vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active is different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.

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 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Wednesday, XX/XX/2022, I received a text message from the Bank of America fraud protection team asking if I authorized a {$460.00} charge to XXXX XXXX. I did not authorize this so I replied no. I checked my bank account and XXXX account and there was no purchase or money withdrawn. I went to XXXX and looked up the bank of America and check the back of my card and called the #. I called it. I believe the number was spoofed. I was asked to transfer money by XXXX from my checking to myself ( my email address ) as a refund for {$2700.00} and it happened again for {$800.00} making it a total of {$3500.00}. I went to the Bank of America XXXX in XXXX XXXX, Md to ask if this was a fraud and how could I call their phone number, and it was a fraud. They told me it happen before. I made a formal complaint/claim with the Bank of XXXX XXXX I received an email from XXXX XXXX that a bank transfer to my email address and account. I don't have an account with 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 2022-04-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 2022-04-16 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 2022-04-16 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 — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
HERE IS THE POLICE REPORT ATTACHED! I have faxed to the fiserv email, yet no reply!!! 

Money network refuses to review this " new '' correspondence. 
Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While I was reviewing my credit reports ( equifax ) came across soft inquiries. Now I don't care if it is a promotion or not I never authorized anyone to check my credit history or credit score. This should be illegal for it seems to me that is ID theft, or at least leading to do something illegal. 
XX/XX/202XXXX XXXX Promotional Inquiry XX/XX/2021 XXXX  Promotional Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: PA

Complaint narrative:
I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.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 non-monetary relief
Consumer complaint received 2022-04-16 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: PA

Complaint narrative:
I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
I bought XXXX XXXX XXXX year ago .I transfer money through my bank'account in XXXX XXXX ( XXXX XXXX .I tried to withdraw my funds four months ago to my subject account in XXXX however I get the same message Quote Payment method unavailable in your region .We are working making it a possibility soon. 
Unquote

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: FL

Complaint narrative:
A medical account was opened after theft of my identity. AR Resources , Inc. illegally obtained this account with private health information and is also attempting to collect an alleged debt from me that I do not owe. This is false and misleading representation because I have never contracted with AR Resources , Inc. nor did I provide location information to this third party debt collector to contact me directly or indirectly. They have threatened to harm my personal reputation by illegally reporting this inaccurate and invalidated information to consumer reporting agencies if the alleged debt remains unpaid. AR Resources , Inc is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Good morning, Around XXXX & XXXX I went through some health issues & spent most of my time going to the doctor because they were not able to figure out what was wrong with me. 
I had to go specialists from XXXX XXXX XXXX XXXX XXXX XXXX, countless of blood work & so on. 
As you can imagine it was the hardest moment of my life & was not able to pay in time to my credit cards. 
Credit cards providers were called & explained the situation but no one was willing to work with me unfortunately. 
after many calls & good faith letters they were not able to remove those late payments. 
Time passed & was able to get back on my feet, all credit cards were paid off & balances were taken down. 

It has been 3 4 years since my fallout & no payment has been missed, everything was working wonderfully until we tried to purchase our first home. Hurts my heart that after all I went through to pay each and every creditor those late payments are still hurting my credit & not letting me & my family move forward. 
if my case was were I did not pay them I would take full ownership of my actions & in this case it does not apply to me. 

It would be life changing literally if you could help me take the next step forward. Please consider my words, actions & help me to the best of your abilities. 


Following accounts have reported late payment in the past. 

XXXX XXXX XX/XX/XXXX - 30 days Past due payment XXXX  XX/XX/XXXX - 60 days Past due payments XXXX XXXX XXXX  - XXXX XXXX 30 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days past due payments American Express XXXX XXXX- 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due payments XXXX XXXX I lost my job right after I purchased the car & had to work my way around to prioritize my bills. car is now paid in full. 

XX/XX/XXXX - 30 days past due XXXX & XX/XX/XXXX - 30 days past due payment. 

Thank you so much & have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: AL

Complaint narrative:
Penn Credit Corporation sent me a letter dated XX/XX/2022 which I received in my mailbox days later in mailbox regarding a debt and I mailed a dispute letter requested dispute of debt on XX/XX/2022 and requested a validation of the debt which I kept copies. In their letter on XX/XX/2022 they said I could dispute by XX/XX/2022. If you do not dispute we assume the debt is correct. I wrote in letter if they did not send me a validation letter according to the Fair Debt Act it should be removed from credit report. I also mailed a certified letter and received a green return signature card after they received it. They had 30 days to send me letter of validation of information requested and did not receive anything with that 30 days. Then they sent another letter on XX/XX/2022 ignoring my letter of validation asking me to pay the debt. Failure to do so they stated in letter will lead us that I had no intention to pay the debt. They still did not send a validation letter at all. You are not supposed to send letters about payment until a dispute is done. Today, XX/XX/2022 in my informed delivery of USPS mail which I have copies they sent me a letter saying they verified debt with me which they did not and never sent me info. Just received a letter today on XX/XX/2022 and letter was stamped and mailed on XX/XX/2022 from Postal Service. Stated they verified information with me on XX/XX/2022. By law I had a right to validation and they must send a validation letter thats requested within 30 days after dispute. This is a lie. They never did within that time. I have copies of everything. I want this debt collector information and debt removed from all my credit reports. They are not going by the law of Fair Debt to consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TX

