vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XX/XX/2022 USAA bank reported that I have bad banking relationship with them to my consumer report. I have never opened up any type of products or accounts with usaa bank. Because of this my business funding was taken back from me destroying a business deal that was already in the works. I am also unable to open any other account all due to this false report. I have reached out to USAA bank several times I did the verification of identification and someone was supposed to call me for three weeks now and the wait was only 1 day. I went to a branch which took me four hours all for them to tell me that I had to wait for account recovery to call me. This is messing up my business and destroying my life XXXX XXXX  is the bank that once approved me for my funding and then took it back and XXXX XXXX is the one that denied me the opportunity to open up a bank and its all because if this false report from USAA bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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:
I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.

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 2023-07-26 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: Credit Corp Solutions Inc.
State: NH

Complaint narrative:
On or about 2019? -earlier? There was another XXXX? XXXX that had information posted to my report. 
I didnt realize any of this in till the Sheriff was gon na serve me papers from a collection company. However upon investigating, I was NOT the same person. 

The last item to have removed is being difficult. The personal loan has been bought and sold and transferred. 

Ive never received any information on loan it was just on my report. I reached out once to get a copy of paperwork that the claim was referring to. All I got was BLANK application, instructions etc. 
Now, why would I fill this out and return it? That would be giving them all information about me that they dont have.I would like to see : 1 ) APPLICATION 2 ) APPROVAL INFORMATION 3 ) PAYMENT TO BANK? CHECK?

Ill do a police report if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Grain Technology, Inc.
State: CO

Complaint narrative:
XXXX balance was due XX/XX/XXXX. 

The balance was initiated on XX/XX/XXXX, but Grain didnt initiate it until XX/XX/XXXX. According to the emailed screenshot of the payment confirmation it was paid on XX/XX/XXXX, through the bank account checking/routing system. 

The payment was reported 30 days late to the Credit Agencies- it is not my fault that I paid it on the due date ( according to the email screenshot confirmation date ) but the company didnt initiate it until the day after. 

This is falsely and inaccurately reporting. 

This payment needs to be updated to Paid on time/current and sent to the agencies to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Since XX/XX/2023 I have been trying to redeem my rewards points and log in to my account online to make payments, view statements and redeem rewards points that I earned per the service agreement with the XXXX XXXX XXXX XXXX Credit Card. I have called numerous times and have spoken with multiple agents and supervisors who indicated I would be able to log in and redeem points on XX/XX/2023. I still can not log in and still can not redeem my rewards points. I make my payments on time and am charged interest per the card agreement but my rewards are not being made available to me per the same agreement. I have tried to work the the credit card company to simply apply the rewards to my card balance and they will not. The credit card company is telling me that the issue is a cyber attack on them yet when you call their phone number XXXX, or receive an email from them they tell you to log into their website. If the site was victim to a cyber attack why are they advertising to log into the site. I simply want to redeem my points and get access to my card usage and statements so I can close this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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:
I have attached a letter with accounts that have dispute remarks, I am no longer disputing these accounts and would like to remarks 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 2023-07-26 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: MA

Complaint narrative:
Bank of America offers autopay which allows customers to have payment automatically deducted from their account. BOA forces customers to only pay the min amount due and when you try to pay extra it disturbs the auto pay and then they charge late fees to the customer because the customer is not informed that their auto pay has been disrupted!

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 2023-07-26 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: IN

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-07-26 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: OH

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On Transunion they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.

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 2023-07-26 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: OH

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit reports. On Equifax, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On XXXX they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
XXXX XXXX is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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:
XXXX XXXX is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft

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 2023-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
Tsarouhis Law Group went and put a garshment on my bank account knowing that I only get social security XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-26 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: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Palisades Funding Corporation
State: NY

Complaint narrative:
The Bank ( Palisades Funding Corp ) reposes my car without prior notification and this Bank owns a Car dealership ( XXXX XXXX XXXX ) so they sold the vehicle on their lot and didn't inform me of any balance outstanding or owing to me. I have been trying since they reposes this car 4 months ago to get the License Plate so that I can return it to the DMV and no one can tell me where to collect it I am still paying Insurance on this car that I don't have because I can't return the plate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I have been a loyal customer of Gemini.com since XXXX to buy and sell cryptocurrencies. I have had no issues in the past. However, on XX/XX/XXXX I transferred XXXX bitcoin to Gemini.com to sell for USD. Immediately after the deposit, my account was frozen. I reached out to their customer service by email on XX/XX/XXXX as it's the only method of contact. I received a response asking to submit a photo of my face holding my identification. On XX/XX/XXXX, I received a reply by email confirming after a review, my account was unfrozen. I was able to login to my account. However, after attempting to withdraw my bitcoin, my account was again automatically frozen. I reached out to them again and they replied within an hour indicating my account was unfrozen once again. I logged in to my account and tried to withdraw again, and my account was frozen once again. I replied again also asking what I can do to prevent this from occurring again. They did not respond until XX/XX/XXXX, with a questions about my withdrawal in which I answered. That was the last time I heard from them. I have made attempts everyday to get in contact with them through other platforms such as XXXX and XXXX. However, they have ignored all communication with me. I have over {$30000.00} that they have locked up for no reason given. This has caused me great XXXX  and XXXX XXXX as this is my life savings. I am pleading for assistance. 

For reference : My Ticket ID with Gemini.com : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received numerous phone calls from capital one credit card company. I am being harassed all hours of the day and on the weekends. I DO NOT have a capital one credit card. I have repeatedly asked the company to take my number off the call list and that I do not have a capital one card. I have gotten ten calls in one day, some as late as XXXX XXXX. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for 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 2023-07-26 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: NY

Complaint narrative:
Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
On XX/XX/XXXX we submitted an application for the HAF. On XX/XX/XXXX HAF reached out to our mortgage servicer requesting the balance needed for HAF to submit a payment for us. SLS has confirmed receipt of that request. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX we have reached out to SLS asking for the information to be sent. SLS claims they have 1 person in that department and " it takes time ''. As of today, the request for proof of the payments owed has been waiting for over 90 days. On XX/XX/XXXX a supervisor said it would be sent in 2 days. As of today there is no update from SLS.

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 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
We run a small local theater company. When we opened our square bank account in XX/XX/2023, we added the money that been donated to us into our account. The only transactions we made were to XXXX to pay for our website and to the rights company for our play production. After one month, we started receiving emails saying that our transactions were declined. Upon contacting support, they told us our account had been suspended, and when we asked why, they said they were unable to tell us the reason, but the funds would be released to us after 90 days. We had to use our own personal funds to make up for the money that had been donated to us from friends and family. 

90 days came and went in XXXX. The funds were not released. We tried contacting support again, they said that account services would reach out within two business days. They never did. It is now XX/XX/XXXX, almost five months after our account was closed, and we are still unable to access the funds. Square has not sent us a single email asking us to confirm anything, or giving ny information about why our account was suddenly closed. 

Upon doing research, it is clear we are far from the only people this has happened to do. Square needs to be held responsible not only for subpar customer service and not communicating with customers, but for seemingly holding small business funds hostage with no legitimate reason, and without telling us what we can do to reconcile anything. For all intents and purposes, they have stolen XXXX dollars from a theater company that was entirey funded by donations, and forced its owners who are already struggling financially to pay for this out of their own pocket.

Company response to consumer: Closed with explanation