out. Here are other people having issues recently and can't believe this is not a bigger issue for others. 

Please see links to examples of other folks having the issue. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello this is XXXX and im requesting to have my account closed and my funds mailed to me, i tried doing a XXXX  payment to a friend and the first one went through no issues and the second one completely locked my account and the bank wont unlock it so im just gon na close my account and go elsewhere. 

Awful customer support

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 2022-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is not mine. I never prove her concert for this account to be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Donut, Inc.
State: MD

Complaint narrative:
On or about XX/XX/2022, XXXX paused all user account activity in its deposit and investment platform, which practically resulted in DONUT inappropriately freezing all user funds. Since this time, user have been denied access to their funds with limited information from the company about if, or when, users will have the ability to access all of their funds. Such actions and practices are contrary to DONUTs marketing and promotional materials and Terms of Use, and may be in violation of state and federal laws including consumer protection laws, securities laws, and the Consumer Financial Protection Act and Regulation E, which implements the Electronic Fund Transfer Act. 

DONUT has advertised its products and services online and through its app including through emails and messages within the app.

I have sent several emails to DONUT, but have not received any responses to my specific questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
This company UCB XXXX ( XXXX ) XXXX called my mother and father regarding my debt with XXXX XXXX XXXX XXXX. They told my father that I owed money and told him the exact amount, which he texted to me. That is entirely unethical and illegal and I want them to stop.

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

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. Account Names : 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 U.S.C 1681 Section 602 A . States : I have a right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 items 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.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Names : Account # 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 XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . States : I have a right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 items 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AZ

Complaint narrative:
I have an ongoing problem with my Square Checking account which is still not resolved after over two hours of phone calls. 

I am being charged {$29.00} by Square for a Square Appointments subscription. It posted to my checking account on XX/XX/22. 

The Square Appointments team and Square Banking team keep sending me back and forth to each other ( 8 representatives spoken to today ). 

The Square Appointments team claim I did not pay for the subscription.

The Square Banking teams says they see the money and confirm it's paid, but NO ONE will take ownership of this and help me rectify the delinquency on the Square Appointments subscription.

This is unacceptable. 

Not only that, but the person this morning on the Square Appointments team unsubscribed then resubscribed me and then, even though I asked her if I would be charged and she said no, I was charged but I didn't have the money because I already paid and. I was not supposed to be charged so I had transferred money and paid myself this morning after the phone call. 

6 out of the 8 representative were inept and refused to truly listen. Two even asked for screen shots of my Square Checking transactions which I sent, then they still told me they weren't for Square Appointments. 

This is UNACCEPTABLE and I now suspect some kind of hacking or potential internal fraud. Or at least a serious issue with tracking their bank transactions, which is also unacceptable. 

Please help me with this issue as they refuse to allow me to speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DMB Financial, LLC
State: NY

Complaint narrative:
In XXXX of XXXX, I was in contact with DMB financial for debt settlement. I had 2 credit cards that I needed help with. XXXX and XXXX XXXX. I was told that both accounts would reach an agreement in 3-6 months and be settled and paid within 1 year. It is now XXXX of XXXX. Only one account has reach a settlement ( 7 months later ) and I have been paying {$700.00} per month into their escrow account. They then took {$4800.00} of my saved money to pay themselves. This one account will not be fully paid now until XX/XX/XXXX. My other account is not going to be addressed at all. The company is not responding to my inquiries about when they will handle my other account. And they lied about the time frame and cost of EVERYTHING. But they also say Im bound to a contract to keep paying them and not work directly with my credit card company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. TRANSUNION failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore TRANSUNION is REQUIRED to immediately remove each and every last one of them from my 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 2022-12-12 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: NJ

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer report

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

Complaint narrative:
I have had an XXXX store card through Synchrony bank for roughly 7 years. 

Starting recently, the number that they send verification codes to when I log in is _not_ a number associated with my account so I am unable to log into my account and verify recent purchases. 

Most recently, I called about the issue today, XX/XX/XXXX at XXXX PM Central time but i have called in the past about this as well. 

