vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
XXXX XXXX XXXX placed a collection on my credit that does not belong to me. 
They did not send me any information to validate the debt or send me any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Using XXXX I sent money via Bank of america to a vendor online at the address XXXX, subsequently it turned out that the vendor was a scam. I contacted Bank of america to dispute the transfer and report the fraudulent activity, but was transferred from department to department, places on hold and was told they would call me back. I never received a call back. When I contacted them a second time, they told me that too much time had passed and there was nothing they could do for me. If they had properly addressed the issue we could have stopped the transfer ( {$120.00} ) from 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 2022-08-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid my Belk/XXXX  on XX/XX/2022 through my bill payer account. I paid more than the minimum amount due. My bank showed the payment posting on XX/XX/2022. I recieved an email from belk a few days later saying that they did not recieve the payment and that i was going to have to file a missing payment form. i had to wait for my bank statement. on last friday i got an email from belk saying that the payment had posted to the account on XX/XX/XXXX. then i got a notice from synchrony bank saying that they closed that account and all of my other accounts that synchrony services. i dont think it is fair that all of my accounts have been closed when i in fact paid the bill on time and something happened between then bank and the credit card company. 
Belk JCPenneys Care  Credit American Eagle 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 2022-08-22 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: GA

Complaint narrative:
TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). THE ACCOUNT IS NOT VERFIFIED! TRANSUNION HAS NOT PROVIDED PROOF OF WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION. 

You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am an XXXX  lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX  they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  DELAWARE XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am having XXXX  XXXX on the XXXX of XXXX My doctor uses Care Credit . 24 mos. No interest. Went online and filled out the information, which consisted of my name, address, and amount of XXXX, SSN. I received Pending number XXXX. Several days passed I called the number XXXX XXXX XXXX. The person said I needed to go to Varify on my phone only because the camera would be used. Synchrony varify.syf.com I worked threw it, took a video of myself, then took a photo of my driver 's license front. I went to the back to it but could not get the picture. it kicked me out and Blocked me. I called the number XXXX the person I talked to said they got what they needed, just first front and back of the License plus photo and info. Then she said to wait a minute it just popped up on my computer you have been denied. I asked how could that be possible you didn't ask for any banking info or had time to check my credit. Her demeanor changed she said you will receive a letter in 7-10 days telling you why you have been denied. I asked to speak to a supervisor. No help just the same 7-10 days your letter will tell you why. I called my Doctor office They tried to help same answers. Their office called the Care Credit Rep. he was going to look into the problem. Never heard from him. Received a letter saying I needed to finish my application When I called got the same answer oops you have been denied. No one tried to help even when the doctors office called them same answer. I have a XXXX credit score just by myself for {$6600.00} dollars. I do beleive they saw my photo and age and they said not this one. I have paid my doctor and was unable to take advantage of the offer and not help to rectify the problem from Sychrony Bank. I would like to be reimbursed for lack of customer care.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MI

Complaint narrative:
I bought a netspend prepaid rechargeable card so my relatinves could spend on the XXXX XXXX on a XXXX of XXXX weekend. Following advice at the local representatives in the XXXX, Florida - XXXX location paid in cash. 

After being denied activation of the card as my relative was not American I did the activation, however, they still denied both the activation, use of funds or refund the resources paid for said card. ( photos of said card attached ) I have spent a total of 4 hours over the last month talking to Netspend representatives ( phone records attached ), I call once a week, I pass the tests, and the security questions, and give them my SSN, but still, they refuse to send me my money back. They update my address telling me to wait a week for a letter- which never arrives. 

They refuse to give me any kind of case or phone call record and they also refuse to give me the funds back in any other way. As more weeks pass I know I will be reaching the max limit for non-used account cancellation. This shows the bad faith of this company first non disclosing they will not activate the accounts for anyone and second refusing to return the funds they have under my name.

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 2022-08-22 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: MO

Complaint narrative:
In XXXX of last year an account was opened in my name for a credit card with a limit of over XXXX  USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item 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 explanation
Consumer complaint received 2022-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ordered a bedroom set from XXXX on XX/XX/2022. The bedroom set arrived at the local courier ( XXXX ) XXXX, however XXXX couldn't locate the items. We kept following up with them until XXXX, they had no trace of the items. At that point we ordered another bedroom set from a different company and asked XXXX to cancel our order and refund the money ( {$5000.00} ). 

Come XXXX, XXXX found the items and insists on delivering them, we no longer need the items as they were deemed missing for over XXXX months. We called Capital One to dispute the charges and had no avail. We called XXXX and they are trying to charge a return fee of {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report through XXXX XXXX software in the beginning of XXXX XXXX. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-Experian
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX  Demanding that all three credit bureau's remove the late payment due to all three credit bureau's being in violation for not displaying 100% accurate information on my report. I then also included a copy showing the account 
( XXXX XXXX XXXX XXXX)from XXXX XXXX displaying that in fact all three credit bureau's are displaying inaccurate information.
I received my credit report from all there credit bureau's 30 days later informing me that they verified the information and that it was accurate.
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau's are committing against me at this time such as (Pursuant 15 USC 1681a 2(A)(i)  &  FCRA 15USC 1681a 2Ai )
I then sent out a second letter on XXXX XXXX XXXX by certified mail
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
demanding once again for all three credit bureau's to remove the incorrect information from my report and that all three companies are in clear 
violation of the laws. I made sure once again to send a copy from XXXX XXXX   software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights.
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud.
If this matter is not resolved in a timely  matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX
I greatly appreciate the 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 explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I submitted an earlier complaint on XX/XX/2022 ( ID : # XXXX ) concerning fraudulent charges through my bank account with Chime. Chime responded by returning most of the disputed charges coming to a total of {$1300.00}. However the claim amount was for {$1800.00}. Upon reviewing the disputed charges Chime left out {$500.00} that was on of three charges at XXXX. I then emailed Chime back informing them of the discrepancy. They then responded asking for " new information '' regarding the case ( see response attached ). As I have no " new '' information to provide as it is the same case I have decided to reach out here for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i sent a dispute letter to the equifax and XXXX  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i sent a dispute letter to the XXXX and Experian  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
On XX/XX/2022 I was approved for a checking account through Navy Federal Credit Union without any issues. On XX/XX/XXXX, I switched my direct deposit information to this checking account so that I could receive my paycheck on XX/XX/XXXX. I called Navy Federal on XX/XX/XXXX to ask if my paycheck would arrive two days early like with my previous bank and this is when I found out about the restriction on my account that will allow me to deposit, but not withdraw. Prior to this, I received no information, whatsoever about the freeze on my account. They told me to call XXXX XXXX XXXX to get the issue resolved. I called XXXX XXXX XXXX and they told me that it would take XXXX days for them to send me a letter either by mail or email explaining why there is a freeze on my account. After trying to escalate with Navy Federal, they told me that I would have to speak to their security department who has a TWO HOUR hold time. After holding for a whole hour, my call dropped due to bad service in my home. This is causing a huge financial strain on me and I have a XXXX year old son. The constant phone calls that I'm having to make is also interfering with my production time at my job. Please help.

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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monterey Collections is attempting to collect on an alleged debt that don't own and are furnishing information without my consent. They alleged debt 's original creditor is XXXX XXXX XXXX and the debt can not be transferred, pursuant to UCC 9-109 ( d ) ( 5 ). Monterey Collections was put on notice XX/XX/2022 to no longer furnish information on this account and have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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 an account without my written instructions.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.

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 2022-08-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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 an account without my written instructions.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NY

Complaint narrative:
XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX  # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX  # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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 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