vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

ACIMA XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft XXXX XXXX XXXX Account Number : XXXX you are violating my rights on reporting an inaccurate report please update this to paid as agreed 2. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverified/no data information XXXX XXXX XXXX  DELAWARE Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted 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 explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
that debt that is in my credit is not mine I have not taken out any car with well fargo please help me what can I do

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 2022-06-21 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written 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 2022-06-21 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
A company called Gregory Funding based in XXXX XXXX and XXXX, OR assumed the servicing of our loan XX/XX/2020. Ever since, we have been disputing their accuracy in our statements. For the past 20 months, I can document and verify 20 payments, yet they continue to claim we are behind on payments ( in default ) and claim we owe more than we should and have threatened us with foreclosure. Their own records, obtained from their website, shows they have not posted 3 payments, even though I have the cancelled checks and bank records to document those payments. We applied for a refinance loan with another institution and we were conditionally approved at a lower rate, saving us thousands of dollars. All of my credit reports from 8 credit reporting agencies list me as good to excellent, above 750. Gregory Funding took it among themselves to give the institution a " poor mortgage rating '' which cost us the refinance. We were denied the chance to refinance based on Gregory Funding 's false reporting us as poor " mortgage rating. '' We have voluminous documents sent to Gregory regarding their continual false accounting. I believe my last correspondence will explain it in more detail which will be sent as an attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I received my Avant credit card in that mail and on XX/XX/XXXX I activated the card. Upon leaving work on that day I purchased dinner to go at a restaurant with the card, this purchase was approved. Prior to getting home I stopped at XXXX to get RX, this transaction was declined. I contact Avant the following day to see why the card was declined and was told that there was a fraud alert on the card. I informed the company that there was no fraud I was the one who used the card. In the following week I received a email requesting a copy of my picture ID and bank statement with my current address in which I did. I was told that the investigation could take between 30 and 90 days and that I would have to wait fir the results. I have recently been informed that the restaurant sent the receipt for the food to the credit card company to request payment a was told that I fraudulently used a credit card and purchased the food I received. This restaurant is a place I frequented prior to the pandemic and because I was scheduled to be in the office that week I wanted to eat there. XXXX XXXX XXXX XXXX XXXX XXXX  for more than thirty years and they have been informed that I used a fraudulent credit card to purchase food. I contact Avant again today XX/XX/2022 to try to get this issue resolved and was told that I need to wait until the investigation is done and when I asked for a supervisor because this would affect my job I was told that there was no one available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/22 my account was breached and unathorized transactions that stole {$3100.00} from my acct.The bank never notified me but the hackers did.I went to the bank on XX/XX/22 and had all mynaccount numbers changed and new cards issued.On XX/XX/22 my new account was breached again for {$340.00} while i was making police report again bank never stopped the activity and never notified me.Again had all accounts numbers changed again. On XX/XX/22 my @ nd new account ws breached again for {$1000.00} for the third dy in a row and the bank failed to stop it knowing my acct was breached prior two days before. all transactions were thru XXXX money app. Bank has done zero to stop these transactions and hasnt a clue to how this could happen.ive had my phone inspected by XXXX and XXXX XXXX and at no time did i have any viruses on my phone as the bank suggested. either the bank has a virus in its system or this was done from inside the bank. If i make multiple tranactions on my debot card the fraud dept puts a block on my card with no warning and i have to call them but they allowed 31 transactions to go thru my acct with out even thinking its fraud ... ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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

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 2022-06-21 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: AL

Complaint narrative:
In accordance with the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written 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 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, IL to purchase a vehicle. I consented to them running my credit for a XXXX XXXX XXXX. They ran my credit 12 times for hard inquiries. I went ahead and signed paperwork for the XXXX XXXX  that day and they had to put it through the shop. On XX/XX/XXXX salesman XXXX texted me and said the vehicle needed a new engine and that I could either continue with the car or they had a XXXX XXXX for me for {$600.00} a month. I said to go ahead and fix the XXXX XXXX. On XX/XX/XXXX they continued to run my credit an additional 7 times for hard inquiries for a XXXX XXXX that I did not consent to. I have called the company multiple times and left messages for the finance manager. He has not returned my calls. Today XXXX XXXX I called the GM XXXX and he said he would look into it and call me back. Instead I get a message from the salesman once again asking how he could help. I did not consent to XXXX running my credit that many times and they are not willing to explain to me why they ran my credit that many times nor explain to me why they ran my credit for a vehicle I did not consent to.

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, my son XXXX attempted to transfer XXXX to me via XXXX XXXX. He and I both had Chime Accounts and the, money was sent between them. However, the transfer ended up at XXXX Bank versus being transferred to XXXX Bank. I am attaching the same information that I sent to Chime Bank and the XXXX XXXX XXXX, so that it can be reviewed by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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
Consumer complaint received 2022-06-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
spoke with XXXX at XXXX XXXX on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt. I have asked equifax to send me proof and validate this account but they only update the status as account verified but does not send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
It came to my attention on XX/XX/XXXX that XXXX large Electronic withdrawals had been taken from my US Bank savings account.The total amount of all XXXX amounted to {$41000.00}. 

This is a savings account I opened in XXXX  XXXX after the death of my husband. I have never withdrawn money from this account, never transferred money from this account, it was just my nest egg. The first withdrawal was dated XX/XX/XXXX. This amount appeared at the very bottom of my XX/XX/XXXX ( which I received XX/XX/XXXX ) statement as a small XXXX line entry. Because I have never touched this account I admit I overlooked this. This Electronic withdrawal and the following XXXX others all went to XXXX XXXX. The next months statement I did not receive, at the time I was receiving paper statements from the bank. By the time I received the XXXX statement I could not believe what I saw. My savings was considerably lower. I immediately went to my bank and began the process. 
Thankfully I received all my money back EXCEPT the original {$11000.00} which my bank tells me I waited more than 60 days to notice so they can do nothing. Fraud is fraud. They know where this money went. I trusted US Bank with my savings. Never received an alert or notice or even a phone call or e-mail of any kind about unusual activity. I want my funds back. 

I have provided any and all paperwork the bank required. I want US Bank to fulfill its fiduciary responsibility to me and return my money. I thought it would be safe to deposit money in a bank, but US Bank has proven otherwise

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 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022 I starting receiving text messages that A XXXX XXXX has sent me XXXX dollars into my Venmo Account. I received several of these texts equaling a total XXXX XXXX. Immediately I starting having withdrawals from my bank account through my attached debit card of XXXX. I was quick enough to catch the XXXX withdrawal and was able to cancel my debit card through my bank. I still have pending withdrawals in my Venmo account and I am afraid that Venmo will come after me for this money. I have contacted them and after their investigation they have determined that I have violated their policies and frozen my Venmo account and closing the one I have. They also said that the XXXX dollars will be held up to 180 days before they will refund it to me. Their customer service seems to be in a foreign country ' and it is hard to understand them and was told by the person I talked to that I was to reply to the email they sent me because that is the only way I can talk to the person handling the complaint. In my reply to the email I told them I have not committed any fraud and that the XXXX dollars is not mine. My financial institution has determined that fraud was committed against me and that they are going to refund me the XXXX that was taking from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 

Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of no nexistent damages.There was no damage to PayPal and I believe their claims are false. 

All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction XXXX of total {$2000.00} XXXX - XX/XX/2022 at XXXXXXXX XXXX PST. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, theyhave failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. 

I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you, Best Regards

Company response to consumer: Closed with explanation