vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America frozen my account my funds werent available to me in the pandemic when I was on unemployment causing me to lose my vehicle threw repo. getting behind on bills. And rent. This is very stressful emotionally and financially unable to get a hold of anybody about money owed to me, and being sent in circles to fix and problems. I loss a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've tried several times to place a security freeze online with TransUnion and to get my free credit score, however, the online site is usually unavailable or my information doesn't match the inaccurate information in my credit file. 

This is another gross manipulation by Trans union in deterring how they choose to govern consumers credit file, which violates my fcra rights. 

You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit ....

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have reached out to Hunter Warfield in regards to a debt collection from XXXX. In XXXX my fianc paid this account in full. I have attached his bank statements from XXXX XXXX showing the account pay off amounts of {$1200.00} and {$500.00}, as they amounts were removed from his accounts. My fianc was listed as an occupant on this lease and had rights to paid this debt on my behalf. I have counted Hunter Warfield several times via email and phone to resolve this matter and they are not obliging or providing an efforts to resolve this matter. They will not respond to my emails and when I call they place me on long hold and tell me that they are investigating this matter and will return my call. Per the records below I have been contacting them for over a year now with no avail. I have disputed this records with the credit bureau 's and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: WI

Complaint narrative:
On approximately XX/XX/2022 I applied for a {$500.00} loan from Spotloan.com and was approved. Spotloan sent me an email confirmation for my loan along with my proposed payment schedule which consisted of 20 payments for {$95.00} and 1 final payment of {$94.00}. My first payment was scheduled to be billed on XX/XX/2022 and I had the payment set up to come out of my checking account. 

On XX/XX/2022 I called Spotloan to find out my early payoff balance. The customer service agent I spoke to told me that if I pay off the entire balance in full on this day the total amount owed would be {$530.00}. The customer service agent asked me if I want to go ahead and proceed with paying off the loan today. I told him yes and he said that due to the holiday weekend that the payment would not come out of my checking account until XX/XX/2022. I asked the agent if I would have to pay any additional interest, and he told me no the final amount would be {$530.00}. So, after the agent reassured me I would not be charged any extra interest I authorized him to bill my checking account for {$530.00}. 

On XX/XX/2022 I noticed a charge on my checking account for the amount of {$95.00} so I called my Credit Union to find what the charge was for and my Credit Union told me the charge was from Spotloan.com. Spotloan was closed on XX/XX/2022 because it was a Saturday so I waited until XX/XX/2022 to call them because XX/XX/2022 was XXXX XXXX so I knew they would not be operating for business. 

On XX/XX/2022 I called Spotloan and spoke to one of their customer service agents. I asked the agent why I was charged {$95.00} extra when I payed off my loan in full on XX/XX/2022. The agent told me that because all of the banks were closed on Monday they billed me for {$95.00} on XX/XX/2022 and because the charge was already pending it was irreversible. I explained to agent that this was unfair because I paid off the loan in full the day before and he told me that's just the way it is and there is nothing he can do about it. 

So, I demanded to speak with a supervisor who told me that because the banks were closed on Monday their system automatically generates a payment request to the banks a day early because Saturday and Sunday are not business days. I told the supervisor that this does not make any sense because my payment wasn't scheduled to come out until XX/XX/2022. The fact that Spotloan billed me on XX/XX/2022 instead of XX/XX/2022 means they did not honor the terms of our contract. 

The supervisor would not acquiesce my request for a refund and he gave me a confusing explanation as to why they had to bill me before my billing date. I ended the phone call not understanding the supervisor 's explanation, but knowing that I had just been scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexis-Nexis have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: WA

Complaint narrative:
Transunion XXXX XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: WA

Complaint narrative:
XXXX XXXX Experian still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX  this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: AES/PHEAA
State: OK

Complaint narrative:
I requested a refund on XX/XX/29. I havent receive any updates or answers so I called again on XXXX to get any answers and no one could answer me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: PA

Complaint narrative:
I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$26.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: NY

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

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Revco Management, LLC
State: IN

Complaint narrative:
XXXX is taking my money for overdrawn account and sent it to collections as well thats illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reference : # XXXX So between XX/XX/XXXX, 2022-Sept XXXX, 2022. I have contacted XXXX everyday due to fraudulent activity on account. XXXX refund me all the items except the the XXXX XXXX. I never order. XXXX have refused to refund me my money. In the process of these orders, my phone was change to a number that didn't belong to me. The preferred method was also change ; which was me. On XXXX XXXX, 2022. XXXX decided to canceled me XXXX account information out of there system. I submitted the unauthorized activity link multiple times and they claim it's valid. The address on XXXX XXXX wasn't my address. Lastly, I filed a police like XXXX advised and they now don't want it. I contacted Capitalone bout unauthorized used on my debit card. The refused to credit me my money back to. account even with Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX Card or other companies they promoted. Credit was being offered based on Credit Karmas credit monitoring which had negative affects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: NY

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

15 U.S.C 1681 section 602 A. States I have the rights 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