vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Johnson Mark LLC
State: UT

Complaint narrative:
These guys haven't proven that they should be having any contact with me to start. The seem to not be able to produce anything with my signature that would allow them to have any contact with me whatsoever. They have harassed me relentlessly, send me copies of bills that look like someone with word processing and graphic design capabilities. Nobody can seem to find a copy of an actual payment, delivery confirmation, photo ID of the person that opened the account. Just a bunch of scam material to steal from people. Ive easily been able to duplicate the bills in a XXXX document. All I needed to do was download a logo from XXXX XXXX and I have a bill that looks exactly like the ones you sent me. These guys do this so that they can steal from people. XXXX even changed my address in my credit file without my knowledge or consent... twice. These guys then apparently get a court order stating that the person owes XXXX but, then they want you to pay some other company called XXXX. Nowhere on the court document is XXXX listed. This REEKS OF FRAUD AND IDENTITY THEFT. They seem to have all of my PII when I never actually gave it to them. They fail to provide any kind of signature proving that they have the right to my personal information. They have now harassed other people in the process when they NEVER HAD THE RIGHT TO BEGIN WITH!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
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 right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states 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 2022-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XXXX XXXX was supposed to assist us with closing a HELOC but then created a word document about us working XXXX XXXX. Which one party on the loan also works for a XXXX  and for requests like that YOU the loan processor are supposed to request that. XXXX literally said she didn't know how to do it and that we had 3 days to get it figured out or she'd close it. This process was less than 3 weeks open. And that harassment was the first time she contacted us. All over a work XXXX XXXX letter? All these requests were given, even the job letter that states its work XXXX XXXX was deniedit seems she trying to not allow our loan to process. And when another loan processor was requested, XXXX XXXX XXXX XXXX we had to deal with it and that we had to harrass our HR for more documents to get a loan. Any institute that I've proceeded with aloan through even Navy Fed has actually done their job but not these 2 ppl. They've went out of their way to lie and herras us to kill the loan. 
They literally were trying to make sure our jobs knew we were taking out loans and trying to sabotage us from getting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX FL XXXX TJX Rewards Platinum Mastercard XXXX XXXX XXXX GA XXXX I made a purchase at a XXXX XXXX XXXX  On XXXX. They convinced me to get this credit card to get a big discount for this purchase and future purchases. I planed on paying cash anyway so I new I would pay it off as soon as I got the bill. 

However, I didn't get the bill until after their due date which already included a late fee!! 
This was on XXXX so I called immediately and they removed the late fee. 
I complained about this fraudulent practice and cancelled this card right then. I paid the balance in full that same day as well so there would be a XXXX balance. 

Then I received another bill for interest of {$13.00} dated XXXX despite the bill being paid within 30 days of purchase! The woman I spoke to closed this account but didn't tell me that I would be charged interest otherwise I would have demanded that be removed as well. I verify every bill I pay so I was able to protect myself. I am turning to you to make sure this company gets investigated and stopped immediately. 

IT IS CLEAR TO ME THAT THIS BANK/COMPANY ENGAGES IN FRAUDULENT BILLING PRACTICES FOR PROFIT. PLEASE STOP THEM.

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 2022-07-29 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: GA

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 right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: GA

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 right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CT

Complaint narrative:
There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
Transunion reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for Transunion is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and XXXX and Transunion refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX  account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. Transunion has never investigated this item. Transunion reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % 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 non-monetary relief
Consumer complaint received 2022-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; XXXX date : XXXX XXXX & XXXX, 2021 ; XXXXXXXX XXXX XXXX date : XX/XX/2021, and XXXX XXXX date : XXXX XXXX, 2021 were properly investigated but how is that possible if these account only report on one credit bureau? This is clearly inaccurate which means it is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: OH

Complaint narrative:
I was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : 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. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.

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 2022-07-29 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: OH

Complaint narrative:
I was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : 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. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.

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 2022-07-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Income reported on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I attempt to rent a car from XXXXXXXX XXXX XXXX on XX/XX/2022, at XXXX, XXXX XXXX thru XXXX, An agent identified himself as XXXX and I told him I wanted to rent a car for XXXX XXXX XXXX, during the process, he asked if I had a credit card to hold the car 's reservation and I told him no I had a debit card, he stated a debit card won't work, but if I could purchase an American Express card from a XXXX XXXX XXXX, XXXX or XXXX, I told him I would have to call him back because I had to go to a store to purchase a credit card and he informed me he gets off work at XXXX : XXXX XXXX and he would hold the reservation and he would call me back. Around XXXX : XXXX XXXX he called me while I was at the store and asked if I had gotten the card I told him I was in line then with a Serve American Express card and he said great that would work and he wanted the card information off it and he told me the reservation confirmation number was XXXX. 
On XX/XX/2022, I realized He didn't tell me where to pick up the car I call him at XXXX and requested where to pick up the car and he said hold on and hung up. I then called the number on the back of the Serve American Express card and let them know what had happened and they asked me to email them a statement of what happened, copies of the receipt, front and back of the card, driver 's license and bar code of purchase I emailed it to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2022 an incoming wire for {$33000.00} was sent to our company 's ( XXXX XXXX ) checking account. As of XX/XX/2022, the incoming wire has not reflected on our bank account yet, we contacted Bank of America in regards to the transaction, the institution is holding the money with no specific reason and/or no turnaround time as to when these funds will be release, every time we call in, they do not say the reason why the funds are being held or give us any information whatsoever to why the funds are on hold. This is causing us to be late on payable transactions from our company and due to this money being held, payments due are accruing late fees

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 2022-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Ask my identity and address said I owed some ridiculous amount of money for a modem from my internet provider that I returned in the first place. I finally got the wrongful charge taken off of my credit report and even XXXX the internet provider called me and confirmed that I returned the router.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They ran my hard credit and lost the application or never processed it. 
They refuse to remove credit inquiry and was advised to file report.

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 2022-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recieved Voicemail : XX/XX/XXXX This message is for XXXX XXXX my name is XXXX XXXX which social services I've been instructed to contact you in regards to an active order of location that's being issued and filed against you through your county due to avoided contact they have instructed me to speak with your employer once the paperwork is submitted they will have to make a determination whether or not you're on the premises to avoid any further penalties you may contact the proceeding office XXXX file number a.m. XXXX this is your official legal notification XX/XX/XXXX Called back spoke with XXXX XXXX. Refused address or fax number. advised that this debt was originally from Citi XXXX I advised that this loan was purchased by XXXX XXXX in XXXX and that this was part of a XXXX  XXXX Bankruptcy in XXXX. 
Advised to speak with My Atty : XXXX XXXX. They advised that this was not cleared by Bankruptcy. I said it was on the schedule and was discharged XX/XX/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 explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: OH

Complaint narrative:
I have signed up for alerts on my Key Bank checking account. They are almost instantaneous. Deposit alert, large transaction alert, low balance alert, etc. The " Insufficient Funds '' alert arrives in my inbox two days after the event. This way the bank can maximize the overdraft fees. 

This specifically happened to me when my balance was not sufficient to cover a transaction on XX/XX/22. Even though I had deposited a personal check to increase my balance, I was unaware of the bank 's policy to place a hold on the portion of the deposit that is over {$100.00}. In fact, I received a misleading alert that a deposit in the amount of {$300.00} had been made to my account. The bank really should have a disclaimer on that alert saying that certain deposits may be held for amounts exceeding {$100.00}, but if they were transparent that could limit their chances to make millions or billions in overdraft fees. Just the fact that they place holds on local checks seems to be designed to create negative balances. 

On XX/XX/22, two days later, I received the alert to notify me that my account balance was insufficient. This is also by design. THIS SHOULD BE ILLEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We had one of our checks stolen from the postal service. It was fraudulently altered and deposited in an Ally Bank Account. The amount of the check was {$19000.00}. We believe it is too easy to digitally alter a check and digitally deposit a fraudulent check in a fraudulent internet bank account. Our checks have water marks, holograms and are on heat resistant paper. We try to make them very hard to deposit fraudulently. I further believe that internet banks who do not have bricks and mortar locations are accepting fraudulent checks out of necessity. They are taking a risk at my expense. I believe that Ally Bank is enabling the fraud through their week security system. In order for ally to deposit this check they had to have opened a fraudulent account for the deposit. Our bank is denying reimbursement for the stolen {$19000.00} because we did not realize the fraud had accrued soon enough. I do not think that it would have mattered if we notified them when it happened. I believe it was too late when it happened. How can this be our fault?

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express settled this account and agreed to remove all negative information. 
I believe its over 7 years old and XXXX still shows negative history and can't seem to update their records.

Company response to consumer: Closed with explanation