vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion dropped my credit score 9 points, for no apparent reason. I have $ XXXX of open credit on four credit cards, a total of {$1200.00} owing on all four together, and they could not explain why. I have opened no new accounts, they said I have too many balances owing. It makes no sense to me, and the rep could not/would not explain why by score was dropped. I can find no action of mine to have precipitated this reduction or extraneous accounts. Why did they do it? They stated on my file, " too many balances ''. There is a total of {$1200.00} on my cards, out of the $ XXXX available. How does this make any sense. None of the other credit agencies made reductions to my scores, ( XXXX  XXXX and 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 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA is purposely charging me overdraft fees when i have money in my account. I would like for you to investigate this company because I believe that it is ripping off Veterans who have accounts with them. How is USAA legally able to charge me overdraft fees when my account has money in it. I'm attaching screen shots so you can see i am in the black and then bam, they charge me overdraft fees. Not only that but they are returning payments i'm making to the credit card companies I make payments to. Every time they do this i get charged XXXX by USAA as a NSF and then my credit card company charges me XXXX. This is very wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I called to report a card, that I have had for years, lost and to get a new card. The card is through my bank BB & T. Without my permission or consent, the bank closed the account, permanently. I have spoken to multiple deparments and spent hours on the phone to no avail. All they will say is that I should just apply for a new account. All of this will have a negative impact on my credit score.

In other communications, they noted that it was closed because I didnt return a fraud call back. this is not accurate. The account was closed on the XXXX, which is the day I called to report the card lost.

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 2021-08-06 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: FL

Complaint narrative:
On XX/XX/XXXX my mother attempted to transfer money to me via paypal. She inaccurately sent it as " goods and services ''. It was a large amount, and I noticed that PayPal had charged a huge fee, so I immediately refunded the entire amount. 

However, Paypal limited my account, which is a precursor to closing it, and demanded the following information : my photo ID, receipt from my supplier, proof of fulfillment. The photo ID request is invasive ; I don't have a supplier ; I wasn't selling anything so there was no fullfillment. I called the Customer Service line at XXXX and spoke first to XXXX, and then to his manager, XXXX, both of whom told me there was nothing they could do. When I asked them to clarify that they were refusing to unblock my account, XXXX said no, instead it was I that was refusing to provide the information they'd requested. I told him I'd be filing a complaint with the CFPB, my first, and here it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Usaa regarding a missing direct deposit. The deposit was not there. XX/XX/XXXX executive team verified they see the deposit and it was not applied to my account. XX/XX/XXXX deposit is there backdated to XXXX. However I dont see in my available balance. Numerous calls Im told if they t didnt apply I would have been negative. All of my transactions were real time and the account was not negative at any time prior to XX/XX/XXXX. No one can explain to me. I ask for a forensic audit. Im told this can not be done. An IT ticket is opened however no one follows up with me. Today I see it happen real time. I transfer money from XXXX XXXX to my account. This has 100 % posted immediately in the past. Today it post however the available balance failed to change and Im able to catch it real time. Usaaa owes me over XXXX the deposit for XXXX posted but never changed my available balance and they keep telling me about batch updates.. no the funds hit but there is a glitch and the available balance is not changing. Someone please 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 2021-08-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Our accounts with Bank of America were frozen due to a " data breech '' .in XX/XX/2021. We were unable to access any of our accounts for over 6 weeks. The Bank of America did not give us any documentation of the freeze to use to alert our creditors and we had automatic payments bounce. Because of their undocumented freeze, we had to put everything on credit cards for over 6 weeks and pay late fees on payments to our creditors. We have had to open accounts at another bank because Bank of America would not even assist with reestablishing our accounts under new numbers. I have since learned that they should have provided us with credit report protection and assistance with the creditors to explain the delay in payments and confirm the validity of the freeze as part of a data breech. We have had increasing credit rate reductions since XXXX XXXXwhich seems to be falling monthly even though we are up to date on our payments with automatic withdrawals through our new bank. 

My complaint is with the lack of formal documentation of the breech and our accounts being frozen and our online statements being wiped out to even know which payments were made or not during that time before and during the freeze. There was no customer support or even a claim number to refer to in the system according to the bank due to it " being under investigation ''. 
As a further result of this breech as of XX/XX/2021 I received notice that someone has appllied for unemployment benefits in my name and social security number in Illinois. 
When I notified the credit reporting companies and my local pollice to get a report # I was strongly recommended to also report the bank to your agency. 

Please let me know what else you will need from us to follow up with the Bank of America and their shady " data breech '' protocol that has now damaged our credit rating and provided NO support or assistance to repair our credit rating and the interest we had to pay on our credit cards due to lack of access to our funds for an extended period of time ( +6 weeks ).

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 2021-08-06 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 violatons never late : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310000.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Open. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 




not mine fcra violations : Account info Account name XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$360.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms NA not my address remove only what requested : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC is the bank servicing my mortgage current. PNC bank sent me demand note of & XXXX. Upon enquiring about the charge, PNC came back with an explanation that this was a charge from " XXXX XXXX mortgage '' back in 2015 when I asked XXXX mortgage to reassess my home and remove PMI. 
XXXX  mortgage assessed my house twice in 2015 and I remember paying for the assessment. However since this is 6 years ago, I dont have proof of that payment. 

I remember submitting CFPB complaint ( XXXX ) back in 2015 complaining against XXXX XXXX  and I thought the case was resolved. 

This now seems like a harassment because PNC bank is saying they cant go back to XXXX and I have to talk to XXXX  again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Wednesday, XX/XX/2021 I opened a chase first banking account for my sister. I already had a college checking, secure checking, and savings account with them. 
Within a day, my account was restricted for reasons Im not sure of. I have not made any suspicious transactions. Deposits, using XXXX, receiving direct deposits from my jobs and everyday spending. I went up to the branch to resolve the issue and I was told that the accounts were going to closed including my accounts. I dont commit fraud, I dont even write checks, I use these accounts to help me through my everyday life and I am really frustrated with this XXXX Corp and Ive tried to be patient but Im done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit card through Synchrony Bank. It is a Care Credit Card that allows you to defer medical and certain other purchases. Every month I am forced to call them when I make a payment to make sure it's not allocated to my promotional purchases. This month they really screwed up. I called and specifically asked that my XXXX payment apply only to my current balance to pay it in full. When I checked my account, 2 promotional balances had been paid off and I had a balance of almost {$1300.00}. I called and spoke to a manager named XXXX and told him what I had read in statute XXXX. He stated that their policy was different and this didn't apply to them. He was not going to reallocate the money until I told him that they record all conversations and that the mistake was made by their employee and I would not take no for an answer. Does this statute really not apply to them? It is beyond inconvenient to call every single month and hope that they get it right. 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 2021-08-06 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Santander Consumer USA , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Please find my correspondence dated XX/XX/2021 attached hereto responding to your correspondence dated XX/XX/2021. Also a billing statement I received from Merchants ' Credit Guide Company exposing private medical procedure information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received my EIDL disaster recovery loan into my bank account that I have used for my XXXX XXXX for more than a decade. My original EIDL loan also came to this account. Now Citibank is freezing the money in my account stating that I can not use my account for this money. I need to access the money that I got from the federal government to continue running my 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 2021-08-06 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: CA

Complaint narrative:
I, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX XXXX that is being reported on Experian, XXXX, and XXXX, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per Experian, XXXX, and XXXX. 
XXXX XXXX Account # XXXX opened XX/XX/2015

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 2021-08-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
I borrowed several loans from this company and paid them ALL off. I went in another time to borrow some money and I remember not borrowing the full amount of my approval because I wanted to be able to pay it back. I borrowed about a XXXX dollars. Well, something happened and I had to go inpatient for 90 days. When I came back home my car was gone, everything I had was gone, someone I trusted robbed my whole life. So ofcourse I filed a police report, etc. 
Well, I got a call from the loan company and I explained to her how I had just got back and where I had been and that my car was gone. They said they needed a police report. But when I called back and gave her the police report information she then said that wasnt enough! Now in order to stop the interest, they said, they needed the car. I said I dont have the car cause if I did i would turn it in! I didn't have it! Period. How am I supposed to pay this off if the interest is so high already and now I can not stop it and im just coming back with nothing. Oh well she said. 
Well, I tried to get ahold of someone else in corporate office but they are not reachable. They have no way to talk to someone in the upper levels. I tried. I found some corporate office in Georgia but there is no number to call. I called the local office and asked for this information and they said they couldn't give it to me. 
With no luck there, I gave up. So now they send me letters every month. I borrowed a XXXX dollars and I owe XXXX dollars?! This is purely insane, purely interest too. I do not know what else to do so hoping that CFPB can help me to rectify this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander consumer was pay off auto with santander consumer on my credit report still show and late never been payment account in full never been late can you correct this now

Company response to consumer: Closed with non-monetary relief