vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/2022 I opened a new CD account at Ally Bank online. I had been trying to get in touch with their 24/7 customer service for days and was on hold for up to 8 hours at a time. So when I decided to take care of it online I accidently opened and funded 5 year term instead of 3 year term. Once again I immediately called 24/7 customer service and was repeatedly put on extremely long hold times at all hours day and night. After staying on hold for 8 hours the following day, I was told Ally Bank would charge me {$120.00} + of I wanted to change to 3 year term. I explained that if they had someone available to help me in the first place this would not have happened. I want to close my CD account all together now, without penalty. I have done business with Ally Bank for over 5 years and never waited for more than a couple minutes on hold, even at the highest times of Covid.Dont know what's going on with them but it doesn't look or sound good.

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 2022-08-29 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: LA

Complaint narrative:
I have called each bureau about fraudulent inquiries on my report XXXX removed some XXXX said they would be removed after 24hrs but they still remain on my report. TransUnion was not helpful or cooperative with me about removing the fraudulent inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion 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 non-monetary relief
Consumer complaint received 2022-08-29 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: LA

Complaint narrative:
I have called each bureau about fraudulent inquiries on my report XXXX removed some Equifax said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, equifax, AND XXXX  of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, XXXX, AND experian of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.

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 2022-08-29 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
How did this happen? Let me start on XX/XX/2022. On that date, I called the credit card payment phone number to make a payment on the XXXX card during which I received a payment confirmation number : XXXX. 
On XX/XX/2022, I called the payment center again to make a payment on the XXXX card. This time I was transferred to a male agent and told him that I was making a payment of {$120.00} on card ending in XXXX whose due date was XX/XX/2022. The agent processed the payment but I did not receive a confirmation number as before. I ended the call believing my payment had been properly made. 
On XX/XX/2022, I received a letter the Collections Department claiming that my account XXXX was past due. I had had not looked at my new statement at that time so I was unaware of the discrepancy. My statement for the XXXX card showed that the {$120.00} payment was placed on that card and not on the XXXX card as I had instructed the agent to do. 
I called the Online Service Center that day and talked to a female agent and explained what had happened to my account and requested that she correct the incompetence of the previous agent. She told me that she could not correct the error but that she would notify the appropriate department about the mix-up. To this date, I have heard nothing about correcting the mistake which I believe should be very simple to do.

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 2022-08-29 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm submitting this complaint without any influence fromany third party or agencies. Please see attached documents and ID as is contains my full complaint and request.

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 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I received a bill 3 years after a XXXX was performed, which I paid out of pocket for from XXXX XXXX XXXX XXXX XXXX XXXX. The date of XXXX was XX/XX/XXXX and I received a bill for the first time in the beginning of XXXX. I went back and forth with them, but they kept telling me to call my insurance, except my insurance kept saying to call them. Now, it is impossible to get anyone to answer the phone in the billing department of XXXX XXXX to even dispute this issue. THis is showing up on my credit now and causing a derogatory remark which is hurting my credit. I have left numerous messages and called dozens of times without a return call. I started to research and found that this is something they do a lot via XXXX and everyone is saying the same thing via XXXX reviews. This is not acceptable. This company is banking on it not being possible to reconcile 3 years prior and forcing people to pay money that they didn't owe because they don't want a ding on their credit. This is WRONG.

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I keep receiving mailed notices that I owe XXXX XXXX {$340.00}. The debt was from a residence in Texas. I have never lived in Texas. I am born, raised, and still live in California. I believe this debt is a result of ID theft or just plain misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This a complaint against Experian I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX I dispute these XXXX account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked Experian to provide me the verification method the failed to do so. As now I demand to immediately remove these 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 explanation
Consumer complaint received 2022-08-29 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: VA

Complaint narrative:
someone has access to my personal information and is using it to open fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: MD

Complaint narrative:
I attended XXXX University in the fall of 2021. They took away my scholarships and didnt let me know they would not take financial aid. I was supposed to have pell grants and loans but I was not allowed to use either. Now I have XXXX in debt sent to a collections agency and my current school will not let me graduate until I get my official transcript from XXXX university.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX, 2022, I sold a watch to someone using Paypal. That person received the watch and acknowledged receipt within Paypal 's communication tool and gave positive feedback on XXXX, where the sale was initiated. 

However nearly a month later, they filed a chargeback claim and would not communicate further. 

I explained the situation to Paypal and, over the course of a month, found 4 other people that had the exact same thing happen when they shipped watches to the same address in XXXX, Florida. I provided extensive communication with the buyer, the additional Paypal users with contact information. 

Paypal claimed that since I had accepted money through " Friends & Family '' rather than sale that they were not responsible and that I would be required to pay the {$5000.00} back to Paypal, even though they charged a sales fee. 

While I now understand that Paypal 's terms of service exclude responsibility for non-sale transactions, their app, which they force to you use if you've downloaded it, does NOT make a distinction between the two payment types and therefore I was not aware that the purchase had been made in an unprotected manner. 

Paypal has since closed my account, without warning ( so my extensive exchanges with them are not accessible ) and has ceased communication. I received a collections letter in the mail the week of XX/XX/XXXX. 

I have documentation from at least 3 other people where this same thing happened to them. I am aware of a 4th. I can provide this information as well as the contact information from the person that " bought '' the watch. 

Additionally, I reached out to my local police department, who claimed that this was not in their jurisdiction because the theft was online and to the XXXX, Florida police/sheriff who also stated that it was not in their jurisdiction because the injured part ( me ) was not in XXXX. My insurance policy does not cover this either. I did file an Internet Crime Complaint Center ( IC3 ) complaint in the spring of 2022 and can provided this documentation. 

I have attached four files : XXXX proof of delivery XXXX confirmation of receipt by buyer Example of a sale that has " Seller protection '' listed merely as " Monday Received. '' The watch sale that lists same " Money Received '' as transaction type.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: MO

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

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After returning from a vacation in XX/XX/XXXX, I discovered a fraudulent charge of {$39.00} to XXXX  on my Citibank AAdvantage XXXX on XX/XX/XXXX. I disputed the charge and Citibank canceled the old card and issued a new card. After activating the new card, I found another fraudulent charge on the account for {$34.00} to XXXX on XX/XX/XXXX. I disputed that charge and the company initiated an investigation that is still ongoing. The account has been closed completely. The last notice I received from Citibank was dated XX/XX/XXXX. I have received no notices since then and it is difficult if not impossible to contact Citibank by phone or e-mail. I think sufficient time has elapsed for Citibank to resolve this issue.

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 2022-08-29 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: VA

Complaint narrative:
someone has access to my personal information and is using it to open fraudulent 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 non-monetary relief
Consumer complaint received 2022-08-29 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: VA

Complaint narrative:
someone has access to my personal information and is using it to open fraudulent 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 explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I submitted a case XXXX on XX/XX/22 to unlock my card for use. I followed up via phone a couple weeks later as well. My card is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I am writing this because I have been a victim of identity theft and I did everything I could so far to resolve the issues but at this point I want the proper authorities to conduct the investigations with the banks. I have been a victim of identity theft, with multiple banks. On XX/XX/2022, my real estate broker and I discovered of this issue after the broker conducted a financial background check to analyze if I'm eligible for a real estate loan or not. He discovered that there are XXXX judgments pending from XXXX XXXX and Union Bank. I contacted both creditors because I never conducted any business with these banks. I had to inform them of the identity theft because they cooperated with identity thieves to open these accounts without my consent and authorization. Both banks initiate what they call a dispute to remove and delete the account from their systems and the balance. In addition, purge my personal information from their banks since I never associated with them or conducted any form of business. Couple weeks go by and I had the please to speak with a financial crimes investigator from Union Bank requesting additional documentation. I sent her whatever she requested. I sent her a signed and notarized affidavit, my identification card and my social, an FTC report also. In addition, I picked up the court documents to learn what was happening because I was never served any documents. In addition, they are claiming that the information that was used it was used for a business loan or a business line of credit. I do not even own a business and yet it shows that there is a business line of credit under my name. I informed them of this issue and they claimed to understand that I have been a victim of identity theft. They were supposed to send me a reply within a month and Union Bank Financial Crimes Investigator XXXX XXXX was supposed to remove and delete the account because the account was opened due to identity theft and fraud. Union Bank and XXXX XXXX both cooperated with identity thieves to open fraudulent and falsified accounts using my name, social security, date of birth. I am not the responsible party for these accounts because I have never associated with these banks. I would urge people to check their information more and more and to play a lock at the in order to not become a victim of identity thef with some random financial banks.

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 2022-08-29 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: Army and Air Force Exchange Service
State: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation