vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
First I have never received anything in writing from VENMO on this matter. 

Hackers from XXXX went into MY SSA APP changing my direct deposit to XXXX XXXX on XX/XX/2023. They've been holding these funds for over 5 months without contacting me or SSA. Why did they not send them back SSA? XXXX with my local Social Security & i called XXXX on XX/XX/2023 telling them that I was a victim of Identity Theft & they told us that I had NO access to account. I had no idea it was an old Venmo account that I had closed months before because of Hackers getting in & out of account constantly. The US TREASURY & SSA told me & Venmo verified that funds are in old account. WHY??? ITS BEEN OVER 6 MONTHS... 
I've sent Venmo all identification & documents from SSA saying that they're holding my XXXX payment because I've been over paid by {$1600.00} ( during a recession ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: CA

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 XXXX Account XXXX has violated my rights. Or 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 2023-11-17 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: Experian Information Solutions Inc.
State: CA

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 XXXX Account XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-11-17 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: 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 XXXX Account XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( 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 XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a deposit of {$1200.00} from my job. I was paid bills, ate lunch, and by around XXXX that day my card started declining with funds still on the account. I called in and they told me my account was closed but refused to tell me why. I went to the branch the following day, and they still refused after calling back office. It is about to be the holidays and I can not wait this long for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I took a paycheck on XX/XX/XXXX to a local XXXX Checksmart to be cashed which it was. I received a phone call on or about XX/XX/XXXX from a XXXX XXXX who says he's from Checksmart and the paycheck was apparently returned. I was a little surprised to hear this but I had wanted to work out a repayment arrangement with them. I have been a long time customer of theirs and in the interest of that relationship I decided to work with them on good faith with no documentation and the understanding that documentation would be following. To date I have received nothing from Checksmart. On XX/XX/XXXX I learned that the check had been resubmitted for payment and had cleared I was also given documentation to that effect which I offered to send to XXXX XXXX, he declined. The calls have not stopped and they are threatening to file criminal complaints against me. I have stated to them that this is an issue on several points. One - the debt has been paid in full, two - I have not received any documentation requested or even a demand letter from Checksmart which is required, three - I could have no knowledge that a paycheck might be returned. I have reiterated these points to Checksmart many times and they continue to engage in unlawful debt collection. XXXX XXXX has refused to provide contact information to send the documentation I have, I have sent the documentation to a generic customer service email address with no response. In addition to this complaint I have filed a complaint with the Ohio Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
i have tried for months to get a payment history from the mortgage company to find out why they state that i am 4-5 months behind, when i call them on the phone i get different responses on the amount of months I asked several times for them to send me my payment history, but they refuse to when i do make payment arrangements to catch up i get another notice that i am still behind several months i make my payments on a monthly basis. and yet i am still behind. i also wonder why they will not remove all the late payments from my loan the negativity goes back multiple years, and they refuse to remove the late payments it is affecting my credit score to the point where i can't get any good rates on a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, two fraudulent charges of {$400.00} each from XXXX were debited from my account. USAA even reached out to me asking if these charges run on my debit card were valid. I said absolutely not. They provided me a provisional credit of {$800.00} and sent me a new debit card on XX/XX/XXXX. Today, on XX/XX/XXXX, USAA debited my account again for {$800.00}, reversing the provisional credit. When I called, they first told me that someone 'impersonating me " called USAA and claimed the charges were valid. Then they told me that that were two duplicate cases disputing the charges were filed and one was closed as 'duplicate '. So I asked what a duplicate case on their end has to do with removing the {$800.00} provisional credit from my account. They told me it would take 2-3 business days to put the {$800.00} back into my account. Then they told me it would take the length of the investigation which can last 45 days. I told them that keeping {$800.00} of my money for 45 days is not consistent with a 'zero liability policy '. They then just refused to let me speak to anyone else nor explain their inconsistent communication with me. So, I hung up and am calling back USAA but I find this whole drama to be a complete waste of my time. I object to a bank attempting to keep {$800.00} of my funds over charges they themselves believe are fraudulent while they 'look into the matter '.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: OH

Complaint narrative:
15 USC 1681 a ( 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 TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-17 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: OH

Complaint narrative:
15 USC 1681 a ( 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 XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ADP Inc.
State: LA

Complaint narrative:
The payroll tax documents were issued and filed incorrectly putting my personal name instead of my business name also even though they signed my company up as a tax account they later changed and said it was no longer a tax account even though money was taken out for payroll taxes. The liability there is high and I still have no word on any resolution however without my taxes getting corrected I can not get a ppp or ERC. Nor do anything for my business since 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Everytime I try to open a bank account it will not let me no matter what bank it is and this has been a problem for years now I just want to be able to open a bank account and save money again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: OH

Complaint narrative:
These bureaus has over 50 hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible

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 2023-11-17 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: OH

Complaint narrative:
These bureaus has over XXXX hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
I check my credit report and its an account for Jefferson capital system saying it was open XX/XX/XXXX XXXX.i couldnt have open that account cause i was XXXX  that that time. Account amount is {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Yes I had mad a deposit the day before I was working I made a big deposit for XXXX $ dollars on XX/XX/2023 and on my way to work I stopped for breakfast at XXXX and I spent {$10.00} on XXXX the XXXX XXXX my card was lost apparently when I contacted the bank I noticed all of my money was out of my account but I didnt notice until the next morning I tried to get breakfast again so while at work I contacted the bank ant let them now I lost my card and that there was a unauthorized charge made on my account while I was at work for {$5800.00} at a placed called XXXX XXXX XXXX XXXX I was work with bank to get this resolved they said I was gone XXXX a credit but ended up not getting a credit and no reason why Im just very frustrated that {$6000.00} dollars is just gone so yea im filing complaint be this is not right thats places when I called is like a hour and 15 min from where I stay

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