vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX  dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.

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 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Fraudulent reporting by a company called LVNV FUNDING on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: UPGRADE, INC.
State: CT

Complaint narrative:
I contacted Upgrade shortly after opening a credit card account because they were very deceptive in trying to force me to sign up for auto-pay. That was almost a month ago. I paid off the small balance immediately and have made at least 6 calls since then, demanding they close the account. Each time they say it will be few business days. The account still shows as active as of today. They simply refuse to close it and openly lie on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out because transunion has allowed for this account by the name of XXXX XXXX XXXX XXXX to be added onto my credit once again without my written consent after it was removed because it was not my debt. The fact that this was just deliberately thrown back onto my credit is negligent and if not taken care of i will sue, i am also request that you verify who this debt belongs to in accordance with Title 15 U.S Code section 1681i. This completely violates my rights and shall be corrected immediately. I kept record of this account being removed for my protection in case their was any future misunderstanding, i also have record of my disputes that i have sent to transunion 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX - present I called XX/XX/XXXX to inquire about XXXX benefits on this card after realizing my interest rate and becoming aware I was entitled to benefits as an XXXX XXXX spouse. 

I spent over an hour today with Synchrony Bank ( Amazon Store Card ) to follow up on the request that my XXXX Benefits be applied retroactively as prescribed by law. They gave me two incorrect phone numbers- and eventually told me that there is no one to speak with regarding the issue. In the last year of statements alone, interest above the stipulated cap is {$910.00} which needs to be refunded to my account balance. I have requested historical statements so I can calculate the amount of interest that needs to be credited back to my account. This is disappointing that one of the largest retail credit issuers for store based cards has no transparency or process. Other creditors ( XXXX and XXXX ) have handled this request in the matter of minutes.

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 2022-08-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, thanks for taking the time out to consider my issue. 

I am the owner of XXXX XXXX and my name is XXXX XXXX XXXX experian XXXX ID # XXXX CASE NO : XXXX was not resolved therefore I am reaching out to the CFPB for a solution. 

I have Contacted Experian credit monitoring services ie : ( SmallBusiness.experian.com ) ( www.busuinesscreditfacts.com ) on multiple occasions for two reasons! 

1. Experian continues to report my business address incorrectly despite me reaching out to them via XXXX on XX/XX/XXXX. Experian continues to report my business address incorrect after I followed the companies instructions and manually updated my address via www.businesscreditfacts.com. 

When going back to check the website ( www.businesscreditfacts.com ) after updating the address shows an incorrect address for XXXX XXXX which I am able to search in their system. 

XXXX XXXX ( CORRECT ADDRESS ) - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XXXX. There is an account reporting incorrect UTILIZATION information. There is no account that i have that is currently at 100 % utilization. This is incorrect information and needs to be fixed immediately. It seems to be affecting my Experian Commercial business credit score. As of today XX/XX/22 This account shows a balance of XXXX with a utilization of 100 %. I have no business credit acct or vendor that reports anything less than {$1000.00} dollars. 

There isn't enough information available for me to directly contact the company reporting the info before reaching out to Experian Commercial. I checked my experian business credit report and there is no form of contact for this account reporting 100 % utilization. 

I HAVE ATTACHED SCREENSHOTS AND VIDEO PROOF OF EVERYTHING I HAVE ADDRESSED IN THE MESSAGE ABOVE.

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 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Congress has made it clear that Transunion has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Transunion does not have my permission nor does Transunion have my consent. Transunion has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Transunion to furnish a report or create a report and have never consented to any 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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
First Progress Card was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

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 2022-08-11 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: ND

Complaint narrative:
XX/XX/XXXX - sent {$200.00} ACH from XXXX to Chime but used the wrong account number XXXX XXXX - Both companies sending me back and forth to eachother not willing to help me. XXXX is at least trying to help me. XXXX needs a trace ID ( or has it now and needs chime to reverse it or find out what happened ) to find the ACH and dispute, Chime unwilling to help at all and is breaking financial regulations and is completely unprofessional. They have insurance for this stuff clearly and don't even want to help their customers. My money is in someone elses account and somehow went through. Either they resolve this soon or I contact a lawyer and go for my money and also my time spent dealing with this garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I had a car load with Westlake Financial Services. The loan was paid off but there were fees unpaid totaling {$350.00}. They sold this debt to XXXX XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I was contacted by XXXX to settle for 40 %. I made the payment on XX/XX/21 in the amount of {$140.00} which is what they asked for. I was informed they will notify the creditor and I will receive my title. I never received the title and then the car was stolen XXXX of this year. I reached out to Westlake Financial first and they said they were never notified of the debt being paid. I then reached out to XXXX  who said they sent all their records to XXXX. I then reached out to XXXX who told me XXXX still has records and can supply me with them. I have been calling for months and its just a circle of no one helping me and I still can't get my title.