The customer service representatives : * Verify that the correct phone number is associated with my account * Tell me that they use phone numbers from credit bureaus, so I have to correct it with the credit bureaus * They can not tell me _which_ credit bureau is reporting the misinformation I have checked the major 3 bureaus ( XXXX, XXXX, and XXXX ) and none of them have incorrect data. At one point a customer service rep gave me a different bureau to check, but i can't remember that name either and it only had the correct information anyway. 

I am unable to resolve this issue. They will disable two-factor authentication on my account, but that only gets me in once and then it eventually gets turned back on

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 2022-12-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased XXXX XXXX tickets, three of them, in the summer of XXXX for a show in the summer of XXXX. The concert was canceled because of COVID and rescheduled for a later date, at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the rescheduled event was also canceled because of severe weather and lightning storms. XXXX did not reschedule a third time and said payments would be refunded. During this period I was in the process of switching banks because XXXX was going out of business. My credit card was a XXXX Comenity Card which I closed in XXXX of XXXX. They are saying they sent me a check for {$470.00} in late XXXX. They did not have any reference/proof that they did. I asked them to send a copy of the canceled check and we would pay them back, knowing I never received the check, that I had moved, and that I had closed the XXXX Comenity Card. A year later in the summer of XXXX, after many phone conversations with Comenity, they did indeed send us a check to refund the 3 tickets and I cashed it and thought the whole issue was resolved. One month later I received a new bill stating that I owed the {$470.00} again. I spoke with customer service and they said they would look into it. I received a letter on XX/XX/XXXX saying that we still owe the money with no proof that a check was originally sent to me and cashed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: ID

Complaint narrative:
We have been trying to get BSI to pay our delinquent taxes since XX/XX/XXXX. They were given over XXXX at the time of closing in XX/XX/XXXX but failed to pay property taxes. We have repeatedly tried to get them to pay our taxes and they will not respond with a full accounting. To date they have collected well over XXXX in escrow but now we are getting late payment notices on our insurance too. They refuse to return our funds so we can bring them current yet they are raising our escrow. We dont owe the amount they are making us pay each month and yet they dont pay us interest and they wont pay our bills or return our calls. This is ruining our perfect credit scores too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I recieved my Care Credit statement XX/XX/22 I mailed it XX/XX/22 it was due XX/XX/22 I get letter on XX/XX/22 stating quote ( We recently received a blank, voided or incomplete check at our remittance center which can not be processed. For your security the check has been destroyed ) Synchrony Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I immediately upon receiving letter made payment by automatic phone I have tried numerous times to call and get thru waiting for over hour on hold. This is absolutely wrong

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 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 
--

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Business checking account with Capital One was closed in person at the branch 3 times and automatically reopened by Capital One due to vendor refunds. 
* Account closed in person XX/XX/2022. XXXX remaining amount of {$140.00}. 
*Account reopened by Capital One XX/XX/2022 due to XXXX refund to account in the amount of {$69.00}. No notification sent regarding reopening of account. A maintenance charge of {$15.00} incurred XX/XX/2022. 
* Account closed again in person on XX/XX/2022. Withdrew {$54.00} from account after {$15.00} maintenance fee deducted. 
*Letter received dated XXXX XXXX, 2022 from Capital One stating account has been closed. 
XXXX XXXX Capital One reopened account again for a XXXX cent vendor refund. Again no notification sent after 3 1/2 months of account being closed that the account was reopened. 
*XXXX XXXX XXXX closed Capital One account again in person. Received XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I called Penn Credit and sent a letter in XXXX to let them know that this is not my bill. 
If I went to a hospital, surely, they would have my current address. They gave me an address where I lived 30 years ago. The letter I sent was : Penn Credit Corp. 
XXXX XXXX XXXX XXXX, XXXX, XXXX To whom it concerns, XX/XX/2022 The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. This is a Debt I DO NOT Owe. Since a collection agency can not sell a collection to another credit agency w/o notifying the debtor. I feel like they are acting illegally by violating the FDCPA. I have never been contacted by any collection agency about who or what I owe if anything. I do believe that this is a scam and will be reported to the CFPB and possibly sued. 
XXXX XXXX PENN CREDIT - XXXX Last updated XX/XX/2022 Current Balance {$770.00} Account Details DEROGATORY Account Type - Last Account Activity XX/XX/2022 Open Since XX/XX/2022 Ownership Individual Current Balance $ 770 Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Remarks Dispute resolved ; customer disagrees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation