vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately 3 weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under 15 USC 1681n civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Sincerely, 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
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX an ACH withdrawal of {$2400.00} to XXXX XXXX posted to my account with sufficient funds. The account had sufficient positive balance. 

On XXXX an auto deduction of insurance was made by USAA that created a negative balance in my account. 

On XXXX I received my regular paycheck of approximately {$7400.00}. 

USAA retroactively re-ordered the transactions to decline/return NSF the {$2400.00} payment that had already posted with sufficient balance costing me {$50.00} with the agency that collected the payment so they could debit {$280.00} for insurance. 

CFPB is actively investigating re-ordering as unethical and perhaps illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account numberXXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Navy Federal it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ Navy Federal XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23. ] Your company is in violation of the FCRA and XXXX XXXX and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) { XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 } you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer 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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX, I AM THE XXXX  OF THE XXXX XXXX XXXX XXXX XXXX XXXX. I AM MAKING THIS CLAIM BECAUSE ON XX/XX/2023 I MADE A DEPOSIT OF A CHECK FOR THE AMOUNT OF {$20000.00} INTO MY PNC CHECKING ACCOUNT BANK BUT IT HAS BEEN A LONG TIME SINCE THAT DEPOSIT AND THE BANK STILL HAS NOT DELIVERED ME THE FUNDS, I CALLED THEM AND THEY ONLY KNOW HOW TO TELL ME THAT THE ACCOUNT IS UNDER REVIEW, PLEASE DEMAND CLOSE MY CHECKING ACCOUNT AND SEND ME THE FUNDS TO MY MAILING ADDRESS WHICH IS IN MY CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX credit account has a note stating that the account was previously in dispute. THIS ACCOUNT HAS NEVER BEEN IN DISPUTE ARE THEY ADDING INFORMATION RANDOMLY 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
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
My truist business account has been cleaned {$3000.00} dollars due to truist low security!!

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
I m using coinbase account regularly since last 3 years suddenly from the month of XXXX they have blocked access to my funds and mentioned 40 days waiting time for funds access. Then after 50 days I mailed them telling I'm unable to access funds, they mentioned to link my bank account, when I m trying to link bank account and sell the virtual assets they didn't allow to link, they have been mentioning in mails every month telling that we have extended time line for you to withdraw, when I try to open the portal it says please withdraw funds to completely close the account. When I try to withdraw it says contact support, when contact support they just simply mail telling you ll be able to withdraw funds in near future. I have clear mail asking them what is the reason for blocking my funds, they tell its not to be disclosed. This is not at all correct thing. What right they have to block my virtual assets without any proprt explanation .kindly help me My coinbase registered mail id : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NH

Complaint narrative:
Contacted the company today XX/XX/2023. 

Was originally put on a payment plan for {$33.00} a month, to pay off my card. Payments apparently ceased a few months ago without notice sent to me. Now my minimum is required to avoid charge off. Attempted to resolve myself but the company is unwilling to make adjustments due to their negligence. Since the payment plan began, I have not missed payments until they stopped the automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
on the XXXX of XXXX venmo sent me this email : XXXX XXXX, Our records show that you had funds in Venmo that were previously under review in our system, and those funds are now available to be transferred from Venmo to your bank account. 

Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our standard transfer option. Due to restrictions on your account, you will NOT be able to use our instant transfer option. 

Please reach out to us if you have any questions. You can contact us by visiting our Help Center, linked here. 
Thank you, Team Venmo SINCE THE XXXX OF XXXX VENMO IS DENYING TO ADD MY NEW BANK ACCOUNT SO I COULD WITHDRAW MY FUNDS! I KEEP EMAILING THEM AND THEY ARE JUST IGNORING ME SINCE XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: CA

Complaint narrative:
in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment. 

I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Check Recovery Bureau, Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt for XXXX XXXX XXXX ending in XXXX, with their reference number XXXX. This debt was already paid with XXXX XXXX XXXX on XX/XX/23 with their reference number XXXX. XXXX XXXX XXXX has sent me proof of payment of debt being completely paid and satisfied. I have not received any attempts to collect from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Account Name : XXXX XXXXXXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are no derogatory items yet the report on annual credit report has a number 1 next to potential negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX I was robbed and became a victim of fraud and lost XXXX dollars. I submitted the fraud claims as soon as I found out. I also obtained a police report and submitted that. After several hours of sitting on hold with BOA XXXX department and getting nothing accomplished I began reaching out to supervisors, still BOA continued to give me illegitimate reasons why I was unable to be reimbursed. The transactions made were all from establishments with cameras that can easily be viewed and identify that it was not me making the transactions, so I'm unsure of what kind of investigation was done. BOA told me that because " it was highly unlikely that someone would be able to guess my PIN '' I thought that was supposed to be there security feature to protect me! They also told me that I was " receiving notices on my phone of fraud '' that to this day I do not have. Another excuse they tried was that " I didn't try to empty my account '' which I did. After filling a complaint with CFPB BOA resolutions department reached out and did was able to expedite the process and get some things resolved. I have a XXXX XXXX of every letter I received from BOA and every person I have talked to. I received a letter on XX/XX/XXXX stating that a claim for XXXX dollars has been resolved and that the account has a permanent credit. Yesterday I received a letter dated XX/XX/XXXX stating that the same claim was not approved. I think that BOA is coming up with excuses to try to steal my money. I have flooded there media with complaints and am getting exhausted with this process and just want to part ways with this bank but they wont take the restrictions off the account so I can close it. I am a career firefighter and integrity is a trait we need to hold, I feel as if BOA is questioning my integrity and trying to steal my money! I need help!

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 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My home mortgage account was transferred from XXXX XXXX to Shellpoint Mortgage in XX/XX/2022. I was under a forbearance with XXXX as I lost my job from XXXX and was in the process of a loan modification when I was told mortgage was transferred to Shellpoint. It took them 6 months December 2022-June 2023 to agree to a 6 month trial but I paid on time each month. They then sent me a new loan mod for {$800.00} more a month in addition to a XXXX PAYMENT of XXXX to be paid even if I were to refinance or sell the property prior to maturity. I have reached out to other mortgage brokers and lawyer and they said this is illegal and is predatory lending. They are charging me with a penalty of {$160000.00} on top of my mortgage. This is outrageous!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this lools SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirments are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days failure to comply with these federal regulations by the FTC U.S C 41, et esq. I am maintaing a careful record of my communication with RESURGENT CAPITAL SERVICES, LP./ LVNV FUNDING LLC. , located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation