vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Last week I have received letter from Bank of America dated XX/XX/2023 stating that they moved {$130.00} from my deposit account and applied it to the outstanding balance on my business card ending in XXXX. That alerted me to investigate why the was an outstanding balance on my account if I had plenty of money to cover my expenses from my checking account that I understood it will happened automatically. This Tuesday XX/XX/2023 i went to XXXX office to discuss this issue and get some personal service. Well even though the staff was very nice and accommodating, they could not help me beyond connecting me with credit card department on the phone, because my account got closed supposedly for not payment, that I found out at the bank, so thy in turn connected me with the collection department in the effort to collect some {$230.00} that was outstanding according to them even though they transferred on XX/XX/XXXX outstanding balance and no transactions where made since that time. That was news to me for I did not receive any previous communication from them and that should not be a problem because i hold personal credit card, personal checking account and saving certificates with XXXX and I am receiving regular communications from them for this accounts and they are in good standing. my personal account is being automatically being paid from my checking account. Now back to my Business Credit card. 
Effectively on XX/XX/2023 I was charge {$29.00} in fees and {$3.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$3.00} in finance charges and according to the statement {$130.00} was moved from my privet account to offset payment, and today I was charged {$230.00} to pay off the closed account. When I was doing this requested payment on the recorded conversation with the agent I did say that I am doing it involuntarily. The agent name was XXXX and she introduced her self as a Senior manager and she did say that i can not escalate my case to a higher level and I said that I will file a complain. I was also given a phone number : XXXX in case I have any questions. 
I was denied a due process to correct initially the problem with automatic payment from my account. My reputation got tarnished with the late fees and the closure of 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
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Money was sent from PayPayl to another country on XXXX in the amount of {$60.00} and another in the amount of {$300.00} dollars to a XXXX XXXX. I dont know the person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX XXXXXXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX XXXXXXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.

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 2023-12-20 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were XXXX  with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : Executive Office of Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXXXXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXXXXXX XXXX. ET. 



Sincerely, XXXX Executive Office of Customer Advocacy Public

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Ive disputed the validity of this debt. The company previously removed this debt because it was the result of identity theft. Portfolio Recovery is now reporting this debt again, they just changed the amount theyre reporting. Theyve provided no information for debt validation and/or debt verification. The amounts are between the original creditor and this collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information is incorrect. It hasnt been validated. This collection company are reporting different information for the same account than what the original creditor listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-12-20 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: VA

Complaint narrative:
Delete Hard Inquiries 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.

The accounts below have violated my rights.

15 .S. 81 ser hase i. States 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 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 16815-2 ( A ) ( a ) 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.

Delete the accounts below. 

DELETE HARD INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX TRANSUNION, XXXX XXXXXXXX XXXX, XXXX XXXX  TRANSUNION, XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION, XXXX XXXX TRANSUNION, 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 2023-12-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Delete Hard Inquiries 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.

The accounts below have violated my rights.

15 .S. 81 ser hase i. States 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 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 16815-2 ( A ) ( a ) 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. 
Delete the accounts below. 

DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX EXPERIAN,  XXXX XXXX EXPERIAN, XXXX XXXX XXXXXXXX, 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 2023-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I discovered that XXXX XXXX XXXX account, with the account number XXXX, is being reported on my credit file. To my surprise, other credit bureaus, specifically XXXX and XXXX, have already recognized an error in the reporting of this account and have taken the necessary steps to remove it from their records. I am perplexed and disappointed that your bureau has not followed suit. According to the information I have received, there was a confirmed error in the reporting of this account by XXXX XXXX XXXX, and they acknowledged and rectified it promptly. It is unclear to me how this discrepancy persists in your records while other bureaus have updated theirs accordingly. I implore you to investigate this matter thoroughly and take the necessary steps to rectify the reporting of the XXXX XXXX XXXX account on my credit report promptly. Your compliance with the law, as well as the precedents set by other credit bureaus, is crucial in maintaining the integrity of my credit history.

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Loan originated from XXXX XXXX. They sold loan to Specialized Loan Servicing. Loan was sold with impound account including taxes and insurance. SLS did not pay insurance bill. Policy lapsed for two months until I paid insurance. Premium was {$100.00} more. SLS fined account {$76.00}. Called company, who insisted insurance was not part of escrow. I have done 7+ loans with XXXX XXXX. Insurance is always included in the impound 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
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
XXXX XXXX. has committed multiple federal violations of my consumer rights. I was never contacted or notified about any alleged debt and I was also improperly served on the date of XX/XX/2023 Title 15 U.S.C. 1692g ( c ). 
XXXX XXXX. moved forward with legal suit against me XX/XX/2023, without disclosing the fact that I am able to dispute any alleged debt ( Title 15 U.S.C. 1692e ( 2 ) ( A ) and ( B ), Title 15 U.S.C. 1692g ( C ) & ( d ), Title 15 U.S.C. 1692e ( 4 ) & ( 14 ). XXXX XXXX. hiring debt collectors for this alleged debt also violates Title 15 U.S.C. 1692j ( a ).

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 2023-12-20 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: TX

Complaint narrative:
This account was removed due to identity theft. This account is not mine. The account wasnt validated and/or verified. The account is now reporting again on my credit report. Account XXXX is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. XXXX and XXXX deleted and blocked reporting so this account hasnt resurfaced on my credit profile with them. Experian needs to do the same.

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 2023-12-20 00:00:00
Product: Credit 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: DISCOVER BANK
State: NY

Complaint narrative:
Contacted credit card immediately after realizing there was multiple charges made on my card that I did not recognize. Spoke to them multiple times explaining the situation. Gave them documents backing up my explanation. They have approved for out of the 12 charges to be disputed but denied the other eight. Called back immediately explaining that I spoke to the company directly. Company was unwilling to refund me even after recognizing what went wrong on their end. Called back the credit card explaining my interaction with the company regarding the charges. Was then told to go back to the company and basically beg for them to refund. I have now acquired more documentation supporting my dispute with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. also 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. XXXX " I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I been in dispute with a charge on my card that was not made by me. Call the company they couldnt provide any information on the purchase. Where it happened what was purchased. I filled a police report with my local authorities. Upload police report 3x Goldman Sachs. Currently enrolled in fraud protection for my identity. Its been about 8 disputes and no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation