vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: NE

Complaint narrative:
Equifax I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Equifax is still continuing to report errors on my credit file which is causing damage to my credit score. XXXX Bank account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX account # XXXX inaccurate payment history, amount past due on charge off account {$3900.00} I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NC

Complaint narrative:
I sent several letters regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc.
State: PA

Complaint narrative:
I started working from home cause I cause covid twice. I work for the lab that was doing the testing got a chance to work from home but it did not turn out how I wished it would I lost pay and was unable to pay my mortgage so I went back into the building so I would be able to provide for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: MD

Complaint narrative:
Venmo, a subsidiary of PayPal, has a " Transfer Balance '' screen that tricks users into performing an " Instant '' transfer that charges predatory fees. 

The screen always auto defaults to " Instant Transfer '' which will initiate a predatory fee. 

In my case, I transfered {$520.00} to my bank account from Venmo and was charged a {$9.00} fee. This transaction occured on XX/XX/2022 with Transaction ID XXXX. 

The difference between the free " 1-3 XXXX Days '' transfer and " Instant '' transfer is very subtle, even more so for me because I am XXXX XXXX. One wrong finger swipe within a few milimeteres is the only difference between a free transaction to a very costly one. 

I explained my issue to Venmo support and they were unhelpful and unwilling to refund the fee. I am asking that Venmo transfers not auto default to " Instant '' transfer and the differences are more accesible to XXXX XXXX individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I tried to make a payment at approximately XXXX XXXX  using Mariner Finance 's online customer portal. Instead of processing my payment, it states that my account is on restricted payments. I called Mariner Finance on XX/XX/22 to find out what options were available to me since I had not yet been able to make my XX/XX/22 payment due to some unexpected expenses for auto and household repairs. The main option available was to allow them to run a credit check to see if I could get an additional {$500.00} dollars and they'd refinance my loan. I refused that option because I neither want the additional inquiry on my credit, or their {$500.00}. When I refused, rep, XXXX 's offer, she said that I would have to make a payment with her. So, I explained to her that I was driving and that since I was not yet 30 days late on my account, I would make a payment by XXXX, XX/XX/22 by going online and scheduling a future-dated payment dated for XX/XX/22. I also explained that since I wouldn't get paid again until the end of XXXX, I would make the XXXX payment then to bring my account up to date. Instead she tried to force me to speak with the Branch Manager, XXXX XXXX, who is very unprofessional and uses bullying tactics when interacting with me as a customer. So, I hung up before he got on the call because I have no plans of dealing with him. Now, they have evidently taken away my ability to make payments online. So, they are trying to cause my account to get to 30 days late. I have also uploaded two letters, which I received on the same XX/XX/22. One is dated XX/XX/22 that notified me of the possibility of a negative report to credit reporting agencies. 
You will notice that the XX/XX/22 letter lists four ways to submit a payment ; however, I am currently unable to make a payment in accordance with the options listed. This proves that they are using bullying and intimidation tactics when interacting with customers. I does not state that I need to speak with them. So, I am trying to make a payment. 
The other is dated XX/XX/22, which informs me that if they do not receive payment in full within 15 days of the date of the letter, they will file a suit/judgement against me. 
I feel that they try to prey on customers and bank on them being ill-informed and afraid to take action on their own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NJ

Complaint narrative:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from XXXX is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the US District Court in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions XXXX of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given Tran Union, XXXX, XXXX, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This account shows up on my credit report. I have not received a call, email or letter from them. Ive written them asking for validation over 30 days ago and I have not received a response and they have not removed themselves. It is currently in dispute with my credit company as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: OH

Complaint narrative:
I have been in contact with Equifax about inaccurate information on my credit report. Even after notifying them many times about these errors, they continue to report this inaccurate information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: LEXISNEXIS
State: NJ

Complaint narrative:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the US District Court in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions XXXX of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given LExis Nexis or any of their business affiliated permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX I set up a square business account but deactivated it by mistake and I have a XXXX $ in there, it's yet to be sent to my XXXX  account and when I triy contacting the support lines it never goes through

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: WY

Complaint narrative:
I contacted Affirm to close my account on XX/XX/2022. I had used their services multiple times in the past, but recently I have not been allowed to do so. After paying off my final Loan on XX/XX/2022, I left the account open just in case I was able to use it. I checked on the account again and was still unable to use it. After this, I tried to close my account and I kept receiving an error stating that I still had open savings accounts or unresolved loans. I verified that all my loans were settled and that I had no open savings accounts. I was clear on my end, so I reached out to customer support. I was told that I was not able to close my account because of the possibility of a refund. My most recent loan was opened in XXXX of 2022. My return windows are closed. When I brought this to their attention, I was told that if I claim the warranty, they may refund my affirm account. The warranty is handled by the manufacturer directly and my extended warranty is through XXXX meaning, no refund will be issued to affirm. When I stated this, the employee said that was their policy and ended the chat. I have since called in and as soon as my account is pulled, they end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I received a phone call and when I answered the caller asked to speak with XXXX. I said this is her. The caller then stated that I had a past balance and we could work out a new payment plan. The caller never validated that it was indeed XXXX XXXX by asking for my social, birthday or address until I brought it up to her that she never validated who I was. She stated because she called me she didnt need to. I explained to her that anyone could have my phone and answer it and this was unlawful and then she asked for my address. I then told her I was ending the call. The caller/debt collector also never announced she was a debt collector trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. 

I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. 

Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX  account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX  account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. 

At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. 

We have been doing business with Bank of America since it was XXXX  XXXX, then went with nations bank and finally now Bank of America for over 30 years. 

I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have switched banks and have been trying to pay my personal line of credit through bill pay. Truist is claiming that the originating bank reversed the payment. I've never received any money back to my originating account. The money is now missing. Truist is blaming the bill pay bank. Meanwhile, my money is gone.

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 2022-12-15 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: NJ

Complaint narrative:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, XXXX, Equifax, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NJ

Complaint narrative:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, Experian, XXXX, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

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