vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: MI

Complaint narrative:
I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. 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 non-monetary relief
Consumer complaint received 2023-06-29 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: CA

Complaint narrative:
the Accounts listed below do not belong to me but keep appearing to my file after several attempts in having them remove by the credit bureau which is in violation of my Federally Protected Consumers Rights to privacy and Confidentiality under 15 USC 1681 - XXXX XXXX, XXXX. XXXX XXXX - XXXX XXXX XXXX {$1.00}, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND CREATE FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I paid this debt already but they never send me that paid off letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XX/XX/2023 at roughly XXXX XXXX, I deposited a cashier 's check from my account with XXXX XXXX XXXX XXXX to my account with Bank of America in the amount of {$48000.00} which were proceeds from the sell of my condo in Georgia. 

After the Teller deposited my funds, she then proceeded to show my receipt which placed the majority of my funds ( {$42000.00} ) on HOLD for an additional 5 business days. I asked why and they only said it was what their system provided, and that I could speak to their customer service department for assistance. 

Seeing that I am considered a PREFERRED customer with over XXXX of loyalty to this bank, I thought this issue would be easily rectified, but it wasn't. 

After reading their " deposit/hold '' policy online and the Federal Reserve regulations , I believe I was discriminated against and they gave me no real cause or explanation for extended this hold on my funds. Due to their negligence, I missed the opportunity to make a stock purchase which would have paid me dividends as well as missed out on other plans and purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I paid my prosper card statmentment balance of {$840.00} and it was paid by my bank on the XXXX. Prosper card generated a stastement reflecting that they received the payment which was in fact a {$55.00} overpayment on XX/XX/2023, yet they are attempting to charge me {$19.00} as a merchandise finance fee even though I have not used the card. Last month Prosper indicated that they were reducing my credit limit because of several delinquent accounts, even though none of the credit bureaus reflect this incorrect information.

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 2023-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
I received a text from Dave Banking giving me a verification code, but I never requested this code. Went to my Dave app and seen that someone requested an extra cash advance on XX/XX/XXXX, I never requested this advance. I emailed Dave numerous times to let them know there was fraud on my account, but always get the same response telling me how to collect the advance. Have tried calling them every day, but you can never talk to anyone. They will take the money out of my checking account when I get paid on the XXXX. I do not want to pay back XXXX that I never received. Tried to close my account, but it wont let me because I have an open advance. This is by far one of the worst companies I have ever dealt with for customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: KY

Complaint narrative:
Recieved calls from McCarthy Burgess & Wolff. 
Attempted to collect debt - XXXX. 
Sent mail asking for verification / validation - No reply. 
Recieved follow up texts- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Called the office - respondents refused to identify themselves- had to ask several times. 
Calls placed on hold - no responses- or just hung up... 
This is not a valid debt- per acknowledgement of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023, I made a deposit with two checks ( # 1 {$110000.00} & # 2 {$10000.00} ) from the US Treasury at a local Navy Federal Credit Union ( NFCU ) branch and per their funds availability policy the funds were made available to me the next business day. However, 24 hours after the deposit, and having made the funds available, NFCU opted to then arbitrarily put an extended hold on the funds and reversed the availability from my account. NFCU did this without warning ( an email was sent after the fact ). NFCU provided no factual rational that justified their actions, and I was told by an NFCU employee that the hold was placed because the checks had a high probability of not being paid, which made little sense as the checks were US Treasury checks.

NFCU 's policy does allow for extended holds to be placed on funds for up to 5 days. However, their policy does not state that fund availability is subject to reversal after an initial hold has elapsed and funds have been made available. NFCU was not acting in good faith when it released the funds and then reversed that release without any fact based rational, evidence, or indicators of fraud. By NFCU 's explanation and rational, a customer has no way to tell when the funds actually become available, i.e., the customer can not rely on the balance shown in their account at any time until 5 business days have elapsed after the deposit as NFCU can reverse the availability at any time without warning or proper justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND XXXX  FTC.

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 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: NM

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. 

The letters are stated with items and issues. 

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 2023-06-29 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.

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.

XXXX  Account # 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 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 2023-06-29 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: Experian Information Solutions Inc.

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.

XXXX Account # 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 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 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This company are ignoring the crimes reported to them such as blackmail, exploitation, money laundering and fraud. XXXX XXXX  who are posing to be con artists actively engage in felonies on XXXX  in which they blackmail, fraud and exploit people, to the point where they constantly promote it. Venmo doesn't suspend these accounts which goes against there community guidelines and federal laws. I'm pretty sure these XXXX XXXX  aren't notifying there IRS about the illegal money the make through blackmail. Stuff like this needs to stop. Companies need to have some accountability and responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion refuses to give me access to my credit score and my credit report. I have been trying for over 6 months. My identity was stolen and these people will get things in my name then it will stop and will start again after a year. It has been ongoing for year 's. The police caught one of them but the others are still using my information. I have been trying to get access to my report online and every time I try Transunion says there was an error or I already have an account which I do not.

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 2023-06-29 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: NC

Complaint narrative:
XXXX account has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I would like to file complaint against Apple Credit Card. 

On XX/XX/XXXX, I ordered fans that I'm planning to use as favors for my wedding. The vendor name is XXXX XXXXXXXX  XXXX XXXX. XXXX NY XXXX. The amount of the transaction is {$100.00}. Unfortunately, many of the fans have splinters and cracks, some are broken and does not look presentable for my event. I contacted the vendor right away via emails and phone calls but was ignored. As advised with Apple Credit Card representative, I returned the fans using the return address on the package since the vendor would not answer my emails. 

I disputed this transaction with Apple Credit card XXXX  times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but they sided with the vendor who is uncooperative/unresponsive. I do not have the products anymore, they should charge the vendor not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I had already attempted to have my case looked at through CFPB case # XXXX They closed it based off the Lenders response. 

I am attaching my information through a letter I am sending XXXX XXXX tomorrow. 

I have emails from my HUD certified counselor proving " Dual Tracking '' during All 3 Foreclosures. 2 have been vacated. The next one is XX/XX/XXXX I still have XXXX Notices of " Error of Resolution '' still active. XXXX is still going to move forward with Foreclosure. Promise! 

With a Notice of " Error of Resolution '' active they can not move forward with the foreclosure sale. 

Attached are also the Letters of " Reviewing File '' confirmation. Most recent was XX/XX/XXXX I qualified for a " Covid Recovery Options '' and/or " Standard Loss Mitigation XXXX XXXX XX/XX/XXXX. 

Contact with my HUD Counselor XX/XX/XXXX made my " Loss Mitigation Complete '' because I was working with a certified HUD counselor.

Communication between my counselor, XXXX  and XXXX will prove my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: NM

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.

The letters are stated with items and issues.

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 2023-06-29 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: TN

Complaint narrative:
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 XXXX XXXX XXXX Date opened : XXXX Balance Owed : {$0.00} The provision I mentioned, 15 U.S.C. 1681s-2 ( a ) ( 1 ), is a part of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates consumer reporting agencies and the use of consumer information. This specific provision pertains to the responsibilities of

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 2023-06-29 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: Experian Information Solutions 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. 

The letters are stated with items and issues. 

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