Complaint narrative:
portfolio recovery account # XXXX date opened is different from XXXX then experian XXXX date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX  date of last active XX/XX/XXXX experian date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.

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 2022-04-16 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:
Hi, My name is XXXX XXXX. 

I have reached out to the XXXX about reporting incorrect information on my consumer report. I have connected XXXX six times about this matter Via online, phone, and mail. The account with XXXX is currently in ligation. I do not owe this alleged debt. I DEMAND that this is deleted.

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 2022-04-16 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: TX

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

15 U.S.C 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2022-04-16 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: TN

Complaint narrative:
Accounts closed or paid off still shows

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 2022-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I received a letter from Commonwealth Financial Systems. This letter shows it was dated XX/XX/2022. This letter informed me they were attempting to collect a medical debt on behalf of XXXX XXXX XXXX, whom I had already disputed this debt with but never received any valid proof of in accordance to the New Regulation F. 

Upon receipt of this letter from this new agency, I sent a dispute via certified mail on XX/XX/2022 which shows a confirmed delivery of XX/XX/2022. When I woke up today - XX/XX/XXXX - I received a notification from my credit bureaus stating a new collection account was added to my report yesterday, and my score dropped XXXX POINTS! 

I NEVER received any sort of valid proof- as requested - about this debt nor did this company wait any " reasonable '' amount of time before adding this account to my major credit reports, causing detriment to my name. They waited ONE WEEK before reporting this, on the day my response shows delivered. I responded 3 days after I received this in my mailbox. This is not reasonable whatsoever. In my attempt to call them with a request to remove this from my report, they refused. They advised they mailed me a letter XX/XX/XXXX and had waited a " sufficient '' amount of time. They're in PA and I'm in TX. It is obvious time needs to be accounted for when waiting for a consumer to receive notice and respond regarding an alleged debt. 

What is the purpose of passing federal regulations if they are not going to be followed? I respectfully request you look into this matter and hold Commonwealth Financial Systems accountable for violation of 12 CFR Part 1006 ( a ) ( 1 ) ( ii ) ( Regulation F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal put my account on a permanent hold stating my activities were against their policy. They were not. I purchase items and receive a rebate for the item. Nothing illegal or unethical. Companies do this all the time to get their products known, promote customer loyalty, etc. I had no recourse and they said they would hold my {$180.00} for 180 days. After that time, I called them and they said they were keeping the money. Today I received an email stating someone added their phone # to the account. My ccard #, bank account, home address and SS # are all in the account. I called to get the account closed and they told me because it is on a permanent hold that is not possible. I spoke to a manager and was told no one is allowed to close the account for me. So, I can not remove the information, receive my funds back nor close the account. They told me the account can not be used but yet someone hacked into it. 
https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full? msclkid=ec0639babd9711ec9f22e8adbfc6a33e

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Meritize Financial Inc.
State: CA

Complaint narrative:
I went to school in XXXX got a loan from them, when XXXX hit they are still charging me interest when all interest shouldve been on hold now, i didnt finish my classes and restarted in XXXX which they now gave me another loan, however covid was really not helping and I got super stressed out so I couldnt finish the classes again. I called them because they charged me for the entire amount for thr program even if I only took a couple of classes and they were also still charging me interest despite it being covid and now they sent me an email that they capitalized my interest with my loan. I called and they just told me that the specialist was supposed to call back but no one ever called ne back. This has been really stressful dealing with this and up to date now they are about to change my loan to a different company without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
Origination fees were omitted from verbal discussion and I was charged {$12000.00} in just fees to finance a solar unit that was {$15000.00} for just the unit. In what world is it acceptable to charge points and fees in excess of 70 % of the financed property. 

I would also like to add that my credit is in excellent shape, making the fees more ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello yes, my name came up in XXXX again for a amount that I have sent the required fee to have this former account closed as stated. It's with Bank of America a older checking account dated 2018. I have paid their collections department before being notified by XXXX XXXX  and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

Bank of America XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in XXXX report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and Trans Union claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only XXXX how many others that are going through the same thing. This needs to be fixed asap. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation