vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PAYPAL Reference Nos. : XXXX, XXXX, XXXX Reference is made to the above issues that have been discussed and escalated with Customer Service over the past month . Deposits were made from my PayPal account to XXXX that were deposited to another account in error. The transfers from PayPal were sent to the wrong XXXX account in error. The transfers were for the sums of {$1000.00} ( Trace ID # XXXX ) and {$350.00} ( Trace ID # XXXX ) The proper XXXX account was XXXX and the funds went to account # XXXX. 

XXXX has confirmed that the funds in fact went into the wrong account and they are willing to correct the problem. Their advice is that the proper procedure is for the sender, PayPal, to request the return of funds from XXXX ( now XXXX XXXX ) and submit a Letter of Indemnity in the form that I have given to PayPal. 

I have contacted PayPal no less than a dozen times and they simply fail and refuse to request the return of funds from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: LA

Complaint narrative:
XXXX submitted a 1099 C to the IRS evidencing them discharging the debt for the full amount in which I received a copy B. I supplied this 1099 C Copy B with Experian on XXXX XXXX I was advised it would take 24-72 hours to update the changes. On XX/XX/XXXX XXXX was removed from however Experian said they could not and would not remove the other 11,000 despite me supplying them with proof ( 1099 C copy B ) that the debt was discharged. I tried talking to 3 or 4 different agents and a supervisor. None of them were willing to help or allow me to explain what a 1099 C is.

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 2023-10-24 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: SECURITY FINANCE CORP
State: AZ

Complaint narrative:
XXXX XXXX of SECURITY FIN # XXXX is in violation of the FCRA for the crimes of Inconsistent Reporting and Inaccurate Reporting. Security Finance has provided inaccurate information to the credit reporting agencies. For instance, the accounts payment history is inconsistent, showing late payments of XXXX, XXXX, XXXX, and XXXX  days late and then reverting to 90 days late. And I received a letter XX/XX/2023 stating that the information is accurate and they reported it to XXXX and XXXX but i dont have it reported to my XXXX credit report and if no payment was made after XXXX LATE DAYS, how could it revert back to XXXX LATE DAYS? These inaccuracies constitute violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which obligates furnishers of information to ensure the accuracy and integrity of the payment history they provide to credit reporting agencies. I have submitted supporting documentation that outlines these violations and discrepancies committed by Security Finance on my consumer report under the FCRA. I request an immediate re-investigation and the removal of the account in question due to these infractions. Additionally, to avoid inevitable legal action under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681o ( a ) ( 1 ) ( A ) for these violations, I kindly request that you include a {$1000.00} check as compensation. {$1000.00} per violation for statutory damages sent to the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have paid my credit card bill of amount of XXXX $ to XXXX XXXX before i closed my account they are reporting my credit agency to transunion as not paid which is not right i have proof of payments made still my credit report transunion is showing unpaid i want to get it removed so my credit score gets fixed thanks

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase continues to put holds on my business accounts and restrict my cash flow, this time for an internal transfer from one account to the other. The hold states they need time to " collect from the paying bank. '' What do you even mean, its the same bank! This wouldn't have even happened if Chase hadn't completely wrecked my cash flow with the prior hold.

Chase continues to harm my businesses cash flow through their actions and lack of care for their clientele.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well. 

Here are the accounts late payments need to be removed from. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I sent payment of XXXX to Nalnet to see if my payment went through, and it didnt. So I went on their website and made a payment, by doing so it made me sign up with automatic payment. I cant cancel it and Im afraid that this week a second payment will be taken from my bank before I can cancel it. I tried for weeks to email call, and even been on hold for several hours with no answer. To written response back from my email either. I only receive automatic email response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : 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 2023-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date 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 2023-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: NJ

Complaint narrative:
My card was locked. When I called they stated due to suspicious activity. They did not email, call or text me to make me aware they went and locked my account instantly. There was no suspicious activity. I asked for the protocol in this situation which they could not tell me because they didnt know what to do. My account has been locked since XXXX  and they asked for proof of my social security number and license which was provided with a reference number they needed. Still they did nothing. They then asked for my four digit pin which I have never heard of a bank ask for a four digit pin since thats supposed to be personal. I spoke to a supervisor who couldnt give any type of information. Everyone I spoke too has been clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mother recently passed away. She had a reverse mortgage with Carrington Mortgage company. 

I requested by e mail a request for the payout of the mortgage. Weeks later l received a payout response dated XX/XX/2023 described as being good through XX/XX/2023. ( payout 1 attached ) I have been communicating with XXXX XXXX, an employee who has been completely unhelpful. 

My brother XXXX paid the principal, interest and XXXX  total of {$72000.00} on XX/XX/2023. ( payment attached ) The payout had also listed charges for attorney cost and fees of {$570.00}, appraisal of {$420.00} and property inspection of {$40.00}. We did not pay those charges. I have closed out mortgages before and have never encountered such charges. XXXX informed me that the loan was in default and this resulted in attorney fees. We were never informed verbally or in writing of any impending default. There has been no appraisal or inspection of the property and I see no legitimate reason for these. XXXX informed me that these items were in my parents agreement. I have requested a copy of my parents agreement/contract and received none. I requested a copy of the attorney work product responsible for the {$570.00} charge and received none. 

A second payout document was sent to me dated XX/XX/2023 ( payout XXXX ) and described as being good through XX/XX/2023. The principal, interest and XXXX  were different on that document without explanation. The appraisal fee was increased from {$420.00} to {$870.00} and a new fee for title cost appeared for {$290.00}. There has been no appraisal or property inspection. The total payout increased from {$73000.00} to {$75000.00} despite the fact that Carrington had been paid {$72000.00} on XX/XX/2023. 

I was informed my complaints would be sent to their complaint department and have received no response. 
On XX/XX/2023, we received the {$72000.00} wired back by Carrington Mortgages. ( attached return of payment ) This was total payment of principal, interest and XXXX  that we had a right to pay. It was paid to Carrington on XX/XX/2023. 

On XX/XX/XXXX, I requested an updated payoff document. Today I have again requested a payoff document and received XXXX later in the day. ( payout XXXX attached ) The new payout document fraudulently added thousands dollars in increased principal, interest, attorney costs, appraisal costs for an appraisal that was never done and inspection costs for an inspection that was never done. They refuse to respond to my legitimate questions. They never sent notification of any impending default. They refuse to send me a copy of my parents contract. They refuse to tell me who the lawyer is making these ridiculous charges. No doubt, they are engaged in these types of activities with many grieving families throughout the nation. 

This company engages in unlawful and fraudulent charges to my family after the death of our mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX Capitol One without prior notice closed my savings account with all my savings in it in the amount of {$22000.00}, and they have delayed the process of giving me that money, even after several phone calls with manager level representatives. 

I called Capitol One the day the account was closed on XX/XX/XXXX and talked to a manager in the customer service department they told me that they couldn't find a reason why the account was closed, saying that it looks like an email from the office of the president of their company close the account. I told them that I needed access to my money as soon as possible. The representative told me that they could cancel the check and electronically transfer the money. Thinking this would be the fastest way to get my money. I asked them to do this. I gave them my new address because the address they had on file where they sent the check is an old mailing address. 

I followed up on XX/XX/XXXX with another phone call and another manager in their customer representative section. They told me that there was no answer from the president 's office about why my account was closed and that it appears that they were still attempting to cancel the check, the initial time frame I was given of getting my money in a few days was not met and this manager told me that perhaps on XXXX  or XXXX  of the next week on XX/XX/XXXX my money would arrive to my bank account. 

On XX/XX/XXXX I called the bank again after receiving an email from Capital One saying that I had to sign an affidavit and get a notarized, spending my own money, and mail it back to them in order to stop payment on the check and to initiate any transfer my money to me and that this could take up to 95 days. I could not wait 95 days to get this money so I called again and I spoke to another manager. The information about my complaint on this day is below for tracking purposes. That manager attempted to get the money from the original check that was mailed to me and that I had originally been told could be canceled quickly uncancelceled so I could cash the original check sent to me. She told me that she could not find any notes in the system from the president 's office explaining why my account was closed. 

Ticket number : XXXX Badge number : XXXX, name : XXXX XXXX team I have been denied funds for my own bank account for a week now and this is critical because I was told by them originally when this account was closed that I could get it back quickly in a few days. This is not true. They're now attempting to hold my money for 95 days. On top of that, they have not done any due diligence to explain to me why this bank account was closed, which is a complete mystery to me to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief