vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This credit card automatically enrolls customers in a Security Fee, that is 1.66 % of each monthly statement. The paperwork for this card, and their website, both do not mention that customers are automatically enrolled ; they instead call this an optional fee. I have read through my paperwork from when I activated this card in detail, and there is no mention of this fee being something customers are automatically enrolled into ; instead, it is called an " optional '' fee. I only noticed because I was being charged a " security card '' fee each month. It seems all users are automatically enrolled, as I have found comments of others ' complaints on online forums. 

For example, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' the amount of {$11.00} ; on XX/XX/2022, I was charged {$17.00} ; and on XX/XX/2022, I was charged {$34.00}. 

I believe this is deceptive, and it is not fair for them to automatically enroll us in a paid service and charge us fees without our consent and without customers ' prior notification. The only way to gain knowledge this is to be charged. The only way to waive enrollment in this fee and " service '' is by calling them ; there is no way to do so on their website. Their customer service makes it very difficult to drop this " service, '' as they transfer you to multiple other numbers, with long wait times. They also refuse refunds for fees recently paid.

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 2022-10-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-17 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
After closing my account and paying the total stated balance in full with a verbal and written confirmation stating, you have no further financial obligation to us, the CC company still is herassing me for a charge that was posted XXXX weeks before I closed the account. They failed to disclose a {$26.00} charge to me when i closed my account and lied to me and said that I owe {$0.00} dollars then 1 month later are now adding more charged onto the account. 
I have spend numerous hours on the phone and stressed out and they just dont care to help me or admit theyre at fault. Please help. Thanks

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 2022-10-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have an {$0.00} balance XXXXXXXX XXXX reporting on my credit report as negative, including an {$0.00} balance for XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX thats been paid off with an {$0.00} balance for over an year now but its still showing up in collections. I also have an auto loan from XXXX XXXX thats been paid off since XX/XX/2022 and its still reporting as if its still a current lease.. I also have a few inquiries that showing up multiple times with different dates on them as well

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
in XXXX i ended my service with XXXX. In XXXX they said and they being XXXX  i could pay XXXX per month cause i did not want to damage my credit. so in XXXX and XXXX and XXXX. XXXX took out XXXX per month on a bankdraft. Then last night i got a alert that XXXX  sent my credit in to bureau for XXXX. I called XXXX  and they said it was due to early termination nut i was a customer for 4 years then they told me that it was the people they use for collection called recievable maanagment that took the payments and set up arrangment so i called them and they said they sent me a letter. They together have lied and made false claims i was trying to do the right thing and make payments and now they made up this claim about another fee which is not true. I am a XXXX  mother with XXXX XXXX  children i live on XXXX alone .They are scamming money from me after i already paid them my credit is ruined now and dropped XXXX poinst because of this and then they told me if i would start my service back with them it would go away. That is XXXX XXXX  thank you XXXX XXXX my XXXX  account number is XXXX and my Recievable performance account number is XXXX my phone number is 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 2022-10-17 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:
I have noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on XXXX XXXX  XXXX XXXX XX/XX/22 SXXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 Reporting on Equifax 1 XXXX XX/XX/22 2XXXX XXXX  XX/XX/22 3 XXXX XXXX XXXXXX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MD

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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I admittedly hadnt used the account in some time but expected to of at least of been notified in some way if there was an issue with the account. I call today to have it closed and I was told the bank already closed it with a negative balance I asked if it was reported was told Id have to be transferred. After being on hold for almost 30 min I was sent to XXXX who was very rude and said even though I was already verified in the IVR he had to also verify me by asking for information the bank doesnt have. He was unwilling to reason and said he has flagged my account so no one will help me over the phone. I am XXXX and unable to do so. He mad mentioned that he doesnt care of the implications and welcomes the CFPB complaint. Its unreasonable to require a person to verify again and in a different manner then everyone else as XXXX said he was just doing it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I had an account with Credit Acceptance. I paid off the loan in full in the amount of around {$3000.00} back in XXXX of XXXX regards to a settlement offer. They are still reporting me as over 180 days plus late on my credit. I need this inaccurate information removed from all 3 credit bureaus. I have receipts showing that this account has been paid in full.

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 2022-10-17 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX this is not my account

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 2022-10-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX this is not my account

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 2022-10-17 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. The List of accounts below has Violated my Federally protected comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX Bank ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX SXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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 2022-10-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, these accounts have been " VERIFIED. ". Under 15USC 1681 Experian has violated my rights for fair reporting. Accounts listed below are shown as reporting accurate and are not. I have attached a copy of my credit report showing the inaccuracies of the proposed verified accounts. Under 15USC article 1681, this creditor MUST remove the accounts Listed below as they are in violation. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-17 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-10-17 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to Chase Bank to withdraw money that had been released from a electronic deposit from my external checking account I was asked to show two forms of ID to get the money I did that..So assistant bank management got the money from a teller brought it to the desk at her office and then tells me she changed her mind and was not going to give it to me because she felt like a XXXX  guy looking like me should not be receiving a check that big ... she verified with my external bank who had sent the deposit that the funds were available for me to withdraw it... I called & made a complaint she contacted me and said if I would drop the complaint she would release my funds immediately but if I didn't she would close my account after stateing that I would not drop my claim she closed my account and still has not sent me my money that was in the account when she closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
According to your site information on the type of transaction taken unauthorized by me on my debit card checking and savings account through Chase bank, your site identifies the problem as phishing. The individuals had a fake XXXX web page set up with a XXXX toll number for XXXX customer service XXXX I contacted the number and they immediately asked me if I had XXXX account or XXXX account. I said yes, and before I could request what I needed done they had me sending a small amount to my daughter through XXXX to see if my account was active. Then they asked me to send to someone they knew a small amount to see if I was sending correctly I guess? XXXX 's account information was attached along with the transaction information to this complaint. Once this was done I began to realize this was looking like something illegal and hung up my cell phone. I immediately called.my.bank and asked them to close my account which at that point nothing had occurred or was showing on my account. The next morning there was activity that had happened and {$490.00} dollars had been sent to the individual whose name and account information I was given and still have registered on my account. I contacted my bank and they said they're not responsible for the transaction because I was scammed. I asked if they could close my checking account and the said we stopped your debit card they shouldn't be able to access your checking account because you didn't give them your account number. Well that same day another transaction occurred this time for {$1500.00} dollars and then again for approximately {$490.00} dollars. I have screen shots of these transactions. Chase doesn't think they're responsible and will not help me recover the funds that were illegally removed from my account. This doesn't seem right because they told me they couldn't access my checking account even after they cut my debit card which is all I gave these crooks to work with and my XXXX and XXXX accounts. Can you help me with this issue? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Over the summer, Equifax was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as Equifax has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : Equifax, XXXX and XXXX. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.

Company response to consumer: Closed with explanation