vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 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: TN

Complaint narrative:
1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/22 I spoke to a representative of KeyBank, he demanded my personal info including my SSN in order to close an account that I didn't open. They sent me a credit card I never requested and now I can't cancel it. They have no physical representation in CA, so I'm unable to go to a branch to close the account they opened, and I won't provide personal info over the phone due to identity theft concerns. Please help me close the account I didn't open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My problem is with Bank of America. I had had a credit card with them and every payment I made was returned and by the time I called in XX/XX/2021 explaining how my payments were being returned for no reason I had too many returned payments and they shut my card off and closed the account, impacting my credit score negatively. I since have been trying to pay off the remaining {$600.00} on the credit card and they are now deducting the money from my debit card and not putting it towards my credit account. The {$35.00} from last month and {$87.00} from this month I made on XXXX are still deducted from my checking and have not been applied toward my credit account at all. I called today XXXX and told them this issue keeps happening and they said they will try to reimburse the {$35.00} late fee I was charge, but their system is down. They also stated the reason my payments are but going through is also because their mobile payment system is down. If their system was down why is money being deducted from my account and not being applied anywhere? This is beginning to negatively harm my credit score tremendously and it has been on going for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Incomm Holdings Inc.
State: MI

Complaint narrative:
I received a Visa vanilla gift card with {$200.00} loaded on it as a gift in XX/XX/2021. I tried to use it today and it was declined. When I called the number on the back of the card I was informed that there were three transactions on the card, all dated in XXXX, 2021, all transactions were made in XXXX, CA. 
I did not make any purchase with this card as I had left card in the original packaging until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MS

Complaint narrative:
in accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX - # XXXX XXXX  # XXXX XXXX XXXX XXXX - # XXXX, has violated my rights. 

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 written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MS

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX, has violated my rights. 

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 written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE XXXX, EXPERIAN, XXXX WRITTEN INSTRUCTION

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 2022-04-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting my childsupport case as a collection acct for the past 4 years ... this is incorrect... I was under a court ordered income deduction from the state of Florida ... childsupport came out automatically ... I have filed several disputes trying to get this corrected, but they keep telling me the acct has been verified as accurate ... AND THAT IS IMPOSSIBLE BECAUSE I WAS UNDER A COURT ORDRED INCOME DEDUCTION.CHILDSUPPORT PAYMENTS CAME OUT EVERY WEEK ON TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I deposited a valid, bonafide check for {$5000.00} at a Wells-Fargo ATM in XXXX, AZ on XX/XX/XXXX. It was credited to my Wells-Fargo savings account & then uncredited for " unknown '' reasons.

It's a legitimate check, from a legitimate Wells-Fargo account to another legitimate Wells-Fargo account. After its deposit, it got reversed & yanked. The service rep said just wait 10 days for a letter explaining what the issue was. 
You've got two choices by Federal law & the CPFB regulations. 

1. Return the check.

2. Release the funds. 

What is the problem? Why don't your support reps comply with releasing the name, address & contact information for Wells-Fargo 's compliance offices?

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 2022-04-09 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: IL

Complaint narrative:
In Accordingness with the Fair credit act XXXX  account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates

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 2022-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HARDSHIP / LOAN MODIFICATION LETTER XXXX Hello CFPB, Regarding a mortgage with XXXXHSBC, Our family has experienced financial disaster due to the COVID-19 shut down and economic downturn there after. 

We were granted the forbearance that was offered to us from XX/XX/XXXX to XXXX of XXXX. 

There was NO FULL DISCLOSURE regarding the repayment of said forbearance, we did NOT sign any contract and or agreement regarding any repayment plan and or full disclosure regarding the forbearance repayment. 

At this time XXXXHSBC has offered us a Loan Modification with a catch, we have to re-qualify for the Loan Modification XXXX XXXX HIGH interest rates. This seems completely unfair at this time, post pandemic. 

If we do not qualify they are demanding the FORBEARANCE PAYMENT OF OVER {$130000.00} due and payable at once. 

Our loan was purchased from XXXX XXXX Bank in XXXX, the loan was sold sometime after to XXXX ( HSBC is an investment company based in mainland XXXX ). 

We did NOT receive notice that our loan was sold to an overseas foreign investment company ( HSBC ). 

This loan should have the same perimeters, rules, regulations and guidelines as the original lender had in the original note ( from XXXX XXXX a FEDERALLY BACKED LOAN ). 

Therefore the note should be honored by the CARES ACT at this time. 

Our Forbearance balance is {$130000.00} to date, we do not have funds to make that payment, at once. 

This property has been in our family for over 40 years, we constructed our family home in late XXXX to early XXXX. 

We have been paying on this loan for almost 13 years, we have never needed to pay a late fee on this mortgage. 

We do not wish to lose our family home after so many years of loving memories. 

We became sick with the XXXX XXXX XXXX business has been down for months and months. To date business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also became hospitalized with multiple conditionXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please help us. 

* XXXX HAS REPORTED THE FORBEARANCE LOAN BALANCE TO OUR CREDIT REPORT AND REPORTED MONTHS OF NON-PAYMENT. NEGATIVELY EFFECTING OUR CREDIT REPORTS AND CREDIT SCORE WITHOUT BEING IN FORECLOSURE. 

We wish to be in good standing with XXXX and HSBC, any consideration would be greatly appreciated. 

Please advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 written instructions

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 2022-04-09 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX  I had made a purchase on XXXX XXXX XXXX XXXX for a XXXX  and chose to use Affirm to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from Affirm asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at Affirms request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my Affirm account to see that I now had two pending loans with Affirm. I attempted to work with Affirm and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. Affirm was also unwilling to work with XXXX to resolve the matter. 

I eventually received two XXXX XXXX from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX  I then paid the first loan off with Affirm and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by Affirm asking me to go back and complete my order. 

Affirm then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. Affirm has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a XXXX violation as this has adversely affected my credit report. This first loan has been paid in full to Affirm and the merchandise for the second loan was returned to the seller but yet Affirm still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
Received an application for a XXXX credit card-in the mail which I applied for Received a letter dated XXXX XXXX from XXXX-denying the applicationCiting : Serious delinquency, almost past due on all accounts , % of balance to high credit on banking or revolving act, lack of recent bank/national revolving information And a XXXX score of : XXXX I mailed them a letter to XXXX card, XXXX XXXX XXXX, XXXX DE, XXXX. Informing them that none of their information was correct-NO Response in over a month from them or an apology & correction. Then I mailed a letter to you complaint # XXXX-From you that you were unable to contact me through E mail. What is your problem? My account with XXXX : XXXX-has no problems like this in the past saying XXXX mails were unable to deliver to it or were returned You requested a correction of E mail for delivery E-Mail : XXXX Secondary E Mail : XXXX Hope you can resolve this problem of false information being distributed Thanks in advance

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 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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 written instructions

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 2022-04-10 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: I.C. System, Inc.
State: MI

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

15.U.S.C. 1681 section 602 A States that 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 written instructions.

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 2022-04-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Midland Credit ManagementXXXX XXXX  Account XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
On Thursday night, I received a notification that some of my cryptocurrency was sold from my Binance US account without my knowledge or consent, and the money from the sale disappeared from the account. There were no unauthorized logins to my account and no record of any transfer of cash out of the account, so my account wasn't hacked or compromised- the money was stolen by Binance US. When I reported it to customer support, they locked me out of my account and started stonewalling on any communication about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank closed my priority account and sent my account to the fraud prevention department on XXXX XXXX 2022. I want to know why and they are going to try to report me. I don't think that's right when you have your own money go into a account and go get it. There manual says they will charge me XXXX dollars. They never did.

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