vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I notified TD Bank Credit Card that I will be traveling to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. However, during this period, my credit card was abruptly turned off. From a correspondence received after XX/XX/XXXX : Per TD Bank : In our efforts to protect and better serve our cardholders, we continually monitor our credit card accounts for transactions which occur from fraudulent useWe apologize for any inconvenience this may cause I verified all transactions with TD on Sunday, XX/XX/2021 per my conversation, with the TD Bank representative, she reassured me that my bank card would be turned back on. Unfortunately, this was not the case. I was stranded without any available credit card for use for hotel and transportation stay. I succumbed unnecessary fees as a result of this inconvenience. 

I also TD Bank on XX/XX/2021 that I would be traveling to XXXX from XX/XX/XXXX to XX/XX/XXXX... I didnt want my credit card to be turned off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: NC

Complaint narrative:
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX shortly after Paypal and XXXX were splitting, My PayPal account was limited with the message " You can no longer do business with PayPal " and they were suppose to hold my money for 180 days and then return the rest if no disputes are filed. The reason for them closing my account is '' After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy '' However nothing I have sold was ever against their rules nor did they ever explain what I did to to violate their terms which is a XXXX. I always sold the same thing and now its a problem? Anyways close to the 180 days were up and my money was suppose to be returned to me, paypal secretly transferred my money to themselves on XX/XX/XXXX with no emails or explanations. with the note " XXXX USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPals damages caused by Acceptable Use Policy violation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am trying to purchase a home and the mortgage company can not pull my Equifax score. 

I have sent a letter to correct the info and have spoken to about 7 people that have claimed there was a freeze then the freeze was removed and still the mortgage company is not able to pull the report. 

I have exhausted all measures. 

The creditors are not able to pull my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi credit card ending in XXXX still has not updated on my XXXX credit report since XX/XX/2021 despite repeated correspondence with the Citi Executive Response Team. In their most recent response they've said that they are going to stop responding to my requests and " consider my complaint resolved '' at this point. Until my Citi account begins to update on my XXXX credit report, which it has not for going on 7 months, this issue is certainly not resolved. Citi has repeatedly stated that my suffix " XXXX  '' is the cause of the issue. I have spoken to XXXX many times and they allow for the use of a suffix field. As stated in my previous correspondence, all of my other creditors report my suffix " XXXX '' to XXXX on those accounts and every single one of them updates every month just fine. Again, this is a Citi issue, NOT a XXXX issue. I have attached further supporting evidence of this below, where I've included screen shots from 4 of my other creditors showing that they allow for a suffix field, but when you look at the Citi image ( last ) they do not ask for a suffix. XXXX like most institutions uses XX/XX/XXXX 2 formatting which allows for 426 characters of reporting and fields 33 and field 6 depending on which segment are for generation/suffix. If whoever that is handling my complaints at the Citi Executive Office is unaware, unable or unwilling to further assist with my inquiry ( as evidenced by their last response ) I would appreciate it if it were passed on to someone in the credit bureau division of Citi that understandsXX/XX/XXXX 2 reporting and can adequately address my concern. Blaming my suffix for the non-updating of my account on my credit report for nearly 7 months is not an acceptable response and as a customer I'm entitled to have ACCURATE and current information presented on my credit report. Currently it is not, and that must be rectified. 

XX/XX/XXXX XXXX : XXXX Please see the images uploaded which show many of my other lenders using a suffix field, but Citi NOT using the suffix field.

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 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XX/XX/21 CSR XXXX called my cell phone 4 times including once from her personal cell phone within about a 30 minute time span. That is harassment and illegal

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 2021-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/XXXX I filed a dispute with XXXX, XXXX and Equifax credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This account is reporting a un-validated debt a debt validation letter was sent to company no response. Per FDCPA this is inaccurate and must be removed from my consumer report. They are purposely reporting a debt they are unable to validate that this is my account and are impacting my credit score adversely. This kind of violation can lead to a penalty of up to 1000 per violation and damages.

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 2021-11-16 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: AL

Complaint narrative:
I have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I started paying my student loan in XXXX of XXXX. My original servicer was Sallie Mae. Navient took over and my payment history of over 10 plus years disappeared. After the Covid pause I will still be paying on the student loans. It was my understanding that after 25 years the payments would stop but they haven't. I worked for a non-profit from XXXX to XXXX and never received credit as well as the last two years I have been working for a non appropriated federal agency. I have not been given any credits. I have never been delinquent on my student loans. Everytime I inquire I am being given the run around and told that I did not start paying the loans until XXXX. This is untrue because I graduated in XXXX and started making payments 6 months later. Is there anything that can be done to assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Hello, On XX/XX/2021, I received a cash app payment from my daughter in the amount of {$200.00}. I decided to cash out the funds back to my bank account. I also sent a {$20.00} donation to a friend as a donation for a food purchase for a family who lost their mom on yesterday. This morning neither transaction was showing in the Cash App. 

I also use this same platform to invest in stocks. Because my transactions from XX/XX/2021 still weren't showing, I checked my stocks and found that 94 % of my money was gone and the stocks selected for my investments were no longer showing on the platform, i.e., XXXX XXXX, XXXX, etc. On XX/XX/XXXX, I had a balance just over {$4100.00}. Today ( XX/XX/XXXX ), I have less than {$200.00}. I checked my stocks on the stock exchange to determine what happened in the market and found that there were no significant losses. Yet, my money is gone. In addition, the site does not show what my stock investments are, but does show my total invested amount and current balance as of the close of yesterday. I also make bi-weekly purchases for certain stocks, and those are not showing in my history. Ironically, there is a Bitcoin balance of {$92.00}, and I have never purchased Bitcoin.

I can only assume that I have been hacked because nothing else makes sense. I did take photos of what is currently showing on the screen at different intervals during the day for XX/XX/2021. However, the site was showing balances for a timetable for today for afternoon transactions and yet it was only XXXX XXXX. when I checked my account balances this morning. I submitted an inquiry and was told someone would be in touch within 2 hours. I have not received a follow-up but in the interim I wanted this information regarding this scam to be published immediately. I realize there is risk when investing in the stock market. However, I have been participating for quite some time and understand the risks. I have lost a few dollars here and there, and that's to be expected. However, I am positive that I have been scammed because I don't show any significant losses on yesterday for my selected stocks. 

Any assistance you can provide is greatly appreciated. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An Affidavit of Truth was dated and NOTARIZED to Equifax on XX/XX/21 and the sent via certified mail and was delivered to Equifax on Monday XX/XX/21 I have not received a response to this nor have I heard from Equifax regarding this matter. 

THEY MUST REMOVE ALL PUBLIC RECORDS FROM MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MD

Complaint narrative:
On XXXX, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MD

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.

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 2021-11-16 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I consumer XXXX XXXX entered a consumer credit transaction with XXXX XXXX XX/XX/2019 in which Regional Acceptance Corporation I extended credit of {$12000.00} in consumer credit financing charges. XXXX XXXX accepted cash in the amount of {$1000.00} in this consumer credit transaction there by making this contract void and fraudulent pursuant to 15 USC 1605 defines finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX accepted took cash. The finance charge is suppose to include insurance but XXXX made me purchase insurance separately. 

Regional Acceptance Corporation is in violation pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusion clearly states a consumer report does not include any transactions or experiences no payment history should be reported according to FAIR CREDIT REPORTING ACT Also pursuant to 16 CFR 313.15 - Other exceptions to notice and opt out requirements. 
and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods I am exercise my right to opt out of consumer reporting of all non public information by Regional Acceptance Corporation Regional acceptance did not give clear and concise information of any of these right to opt out of consumer reporting I also notified the FEDERAL TRADE COMMISSION and the OFFICE OF CONSUMER FRAUD AND PROTECTION

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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Our child attended XXXX XXXX XXXX XXXX XXXX. The center had a Covid outbreak and was forced to shutdown. We were still charged for a service we were unable to use as they were shut. We felt unsafe having our child return, as their Covid protocols were insufficient. We have tried disputing the amount directly with them, and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today XX/XX/2021 I tried to log into my chase business account. Said it was locked for the 2nd time this week, first time was because I changed my phone number and email online.. I called the bank to see why it was locked and too unlock it, and now Im told it was being closed and they wont give me a reason as to why, it was a XXXX account, that I run my entire business through!! And now i cant even run a business until I can find another bank and then get my funds from that account back I just want my account reopened so I can assume XXXX as normal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/XXXX I filed a dispute with XXXX, Transunion and XXXX credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. 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