vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account *XXXX  XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I paid this card off and requested with a Penfed employee on the phone in XXXX. I was advised on the call it had been paid off and cancelled as per my request. I received a letter in XXXX saying my account was past due from a purchase in XXXX. I advised I had closed that card in XXXX and was advised via phone that my request had been executed. I placed the card in the company any shred bin ( as I have always done with any card I close ). Penfed advised there were two purchases made in XXXX which are not my purchases. They are now saying since the card wasnt cancelled until XXXX ( when I called about the charge and advised that the card had in fact had not been cancelled when one of their employees advised my request was executed as requested in XX/XX/2021 ) I am unsure why the employee advised it was cancelled in XXXX when it was in fact not. They are trying to hold me accountable for the {$960.00} due to what I feel was a mistake on their employees part. Of course if I find out in XXXX a purchase was made on a card I was told was cancelled in XXXX, I requested once again the card be closed and that it had NOT been in my possession for months. 

I am a single mother and always pay my bills on time but refuse to pay for something I did not purchase and be held responsible for a mistake on their employees part. I have tried and tried to explain to them that I was told the card was requested cancelled in XXXX and was told it was by one of their employees and the only reason I requested it closed in XXXX is because then I realized someone XXXX their end had in fact Not cancelled my card when they advised they had. They will not listen. 

I do not have the card information as I havent had this card in my possession since XXXX. 
The only way they found me in system lately when I have talked to them is with last XXXX of ssn and address. Address has been provided XXXX is ssn information. 

I am afraid this is adversely affecting my credit and this is concerning to me. If it in fact is I want it completely removed and resolved.

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 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat 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 explanation
Consumer complaint received 2022-05-19 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: OK

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXXXXXX XXXX XXXX XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX XXXXXXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account XXXX 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 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loan servicer, Nelnet, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CarMax, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-05-19 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: TX

Complaint narrative:
I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I recently tried to wire funds from my local bank to my son 's account at Bank of America. I obtained the proper routing number fro such wire transfers. For my son 's bank account number, I used the two digit state code ( followed by the rest of his account number ) which has been required whenever I deposit funds with a deposit slip into his account. I have done this numerous times. After several hours the wire transfer was rejected and Bank of America kept {$45.00} of my funds saying " unable to apply clarify credit account number {$45.00} fee deducted. After learning to use the account number without the two digit state code, my local bank deleted the two digit code keeping all other numbers and information the same, the transfer went through to my son 's account. Since I couldn't get BOA on the phone, I went to the local branch, and the manager could offer no explanation. She confirmed that I need the two digit code for depositing funds with a deposit slip. She then contacted someone in the wire transfer office of BOA, and after waiting about 20 minutes or more, who told her that it was a fee for rejection, and maybe my local bank would cover it for me. By the way, my local bank had told me that they had never seen such a charge. I certainly don't think the local bank should cover the fee- it wasn't its fault. I am not a customer of BOA, and I can't find any authorization for them to charge a fee for rejecting a wire transfer.

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 2022-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Debt collection company did not notify me in any written or verbally or electronically manner of a debt. They just reported to credit bureau

