vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: GA

Complaint narrative:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section Stat7es : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a checking and a saving account with Chase Bank.I have those account for a very long time over 30 years. 

Suddenly chase is charging my saving account a fee of 5.00 every month. 
I don't understand why. I use my account to pay all my bills and I try to maintain some fund in my account but chase keep charging me the XXXX fee. I can not afford to be charged unnecessary charges. 

On XX/XX/XXXX, XXXX was debited from my saving. 
On XX/XX/XXXX, XXXX was debited from my savings. 
I would like chasse to credit my account back for all the necessary charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Our Complaint is about Amerihome Mortgage company They are holding uncashed checks racking up late charges and penalties. 

on XX/XX/XXXX a check for XXXX was sent to Amerihome mortgage along with a check for XXXX monthly payment. They cashed the XXXX check on XX/XX/XXXX and we placed the balance of the Mortgage on XX/XX/XXXX as well. the XXXX made it to our mortgage payment but the XXXX never made it to pay off our partial claim. that check has disappeared and the XXXX dollar payment that we placed never made it to the proper month. it was placed on XXXX payment and not XXXX payment. We called and had then change the XXXX several times and it still has not made the XXXX payment. We are also missing XXXX for XXXX payment and XXXX for XXXX payment aws well. We know they are receiving the checks because the XXXX one was cashed. we need help and dont knwo where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
Aqua finance was included in a bankruptcy and they are still reporting on my credit, the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

Convergent 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 A section 2 : It also states a consumer reporting agency can not furnish a instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.

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 2023-02-21 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: I.C. System, Inc.
State: MI

Complaint narrative:
In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

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 A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.

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 2023-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/2022 United Wholesale Mortgage transferred my account to XXXX XXXX and marked it as closed. In XX/XX/2022 my credit score went down XXXX points due to this mortgage loan being marked as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance the the fair credit reporting act XXXX account, 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AR

Complaint narrative:
I am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$240.00} WE XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by 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 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received approval from Best Buy for a {$1000.00} credit card. I purchased an XXXX XXXX  with a credit card for about {$670.00} and received an additional {$150.00} warranty with it. After a few days, I realized Best Buy had given me a defective laptop that was likely used by someone else. I tried to have it fixed under warranty, but they said they couldn't fix it. 

I tried to get a refund for a defective device I had received, but they wouldn't give it to me. Later, Best Buy increased my credit card limit to {$2000.00} without my permission even though I had only agreed to a {$1000.00} credit limit, charged me an additional {$1600.00} in interest, and sold my debt to a debt collector. I'm not sure who the debt collectors are right now, but each time I tried to call Best Buy to resolve the issue, they were unable to assist me.

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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Colorado statute XXXX " No security deposit shall be retained to cover normal wear and tear. '' Two years ago XXXX XXXX  attempted to charge me {$170.00} to bring the apartment up to move-in-ready condition. I disputed the charge and XXXX XXXX  dropped the issue since we both knew that {$170.00} for a paint crew plus cleaning crew, clearly the apartment was left clean and without damage or it would cost more. Their own pictures show very minor wear and tear for living at XXXX XXXX  for about 5 years. XXXX XXXX  was sold and now 2 years later, the new landlord, without any notice to me, sent the bill to a collection company who has damaged my credit report by claiming it is past due. I noticed my credit score drop and had to find out why. I informed them the bill was illegal and they responded that my only choice is to pay or my credit score will continue to decline. Holding my credit hostage for an illegal bill is " False Credit Reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: CBC Companies, Inc.
State: PA

Complaint narrative:
To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : XXXX. Inform the business where the account was opened that the debt is the result of identity theft. 
XXXX. Stop collection activities against me. 
XXXXStop reporting information about the debt to credit reporting agencies. 
XXXXIf you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 
XXXX provide me with the records I requested. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your cooperation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I opened an XXXX XXXX account through my employer, XXXX, and their benefit program last XX/XX/XXXX at Optum Bank in XXXX XXXX XXXX, Utah. 

Once opened, I requested a debit card so that I could use my XXXX funds.

It took Optum Bank over 2 months to provide my debit card to me to enable use of my XXXX  funds for medical purposes. This delay harmed me.

Once I received the card, I registered it and attempted to use it. The card was declined for " insufficient funds ''. I called Optum Bank and was put on hold for a long time before a representative told me that my account was empty and that they were contacting their fraud team and that I would be contacted within 12-24 hours by the fraud team. On this date ( XX/XX/XXXX ), I had over {$9300.00} in my Optum Bank XXXX account.

No one from Optum Bank 's fraud team every contacted me. 

I called a few days later, was put on hold for a long time again, and was told that my account was " closed by mistake '' by the Bank. I asked them where my money was and was told that my funds would be back in my account within 12-24 hours. This did not happen. 

Finally, on XX/XX/XXXX, Optum Bank reopened my account and redeposited my funds in my account. 

I then attempted to use my funds and the debit card continues to decline my use of my funds. 

I have tried to email Optum several times since they reopened my account and returned my funds but the secure portal will now allow downloading of the correspondence from Optum, making written communications impossible.

I tried again to use my debit card without success.

The delays in access to my XXXX funds, the negligence by Optum Bank in closing my account without my knowledge or consent, and repeated failure to enable use of my debit card to pay my medical bills is harming me. I want Optum to correct their failures immediately and enable my access to my funds held by their institution. 

Thank you for processing this complaint, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Comenity capital XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also stated that 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: AL

Complaint narrative:
XX/XX/XXXX I was informed that a account I did not ask to delete was deleted XXXX XXXX account number XXXX I did not dispute this account I disputed XXXX account XXXX Which originated from a fraudulent XXXX XXXXXXXX account I had no knowledge of

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 2023-02-21 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: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX approximately around XXXX an ATM withdrawal was made on my Cash App account that I did not authorize. The amount dispensed was XXXX, they also charged my card for the ATM fee of {$3.00} for using an XXXX XXXX XXXXXXXX ATM. I disputed the transaction immediately, about a day I received an email saying my claim was denied & they will be taking no further action, I asked for an explanation on why it was denied only for them just to send a pdf of the transaction, no other information provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Im XX/XX/2023 I was charged {$97.00} by XXXX through Paypal, which then charges my XXXXXXXX XXXX account as the payment method, since I accidentally forgot to turn off auto renewal. I called XXXX the same day and the cancelled the membership and they refunded the full {$97.00} to the original payment method which was through PayPal. The problem is Paypal never sent the money back to my XXXXXXXX XXXX account. I have opened XXXX cases with Paypal and they have closed both without returning my money back to me. I have also called XXXX to see if maybe it was an error on their side but they have confirmed that PayPal never sent the money back. It has been more than 30 days since this has happened so there has been plenty of time for PayPal to process this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've tried to remove the incorrect address 's off my credit report for quite a while but they are still showing. There's address 's that are a result of identity theft.

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