vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
In Late XXXX, I started learning about credit which made me check my personal credit. When I checked, I seen a fraudulent account from XXXX that was then sent to Credit Collection Services, which is a collection agency. I let them know they were in violation many times. Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability for willful noncompliance [ 15 U.S.C.1681n ]

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: VA

Complaint narrative:
I submitted a letter to the TransUnion XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-31 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: VA

Complaint narrative:
I submitted a letter to the Experian XX/XX/XXXXXXXX  to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
BACK IN XXXX I RECEIVED A LETTER FROM USAA BANK SAYING THAT I HAD APPLIED FOR A CREDIT CARD WITH THEM AND IT WAS DENIED. I IMMEDIATELY CALLED THEM ON XX/XX/XXXX TO LET THEM KNOW I DID NOT APPLY FOR THE CARD AND I HAVE NEVER BEEN IN THE MILITARY. THEY SAID THEY WOULD FLAG THIS ACCOUNT SO NO CHARGES COULD BE MADE. I THEN CALLED ALL 3 CREDIT BUREAUS TO PUT A FREEZE ON MY ACCOUNTS SO NO ONE WOULD BE ABLE TO APPLY FOR CREDIT UNLESS I CALL THEM MYSELF. TWO DAYS AGO I SAW MY FICO SCORE DROPPED IMMENSELY. UPON PULLING UP MY CREDIT REPORT I FOUND SOMEONE HAD OPENED A CREDIT CARD ( USAA ) USING MY INFORMATION. I NEVER APPLIED FOR OR OPENED THIS CARD AND I WAS TOLD THIS ACCOUNT WAS FLAGGED BACK IN XXXX. I CALLED USAA BANK TODAY ( XX/XX/XXXX ), SPOKE TO XXXX XXXX, AND SHE SAID THAT I WILL NOT BE RESPONSIBLE FOR THE {$25000.00} CHARGES ON THIS CARD AND THEY WILL LET THE CREDIT BUREAUS KNOW THAT THESE CHARGES ARE FRAUDULENT. HOPEFULLY MY CREDIT SCORE WILL BE RESTORED PROMPTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: WA

Complaint narrative:
Unauthorized credit inquiries on my report. XXXXfrom Mercedes Benz of XXXX . It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
We purchase tickets from known website online seller name XXXX, We purchase international flights going to XXXX thru XXXX XXXX XXXX, due to the COVID-19 pandemic the original flights was move re-schedule dates because of the closing of the border requirements to the country were going in. We pay them also for the additional flights, make the story short XXXX XXXX suggested to cancel the flights because of the cancellation of some of connecting flights and there is significant change in XXXX flights from XXXX flights XXXX way it make total of XXXX flights just XXXX way very significant change in flights so the airlines suggested just to cancel the whole flights. We called the XXXX customer service several times requesting for a refund spending so many hours waiting for there response we call back and fort with out results. 
Per DOT RULES If the flights was cancel they have to pay with in 10 days and thatwas not the case and did NOT happened. they hostage our payments, We need that money to purchase again to other airlines but months past by no refund was made they shut off there communication no email no call from them they are hard when its time for refund. 
We don't have no choice but to go dispute the charges to the credit card company apple card, but the results they did not refund the whole amount of the purchase tickets, cheaptickets wants as to pay {$1200.00} in total even we did set single foot in the airplane or in the airport, because they said the additional flights was add on its not cancelable, but it was part of the XXXX it was not purchase separately, when the airline cancel the whole flights everything follows the whole I.T flights is cancel. They should refund the whole amount of the flights as we requesting and per DOT rules they should refund in 10 days., The XXXX XXXX customer service suggested not to do business with them again because they cant help as on refunds, If it was them they will refund instanlly with out delay but but was thru cheaptickes.com We contacted card service explain to them what happened look like they sided on merchant explanation rules, In the first place we didn't NOT requesting flight to be cancel it was the airlines made significant changes on the XXXX and connecting flights is really canceled so there no sense that we will still be on that flights. 

We will not pay XXXX we even not singled foot in the airplane or in the airport what for were going to pay that amount. Its not fair for middle class family savings for vacation and pay them this amount for nothing cancel flights. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I believe this company is keeping unnecessary balances on your purchases just to collect interest. I made a purchase on XX/XX/XXXX {$50.00} and still had a balance of {$6.00} on XX/XX/XXXX. On XX/XX/XXXX I had a purchase of {$23.00} and on XX/XX/XXXX I still had a balance of {$1.00}. I have others also. I don't understand how they can do this. I really feel it is so they can continue to charge interest. I feel this is a fraudulent act. They are ripping people off. A lot of times when you look at your bill on line you don't see these charges. I think people should be made aware of this and check their bills closely .Look under promotional purchases. You can't see them all but you will find some.

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inquires on my report that do not belong to me, and I want them removed 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 2022-05-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I received two fraudulent charges of {$100.00} and {$70.00} from a vendor called XXXX XXXX XXXX from XXXX. 

I notified Wells fargo and the denied my claim.I had asked them to send me proof on what they used to base their decision. 

All they sent to me is a copy of the electronic transaction.They did no review any receipts or could even tell me what was purchased since I do not even know what was purchased. 

They stated since card can not be duplicated then it had to be me or someone with my permission that made the charges. 

I think it's very unfair for a bank to assumea consumer made charges with out any real proof.

