vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-20 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My XXXX report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on TransUnion my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) discharged XX/XX/2022. TransUnion in remarks shows XXXX  XXXX but doesn't show closed.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Equifax report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on XXXX my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XX/XX/2022. XXXX in remarks shows XXXX  XXXX but doesn't show closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I established a credit card ending in XXXX with USAA Bank 30 years ago. The company decided to close my account after 30 years because I did not make a purchase on it in 3 years, however, Ive had this credit for years with no purchase. They set a precedence that they broke and it will now negatively affect my credit score XXXX this was the longest established credit card on my credit bureau. I NEVER asked USAA to close. I called USAA to have it re-activated and they said they could not. There is something very wrong with this practice!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The XXXX  XXXX debt with original creditor XXXX XXXX  but issued through XXXX XXXX XXXX XXXX  ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this 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 non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc.
State: AZ

Complaint narrative:
I have a cash app account under the name $ XXXX my email is XXXX XXXX XXXXXXXX I was unaware that cash app had converted my account in 2022 a business account charging me 2.75 % fees every time I received money Id never elected willingly or knowingly to have a business account it was a personal account for personal use I contacted them XX/XX/XXXX through their chat line they did not respond back I contacted them XX/XX/XXXX they agreed to give me XXXX dollars for the past XXXX days they will not work with me any further they have no management to escalate to they technically have been charging me for XXXX years for these erroneous business fees but I did not ever convert the account myself they disconnect my call even though I am not being belligerent or unkind and tell me they can not help me any further although they Stated they can only give me the money back that they charge from the date I called which was XX/XX/XXXX but they didnt they gave it to me from XX/XX/XXXX forward they will not have a manager contact me they state theres nothing more they can do it is unfair and unjustifiable that they have charge me on the money I have received I have proof of this on my phone that Ive contacted them also the fees they have charged they are unworkable can someone assist me I believe that you oversee cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have paid my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and they have agreed to delete this medical bill from my credit report and it is still showing up on my credit report with TransUnion. TransUnion sent me an email stating that the information would be removed but it has yet to be taken off of my 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 explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Back in 2016 I file for bankruptcy XXXX XXXX. I have a card with navy federal credit union. I have tried several time to reestablished my credit. I have applied for a secure visa under their program. They denied me for I had a incident, loss or problem with the card I put in the XXXX XXXX 

When I got my life together I dropped the XXXX XXXX  and what was owed to Navy Federal I paid in full. Through my checking account I have with them. I feel that Navy fed is discriminating and giving unfair treatment against me because I had to file a XXXX  XXXX that was filed because of excessive medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This morning, I received an email that a Bank of America account had been opened with my credentials. After thoroughly researching the email address, content, and cross checking with BOA, I was indeed able to confirm that it was legit. I immediately notified the fraud department there that supposedly shut everything down, and informed me that there were no charges or activity. ( It was only about XXXX hours before I had caught it and shut it down. ) The worst part, is that I have had a long term freeze on all of my credit reports/accounts, yet somehow, the BOA platform allowed and approved an online creation without any form of photo or personal verification.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank is giving me false and misleading information. They are showing that I have a available credit of {$8000.00} on my sams business credit card. The are not however allowing me to make a payment on the account nor actively use my credit card for everyday purchases