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Problem with combining 2 accounts on British Airways VISA points. Hello, my name is XXXX XXXX and my British Airways Membership # XXXX. Ive been trying to combine 2 accounts together ( one was opened in error by CHASE XXXX ) for over a month month. Ive opened British Airways Chase VISA credit card XXXX, Chase bank created British Airways account for me as well ( # XXXX, I can't get in to this account because I already have an account # XXXX ) lets call it account # 2. Ive contacted Chase and they told me to contact British Airways ( see response attached ). I called XXXX XXXX a month ago and was assured by representative that both accounts will be combined in to one in 3 days. I already have ( Membership numberXXXX ). Instead emails came in on XX/XX/22 to my email XXXX telling me : Thank you for getting in touch with us about your duplicate accounts.The details on your accounts do not match, so I haven't been able to do this yet.To safeguard the security of your Executive Club accounts we just need a few more details from you first.Please tell us the postal and email address you'd like to use, and send us a copy of your passport and utility bill or driving license. A link was provided. I uploaded requested information XX/XX/22, waited for response for a week, nothing. Uploaded evidence again, no response. On XX/XX/22 I called again and was on hold for 1 hour. I spoke to representative named XXXX, he told me there is nothing on my case indicating that documents came in. He put in a request again, and said response will come in 3 days. He refuse to connect me to a manager. On same day I mailed a hard copy of my request including request documents to XXXX address that was provided on website. After a week has past and no response on mail or my call, I contact XXXX XXXX again via Complaint Section on their website, uploaded requested info as well. Also Please see atachments. Please let me know what is the issue. I will be glad to clear it up. Thank you for your help. XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, phone XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX 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 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 2022-05-19 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX 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 2022-05-19 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:
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 I have reached out to equifax numerous times about unauthorized inquiries, ( XXXX XXXX, dates XX/XX/2021 and XX/XX/2021 ) and inaccurate information on my credit report. They either say its verified without or just dont respond at all. They also told me to reach out to the company so I reached out to the company who initiated the inquiry numerous times, to either verify it to me or delete it off my report. And they have done neither!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app!!! my account was hacked. My bank return the funds now cash app telling me that I owe them the money!!!! and I can't close the account they also said I should get people to cash app me some money so they can keep the money. I sold my XXXX XXXX stock for {$130.00} and they kept my money. I'm try to close all the accounts that was hacked and everyone is acting like I owe them something there is so much fraud going on. I know XXXX XXXX will be the next company I'll comp! ain't about. Thank y'all for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION
State: WV

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX, in a six-minute call, I attempted to stop automatic payments to XXXX XXXX XXXX XXXX The agent began to read a lengthy, mostly unintelligible disclosure that there would be an {$8.00} fee for the transaction, that the payments could only be stopped for a maximum of 12 months, and that the payments could not be stopped if the corporate recipient of funds had changed their company name in any way. 

Additionally, On XX/XX/XXXX at XXXX XXXX., I called the credit union to report a fraudulent debit to my account of {$14.00}. In that six-minute call, my debit card was cancelled, and a new one was issued. 
At XXXXXXXX XXXX. on the same day, in a four-minute call, I reported that I had been in error and that the {$14.00} charge was legitimate. The representative placed the call on hold for an extended time to get ahold of him. She then said that the investigation into the charge was cancelled but that the issuance of a new debit card could not be stopped. 
On XX/XX/XXXX at XXXX XXXX., in a two-minute call, I activated my new debit card. 
On XX/XX/XXXX at XXXXXXXX XXXX, in a seven-minute call, I questioned why a provisional credit was posted to my account that day for {$14.00}. After being placed on hold for an extended time to get ahold of him, the representative said the credit would be reversed. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
With continued in-school deferments since XX/XX/XXXX, my intended principal balance of about $ XXXX has TRIPLED to $ XXXX with expanded interest due to the conversion of older outstanding interest via interest capitalization. At age XXXX for a life long learner, this has amassed an unexpected $ XXXX total debt. 

Yes, it's XXXX and I am finally finishing a protracted XXXX XXXX. I got my MA during XXXX from the now-closed XXXX University. I started my EdD via the now-closed XXXX University and jumped over to a PhD completion program at XXXX University XXXX I have taken semesters off due to work pressures, but always understood these periods as limited grace periods between school enrollment. 

This is embarrassing and crushing to me. I am exploring PSLF in retirement with a non-profit. I am perfectly happy to take on my ACTUAL principal and associated interest, but not this compounding which is predatory and unfair in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX 

I called to put a temporary hold on my account due to having to move ( military order ) 6 months later while I am on orders I received a notification that have something in collections.

Company response to consumer: Closed with explanation