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 2022-08-11 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: Advantage Credit, Inc.
State: WA

Complaint narrative:
I am in the process of buying a new house. On XX/XX/22, a hard pull was done to see my updated credit reports. Since then, my phone has been ringing every 10-15 minutes from various mortgage companies with " better offers ''. I have asked them to stop calling. I am already working with a mortgage broker. I have found out that, when there is a " hard '' pull on credit, that the credit bureaus have " trigger '' calls with mortgage companies. THIS IS WRONG!!! This is giving my information without my specific consent and triggers a huge invasion of my privacy. I have disconnected all my phones. 
My mortgage broker has told me that there are lawsuits against the credit bureaus for this. 
Something must be done to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I was sent a Notice of Deficiency from the IRS ( Notice # XXXX ) that stated I had undeclared income via Cancellation of Debt from Capitol One on XX/XX/XXXX, account number XXXX, for {$1400.00}. 

I called Capitol One on XX/XX/XXXX and spoke with XXXX XXXX @ XXXX, Employee Number XXXX. She stated that she looked through their records and I have never had a Capitol One account under the above account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
Experian enclosed are documents of violations and fraud please read the U.S.C. CODE you are violating please take to heart I will take legal action

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I settled my TJX Rewards MasterCard Account with XXXX XXXX, XXXX. 

The Balance at the time was {$6400.00} and we settled at {$2500.00} over XXXX monthly payments of {$100.00}. We sent payments monthly for XXXX, XXXX, XXXX and XXXX of XXXX  and then in XX/XX/2022 we received noticed that XXXX XXXX  could no longer honor the settlement because they no longer had it in their office. 

This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of no where it's no longer in place? That is incredibly unfair! 

I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " re-call '' the 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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I closed an account the beginning of XX/XX/2023 due to fraudulent activities. At the time of closing I had a remaining amount due of over {$7000.00}. I received almost XXXX ( I received this amount inside the bank as I never received the mailed check ). I am still waiting for the remaining XXXX. Each time I go into the branch or call they state a check has been mailed its been over 70 days and I have yet to receive the remaining {$700.00} from this 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 2022-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- XXXX  XXXX XXXX {$3200.00}, XXXX XXXX  XXXX {$10000.00} XXXX Bank of XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I sent two wire transfers from my personal XXXX XXXX account to a business account held at Bank of America. 
1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( XXXX  ). 

2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both XXXX XXXX  & Bank of America to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. 

I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. 

Thank 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 explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I opened a Kraken  account on XX/XX/XXXX. This included providing copious amounts of PII ( understandably ) and successfully inking my checking account for currency purchases. After confirmation that my account was opened and checking account linked, I put in a purchase order for {$250.00} of XXXX cryptocurrency. The order was placed ( minus Kraken  's fee ). I then attempted a {$250.00} purchase of another currency -- - and was told that the purchase could not go through. The next day, I was told that I could not purchase through my checking account, but could use a debit card -- - and a transaction fee to Kraken that was 300 % higher. It appeared to be some sort of bait-and-switch. They told me my checking account could not be used. I checked the balance in my checking account and found nothing had been deducted. I unlinked the account. A day or so later, I was told that my Kraken account had been closed. Shortly after that, I received an email stating I needed to arrange for payment of the {$250.00}. I explained that they initailly accepted by checking account ; they had closed my account; and I had unlinked it. Over the next two weeks there were several back-and-forth emails from agents -- - always sent around XXXX XXXX time. I had also seen XXXX rise in value about 20 %. They stated I had made the purchase and wanted me to empty my account. I asked for a full accounting. On XX/XX/XXXX, I received an email stating that my account was opened and I needed to withdraw the credit balance of {$46.00}. I was able to log-on and successfully re-linked my checking account ; but when I applied for withdrawal, Kraken again stated my checking account could not be used. I unlinked the checking account again. I am demanding a check for my balance of {$46.00} to be sent to me via USPS. This is an unscrupulous and dishonest organization. They have an F rating with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation