vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint with all 3 credit bureaus ( XXXX, Equifax, XXXX ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021, TransUnion credit reporting agency reported degraded credit scoring information : Unpaid collections Too many inquiries Also, the reported response was sent to my home ; however, the person directed to has a different last name : ( XXXX ) not ( XXXX ). Please required TransUnion remove this degraded information and my address from the account associated with XXXX XXXX, since my name is XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-06 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: SC

Complaint narrative:
It is unlawful for any consumer reporting agency to furnish inquiries that the consumer did not initiate according to the Fair Credit Reporting Act. For the record, I did not initiate the following inquiries : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - 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 2022-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Have been a victim of identity theft and relayed supporting documents to the company to display this but was meet with continued refusal to adjust the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I learned that Synchrony Bank closed my XXXX XXXX XXXX and Amazon Credit card sometime in 2022 without my knowledge or without sending me written or electronic notification. I would not have found out about the account closures unless I had applied for a mortgage in which the lender brought it to my knowledge that these accounts were showing " closes '' with past due balances. 

I called Synchrony Bank and they told me they closed my XXXX XXXX because I had a returned payment in XX/XX/2022. They were not able to inform my as to why they closed my Amazon card. They told me that I could request to have my account re-opened but it would take 30 days to review the request and to please call back in XX/XX/2022. 

I do not have any documents to submit for my complaint as Synchrony Bank has not formally notified me that my accounts are closed - However I can not use my cards even with the available credit on the cards as they are deemed closed. 

I have read that similar situations have happened to numerous other Synchrony Bank cardholders. 

Closing an account without notifying the account holder is alarming and not professional. Please investigate the actions of Synchrony Bank. 

Thank you in advance.

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 2022-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX  about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: AL

Complaint narrative:
I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So XXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX and XXXX reports negative information. I contact XXXXXXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX XXXX XXXX. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: AL

Complaint narrative:
I use to owe XXXX XXXXXXXX XXXX credit card. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So iXXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX  and XXXX reports negative information. I contact XXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative XXXX  remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.

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 2022-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Credit Services, LLC
State: NY

Complaint narrative:
Someone got my information when I was a child and open an account with XXXX at the time I was a child and knows nothing about this until I received this mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on Equifax closed accounts as accurate and on time. Equifax is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and XXXX score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on XXXX closed accounts as accurate and on time. XXXX is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and vantage score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX, 2019 I established an account with XXXX XXXX XXXX XXXX because I was unable to pay the full amounts due on my credit cards. My payments to them started in XXXX, 2019. I have made payments to them as agreed. I have not missed a payment since my account was set up. I have monthly statements from XXXX XXXX XXXX showing dates, payment amounts, and reference numbers for each payment to every creditor. My credit reports from XXXX, XXXX, and Trans Union indicate that I have been 30, 60, 90, and 120 days late on some payments. This information is extremely inaccurate! My creditors give me credit for payments they received in later months for the exact amount they received in the earlier months when my account originated with XXXX XXXX XXXX I sent copies of my statements to XXXX, XXXX, and Trans Union. I have asked them to delete the inaccurate information from my records. I have not received a reply as yet. This inaccurate information has caused me to suffer extreme financial hardship. I have been denied the ability to refinance my mortgage. I have received very low credit limits and very high interest rates on my new credit cards because of these inaccuracies. Please instruct XXXX, XXXX, and Trans Union to immediately delete the inaccurate information from my records! 
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 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Abra
State: CA

Complaint narrative:
Hi. I'm filing a complaint against ABRA, a crypto exchange company. $ XXXX of my digital assets were stolen from the ABRA exchange. ABRA is not taking responsibility for the gross negligence on their part. My account was initially hacked in XX/XX/2021 and I immediately informed them about it. They failed to protect my account and did not respond to my concerns until nothing was left in my portfolio... zero, zilch, nada! I could not even access my account to withdraw the remaining funds. ABRA kept reiterating that transactions on the blockchain are irreversible. But I informed them of the initial incident when I still had around 90 % of my funds left. If transactions are irreversible, they should have protected or froze my account after I first found out it was hacked. I asked ABRA to secure my account before the hacker took out the remaining funds in my account. They did not protect my account. They ignored my emails. When they finally responded, I was left with ZERO balance in my account. This was an inside job. No 'hacker ' has access to my account - phone, SIM card, Recovery Phrase. I did not have it written online or on my phone. There was no way anyone could have accessed the Recovery Phrase... I am 100 % sure! Also, my phone number hasn't changed. I've had the same number for the last 20 years or so. I've sent them so many emails because ABRA doesn't have in-person/phone customer support and this is such a significant monetary loss. Not only are they non-responsive, but they also blocked access to my own account. To this day, I can't log in to view my portfolio. Last I checked, it had {$0.00} balance - all funds were totally wiped out. That is outrageously horrendous customer service. When they do respond, ABRA is copying and pasting their previous boiler plate response without offering any resolution. Why is ABRA giving me the runaround? I've seen the same highly critical ABRA complaints in the XXXX XXXX XXXX ( XXXX  ) reviews/complaints, App store reviews, etc. I'm available XXXX to answer any question via phoneXXXXemail. Please assist me in retrieving my money back. Thanks. 
P.S. I have written a very detailed timeline, screen shots, and email communication with ABRA ( attached below )

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 2022-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Subject - PPP1 Loan forgiveness Application. 
SBA PPP Loan Number - XXXX / Lender PPP Loan Number - XXXX Business Name - XXXX XXXX XXXX NJ, XXXX Address : - XXXX XXXX XXXX, XXXX, NJ XXXX Subject : - Loan received against PPP1 from Bank of America Dear Sir / Madam, We received our PPP1 funds on XX/XX/XXXX. It was my understanding the loan amount received with PPP1 was based on XXXX 1st QTR payroll. While applying for a PPP1 Loan forgiveness application I am being told that forgiveness is now based XXXX Income and not based on XXXX 1st QTR payroll. 

PPP 1 Loan amount Received = {$38000.00} ( This amount was approved based on XXXX 1st QTR payroll ). While applying for Loan Forgiveness BOFA portal says it approved for = {$18000.00} ( which is now based on XXXX Income ). The bank is now asking me to return {$19000.00} While we have utilized 100 % of the funds ( {$38000.00} ) which were received in our payroll expenses for the year XXXX. We are being asked now to return a portion of funds. We planned based on the funds received which allow us to retain employment. 

I have made several attempts with Bank of America to look into the matter, but have always hit a brick wall. I have filed an appeal with the Office of Hearings and Appeals on XXXX XX/XX/XXXX. Awaiting response for the same. 

My request is to forgive the balance amount of {$19000.00}. 

I can be reached at my cell # XXXX to discuss further. 

Thanking you 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 monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am receiving unsolicited offers in the mail from Citi Bank. I have attempted to resolve this multiple times by opting out of paper statements, adjusting my marketing preferences, and reaching out to their privacy contact line. 

I have registered to opt out of all offers, but they continue to send me mailers. I am exhausted dealing with this creditor and their blatant disregard for my data privacy and communication preferences.

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 2022-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Association
State: TN

Complaint narrative:
I am challenging CBSA to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement that I have with CBSA to prove this matter? CBSA 's failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement between CBSA and I that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. CBSA is the name on my consumer report. I want CBSA to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? If so, Why is CBSA on the report? I demand CBSA to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). I have contacted you on multiple occasions, disputing this matter. CBSA 's failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Having issues with Equifax. They are reporting my credit score XXXX points below XXXX and XXXX. I can't log on to the website to get my current score ( myequifax ) because it is down and has been down for several days. I called them to get information and all they could tell me is its not as low as reported but they could not tell me the score. They said keep trying the website but it has been down for almost a week. I can't see my score or file any disputes because they have me locked out. They are holding my credit ransom and there is nothing I can do about it. This has to be criminial!

Company response to consumer: Closed with explanation