vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1.Experian, XXXX, XXXX and XXXXXXXX XXXX  violated HIPPA Laws and Rules. 
XXXX. Experian, XXXX, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, Experian, XXXX, XXXX illegally accessed my frozen credit file for profit.

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 2022-08-05 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: AL

Complaint narrative:
XX/XX/202XXXX XXXX XXXX XXXX- {$470.00} n 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
I received a call on XX/XX/XXXX from this collection agency called First National Collection Bureau. The representative stated that my credit card went into collections and they were looking for payment. I asked what type of card it was and when it was opened. The credit card is a XXXX credit card and it was opened in XXXX. Now, I have never had a XXXX  credit card and I had to deal with Identity theft back in XX/XX/XXXX. I requested some statements and I received them. It has my maiden name on it which i have been married for almost 4 years and my current address that I provided. The address listed on the statement connected to the card is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Now, I have never lived outside of Massachusetts my entire life and I am 44 years of age. There is a transaction for XXXX apartments which I have never lived in. What are the next steps on reporting this as fraud and removing this from my credit? Please I need some help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TX

Complaint narrative:
The consumer reporting agency violated my consumer rights that were set by congress to protect me. 

Laws violated : 15 USC 1681a ( 3 ) : They assumed the role in assembling and evaluating my consumer credit, without my consent. 

15 USC 1681a ( 4 ) : They failed to exercise their grave responsibility, they were unfair, impartial, and did not respect my privacy.

15 USC 1681b ( 2 ) : I never instructed them to furnish this report or to create this report. I never gave consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quad Corporation, Inc.
State: IA

Complaint narrative:
I had medical bills for my husband get sent to quad corp. I started making monthly payments in XXXX XXXX XXXX  I missed one payment in XXXX because my husband had XXXX and I was putting in extra hours to keep our restaurant open. I continued to make monthly payments again in XXXX and even increased my payments and have continued to make monthly payments. Imagine my surprise when the Sheriff showed up at my house this morning to serve me judgement papers for this bill. When I called in to speak with them they told me because I didn't have a " payment arrangement '' ... even though I was making monthly payments ... that they want the payment in full or I will have a judgement on my record. 

I was told my payments weren't enough. Then I explained how we have two XXXX XXXX XXXX in our household. Our supplies cost us {$700.00} per month... so we can live. I was making payments I could afford while also making payments on all our other medical bills. I have record of every single medical bill I pay because we pay so much that we can use the bills to lower our taxable income. 

This is the absolute worst company I have EVER had to deal with while making payments on a bill!! WORST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This company has violated my right to privacy by not notifying me before information is published on my credit report 15 U.S. Code 6801 - Protection of nonpublic personal information ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

This unauthorized information has caused me many inconveniences 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given the opportunity to before time this information was just published 15 U.S. Code 1681- Congressional findings and statement of purpose 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This agency assumed this role with out my consent and are not respecting my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX Account paid in full On XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX  with a XXXX XXXXXXXX along this purchase I agreed to get an Extended Warranty plan to cover expenses and repairs. 
Unfortunately, I decided to sell this truck to another car dealer, I proceeded to cancel this service and get a refund on the extended service, Extended warranty dealer refund the amount charged for the service back to Ally Bank XXXX XXXX XXXX Ally Bank has refused to send me the refund of the extended warranty since that date, They are saying that It will take up to 130 days to get a refund, I told them this check was clear by them and are using my money for too long due to ineptitude, I already wait more than 2 months. 
There is not guarantee that I will get my refund at that time for the extended warranty cancellation To resolve the problem, I would like to get paid faster and with interest earned. 
I look forward to your reply and resolution to my problem and I will wait XX/XX/XXXX before seeking help from XXXX XXXX XXXX. 
Please contact me at the above address or by phone XXXX XXXX or by email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX 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 2022-08-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX  I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX 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 2022-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
BEWARE - Explore Credit charges over {$3500.00} in interest on a {$500.00} loan! Explore Credit charges 759.52 % interest on a {$500.00} loan. Payments are auto-deducted, and total payments are {$4000.00} on a {$500.00} ( XXXX XXXX XXXX ) loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/2022 i came in to made a deposit of a cashiers check to my new bank account with abnk of america teller i had no problem doing the deposit of {$6400.00} that day he said the funds will be in my acc by the next day i used my card fine until one of my purchases were declined i called the bank they said the money had a hold on it i went in the bank and the teller said he couldnt get in my account had been blocked he gave me a number to call and i did they said they had decide to close my account for because i had brought a bad check that i had to contact whomever send me the cashier 's check and ask for them to ask for the funds back i called XXXX whom send me the cashiers check ( which it was money from XXXX ) they said the bank had verified and cashed the check on XX/XX/2022 at XXXX pm that it was already cash and it since it was a cashiers check they couldn't do anything about it that they didn't understand why the bank was doing that. i came in the bank to speak to a supervisor the first girl that helped me couldnt find the invoice of the day i had came in with the check until she went and spoke with someone else she had me go with this person and she called their fraud department they told her the bank had the funds but i couldnt get the funds from them they never gave me a reason they only said they couldnt verify the check and they had decide to close the account for fraud reasons they even said on the phone if we cant verify the check the bank stays with then funds i was in there in person 3 hours and i had called many other times and i even spoke with a supervisor from that department and he said the same thing to me on the phone. now it been 5 months and this bank still has my funds and has not resolve anything XXXX which is the thir party that sent the cashiers check said they cant ask for the money back because it was a cashiers check adn it was money sent to me from the XXXX  that the bank should reale the hold on the money and return funds to me that they have no reason to say it was a bad check if it shows them the did verified it and cashed by them i have not received anything on this day the worsts banking experience with bank of America.

