vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/2023 {$30.00} swept from child savings account in to personal account. Requested PNC bank to remove the overdraft feature from my child savings account XX/XX/2023 along with activating bill pay feature. Bill pay was resolve but the overdraft protection was not causing my childs savings account to deplete instead of denying transactions via personal checking. PNC Bank picks and chooses transactions they deny and sweep from childs savings account. I asked repeatedly to stop this feature and just to decline the transactions if there arent any funds in my personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2023 there were 32 unauthorized transactions made on my account totalling {$1600.00}. To date 2 of the unauthorized transactions have been approved and refunded totalling {$40.00}. However the other 30 transactions which occurred at the same time as the others have all been rejected. The merchant was also immediately contacted about the unauthorized transactions. Conveniently Chime has declined resolving my dispute the day prior to when they stated the temporary money would be placed back into my account until completely resolved. Chime as well as the merchant were both notified immediately of the unauthorized transactions and as stated 2 have been approved and resolved as they should have been. All transactions happened at the same time however now they are saying that only 2 were wrong. ALL 32 TRANSACTIONS WERE UNAUTHORIZED AND SHOULD HAVE BEEN RRFUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( Experian ) has violated my rights under 15 USC 1681 section 6 0 2 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. Under 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 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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover credit card services is a scam organization. I submitted an application fee of XXXX $ for a graduate school application. The university demanded XXXX $ more after they got the initial XXXX $ payment for processing the application further. This is like a honeybait scam the university is trying to do. I emailed the university and asked them that I don't need to study at such a university if they have no ethics, and politely redacted my application. There was XXXX service availed by me at this university. I paid the university fee using my Discover credit card. This scammy credit card company first resolved the dispute in my favor. But the sheer audacity of this company is that it tried to sneak in the fee 1 month later under " chargeback repost. '' If I searched the university name in my transactions, it appears that the credit card was not charged, since there is a refund. But, there is an additional XXXX $ titled chargeback repost that does not show up when I search using university name. This is how Discover operates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: AZ

Complaint narrative:
I have exhausted all Attempts with Equifax to have my Credit File Corrected. Equifax continues to Report Incorrect/Impermissible information on my credit report that are Repeated Clear Violations of Federal Consumer Law. The Following account is Reporting Incorrect showing a Balance Due of : {$20000.00} and notates Late Payments that are Not Permissible under Consumer Law " 15 USC 1666 Permissible Purpose. 

XXXX XXXX XXXX XXXX acct # XXXX ( joint acct : XXXX XXXX XXXX ( Past Due Balance ; {$20000.00} Notates Late Payments ) This account is for an Auto Loan of our : XXXX XXXX XXXX XXXX XXXX XXXX This Auto loan with XXXX XXXX XXXX XXXXXXXX was Paid Off in Full on XX/XX/XXXX and We were issued our Clear Title on XX/XX/XXXX. Attached are Documents Clearly and Undisputable supporting the Dispute of Incorrect/Impermissible Reporting by Equifax. Equifax has continuously committed Fraudulent " Said Investigations '' and Repeatedly denies the Dispute and continues to Violate my Consumer Rights by reporting " Account VERFIED/VALIDATED/CERTIFIED to BE FACTUAL and CORRECT '' I urge CFPB top Enforce my Consumer Rights and Protect me the Consumer from Equifax 's continuous Violations of Federal Law and Reporting of Incorrect/Impermissible Reporting of account information Attached are Supporting Documentation of Above accounts and Also Identification Document to Verify who to Avoid Fraudulent Response by Equifax as Filed in CFPB Complaint XXXX XXXX which contains Proof of Equifax 's Fraudulent Previous Responses of " We were Unable to Locate your Credit File '' -Also see attached Equifax Credit File Report Sent which Identifies me via Equifax Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: TX

Complaint narrative:
Hello GLA Collection Company, This message is in response to an itemized list you provided. I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not RECALL giving permission to GLA Collection Company access to my PRIVATE HEALTH INFORMATION. The form you provided does NOT include my signature and consent to release private health information. This is a violation that allows me to seek damages. I expect GLA Collection Company to be removed from my credit report with all 3 agencies ( XXXX, XXXX, XXXX ). All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NY

Complaint narrative:
In accordance 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 States : 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 2023-02-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 States : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NV

Complaint narrative:
As of XX/XX/XXXX u own lease has submitted duplicate claims on my report for the same debt of {$2000.00} This is incorrect information. 
Please review and delete both accts as this is not legal to do.

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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was surprised to receive a " tax deliquent '' notice on XX/XX/XXXX from my township regarding my quarterly property tax payment due XXXX. My property tax is held in escrow and paid by Bank of America. 

I called my local property tax office only to learn that Bank of America had paid the tax late. 

Bank of America deducted the property tax amount from my escrow account at its usual time ( XX/XX/XXXX ). I suspect that this is a scheme by the bank to manipulate their cash flows. This is directly damaging to the financial health of the community that I live in, and causes unnecessary stress to me. It is also typical that BofA would not communicate any information about the situation to me, in order to leave me in that uncertain and stressful situation of wondering whether I needed to come up with another quarterly tax payment post haste. 

The last time that Bank of America played with the timing of my property tax a few years ago, it resulted in only three payments being made during one calendar year instead of four, and had an impact on the deduction I could take on my income tax and hence my refund.

Then, as now, I objected to the fact that an untrustworthy financial institution has claimed the ability to pay my property tax by virtue of holding the mortgage on my house. I wanted to be able to pay the property tax myself, without the Bank of America escrow account, but was told this was not possible. I would like to see regulation that liberates home owners from this risk. I would also like to see regulation that makes Bank of America and others more responsible for their behavior.

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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acrisure Mortgage Partners, LLC
State: SC

Complaint narrative:
The loan requirements kept changing. I was told I needed to buy down my rates to qualify after being told initially that I was definitely pre-qualified. I went from having money in hand after the sale of my house to somehow owing {$2700.00} at closing. This was never communicated to me until the night before closing.

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 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Sent correspondence to company that the debt was paid and not owed they sent a letter stating that they would respond and haven't.

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 2023-02-27 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: IL

Complaint narrative:
In accordance 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 # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX 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 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. 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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Fraudulent collection account reporting on my personal credit report is damaging my name and credit. 
{$960.00} amount XXXX account number date opened XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: WA

Complaint narrative:
I received no notification of debt from the collection agency. I received no phone calls from collection agency. I received no email from the collection agency. I received no statement, phone call or email from the original creditor with regard to sending to a collection agency for collection. Further, my credit monitoring services showed no unpaid or outstanding amounts owed to anyone in the past year. 

In short, until the collection agency notified the credit bureaus of a collection, there was no prior communication or prior indication of a debt owed. How can you be responsible for not responding to a debt owed when no debt has been filed or claimed, nor notification by letter, email or phone has been received?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$510.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/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 2023-02-27 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This is not my account never used applied or know what card this is fraud called close remove it never opened this ruin my credit I want off my report please XXXX not right no authorization on there I didnt not apply or open please remove Ive disputed several times called try pay off fake amount this fraud and stealing money I have no idea who XXXX XXXX is thank you please remove Im trying refinance my house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a checking account with Capital One Bank. I went into the bank on XX/XX/2023 to withdraw money. The teller at the bank said that because I am transferring money from my XXXX into my personal checking account that they may make me open up a business banking account. My XXXX is for my business which is a sole proprietorship as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She let me withdraw the money and I went on my normal day. This past Friday on XX/XX/2023 I went to withdraw money again and she said that they are not going to let me withdraw money from the checking account. She said they're making me open up a business banking account and move everything over to that. She was on the phone for about 45 minutes waiting for an answer from corporate. While she was doing that I sent her my sole proprietorship documents and waited. After a while I just told her to don't worry about it but I will wait until they open up the business checking account and then withdraw money at that point So I asked her when I could set this up to get a business banking account opened and she said the earliest that they had was on Wednesday at XXXX in the afternoon. So I told her to put me down for that and I would come in to open up a business checking account. That evening I went to go use my card to get gas and food, I found out that they Froze my account. I called corporate to see what was going on and they said because it's against their policies they locked my account down and they said that they would have to review it within 5 to 7 business days. I told him that this was my only checking account my only access the money and then I had to get medication for my XXXX this weekend and I needed some sort of available funds to be able to live off of and they said that they could not do anything for me. I resent them my corporation box and everything they asked for and they just told me that they would take 5 to 7 business days to decide what they wanted to do. As I did more research I came to found out that it's frowned upon but not illegal to deposit a sole proprietorship money into a personal checking account. I went in on Saturday, XX/XX/2023 asking to close my account with them and for them to release my funds to me and they told me that they could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2023 I attempted to deposit {$500.00} in my checking account via ATM which then took my money spit out my card and proceeded to say that it was not accepting cash deposits without giving me a receipt or posting the transaction. I called and made a claim and now they are saying I have to wait 10 days for the funds! I needed that money to pay my bills and now my phone is going to get shut off along with my electricity!!! I demand to have my funds available in my account now!

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