vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: MD

Complaint narrative:
An agreement was reached under the supervision of the state attorney general consumer affairs division for a merchant to cancel a contract and refund me {$6000.00}. This refund was issued to me on XX/XX/2022 on my Capital One credit card ending in XXXX. Even though this card was closed down on XX/XX/2022 for fraud, Capital One assured me that the card is linked to my new card and the credit should post. Till now, I have not seen the credit of the {$6000.00} being posted to my account. I have seen other credits from other merchants that were charged under the XXXX and for which all or partial credits show on my new card. 

Capital One confirms ( letter attached ) that the credit of {$6000.00} was issued by the merchant but doesn't state why they did not post the amount. 
The merchant provided me proof of credit issued ; the {$6000.00} withdrawn from his XXXX  XXXX XXXX account, Deposit Id to Capital One for the transaction all of which are enclosed here. The agreement and cancellation of my contract with the merchant is also provided here. 
Capital One confirms that the merchant issued the refund in a recent letter ( attached here ). So what seems to be the problem????? Why are they keeping my money????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I did not authorize nor did I benefit from the inquiry listed below. Block and remove it from my consumer report. 

One Main Financial - XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
On XX/XX/XXXX I was scammed by someone impersonating a Huntington bank employee for a grand total of {$3000.00}. This individual text me that someone was attempting to make a XXXX transaction of {$1500.00}, the individual spoofed Huntington 's main customer service number and explained to me on the steps I needed to take on Huntington 's mobile banking app to reverse this XXXX transaction. The next day XX/XX/XXXX the same individual called me from Huntington 's number again and instructed me on how to redeposit the funds that were taken out of my account the previous day.

I had immediately contacted Huntington when I did not see the {$3000.00} in my account anymore. Since XX/XX/XXXX Huntington has had this information and has yet to give me an answer on this investigation. I was initially told that the likely hood of me receiving my money was slim since I had to authorize the transaction through XXXX. I was coerced into sending this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is giving me a hard time to file a dispute against a merchant, XXXX travel that double charged XXXX me for a service on XX/XX/22. I first filed the dispute online but the website didnt provide me the right option for the type of dispute I wanted to file and so I withdrew that dispute since it was not accurate. I tried to file another one online but the system wouldnt let me. I called citicards customer service and they supposedly filed the dispute manually for me and told me I should receive a temporary credit for the XXXX while they investigate. After not receiving the temporary credit, I called them again today XXXX, and I had to ask for a supervisor since the first person had no idea what I was talking about. The supervisor supposedly told me that they had to file it manually on their system under the following dispute number : XXXX, and that I have to wait 15 business days for a resolution and that they wont provide me any temporary credit because they had to do it manually.

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 2022-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
On my XXXX credit report sun west Morgage is showing a negative effect on my credit report and that account with sunwest mortgage was not negative in any way..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

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 an 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 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 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.

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 2022-12-09 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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I requested a credit balance refund from synchrony after I mistakenly set my Synchrony/ XXXX XXXX XXXX XXXX line to autopay in full, resulting in a payment of {$610.00} on XX/XX/XXXX instead of a payment of {$29.00} and a balance of {$0.00}. I requested a refund for the over payment, and SynchronyXXXX XXXX XXXX agreed to mail me a check for that amount. My Synchrony/XXXX XXXXXXXX XXXX balance was updated to {$610.00}, to reflect the refund request. I was told I would receive the refund check in 7 to 15 business days. It has been 19 business days and I have not received my refund check as of XX/XX/XXXX, despite making several inquiries. I was not provided a tracking number and every time I called, I was told to just wait a few more days. On XX/XX/XXXX, I called again to ask about my refund check. The company said they would send another check. I was not given an option for XXXX or expedited check processing, nor did they offer any tracking or explanation on how this processing would be different.

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 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: NC

Complaint narrative:
Never done business with company and do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: American Credit Acceptance, LLC
State: TN

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open rnd consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XX/XX/2022 {$200.00} was scammed from me on XXXX through navy federal. I was selling a desk on XXXX  some one said they sent me {$150.00} and then a message said I didnt have a business account to be allowed to accept {$150.00} and said he sent {$200.00} more and I had to send it back to make a trust to have business account once I did that he took it and said he accidentally sent {$200.00} more on accident and I had to do it again and thats when I knew it was a scam, XXXX said its authorized payment and navy federal said the same thing so they cant dispute it. I have the messages and XXXX account too. Is this not fraud because he used someone elses name and account? Why cant it be reversed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TN

Complaint narrative:
I moved out of the XXXX XXXX under XXXX  XXXX law XXXX which gives me the Right to move out. I notified the landlord of my intentions on XX/XX/XXXX and also noted that I was filing a HUD complaint.Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, landlords are prohibited from terminating a lease, increasing rent, decreasing services, and threatening to bring an action for a possession because a tenant : Complains to a government agency. On XX/XX/2022 was the XXXX Retaliatory Act. Then XX/XX/XXXX, the landlord submitted this to XXXX. XXXX has now hit my credit for an illegal unowed debt. This case is under HUD and every day Experian reports a false debt and denies me credit will be responsible for violations un FCRA. It was reported on XX/XX/2022 so I am entitled to {$1000.00} for every day they have violated my Rights and refuse to report accurate information causing me harm.

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 2022-12-09 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, I booked a trip via XXXX XXXX XXXX a travel agency ) with a payment plan split into three transactions. The first of XXXX XXXX on XX/XX/XXXX, payment of XXXX XXXX and then on XX/XX/XXXX, for XXXX $ for a total of XXXX XXXX Then on XX/XX/XXXX, the trip was postponed due to covid which the policy promised a full refund due to covid related issues ( which this was one ). They had the option of a full refund or going on the delayed trip. I opted for a full refund. They said that the refund would take around 90 days. Eventually, after more than 90 days, I got an email saying they would process the refund in 5-7 days. I wasted and nothing was processed. after I emailed them about this issue the company stopped replying to all my emails. To combat this, I filed for a credit card dispute, and Discover only provided a refund for the first two transactions and not the third one. They were all the same purchase split into three transactions, so the decision makes no sense how only part of the refund is given when it was all the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have an account at Paypal and I am constantly getting fraudulent requests for payment. There is no easy way to cancel these requests, and Paypal keeps saying it will automatically pay the fraudulent requests if I I don't cancel immediately. I try to report these to Paypal as scams, but 1 ) to report them, it logs me out every time ( there is no real way to report since it automatically logs you out to do so, 2 ) The virtual assistant keeps freezing up when you use the word " scam '' or " fraud '', and 3 ) it won't permit me to block these accounts because it says I have to send them an email letting them know that I want to block them ... there is NO BETTER way to get scammed than to let them contact me on Paypal with fraudulent requests THEN SEND MY EMAIL ADDRESS TO THEM. This is conduct that is facilitating a fraud and you should hit Paypal with a massive fine for this conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: MI

Complaint narrative:
I am paying {$210.00} a month for a system that is not functioning properly. This is not even working at all. It's a piece of junk sitting in my yard. It is a non stop problem. And it is not worth the {$61.00} XXXX loan that I am supposed to be paying. I am literally paying XXXX electric bills. I wish I'd never had this system installed. It is not worth the money I am paying. All I have gotten is Lies!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone was using my XXXXXXXX XXXX and card to purchase stuff on XXXX. It wasnt me who made those purchases, but they refused to give me my money back which is over XXXX dollars. Someone was making those purchases on XXXX on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I linked an egift card to cashapp, that day at XXXX the card containing XXXX was drained of XXXX dollars and left with XXXX dollar in the matter of a minute. I contacted cashapp on more than XXXX seperate occasions and I am still contacting cashapp over this. I filed a claim with the card company and I have filed a dispute with them and still I am waiting to hear back. Cashapp has ignored or blatantly been unhelpful and ignorant to the issue and avoiding all the direct statements I make. I will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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:
Attempted to contact my loan servicer, aidvantage, to request a refund on payments submitted on my student loans on XX/XX/2022 via a phone call as well as using their messaging system to request a refund. I was informed that it would take up to XXXX weeks to get my full refund of my requested refund and I have not received my refund as of XX/XX/2022. 

I have attempted to contact aidvantage requesting an update on my refund with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 XXXX XXXX  XXXX XXXX Account number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
Two transactions happened on my account and both times I received a text from my bank asking if it was me and I said that this transaction was not me. I filled a dispute for both transactions. I asked my bank for the name address and phone number of the company that took the company and the bank was not able to locate this information.

Company response to consumer: Closed with explanation