vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Double Charge Incident- XXXX XXXX XXXX XXXX XXXX, XXXX Truist Bank accepted a check and withdrew the funds for the same check twice, once in XXXX, and the second time in XXXX. It appears that one of our vendors presented the check twice ( once by phone, once in person ). The check was invalid the second time due to being 8 months old and should never have been honored. Here are the details We contracted with client for a {$5000.00} appearance fee. 
o Payment 1 was made by check XXXX and was posted in our account on XX/XX/22 for {$2500.00} o Payment 2 was delivered in person to client, check # XXXX for {$2500.00} and was posted on XX/XX/22. 
o This was the final payment for our contract o Check XXXX was presented again a second time in XXXX and was posted on our account XX/XX/22. 
We did not notice this transaction at first because it appeared to be a check we issued. Upon a final end of year accounting wrap up, we discovered that the check was deposited a second time. 
We notified our local branch XX/XX/XXXX, and receive a voice mail back indicating that the funds would be deposited within 48 hours. 
We had a call the next day indicating that the payment might take 90 days to process. 
We discussed with the branch manager on or about XX/XX/XXXX and were told it would take 48 hours but it would be taken care of. 
We were informed XX/XX/XXXX that XXXX XXXX XXXX is rejecting the refund because it is after 6 months. 
We notified the Truist branch XX/XX/XXXX, and the statement date is XXXX XXXX. This is less than 6 months. 

Due to some severe family situations, it did take a bit longer for us to catch this. It was not caught the first time through the statements, because it appeard that it was a valid check. It was not until our final audit that we caught this. We have asked repeatedly for Truist to credit our account and work it out on the other end with our vendors bank. We have reached out to our vendor who claims she did not make the deposit a second time, even though we have provided copies of the deposit. 
There were two reasons the check should have been stopped before it was withdrawn from my account. The first was the duplicate check # and duplicate payee and duplicate date of the check. The second is that the check was a stale and expired check. We simply want our money back from this error on the banks part.

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX Eastern, I received 3 emails regarding information that had been updated on 3 Synchrony accounts ( American Eagle, Score Rewards/Dick 's Sporting Goods and Verizon ) XXXX These emails indicated my phone number had been updated on these 3 accounts. I did not make any account information changes. Around XXXX XXXX Eastern, I called customer service for American Eagle card and spoke to an offshore representative named XXXX ( Extension XXXX ). He indicated there was not a phone number on file for my AE account and added the number provided. He also checked the other 2 Synchrony accounts listed and informed me there was not a phone number listed on either account. He also added this number. There have not been any suspicious transactions on these accounts. He was unable to provide any information about the emails other than they may be a phishing attempt. He was unable to confirm the email from which they were sent ( XXXX ). 

I informed XXXX that when attempting to edit personal information via my AE credit card account profile, it was prompting a one-time passcode be sent to one of three phone numbers ending in XXXX, XXXX or XXXX, none of which are my phone numbers. He was unable to provide an explanation and transferred the call to another department, where I was unable to speak with a representatives. I have since noticed the Score Rewards and Verizon accounts are prompting passcodes to be sent to these same numbers when attempting to edit personal information via those accounts. I am concerned about privacy and information being compromised. Synchrony needs to provide an explanation about why 3 accounts are prompting passcodes to be sent to number which are not mine.

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 2023-06-11 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists. I have no open account with this company. Remove off my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scratch Financial, Inc.
State: GA

Complaint narrative:
I was offered to use XXXX XXXX to pay for an emergency veterinary visit. The amount was minimal, so when I tried to pay it off the next month, the system only allowed me to make a set payment of {$2.00} per month and to be paid with a credit card, not my debit card or checking account. I did this because I didn't have the patience or time to call customer service. I figured, how is this going to hurt my credit...? Finally, I decided to close the account once and for all, so I called customer service, and I felt the rep on the phone was stalling me and purposely did not want me to close the account. Now I think it is evident that this company deliberately wants to put derogatory occurrences, such as 'lates ' on my credit report to lower my score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am a XXXX XXXX, who is going through financial hardships, The amount reported to collection is {$1700.00}, as it was opened XX/XX/2022. I have reached out to the company to resolve the situation but we could not reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: Continental Finance Company, LLC
State: KY

Complaint narrative:
I have tried to resolve my issues with Continental Finance Company concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.

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 2023-06-11 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: Heritage Financial Group, Inc.
State: KY

Complaint narrative:
I have tried to resolve my issues with Heritage Acceptance Corporation # XXXX concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal.com closed my account but refuses to give specific reason. No ability to appeal. I have no idea what I did or what part of their terms I allegedly violated. 

" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for credit with American Express. The letter of denial stated that one of the reasons for denial was too many credit inquiries. American Express pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. AMEX  on XX/XX/XXXX 2. AMEX on XX/XX/XXXX 3. AMEX  on XX/XX/XXXX The only authorized AMEX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXX on XXXXXX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called AMEX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called XXXX XXXX XXXX  they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by Capital One NA on XXXXXX/XX/XXXX. Here, I was signed into my existing Capital One credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called Capital One NA, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX of SSN # XXXX Attention : Fraud Department Experian XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, The fraudulent account in question is listed directly below. 

XXXX XXXX XXXX Account # XXXX I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX Account # XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )

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 2023-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXXXXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account 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 2023-06-11 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I sent written correspondence to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, MA XXXX ( address as identified on my Credit Report at that time ) disputing the debt and requesting verification of the debt. I additionally provided the company with an offer of resolution of the debt. In XX/XX/2023, I additionally submitted a dispute of the debt with XXXX. The company verified the debt with XXXX almost immediately, but the company has yet to respond to my dispute and request for verification of the debt owed or respond to my offer of resolution. I have requested all correspondence in writing and have received no correspondence from the company since my attempt to resolve this debt collection and dispute. The original creditor is attempting to collect on a charges that were created and established after the account was closed and the policy was cancelled. I am disputing the charges and dates of charges and requesting the company provide me with a detail and itemized listing of charges from the creditor and respond accordingly to my request for debt verification or delete the account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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