vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Monday XX/XX/2022 I mailed a 609 letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Monday XX/XX/2022 I mailed a 609 letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed

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 2022-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened an online account with Discover Bank on approximately XX/XX/XXXX. The promotion I signed up for included a bonus of {$150.00} for an account deposit of {$15000.00}. I made the deposit for that amount. Three days after I opened the account, Discover restricted my access to the account stating, suspected fraud. I contacted them immediately and they told me they could not disclose any information. A few days later, I tried again with the same results. They told me I would receive a letter of explanation, but the letter told me nothing. They told me that my money would be returned in 60 days, however, they said that the bonus and interest would most likely not be paid to me. I would like my deposit returned immediately, along with my bonus and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lending Force, LLC
State: OH

Complaint narrative:
Lending Force contacted me on my mobile line XX/XX/2022 using an automated dialing service for a mortgage. I have not contacted Lending Force or any affiliate to obtain mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$22000.00}

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 2022-08-02 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: NJ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
From a collection agency called XXXX XXXX  XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

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 2022-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
From a collection agency called XXXX XXXX XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

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 2022-08-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Colony Brands, Inc.
State: PA

Complaint narrative:
I have a hard inquiry on my XXXX credit report from Ginny 's XXXX for credit that I did not apply for. The inquiry is dated XX/XX/22. 

Ginny 's XXXX is unable to dispute the inquiry because they can not find the account. They tried looking up my zip code, social security number, present and past addresses and still say they can not locate the account so they can not dispute the inquiry. How are they able to issue credit with just my name and no other information? That being said, if all they need to issue credit is my name, they can dispute this fraudulent inquiry with just my name. 
How is a company like Ginny 's able to issue credit with just my name? How would they verify the legitimacy of any application with just a name? If they were collecting any other information to verify a person 's identity they would have at least some of my information and would be able to dispute this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NJ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This complaint is against : PayPal , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX I was advised to wait 180 day before my balance could be withdrawn after multiple phone calls on XX/XX/2021. As of XX/XX/XXXX, Paypal has withdrawn all of the funds to their own account, {$31000.00} after the stated 180 day hold period. I understand the 180 days period, to rectify any issues buyers may have, for instance chargebacks etc. However, it is illegal for the company, Paypal, to pocket the seized funds. I would rather have Paypal refund all my clients that are satisfied with their goods without any complaints after 7-8 months than to have Paypal pocket the money after they have collected the fees for successful completed transactions. It is unjust enrichment by paypal gaining interest off the held fund that isn't paid out to the customer after 180 days. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 
PayPal debited a random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reach XXXX before the 180 day hold period. I believe that I was deceived by PayPal as they failed to provide the payment service promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the Equifax and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XX/XX/XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and Equifax. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to send money by XXXX from BFA and put the information. It went to the wrong person and theyre not giving my money back. Both of us have BFA account but bank are not helping me to get my money back from the stranger. Were talking about a large amount of money which is {$3200.00} and my friend is desperately needing this money to pay his rent by the time that some stranger stole to easy money and using it. Were really need help to refuse the landlord evacuate my friend from the rental apartment. This transaction happened at XXXX XXXX XXXX. I need bank taking responsibility since theyre the one promoting XXXX app and I trusted them to use this app for my transfer..Please please advise ASAP. Thank you for your time and attention.

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 2022-08-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX INQUIRIES : NXXXX 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

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I dont have a bank of america  or XXXX XXXX  account and both of those companies are not letting me create one. It denies me every time i try to apply for a checking account.

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 2022-08-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00}

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