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
Card was mailed on XX/XX/2022. As of XX/XX/2022, I had not received card. I called and spoke with a rep who advised of a reissue. It is now XX/XX/XXXX, and I have still not received a replacement card. I now have a statement with a {$39.00} fee due, that they will not waive, although I have no active account. Only resolution I am receiving is to be issued another card with a 10-15 day wait. I am being told the reissue can not be expedited. This is absolutely unacceptable and a poor way to begin business with the organization. How am I responsible for paying fees on a card that I have never received nor activated? I feel like I am being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Netspend Corporation
State: WI

Complaint narrative:
I loaded {$200.00} or {$300.00} onto a Netspend card at XXXX in XXXX of XXXX. ( I do not have the receipt any longer and the card was misplaced until I found it last week. I talked to two different representatives yesterday and neither would tell me the exact amount that I loaded. ) I went online to activate the card and start using it yesterday. I received a message that I had to call an XXXX number. The first representative did not provide me with adequate service, telling me that the card was " expired ''. You will see on the card that it has an exp date of XX/XX/XXXX. So I asked for a XXXX. That individual told me that the balance was {$86.00}. I have not used the card for ANY purchases. He promised to " see what we could do '' and put me on hold. After ten or so minutes, I went back into the queue. I called back and was told that it was a temporary card. Nowhere on this card, or in the fine print does it indicate that it is a temporary card. This lady tells me that a new card can be issued for the {$86.00} balance, and proceeds to ask me personal identifying information. I never submitted my name when I purchased ( put money on the card ). I told her that I was uncomfortable with providing this information. She mentioned the XXXX XXXX... I went ahead with it because this is MY MONEY. They stole the balance of my money. I understand a small administrative fee for transactions, but I did not make any purchases.

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 2022-05-31 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: IN

Complaint narrative:
XXXX XXXX XXXX  in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove from my credit 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 non-monetary relief
Consumer complaint received 2022-05-31 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: IN

Complaint narrative:
XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX  in the amount of {$510.00} don't belong to me please remove from my credit 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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On Friday XXXX XXXX, 2022, I reviewed my credit report with Equifax Credit Bureau and discovered a HARD credit inquiry on my regarding my XXXX, XXXX XXXX account . I spoke with XXXX XXXX customer service and apparently someone logged in ONLINE and created a hard inquiry on my report. This has been reported as FRAUD on the account. However, I want the HARD Inquiry removed immediately as I am in the process of buying a home and this negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: SC

Complaint narrative:
I am writing this here with XXXX XXXX XXXX on his behalf. XXXX XXXX was recently released from a period of incarceration. Early in his incarceration, he sent a letter to NetSpend dated XX/XX/XXXX alerting the company that his debit card was released to a third party with the rest of his belongings and asked for the card to be blocked, as it was compromised. In a letter dated XX/XX/XXXX, NetSpend told XXXX XXXX that his request had been received and that his card was blocked until such a time as he reinstated the account. XXXX XXXX did not grant any person a Power of Attorney to interact with NetSpend and reactivate the card. 

Upon XXXX XXXX XXXX, he attempted to reinstate his card and access the funds. The day after his release, XX/XX/XXXX, XXXX XXXX became aware of {$5000.00} in charges made between XX/XX/XXXX and early XXXX of XXXX. 

Furthermore, NetSpend has confirmed XXXX XXXX had {$5600.00} after the fraudulent charges had been deducted from XXXX XXXX account and has told him several times a check has been distributed to his address. However, when the check does not arrive, XXXX XXXX contacts NetSpend again and they tell him no check was ever sent. They have been holding that they need proof of residency in the form of a utility bill. XXXX XXXX is recently released from prison and does not have an address of his own where he pays utilities in his name. He has provided letters from the SSA, from our office at Legal Services, and from his other bank stating his current address at a friend 's house and our office at Legal Services has offered to receive the check and/or send in a notarized statement from XXXX XXXX authorizing that, but NetSpend will not disburse the check without a utility bill despite offers of many other alternatives and will not release their policy about proof of residency -- which seems patently unreasonable given the number of underbanked clients they have and clients in similar situations without utilities in their own names. 

NetSpend will not allow XXXX XXXX to authorize me to talk to them on his behalf and will not allow XXXX XXXX to talk to them with me on speakerphone in the same room despite XXXX XXXX 's express desire his attorney be aware of NetSpend 's position. XXXX XXXX and I have called NetSpend diligently, including 5 hours on Thursday, and we are repeatedly hung up on or placed on hold until the line disconnects. There is no person we have been able to speak to who is authorized to solve the problem, and NetSpend has said they will contact corporate to reach out in the next 48 hours. However, corporate never reaches out and they can not be contacted directly.

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 2022-05-31 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: FL

Complaint narrative:
I received a letter from Verisk Financial ( LCI ) dated XX/XX/22. In the letter, LCI stated that they provided TransUnion with information from a " Public Record ''. Under the FCRA, a furnisher is obligated to ensure that accuracy of the information reported. In this case the furnisher is The " United States Bankruptcy XXXX XXXX XXXX XXXX Florida ''. I have not given LCI permission to use my " Personal Information '' which is not " Public Records '' to transfer, report or use in any transaction related to my consumer report. LCI has violated 15 U.S. Code 1681b ( 2 ) and therefore must remove any records related to this matter. In addition, LCI has also violated 15 U.S. Code 1681i, which requires that a furnisher verifies the accuracy of a reporting account. I have attached a letter from the US Bankruptcy Court in which the Deputy Clerk certifies that " The court does not report any filings to credit agencies ''. This is clear evidence that TransUnion or LCI has not contacted the furnisher for proper verification and therefore this record must be deleted. In a letter dated XX/XX/22, XXXX XXXX of TransUnion admitted to using ( XXXX  ) to verify this record, which again is a violation of 15 U.S. Code 1681i as PACER is not the furnisher of this record and does verify the accuracy of the record. I have not given TransUnion permission to use my " Personal Information '' such as my " Social Security Number ''.

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