vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: U.S. BANCORP
State: WA

Complaint narrative:
Checked my checking account balance with XXXX and noticed 2 ACH withdrawals were made, one on XX/XX/XXXX and one on XX/XX/XXXX for the same amount. Only one was authorized. XXXX put that amount of money back into my account and has since reached out to XXXX XXXX  to recoup that amount. XXXX XXXX returned only one withdrawal, they claim to having no other ACH request, so XXXX XXXX used my reserve money to pay my mortgage, however I am still out the second ACH withdrawal. Neither bank is willing to help me recoup {$1600.00}. XXXX states they have proof that the request was made by XXXX XXXX  and that both ACH withdrawals were received. XXXX XXXX states they show no other XXXX withdrawal except for the one they returned to XXXX. So for 8 hours, 4 of those hours were spent driving back and forth between banks the last 4 hour spent between both banks being passed off to different departments who couldn't and wouldn't help yesterday I went back and forth with both Banking institutions and neither will help me recoup my money. Both banks want the other to investigate, and I just want my money. I am exhausted, I have done my due diligence and now I want the institutions to do the same.

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 2024-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Apparently, on XX/XX/XXXX they sent to my email and regular mail addresses a notification stating they were decreasing my credit line and explaining the reasons why that decision was made. However, I haven't received that letter to this day on email or a physical copy. Also, after my decrease in credit line they have been taking more than a week after each payment to reflect it in the account even though the payment gets deducted from my bank acc with in 2 or maybe 3 business days. The latest payment ( {$120.00} ) hasn't been posted yet even though I made the payment on XX/XX/XXXX ( Tuesday ), they decided to take the money from my acc on a FRIDAY to have me wait over a week to see changes in my acc. Usually before these issues, the payment would get posted and reflected in the CC acc the same day the deduction in my Banck Acc was made. I have reached customer service 3 times and this last time they were " unable '' to update the balance even though they have the money already. I want quick updates on my balance because, I stated to them via a phone call and chats, I am closing that XXXX XXXX. Synchrony Bank can eat dirt for all I care. Terrible bank. They are messing around with my credit score at this point, and I am not going with it. I also pay for the hardship plan they have for customers if they happen to not be able to pay off their credit card, they didn't even try to contact me and give me a change to use it. Even though I struggled financially last XXXX, I still made 100 % of my payments and they do this. I will appreciate if I can get the proper help for them to be more diligent on their end an let me finish pay off that awful XXXX XXXX  and close that terrible acc.

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 2024-07-06 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-06 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Summary : Mr. Cooper made a large, unnecessary, and unauthorized payment from my escrow account in excess of amounts required and recasted my mortgage payments. 

On XX/XX/XXXX Mr. Cooper became my new mortgage servicer. 

In late XXXX, I received a notice from the XXXX XXXX tax collector, notifying me that as of XX/XX/XXXX there was a delinquent tax of {$2500.00}. 

On XX/XX/XXXX I sent a scanned copy of the notice to Mr. Cooper 's tax processor and received an automated response to wait 8 business days. 

On XX/XX/XXXX I contacted Mr. Cooper customer service via chat and was told they had created a request and to wait 3 business days. 

On XX/XX/XXXX I contacted Mr. Cooper customer service via chat and was told the original request was never created and they would create the request then. 

On XX/XX/XXXX Mr. Cooper correctly payed the due tax of {$2500.00} and noted that the next payment was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX Mr. Cooper incorrectly payed {$10000.00} to XXXX XXXX, leaving my escrow balance in the negative. 

On XX/XX/XXXX I read the notification and immediately contacted Mr. Cooper via secure message and received an automated response. 

On XX/XX/XXXX I received a response that the Research team would need to review further for 7 days and the secure messaging system was changed to 'read only '. 

On XX/XX/XXXX I received an escrow statement noting both the correct and incorrect payments with a notice that they would be increasing my monthly mortgage payment by over {$1000.00} ( a 28.5 % increase ) on XX/XX/XXXX due to the unauthorized overpayment of taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kikoff Inc.
State: CA

Complaint narrative:
I called and agent name XXXX from kickoff lending told me once the my money order receive they will request to all XXXX credit bureaus to delete it. 
I recorded the conversation and they deceive me and not doing what they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My information is illegally being shared without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Notice Of Dispute : This is in reference to Account # XXXX This is my 4th attempt contacting Midland and they have refused to provide the validation letter per 15 USC 1692g ( a ) after I have explicitly told them I have never received this letter. Attached are responses directly from Midland to the CFPB and nowhere do they provide the Validation letter with the tracking number for proof of delivery with 5 days of initial communication. I am demanding deletion of account # XXXX from all credit reporting agencies immediately, as they have violated their requirement to be in compliance with the FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with 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 name : XXXX XXXX XXXX Account number : XXXX, Date opened XXXX XXXX, XXXX. 
XXXX name XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

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

15 U.S.C 1681 section 604A 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with 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 name : XXXX XXXX XXXX, Account number : XXXX, Date opened XXXX XXXX, XXXX. 
XXXX name XXXX XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

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

15 U.S.C 1681 section 604A 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Had been receiving emails from Chime in my XXXX account which I had not opened and deleted. Today, I received a Chime " welcome to the Chime family '' debit XXXX card to our home address. I called to try to understand how this account was created and was not able to get an answer. The fraud line provided by Chime did not tell me if there are charges on the account. They sent me an email saying the " we regret to inform you that we have made the decision to end our relationship with you ''. When I said this is a wrong email and that the " Relationship '' was created without my authorization, they sent me a second email asking for my last 4 digits of SS # and proof of ID theft claim... 
I think this is a strange company, randomly opening accounts. I do not believe this is identity theft as I HAVE THE CARD in my hand and it came to MY ADDRESS. 
Please help me understand what next step is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit 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: KS

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I receive a text stating, " Discover, did you attempt to spend {$950.00} at XXXX, XXXX TX? Reply YES or NO.or 1 to decline text messages '' I replied no. The response was " Thanks An agent will be Contacting you shortly. 

Shortly later, I receive a call from a male who stated he was a Discover agent. He asked about the above purchase, and I said that I did not make any purchases at XXXX. He replied that he will send me a code to " void the purchase. '' At XXXX PM, I receive a text stating " Please enter code XXXX to use your Discover card in XXXX XXXX. '' I clearly did not read the text message well at all as I thought I was entering in a code to void the purchase. 

At XXXX PM, I get another text message : " Discover : We just declined {$200.00} at XXXX XXXX. Do you recognize this transaction? '' I replied, " yes '' that I recognized it as I was still on the phone with the discover impersonator, whom I thought was Discover. By saying yes, I was saying " yes I recognize this as the fraudulent charge. '' I was NOT saying that I made the purchase. 

At XXXX PM, I receive another text message " DISCOVER B/K : Did you attempt a {$200.00} at OFFICE-MAX on XX/XX/XXXX? '' I replied " N '' and the response was " Thanks for confirming activity your account has been placed on restriction an agent will contact you shortly. '' I feel incredibly stupid but I fell for a scam. I was at work and was busy and I let my guard down. I thought I was on the phone with a Discover agent who asked me to enter a code to void the purchase ; instead, I gave permission for my card to be used in XXXX XXXX. I then told Discover that I recognized the purchase, though I was saying " yes I recognize it, this is the fraudulent charge! '' In response to the XXXX text, I realize that that was part of the scam. It did not matter that I replied " N '' to them, they already had used my card for XXXX pay. 

I have tried to dispute this with Discover throughout XXXX and XXXX. I have talked with multiple Discover agents to no avail. It went under review and was denied. I then requested a secondary review, which was denied. They are still holding me responsible. I provided screenshots of my text conversations with the impersonator. 

Additionally, not only are they charging me one ( 1 ) {$200.00} XXXX XXXX XXXX purchase, they are charging me XXXX ( 4 ). I would not like it, but I would actually understand if they charged me {$200.00} for XXXX purchase as ultimately I did end up acknowledging that I recognized the purchase. But to pay XXXX {$200.00} purchases is absurd. I did not make XXXX, let alone XXXX, XXXX XXXX XXXX purchases of {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank constantly and consistently shuts down my card for simple purchases ( less than {$5.00} ) at vending machines, XXXX, XXXX, XXXX, etc. and I can't call them to fix it, they refuse. They refuse to respond to multiple secure messages online. I have to wait from a call from them during the weekday to unlock it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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:
Please remove these items from my credit report XXXX ) XXXX XXXX XXXX ) XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$0.00} 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 {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} 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 non-monetary relief