vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 an 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 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 an 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent the credit card ( Bank Of America ) bill payment 10 days before the due date on XX/XX/2022 which reached them late because of US Post service but they charge me {$25.00} as late fee but I called them to charge this bill ( paid {$120.00} ) from my savings account ( the balance of which then falls below {$500.00} and I have been charged {$8.00} again for account maintenance fee ) and lately they got my check too which I mailed them 10 days earlier from due date and was posted on XX/XX/2022 on my account. So I am calling them again again to waive that late fee of {$25.00} which is none of my fault but they they can not do. Please 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 monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my report. The item I need deleted is listed in the report. I am a victim of identity theft, I demand that you remove the item to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Online purchase was placed on XX/XX/2022 order number XXXX for white Linen dress size XXXX, item # XXXX and white cardigan size XXXX, item # XXXX. The dress did not fit so I returned both items by mail per instruction for returns to XXXX. I called XXXX to confirm returns had been received also received email from XXXX XXXX on XXXX XXXX confirming the order had been returned was well. 
I also received a check from XXXX XXXX XXXX # XXXX for the return amount {$110.00}. On the check stub a statement saying * This check if for the item ( s ) you returned. We hope you will choose another item and order soon. Thank you for shopping with us. 
After a long conversation XX/XX/XXXX with assoicates/manager/supervisor at Comenity Bank advise there was still a balance due has applied a late fee and demanding I pay the balance and or make payment to items that have been return. This is the next steps that I am attempting to find a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17 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: Self Financial Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had {$1500.00} in a Bank of America Employment Development Department Debit account. Beginning XX/XX/XXXX and continuing to XX/XX/XXXX there were about XXXX charges to my account by XXXX emptying the account. The amounts of the fraudulent charges varied between {$0.00} and {$3.00}. I reported these fraudulent charges to Bank of America on XX/XX/XXXX and was promised that the money would be returned to me but could take up to 90 days. As of XX/XX/XXXX, 263 days have elapsed since reporting the fraud to Bank of America which has returned {$840.00} to the account. 

Since Bank of America has returned a portion of the stolen money and has stated that the, case is closed, it appears that Bank of America is declining to return all of the stolen money. I have received a letter from Bank of America stating that they, regret any dissatisfaction, which you may have experienced during the the dispute process. Being that the dictionary definition of fraud is, A deception practiced in order to induce another to give up possession of property or surrender a right, and Bank of America is attempting to induce me into giving up possession of my property, this appears to be a case of fraud perpetrated by Bank of America. 

Further, the Bank of America, California Employment Development Department Debit Card Account Agreement, booklet states in item 9, Bank of Americas Zero Liability Policy for Unauthorized Transactions, that I have no liability for unauthorized transactions which these transactions were.

Could you please help me get the Pandemic Unemployment Assistance funds which were allotted to me via the CARES Act of XXXX and fraudulently taken from my account returned to 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 2022-06-17 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: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
A year ago I applied for a XXXX XXXX credit card and was approved for a XXXX limit I have not kept a high balance on the card and currently owe less than XXXX. Synchrony bank decided to do a credit pull and decrease my limit from the XXXX to XXXX which has shown that the card is now maxed out and causing a credit score drop on my credit report. I have attempted through XXXX XXXXXXXX to resolve and Synchrony has denied to restore my card at the original limits I was approved for. Credit fluctuates and it is truly unfair to punish a card holder not by only decreasing the limit on the card but causing a negative remark on my credit report which was a total of XXXX points. I have a XXXX  XXXX card that around the same time decided to increase my limit from XXXX to XXXX so it is extremely confusing and frustrating for me to get a decrease in my limit when I don't keep the card maxed out and I am making payments on top of the damage this did to my credit score on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: AL

Complaint narrative:
IDENTITY THEFT AND FRAUD. 
INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 

XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX XXXX XXXX XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE NONPUBLIC CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT. 

XXXX XXXX HAS FAILED TO VERIFY ALLEGED DEBT BY money audit trial through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). 

DELETE NONPUBLIC ADVERSE INFORMATION TRANSUNION DOES NOT HAVE AUTHORIZATION OR WRITTEN CONSENT. TRANSUNION IN VIOLATION OF 15 USC 1681 SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX. I contacted Citibank re : my Sears ( Shop Your Way ) Mastercard. I spoke to several agents in which 2 offered this months interest and XXXX late fee as discount for being a valued customer. I feel I deserve a better discount for the following reasons : I have paid interest since XXXX, I used the card more during Covid as I waited 8 months for unemployment and it was a source of money. This was a hardship for me. 
I have been hacked 3 times in past year ( I was in XXXX when they closed my acct as someone in CA tried to charge {$500.00}. ) They refused to ask me security? 's and I barely got back home to MI. I have asked Citibank XX/XX/XXXX to not allow usage of card as I am not going to use it and I haven't.

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 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
This is not my debt. From what the letter states it was on XXXX. I was a victim of Identity Theft. I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
A Mortgage Servicing company paid a lien by the Homeowners Association an amount higher than what was negotiated with a Law Firm that I hired. Due to the years of errors and refusals to provide an accounting of the prior lien and now it appears another lien has been placed which has our family in turmoil. We hired a Law Firm that has failed to protect our interest. The Homeowners Association filed legal actions in two different counties against us and our property, which has caused a lot of confusion. On many occasions we have requested to resolved this matter amicably and lost out on an opportunity to refinance our home when interest rates were lower. Our family has been damaged financially and emotionally for years and feel the fraud, deceptive practices must me addressed forthwith. The HOA never provided a payoff to our lender that was going to pay the settlement amount. 

Documents to support our position is available and will be provided upon request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.

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 2022-06-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.

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 2022-06-17 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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-06-17 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  in XXXX Maryland, 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 an 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 2022-06-17 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have Chase XXXX XXXX XXXX credit card under my LLC ( XXXX XXXX ) ending # XXXX and I had problem with the payment via online in XXXX XXXX. My automatic payment was in place all through the year with minimum statement balance due to 0 % APR they were not charging me interest. However, when the 0 % APR ended in XXXX I was unable to change the automatic payment to use full statement balance instead of minimum payment. I had issues logging in and the wait time was XXXX when I called in twice. I was finally able to get a rep on XX/XX/XXXX and she corrected the log in issue with my account and told me I can pay the balance full so she then reverse those finance charges in XX/XX/2022 on the balance I was unable to pay any balance due to the technical issue. I paid full balance on XX/XX/2022, However again on XX/XX/XXXX they charged another finance charge. When I called on XX/XX/XXXX to request the reversal of those finance charges the rep was very rude and said he can't reverse them and when I requested to speak to the manager he said there is a very LONG wait time. This was very intentional and I told him I need to file a complaint and he immediately disconnected from me and it went to the main menu. I have no choice now and filing complaints through CFPB to let the regulators know the issue with XX/XX/2022 finance charge which is a cumulative of 2 months according to the rep and if no activity on the card they won't let the customer know if they're charging any finance charge. This is very unfair and each rep says different things and I was promised to get this refunded initially and now another rep denying my request after the full payment on the balance. I will be closing their account if they don't treat 10-15 year customer relationship fairly.

Company response to consumer: Closed with monetary relief