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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FIRST GUARANTY MORTGAGE CORP
State: GA

Complaint narrative:
I am an XXXX and Good Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX TX XXXXXXXX has failed to make payment on a {$150.00} debt it owes my company XXXX XXXX and XXXX XXXX for XXXX XXXX rendered on XX/XX/2022. Multiple email communications between me and Good Mortgage have resulted in continued promises to pay, but no payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NH

Complaint narrative:
Right before midnight eastern standard time on XX/XX/XXXX, my chime account was hacked into. I was awoken by alerts on my phone. These alerts stated that there was a new login attempt from A device that I do not use, my email on my chime account had been updated, and the phone number on my chime account have been updated. The phone number was changed to a Nebraska phone number. I live in New Hampshire. I also did not recognize the email address that it was changed to. The alerts also stated that there was a transaction decline in the amount of {$100.00} because it was an international transaction. Ive never allowed international transactions on my account in its entire history. The alerts also stated that there were XXXX transactions totaling {$1000.00} taken from my account. The hacker had gained access to my account, transferred the money from my savings account to my checking account and then to my credit builder account. The transactions that were fraudulently taken came out of my credit builder account. The merchant came up as XXXX. I am not sure what that even means, and chime cant tell me either. I was in possession of both of my chime cards, they never left my possession, I never shared my login information with anyone, and I do not have my pin written down anywhere. I reached out to chime immediately that evening around midnight to suspend my account. They advised me to send proofs to their customer service email address, which I promptly did the following morning. They finally re-enabled my account with a new email address and password this morning on XX/XX/XXXX. I went into the app and disputed the XXXX transactions totaling {$1000.00}. Within 10 minutes, the disputes were denied for no error found. I dont think a proper investigation can happen within 10 minutes. I tried to call back in and dispute it further, but they are not being helpful at all. I have provided ample proof that my account was being hacked, and I am getting absolutely nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Capital, LLC
State: WI

Complaint narrative:
XXXX and XXXX is trying collect some mysterious debt from XXXX that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Penfed after receiving my complaint via CFPB stated my account would be closed due to fraud. I requested a detailed explanation of such yet the associate stated this was the determination of Penfed and nothing else could be provided. Previous communications with Penfed proved this to be untrue as I was told that my prior document was insufficient and that I had to provide a color copy with all pages available. I provided everything that was requested and contacted the utility company to see if they had spoken to anyone at Penfed they stated they had not. I waited over two weeks and feel this was a discriminatory act as I escalated the complaint. I spoke previously to the director of the loss prevention department and he stated there were no issues with my documents. 8 different Penfed associates reviewed my documents and no issue was ever brought forth. They stated they are not going to restore my account because of fraud yet have provided no proof of such as I have not committed fraud.

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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My Venmo account was frozen on XX/XX/22 due to recent activity that appears to be a violation of our User Agreement. When I asked what recent activity agents did not provide an answer. Venmo emailed a link for me to upload my driver license to verify my identity, which I did. Within the app, it states my identity has been verified but when I tried using my debit card provided by Venmo, transferring the money in my account to my connected bank account as well as even trying to send someone my money, the transactions immediately get declined. I reached back out to support who only tells me to look out for an email and that this can take up to 3 weeks. I have XXXX access to the only money I have which is in this account. Venmo does not care that I cant but food on the table for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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