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 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently made a military move from XXXX to XXXX. I opened a Best Buy credit card to help make purchases for the move in XXXX. When I was applying for the credit card, the Best Buy sales associate pulled the information from an old Best Buy account account that was on file. I told him the address was not up to date. He said to just leave it as is and to update the address later so I did not update the address. After opening the account, I called Best Buy to change the address on file for me and they restricted my account because my phone number was not eligible to receive text messages that verify my identity ( my cell phone is under my husbands name because we have a family plan ). The only solution Best Buy/Citi bank can offer to unrestrict my account and update my address so that I can receive my credit card is to mail a letter to my old address in XXXX  to verify me. I have told them several times I can not receive that letter because I live in XXXX. The associate I was working with went on and asked me to get a hold of the person who lives there and have them open my mail and read me the code so I can verify myself to Best Buy. This was the best solution they could come up with. Now they are saying there is nothing else they can do and I am unable to receive or use my credit card because of fraud concerns. When I open the credit card I spent {$2400.00} on the card and later payed the balance in full no more than two weeks later. The payment and account opening both happened in XXXX. How does that sound like 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 2022-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Carrington mtg not sending over documents for XXXX funds to perform a modification on my loan. Home was in deferment during XXXX but XXXX has me 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I first contacted Aidvantage on XX/XX/XXXX about a refund on the student loan payments I have made over the course of the pandemic. I am requesting a refund of {$6100.00}, for which the amount has been confirmed via Aidvantage emails and calling again in early XXXX, but there have been no balance updates on my student loans online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Equifax knowingly transferred adverse action inquiries to my Comsumer report without my consent. see XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I got a second mortgage to pay off my Barclays credit card. This payment was sent on XX/XX/XXXX. On XX/XX/XXXX this check was processed by Barclays bank. This payment was not processed on my account. I called several times over the course of a few days. They would not make a case on several occasions. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They made a case for me finally today. They told me it would take up to 60 days additionally to resolve. Their are now two case numbers that I can and will provide for my two accounts. I have check images that show these payments were made and would like this resolved as soon as possible. In the course of these days of calling Barclays Ive been on the phone over four hours and Ive been hung up on at least four times. Reps have refused to give me a operator ID numbers And in most circumstances been very unprofessional. I do have operator ID numbers for several of the reps that I spoke with and can provide additional details as needed to help in your investigation.

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 2022-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, Someone opened a Bank of America Visa credit card in my name. The new credit card was sent to my home address. They somehow linked the visa credit card with my Bank of America checking account. On XX/XX/2022 they were able to transfer {$7600.00} out of my checking account with the help of a Bank of America employee. On XX/XX/2022 they pulled out {$7100.00} with the help of a Bank of America employee. They also used the visa card to buy large purchases. I noticed these fraudulent activities XX/XX/XXXX. I then called Bank of America customer service and they froze my accounts. I withdrew the remainder of my money from the bank. Since then I have tried calling the bank every day talking to different people no one seems to be able to help me. All Bank of America says that I might get my money back but they will not guarantee it. They say I shall get an email maybe in a month to let me know.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I spoke with Citi bank via phone call on XX/XX/2022. I informed the representative I had fraud occur on my account and I wanted to report it. I reported the fraud and was informed my investigation would be started. XX/XX/2022 I receive an email saying Citi was closing my credit card account. I called Citi and spoke with XXXX in the XXXX XXXX department at XXXX XXXX. I informed XXXX I was a victim of fraud and she refused to help. XXXX was unnecessarily snark and condescending. I felt helpless and shamed for being a victim.

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 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I borrowed Student Loans from Sallie Mae but fell behind on payments. As a result, my loan was charged off and sold to a debt collector XXXX XXXX XXXX. I made two payments with them, but I do not believe these payments went to Sallie Mae. I am in contact with Sallie Mae to obtain any records they have, and the debt collector was hesitant to assist me in this matter. I am trying to assess my options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery you state in CFPB XXXX you have a right to report enclosed accounts SHOW ORIGINAL CONTRACTS for them not a letter, CONTRACT with my signature on it also the documentation that clearly states opt-out of credit reporting { because you don't have any original documents a fraud report was made you have no rights to report to report any information about my self Documents enclosed when I say cease and desist I mean to anyone or company. You bought the debts from someone other than myself a letter does not mean anything the original debtor does not have the original contract the FEDERAL RESERVE has it any other is a fraud The Federal Reserve is the only one that can collect anything else fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank
State: GA

Complaint narrative:
Being charged multiple overdraft fees for one transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 which was the agreed date to receive the I never got them and the persons involved took my money even after telling me I could get a refund the amount of {$500.00} was sent to a XXXX XXXX using XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
795 % yearly apr took an {$800.00} loan 18 payments are due at XXXX $ each

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