vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My credit limit was dropped way down when my identity theft redulted in a fraudulent account appearing on credit report. 
All 3 credit reporting agencies have removed that from my report at the request of the XXXXXXXX XXXX who issued the fraudulent card. 
The Mastercard will not increade my credit limit even now. I called a few days ago. 
How long does it take them get credit report. My limit was dropped to {$250.00}. 
The company keeps telling me I need to use card more often but with limit that low I can not. 
I always pay my bills in full and have a credit score now in excellent range.

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 2022-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In 2007 XXXX XXXXXXXX XXXX enrolled me into their Vet Prep program. The only choice to pay for that semester was to use a private Sallymae loan. Being the first generation to attend college my father who has now passed was the only source of financial knowledge I had. He looked at the loan terms with me and even co-signed the loan. It cost XXXX for the vet prep program and I failed one class with a D. I called and begged for the professor of that class to see me. He would not and you are not allowed to repeat that semester. So I was out XXXX and no Chance at Veterinary degree. I have since paid triple of what the original loan was and still owe more than XXXX. It is now with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

1.XXXX - XXXX 2.XXXX XXXX - XXXX 3.XXXX - XXXX 4.XXXXXXXX XXXX  - XXXX 5.XXXX - XXXX 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 an 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 2022-08-27 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: OH

Complaint narrative:
HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX please help me, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Equifax Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND EQUIFAX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and equifax never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that Equifax stating they removed them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received 3 emails notifying me that I have been approved for an XXXX  XXXX Bank of America credit card. I have never applied for a credit card with BOA and I do not have any accounts with BOA. I contacted customer service of BOA and they told me to call the fraud department but I work Tuesday through Saturday, so that department was not open when I tried after work on Friday, XX/XX/22. I've noticed that there has been one hard inquiry on my credit and I think this is affecting my credit score. I have sent two of the emails I received to BOA 's abuse department and am waiting on a response. Please help and let me know what else I need to provide. 
Thank 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 non-monetary relief
Consumer complaint received 2022-08-27 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: AR Resources, Inc.
State: FL

Complaint narrative:
I have a debt on my credit that is not mine. Tried calling company and they said they would check it out. It is still in there. It's been a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX and WELLS FARGO CARD SERVICE has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I am trying to looking for foreign exchange on a social media that is called XXXX, someone added me and says he could help with it, Im in a rush to change, he blocked me after I send the XXXX $ to his XXXX account although he promise me to pay me back, i am still a student I realized how XXXX I am to send money to someone online.I contact XXXX ASAP, I called them at least five times, they said they could not help because I am under XXXX and they need my SSN.Which is not fair, they need to help with a scam anyway.I report a disputing transaction to bank at XXXX, I do not get any progress after nearly a month.

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 2022-08-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an 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 2022-08-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND XXXX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and XXXX never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that XXXX stating they removed them from my credit report

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 2022-08-27 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: VA

Complaint narrative:
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries where replaced on my credit in batches by transunion illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.

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 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XXXX I missed a payment due to me and my family having XXXX and the daycare being shut down. My XXXX daughter ended up in the XXXX with it. When Newrez reached out to me I said that I could not pay at the moment and explained why. The representative said nothing but asked when I would be able to make a payment. A couple weeks later, going into the first week of XXXX the money was in the bank but it wasn't automatically withdrawn as it usually would be. I then spoke with them again and said I thought it would be drafted as pre usual. The representative told me that if you miss one payment it won't draft again and won't let you do automatic drafts for at least 6 months. I apologized and said I was not aware. I then explained again why I was late in the first place. That representative also offered no plans or anything. As of XXXX the 30 day late from XXXX hit my credit and dropped my rating about 100 points. So I reached out to the company saying that I'll pay the late fee ( which I did ) and any other fee that they might require and if they could remove the 30 day late. They said there was no one to talk to and that I had to email " loan servicing ''. To which I did on XX/XX/XXXX. They never replied or sent me anything, just an automatic reply that said someone would get back to me in 2-3 business days. I had to call back a few times throughout the month to ask what an update was, one young lady said I see it is in review on but maybe you should send some documentation, I said ok what should I send? She replied with, " whatever you have that could help ''. I said this is why I need to speak to them and she replied with, " unfortunately that departments only communication is through email '' Finally this week after I called again, they regular representative read in the notes that said that they will not take the 30day late off because it was not their fault and that I could have reached out to ask what option I could have. I explained to the representative that I explained my issue to XXXX separate people and nothing was offered. They said I could dispute through email again and I replied that no one emails me back and they said, well they will most likely not budge. I asked to talk to someone from the department because it was the only one I have and they said I could not talk to anyone and to send an email but it was probably not worth my time. I am now sending more emails as well. I have not deferred my payments or had any other issues. I pay on time and when I explained what was happening, no one offered any help but now want to punish me for not asking. As well as never responding to my emails but only allowing me to speak with people that have no authority to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 Charged {$12.00} for Service Fee XX/XX/2022 I was negative - {$5.00} due to the service fee XX/XX/2022 Transferred {$2100.00} into the account to cover a {$2100.00} check XX/XX/2022 {$2100.00} Check Posted XX/XX/2022 Bank charged me a {$36.00} overdraft fee. This overdraft occurred due to the {$5.00} remaining from the unpaid service fee. 

I spoke to the bank to have it removed since the overdraft is a result of {$5.00} that I was negative from the service fee. They said I had an overdraft fee removed in XX/XX/2022 and they could only remove one overdraft in an 18-month period. Please help Truist has been charging service fees excessively since they merged BB & T and Suntrust.

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 2022-08-27 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: LA

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

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish

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 2022-08-27 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:
n accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # 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 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

XXXX account listed as Ability Recovery Services Llc .... 
XX/XX/2022, I called XXXX XXXX XXXX and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from XXXX XXXX XXXX ) I have never had an account with XXXX XXXX as you can plainly see on my credit history.

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 2022-08-27 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: IL

Complaint narrative:
On XX/XX/XXXX I requested that TransUnion and XXXX and XXXX XXXXXXXX XXXX conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX account number XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had TransUnion conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that TransUnion is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from TransUnion that I received has a file # XXXX ; TransUnion stated that they verified the following accounts Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX XXXX, Acct # XXXX On XX/XX/XXXX, I requested a reinvestigation and TransUnion refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by TransUnion.

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