vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MY NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXXype Single family NOT MY INQUIRES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-02-18 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: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MY NAMES : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX NOT MY XXXX : XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I accepted an at home job that was fraudulent. They asked me to deposit funds into my account and forward them to the vendors that were to provide the computer setup for my home office. The checks bounced and I had already forwarded the funds. I believed that they wanted to get the funds into my name so they could 1099 if I quit. I submitted a police report. I lost {$4500.00} to the fraudulent job scam. It was an actual job that I applied for, but a fake HR representative. I contacted XXXX XXXX and let them know that there was a fraudster representing themselves as their representative. I provided them with all the information regarding the emails involved I also was victim to a romance scam. He claimed he was a solider and needed money to apply for leave. I Bitcoin him {$4000.00}. His online profile has pictures of a XXXX  in XXXX after further investigation and searching his picture.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America Claims department XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Case # XXXX additional documentation requested. Certified mail On XX/XX/XXXX, I visited the XXXX XXXX XXXX to suture an accidental skin laceration on my 55lbs. black Labrador retriever mix. Left over night. 
Charge for services : XXXX On XX/XX/XXXX, I returned to the hospital to remove the sutures. Staff had recommended to return for suture removal after approximately 10 days. This was obviously too early and unsound advice. Unfortunately XXXX XXXX ripped the skin back open during the suture removal attempt. Re-suture again. 
Left over night. 
Charge for services again : {$230.00} I believe the second charge of {$230.00} on XX/XX/XXXX should be refunded, due to the fact that it was too early and the laceration did not have enough time to heal properly. 
Also removing sutures should not be a courtesy, as stated by XXXX XXXX, after paying nearly {$500.00} for services. 

On XX/XX/XXXX, I returned the hospital again to remove the sutures. XXXX XXXX declined and recommended to wait and return in 4 weeks again just to be sure it had healed properly. 

On XX/XX/XXXX, I returned the hospital again, as requested, to remove the sutures again. This time XXXX XXXX refused to remove his sutures. He claims not to recall his return request, after 4 weeks. He recommended to remove the sutures myself or to just leave the sutures in. Claiming it is too risky for him, due to the inelastic skin of my dog. 

I believe, this is unacceptable professional business behavior by XXXX XXXX XXXX and should not be encouraged. 
These are the reasons, I have requested the charge of {$230.00} for the 2nd unnecessary service charge to be back charged to my Bank of America credit card. 
I also filed a complaint with the Colorado state veterinary board and I am prepared to take this matter to the small claims court, if the back charge should be declined. 
Thank you for your help and understanding. 


XXXX XXXX XXXX XXXX Included : 2 invoices, injury photos, BofA cc charge confirmation

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 2022-02-18 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: NY

Complaint narrative:
On XX/XX/2022, made a purchase at XXXX paying with PayPal. 

PayPal advertises Return Shipping on Us XXXX XXXX XXXX XXXX XXXX Through this program, PayPal reimburses return shipping costs if they are not free or provided by the merchant. 

I need to return the purchase made at SupplyHouse.com. They do not offer any free return, I have to pay for the return shipping costs. 

Therefore, I tried to use PayPal 's Return Shipping on Us benefit, and I could not initiate the process. In different computers ( home and office ) the screen does not load properly, there are empty boxes and blank spaces where a text should be ( attached ). It is clearly an IT issue, a bug in your system. 

I contacted PayPal customer service and then was transferred to a so-called specialist signing as XXXX. This person asked for sensitive information like full transaction detail, then I was asked to open the Terms of this benefit and was told I am not eligible. This so-called specialist is totally uninformed and poorly trained, and does not understand how this benefit works. This representative said that because XXXX has a Return Policy, I'm not eligible for this benefit at all. This is absolutely incorrect because this benefit is about covering return shipping costs, and not about accepting or not a return. This benefit covers return shipping cost when merchant does not provide free return. 

It is very poor service, coming from a so-called specialist. If this is the kind of specialists PayPal have, I can't imagine what else can be wrong at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am being harassed by XXXX XXXX, Comenity Bank and XXXX daily. Multiple times a day. They call me from different numbers, they call me from blocked numbers, they change their number to make it look like theyre calling from different area codes. Ive been making minimum payment as Im out of work and have been sick and my kids have been sick also. But they continue to harass me. The XXXX  XXXX ones are them also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: NY

Complaint narrative:
On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.

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 2022-02-18 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
AD ASTRA RECOVERY SE has been sending me collection notices in the amount of {$340.00} the collection has been reported as derogatory. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NY

Complaint narrative:
Equifax has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2
State: MO

Complaint narrative:
I have been called by Persolve Legal XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion lowered my credit score by XXXX points for no reason. My report shows no changes whatsoever, and when I called their support number to see what's going on they said I'd have to pay for them to tell me why it changed. How is this even legal?

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 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I the federal protected consumer or natural person pursuant to 15 USC 1602 ( g ) submitted a loan application for a {$100000.00} consumer loan and was denied based on credit which is violation of 15 USC 1691c. USAA Federal Savings Bank is in violation of 15 USC Code 1642, USC 1681 and 12 cfr 1002 because I, the consumer made an application in good faith, but funds were not issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: SC

Complaint narrative:
I've written XXXX XXXX ( XXXX XXXX ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I have been called by XXXX XXXX  XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Transunion because my character has been defamed. I demand that these inquires below be removed 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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I deposited my paycheck on XX/XX/XXXX via an ATM at my bank US Bank. It was for a little over {$3200.00}. They told me that the funds will not be available until XX/XX/XXXX. The account is not new - I opened it just under 6 months ago. The account has over 30k in the account. The payroll check in question cleared my employers payroll account on XX/XX/XXXX. I know this because I work in accounting at my employer and have bank access

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 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Hello my name is XXXX XXXX, I've brought XXXX XXXXXXXX XXXX brand new for XXXX Toyota and was financed through Toyota motor credit I traded in a car so the contract not making since how is the car was worth 42000 how my trade in was 7000 plus 3500 down and the car value was at XXXX its not making since that's the first complaint i contacted Toyota motor credit several times and keep getting the a ] run around my second complaint was when I tried to refinance the vehicle capital one been getting the run around from Toyota motor credit customer service not getting the payoff amount neither the apr that was financed through Toyota motor credit ask to speak to supervisor they are supposed to call back but no has called me back dealing with the major issue i have with this loan from Toyota things need to get resolved ASAP or I will consult in a legal team with the contract and other problems i have with this financed company, And third they are reporting to credit bureau one amount but mailing another amount for the outstanding loan i need clarification and Toyota or the dealership didn't obey the consumer laws in the contract so it needs to be abolished

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.

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 2022-02-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.

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 2022-02-19 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: TN

Complaint narrative:
I'm getting irritated since these elements from my report are still visible. You have not sent me any proof or documentation that has my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have been having issues with my Bank of America " Customized Cash Rewards Visa Platinum Plus '' for over a year now. Back in XXXX of 2021, I had called in for technical support, because for some reason, when my account was converted, somehow, my autopay option for minimum payment went away. So after speaking with two ladies in XXXX, they were still unable to help me get it figured out. After much frustration, they told me they were able to " reset '' my account so I could set up autopay with minimum payments. Nope. They finally did something in the background to where my payments would be made. I just realized that I've been getting " late '' fees since XXXX of 2021. Sometimes, the late fee is {$10.00}, sometimes it's {$3.00}, other times, it's {$39.00}. My autopay payments have been coming out and being credited to Bank of America the day it's due! 

I've tried to call in for support, but every time I get someone, the connection is so poor that I can only hear 50 % of what they're saying. This has only added to my frustration, and they always accuse me of yelling, even though I am extremely patient and calm. I encourage someone to pull the calls, because I have been hung up on, and frankly, been disrespected multiple times. I was finally able to get a hold of a supervisor, XXXX, who was able to confirm that instead of making minimum payments. It had only been set up for a fixed dollar amount. She was also able to reverse all my fees from XXXX through now. XXXX was extremely professional, clearly explaining what she was seeing on her end, and offered to help in other areas as well. However, unfortunately, the issues I'm experiencing seem to be outside of her control.

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