vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/year>, I attempted to payoff an auto loan held by Bank of America. I made an electronic transfer of {$20000.00} to Bank of America from our XXXXXXXX XXXX  checking account. On XX/XX/year> I noticed that the payment had been processed but the auto loan balance was unchanged. I called Bank of America customer service and they were no help, stated that it probably hadn't gone through yet, which was not true. I discovered that the payment/transfer had been made in error to our credit card account with Bank of America and had it fact been processed resulting in a credit balance in this account. On XX/XX/year> we met with XXXX XXXX at the Bank of America branch office in XXXX, Indiana. XXXX had examined the accounts and agreed that the payoff payment had indeed gone to the wrong account. She initiated a call to Bank of America customer service and resolution options were discussed. We were advised that the fastest option would be to request a refund back to our checking account. The request was made at that time. XX/XX/year> XXXX relayed to us that Bank of America said that an ACH transfer was attempted and failed. I could see no evidence of this in my checking account. Bank of America now stated that they have 30 days to accomplish this transfer. The credit card account shows a payment adjustment in the amount of {$20000.00} on XX/XX/year>. No funds have been received in our account or by any other means. XX/XX/year> there has been no explanation of where the funds are or when, where and how these funds will be returned to us. While Bank of America continues to delay refunding our payment they of course continue to add daily interest to the loan that we intended to pay in full. We do not feel that they have acted in good faith. They have not been forthcoming with information regarding the methods and/or timeline regarding resolution of this matter. We are asking that this be resolved as quickly as possible so as not to incur further interest charges on the auto loan.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are several hard inquiries that I did not do. There is also a late payment on a XXXX card that was a fraudulent charge that I disputed and the credit card company agreed, but Equifax keeps it on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing numberXXXX ; an account number:XXXX. I have recently made a complaint about how my tax return has been frozen in the venmo wallet. That complaint I filed here ( with the cfpb ) was responded to ; however the response stated that I will be able to withdraw funds once my FULL 180 days limited access HOLD was over, which would have been *YESTERDAY ( XX/XX/XXXX ). To be clear, heres a quote from Venmo 's last response to my cfpb complaint ...... 

VENMO SAID, and I quote ... ... " I show that your initial limitation was placed on XX/XX/XXXX, before being modified to a permanent limitation on XX/XX/XXXX. When then advised that your funds would be held for 180 days, which is XX/XX/XXXX, based off of the original date that your Account was first limited. With that said, I am unclear where the information was conflicted, but understand that things happen, and I again want to apologize. With that understanding, our previously advised decision remains unchanged. Your Account will remain permanently limited with your funds held for the full 180 days. '' which you further explain how it will be available for withdraw an I'll be contact via email. 


Thats what you guys said, HOWEVER ; here we are XX/XX/XXXX which is PAST the 180 day mark an I still CANT withdraw my funds, nor did I get any email or any form of communication on how to get my funds out ...... 

WHY DID YOU GUYS AT VENMO STATE THAT ON OR BEFORE XX/XX/XXXX I WOULD HAVE ACCESS TO MY FUNDS, BUT I STILL DONT???????? There is no transfer button, its inactive on the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX  and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
Today I checked my credit report and to my surprised I had a debt in collections from wakefield & associates that I was unaware of. I didnt recieve any communications from this company. I XXXX  and some folks said they tried to contact them via text message. I looked in my text spam folder and they had sent me a text message that seemed like spam so I not seen it until today. I tried calling the number in the text but it is not a legitimate phone number. I have not recieved any voice-mail or letters from this company notifying me of debts. I have no clue what this debt is for. The text message doesn't give an option to opt out of text. I believe this might be a scam and it's now effecting my credit report. This company 's text message doesn't give any legitimate way to contact them and I never opt in to text notifications. I've never spoken with XXXX to verify the debts as I was never given a way to contact them. Also on my credit report this is showing as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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:
I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've reached out to the bureaus XXXX on XX/XX/year> trying to update my information because it was some fake SSN and fake names on my report along with addresses XXXX refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged accounts in the amount of {$1200.00} and an account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after 30 days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report 100 % accuracy & 1692g they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding.

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 2024-05-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX bankruptcy discharged Account name XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX  Account XXXX XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXXI XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 a account without my

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 2024-05-13 00:00:00
Product: Credit reporting 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:
I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XX/XX/24 Spoke to XXXX representative XXXX for DRS company and him could he provide proof of this alleged debt. He stated a company by the name of XXXX XXXX bought the debt and request that they collect on the debt. He also stated that his DRS company remove this debt from my credit report on XX/XX/1924 and it will take 45 days to be removed. I explained to him that i do not owe this debt. I don't have a contract with this company. They are not registered to collect in Texas. I also request a copy of the removal via mail stating it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TomoCredit Inc.
State: GA

Complaint narrative:
There is an account on my credit report that is not mine nor did I authorize anyone to report it to my credit report. It is the TomoCredit Inc credit card account. According to the FCRA 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 also states a consumer reporting agency can not furnish an account without my written instructions. I want the TomoCredit Inc account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Tesla, Inc.
State: MN

Complaint narrative:
The chat is attached. This was absolutely predatory and cost me over {$10000.00}. To make it more egregious, no one will answer the phone and once I finally got into the " chat '' the person just left when I wouldn't roll over and accept the platitudes. 

XXXXXXXX XXXX  on XX/XX/XXXX A Tesla Advisor has entered the chat My name is XXXX, how can I assist you today? 
Hi XXXX! 
I purchased a Tesla on Friday ( I adore it! ), but when I did the loan documentation on Friday no one told me about the .99 % offer that was out, so I'm at the XXXX %. It seems like a very significant error/oversight and I'm really hoping something can be done because it's a significant amount of money. I know that the .99 % just started that day and I'm sure no one had ill intent. Everyone has been great to work with but this is a pretty big issue for me. 
Great question here XXXX, however, the 0.99 % APR only just started for orders placed after XX/XX/XXXX There'd be no way for us to retroactively change your loan rate if you have already taken delivery I see. Well, I placed my order Thursday late at night after discussing with Tesla. I can't believe no one told me to wait a few hours to place the order. 
I hear you XXXX, however, we'd find out these updates at the same time as you here. No way for us to know what programs or incentives will be coming That's unfortunate. I guess at this point, I'd like to know if the vehicle can be returned. I'll admit I'm unsure what the return policy is Frankly, for the amount of savings I could " trade in '' the vehicle I have and order a brand new one and come out even Or, just let Tesla come repo it, take the credit score hit, and have my husband re-order. 
I totally get that this is not your fault, but having 2 hours cost more than XXXX without any recourse just seems asinine I hear you XXXX. Vehicles can not be returned either. Once you do decide on what course of action you would like to do please let us know If that is all for now, thank you so much for taking the time to chat with Tesla! I really appreciate the time and effort you took to work with me. Feel free to reach back out if you need any further assistance. Have a great rest of your day and stay safe.

An agent has left the chat

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: FL

Complaint narrative:
After undergoing a routine check-up at my physician 's office, I was surprised to receive a debt collection notice from Revco Solutions , claiming I owed them money. Despite confirming all my balances were clear and contacting the hospitals I visited, none of them had any record of dealings with Revco. Upon calling Revco to request removal from their system and to cease all communications, I encountered uncooperative representatives who refused to provide their last names. Their contact information includes phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ), with reference number XXXX.

Company response to consumer: Closed with non-monetary relief