vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I settled on the sale of my home in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I received an email from the mortgage company, XXXX XXXX, on XX/XX/XXXX congratulating me on paying off my mortgage. I received a release of lien on the house dated XX/XX/XXXX. 
I sold my home to get out of debt and to move to XXXX  to be near family. I recently checked my credit score on my XXXX credit card and saw that the mortgage balance of {$96000.00} was still on my outstanding balances. I called XXXX and they gave me a phone number for Experian which I called to no avail. Today I checked my XXXX card and got the same result. I researched online and found that Experian makes it almost impossible to reach a human. I called every phone number for Experian I could find and got the same recording foreach one, leading nowhere. 
I am concerned that I have been on the waiting list for an apartment in XXXX  since XX/XX/XXXX. I prequalified but I will have to requalify when an apartment is available which should be in the next few months. I am XXXX  and worked part time until the end of XXXX. The rent is income related but Experian 's incorrect information is making my credit score worse, not better. These reporting companies should be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: CA

Complaint narrative:
Someone pulled out money on my direct express card in some other town with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Unauthorized inquiries on my account I have a case for that was never resolved and it has been well over 30 days SYNCB/PAYPAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX promised to look into the investigation for me, but I still have not been updated, they are well aware that it has been more then 30days, but they are not taking any steps in my defense to resolve the issue. The additional inquiries has negatively affected my potential loans in the previous months and I want justiceI talked to the bankers who also said they would send notice of a inquiry to XXXX  for the removal on behalf but nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was recently offered a pre-approved offer for a loanadditional lot I was granted 3,000.but once I applied they said I was only allowed to get up to $ 1,000.once I did I was constantly called and harassed on the phone to complete my application, but I ask them what was required of me to be able to received a loan before I even finish applying, I called back they said all they needed was my banking statements for proof of payments, I sent my business formation information and my ID, he said all the other information was in good standing which I provided 2 recent months and I know those 2 statements could even cover the {$1000.00} standard of what was made out to me.I wasnt offered any type of payment plan, just instant denial and a hard inquiry after I submitted the additional information to the rep on the phone.which is insane after I read my monthly payments could be as low as {$50.00} so Im trying figure out why wasnt I offered anything after all that, and they claim a letter will tell me but I believe that to be a lie, this was a targeted offer to me so they knew enough information about about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022 I received a Visa Gift Card ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXX, TN on XX/XX/2022. I was never in XXXX, TN and did not use the gift card at that merchant. The card in question was somehow registered to another user. 

I contacted Visa at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed Visa ( fax number XXXX ) ; 1 ) A copy of the gift card, 2 ) A copy of the receipt that purchased the gift card, 3 ) A copy of my driver 's license. 

On XX/XX/XXXX, I followed up with Visa and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to Visa with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. 

On XX/XX/XXXX, I again followed-up with Visa about the status of my second fax. This time Visa informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. 

My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. 

In my opinion, the Visa company is making this process intentionally difficult for persons making a valid claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: PA

Complaint narrative:
On XX/XX/2022 I discovered XXXX XXXX had been re-inserted into my Equifax credit file. You are required to notify me within five ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. Equifax is in VIOLATION of Federal Law 15 U.S. Code 1681XXXX. My federally consumer rights has been violated. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations, if this account is not Deleted from my account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIRST HORIZON BANK

Complaint narrative:
Tried to transfer money from my us account so phoned them as I live in the XXXX now said they wouldnt do it over the phone and I had to contact an institution and write a cheque so I contacted XXXX XXXXXXXX XXXX 3 months ago just heard back that my bank is refusing to acknowledge any paperwork they send what can I do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally relies on a network of dealerships that serves as intermediars who originate financing deals with customer. However, Ally Finanical controls all aspect of the loan process. The dealer has no role in approving, making docmenting, funding, holding, servicing, or collecting the loan. Auto lenders are required to follow standards that ensure borrowers can repay their loans. No paystub, employment, and etc was required to open this loan because if due diligence was done Ally wouldve known that I never had a job in my life. How can a loan application get approved if the customer has no way to repay the loan. Ally has predatory lending and deceptive debt collection practices. XXXX XXXX XXXX was sued for the excat same predatory lending and deceptive debt collection practices. The AG of PA should follow. Delete this account from All XXXX  ASAP! This is Sub Prime lending at its best!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
I have been trying to settle a debt that is shown as a " charge-off '' on my XXXX Credit report with Citibank ( Best buy ). I have attempted to settle the debt numerous times now ( at least XXXX ), always speaking to a different representative but as we get further into the conversation before the actual settlement agreement is stated, I assume the call disconnects or the operators stop responding. 

Phone number called : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Activity : 60 days past due The continue to report the wrong balance on my report. They also continue to report it as if I have not made payment. It continues to increase in date. 

This information below is the actual amount owed on this account. 
Recent Account Activity Date Type Details Status XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX / XXXX / {$0.00} XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXT ) / XXXX / {$2100.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I went through court to fight my ex husband from termination of maintenance and won case with my lawyers help. I was suppose to receive a check on XX/XX/2022 so I made plans to have some creditors get automated payments that day. Well check didnt come so my mother and I wrote check from her bank account to cover these bills so they wouldnt bounce. Well payment didnt come till XXXX and then her bank didnt honor checks ( we planned on having money to put in that account too out of ex husband check I received {$2000.00} x 2 and {$5600.00}. Everyone was paid but now bank has account on hold for risk fraudulent activity. My ex husband just stopped payments without notice in XXXX my credit and all accounts are closed and Im left with out credit and bank accounts and owing about XXXX to bank accounts and creditors too. Im XXXX and very sick with XXXX  and XXXX and on XXXX prescriptions I can not handle this stress on top of what last 9 months I went through. Now Im getting terrible calls and bank has collection agency pursuing money and they wont release any so I can pay bills please help and if I did something wrong Ill make it right!! Theres hold on my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a issue with a investigation regarding Bank of America here is the information BANK OF AMERICA ( Bank ) XX/XX/2021 I opened a bank account over the phone for my Business since the banks were not taking business account people in the bank without a appointment because at the time it allota of people in person opening accounts.I was offered to apply for a BOA credit card on the same day I opened my account, I said, if it effects my credit score I do not want to apply, if you or they have a recording on that day.I said thatbut the teller ran my credit with a hard inquiry anyway after I was done with my bank account, and I called back to say I didnt authorize them to do that, but they wrote a note and said I agreed with NO proof lbs I was signed up over the phone so I didnt input any information on my behalf.so they are lying to protect their image and their employee at MY expense, thats why I have not even used the banking account because of a grudge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MD

Complaint narrative:
Issue : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with Transunion during XX/XX/XXXX once discovered the negative filing on the credit report. Transunion confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. Transunion system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.

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