vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
EXPERIAN - XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX on XX/XX/XXXX EXPERIAN - XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXXXXXX on XX/XX/XXXX EXPERIAN - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - EXPERIAN XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXXXXXX XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  XXXX on XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX  on XX/XX/XXXX XXXX  - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX - XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/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 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
called and sent a letter to the collections agency and the orginal creditor and the credit bureaus, item was removed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and added back on in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and I have some fraudulent information on my credit report that do not belong to me. I do not recognize them, nor did I authorize them, Can you please delete and block the following fraudulentinformation from my credit report. 
*See Attached*

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America decided to close both of my debit card account and credit card account without notice. 

I tried to log in into my BOA app but failed on XX/XX/XXXX. I called them for the reason, they just told me they had the right to close my bank accounts without reason and notice. ( Actually the letters from BOA I received 2 weeks later this call said that the reason is I had irregular transactions, I checked my spendings, and that transactions should be my two payments to a XXXX shopping website-the most famous one. ) I had no more chance to open another debit card account eternally.

It took me around 3 hours to talk with the debit card and credit card department on XXXX XXXX need to wait for 2 weeks for the balance of debit card. And I went to BOA to pay the money I owned in my credit card account on the same day. 

But I couldn't get back my cash back rewards ( around XXXX dollars ), the lady from customer service department made a claim for me on XX/XX/XXXX, she could not click the " redeem '' button since it was frozen. She told me the back door office would deal with my cash back rewards and send it back to me in 4 weeks. Yesterday XX/XX/XXXX, I received a letter from BOA without any contact information, it is said that I couldn't get back my cash back rewards because my account had been closed. That is not me who made this decision without notice - made me had no time to redeem my rewards. I called BOA again, the customer services twice, benefits department, and another one, I had been transfert three times and finally no one could help me to get my money back. 

It is indecent to keep a former client 's money in this way. I only want my own money back to me. 

I filed a complaint on XX/XX/XXXX on CFBP, then I received a email from regulatory complaint department of BOA on XX/XX/XXXX. I tried to contact this department with the phone number they gave me 6 times, but the extension number could not be recognized. 2 hours of calling to BOA later, but nobody knows how to contact their regulatory complaint department. I have no way to contact BOA to have my right back, that's why I submit the second complaint right now. 

I will use whatever I know in the legal way to get my rights backs until I get the solution.

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I am a self employed clinical social worker in private practice and I accept insurance payments for patients. They insurance company recently started paying me with virtual credit cards, despite not having my own POS system. I needed access to those funds and decided to go ahead and use Squares services and pay Squares fees in order to get paid. 

I had trouble understanding how to deposit the money, and was entering the wrong zip code, which flagged the account for fraud. I was asked to furnish more information which I did-Bank statements ( which I needed to black out in order not to violate HIPAA laws ), New York State License , website, however despite all of this, I was told that my account had been deactivated and my funds in a hold for 90 days. WITH ZERO EXPLANATION. I can not refund the payments because it is a virtual credit card and once the funds are disbursed it is inactive. It seems unconscionable that after taking 3.5 % in fees, plus service charges, Square gets to then retain the fees and hold my money for 90 days.

I spent 30 minutes on the phone trying to get through to someone and the woman XXXX refused to let me speak to internal affairs, nor would she give me an explanation as to why my account had been deactivated and my funds frozen. I am a small business, I pay quarterly taxes, and having upwards of {$6000.00} held for 90 days is a major hardship for me. I was in tears on the phone and the womans response was I have a family too, I cant let you speak to anyone else.

Nowhere in the terms does it say we wont accept health insurance virtual payments. In fact it says that prepaid cards are accepted. 

This seems like an incredibly punitive way to treat customers, particularly after I gave up highly sensitive information to prove the eligibility of my transactions. There is no one working with me, no one talking to me, its all being done online in a very furtive and covert way, and the customer service rep I reached on the phone would give me zero information or support. She eventually told me she was hanging up since she had already told me three times that there was no one else I could speak to. 

I am appealing to you to review my case and release my funds before the 90 days. I gave up all the information requested of me, I am a licensed clinical social worker with the state of New York, I dont understand how much more eligibility you need from me to prove the authenticity of my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
XXXX payments were made to Carrington, both payments came from bill pay with name and address and account number for XXXX and XX/XX/2022. Carrington improperly posted the payments. XXXX XXXX XXXXXXXX has presented documentation to correct this issue. Carrington sent me information correcting the posting of the payments. Carrington also, notified me that my credit would not be affected. I have tried to refinance getting a low locked in rate which carrringtons mistake has prevented. I have been notified that all three credit bureaus have late payments for XXXX and XXXX of 2022 for the same account which was wrongly accused of late payments, causing financial hardship. With interest rate rapidly rising carringtons mistake will put me in a unlivable financial position. I need this mistake corrected within 24 hours to secure my rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received notice that our escrow contribution was going to increase. We have more than the required 2 month minimum in the account, taking into account our XXXX Payment and XXXX Insurance Payment. 

Amount currently in Escrow {$1700.00} XX/XX/2022 contribution : {$440.00} XX/XX/2022 contribution : {$440.00} XXXX XXXX insurance payment {$1200.00} Amount in Escrow at the end of XXXX : {$1400.00} 2 month required minimum : {$890.00} We are being forced to increase our Escrow balance to {$2700.00}. Is this legal?

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 2022-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The company Navient has been illegally attempting to collect payments from me since XXXX 2022. I have reached out several times reminding them that the current laws according to the XXXX XXXX state that there is a pause on XXXX XXXX XXXX until XX/XX/2022. They are now threatening me with defaulting on the loans. They have made it impossible to communicate via email, or customer service to speak with anyone who can correct this illegal attempt of coercion. I am fully aware that this company is involved with several class-action suits because of their repeated illegal tactics, misinformation, and harrassment. I want them to repeal all monies and interest rates immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN ODA XXXX XXXX FRADULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Someone called from XXXX Knows my address and social number trying to collect on a discharged bankruptcy debt past 15 years ago. Fraud debt collection agency

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I sent money to support my brother back on XX/XX/2022 Ria Money Transfer https : //www.riamoneytransfer.com/us/en never told it will take four business days to complete. But after the transaction is submitted now they are intentionally sitting on the money in the name of security. They have already taken funds from my account. I have visited there XXXX page that complaint common, partially because of accountability, which they think no one can ask them. 

I called their compliance department on XX/XX/2022, and provided all the information they asked about the beneficiary. The compliance officer told he let the transaction leased right after the call, but that never happened. In fact she cheated. 

My transaction numbers for reference. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: GA

Complaint narrative:
You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave Equifax any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All XXXX credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?

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 2022-02-22 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: IL

Complaint narrative:
All 3 credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a follow-up to complaint XXXX which has since been closed. The bank reached out to me and did not close the account as requested. I've made countless attempts, wasting over four hours of my time, in trying to close this bank account. Following receipt of my complaint listed above, a bank representative reached out to me only to tell me that she could not close my account and that I would need to reach out to another department to do so. She contacted the department while I held on the line. After over 45 minutes on hold, I had to jump off the call to attend a work meeting. The representative provided me with a number to call the department at a later time. Days later when I had a small gap of free time, I attempted to reach the number. The representative told me that it shouldn't take long to do, as her last call took 3 minutes to close their account. A function that could not be performed since my account was now in the negative after more fees had accumulated for not maintaining a balance. After explaining my ordeal, this representative directed me to yet another department that had to override the negative balance. I along with the representative waited on hold for close to an hour, when suddenly my call with this representative was disconnected. I am at my wit 's end here and need this account closed and do not intend to spend another second of my time in doing so. If this requires that I take to social media to resolve, then so be it. Nobody should be made to endure this level of inconvenience to perform a simple function.

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