vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I SENT A LETTER TO THEM BACK IN XXXX OF 2017 TO DISPUTE THE DECK AND REQUEST DEBT VALIDATION THEY NEVER RESPONDED BUT PUT IT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have disputed this account with American Express for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BANK OF AMERICA Account type - Credit card Date opened - XX/XX/year> Above Account created under BANK OF AMERICA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

As a long-standing user of PayPal, maintaining a positive and trusted relationship with your platform is of utmost importance to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough review of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have always done. 

I sincerely appreciate your attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have reached out this Debt Collecting Company I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I requested a Validation of debt. They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. There is lots of inaccuracies with reporting This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. I now demand that this information be removed if they are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus. 

I have previously also summited a complaint in regards to this Consumer Financial Protection Bureau case number : XXXX and received a resolution however they are reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I received the attached Delinquent Property Taxes letter from New American Funding. My tax is not due until XXXX. Please see attached tax bill from XXXX XXXX, Georgia. I have not received any delinquent tax notices from XXXX XXXX, Georgia. 

XXXX. On XXXX, I called New American Funding and was told that they pulled up a report on XXXX showing my property taxes were delinquent. 
XXXX. On XXXX, New American Funding proceeded to approve, without my knowledge, and without my consent, to pay the property taxes. 
XXXX. On XXXX, New American Funding, without my knowledge, and without my consent, mailed a check to XXXX XXXX. 
XXXX. On XXXX, without my knowledge and without my consent, New American Funding set up my account for escrow withdrawal. 

During my conversation, I was told that the only thing that New American Funding could do was to take my payment on the phone while talking with them. I refused because New American Funding sent me a threatening delinquent letter and proceeded to take the above actions without my knowledge and without my consent. 

I consider this manner in which New American Funding tried to put my account in escrow as questionable and shady.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The dentist office I went to had me apply for carecredit to cover dental procedures.I was told that I was qualufied and will have enough time to pay for a balance of XXXX thousands..After a year, care credi synchronic Bank, added almost XXXX thousands dollards interests on it, now my monthly balance is too high and every month they keep.adding XXXX interest on it..I was never told that what they will do.I understand late fees, but this shady disclosures or non, I did not expect.I tried to explain it to them, they won ', t hear it and harrassing me with phone calls, reported it on my credit and damaging it.They knew that you could never have enough time to pay the full balance on time, so they can add exhorbitant interests on it.This is fraud.Please help.

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 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/2024 I went into XXXX XXXX XXXX on XXXX XXXX XXXX and wanted to purchase a truck for {$80000.00} and the company took my social security number without my consent and opened a loan in my name without my consent and then denied me credit. Ally Bank is the Bank thsts refused to approve my application for a XXXX XXXX XXXX  XXXX fully loaded for {$100000.00} us dollars. I lost business as a result of their denial and am currently suffering from not having a new truck to conduct business.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently viewed my credit report and see inaccurate information

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently viewed my credit report and see inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
My mortgage company Valon, theres a discrepancy on my escrow. Spoke to the company many times they kept telling me they are working on the problem. The money in my escrow account should be like {$4500.00} now its showing {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I tried to submit my student loan payments twice and they were both reversed. I checked with my bank and all the correct information is linked to my Ed Financial Account. Why is the payment being reversed even though the account is linked correctly with my bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Account was opened with {$10000.00} us dollars and after the account had a debit of {$2000.00} us dollars the company closed my account without returning any proceeds from interest payments and without my approval. The company representative was very disrespectful and threatening towards me. Ultimately Causing my company to lose customers and revenue of {$50000.00} approximately and future contracts

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Incorrect addresses, names, Social Security numbers, telephone numbers, employers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My husband and I returned home on Thursday, XX/XX/2024 from a family trip to XXXX XXXX XXXX in XXXX, Ohio. We were gone from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX. When I checked the mail upon our return, there was a Lowe 's envelope containing 2 credit cards for a business account. The name on the account is noted to be " XXXX XXXX '' opened XXXX with a credit limit of {$12000.00}. The card number is XXXX XXXX XXXX. I looked on the XXXX XXXX app and can see that a new account was indeed opened under my name and displays as a hard inquiry from XX/XX/XXXX Syncrony/Lowes . I contacted Lowes and they confirm this card was opened in my name, however, are unable to tell me what Lowes and how much was charged on this card. They state they have filed a report, however, I will get a bill in the mail with more information along with a confirmation letter in 7-10 days confirming the report was made. They state this matter may take up to 60 days to resolve.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: AR

Complaint narrative:
MoneyLion closed my account with XXXX dollars and refuse to refund my deposit and keep giving me the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have disputed this account with Discover for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
I sold all the crypto I had held with crypto.com digital wallet. I have just USD holdings in their wallet at this point and they will not allow me access to the funds or provide any input of how to get access. I am unable to withdraw the money because I do not have the 2FA application created when I opened the account. I have asked what the application would be so I can get it again, I have asked how to transfer, how to withdraw, any steps I can take to obtain my money. Their only email response was to ask if I still had the issue. I responded yes, I haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my wife died and XXXX days later I went to the bank where we have bank accounts to present the death certificate and my wife 's signed and notarized Will in my favor. 
The official who assisted me gave me bank documents to fill out and told me that I had to present a Probate Case in Family Court. 
I proceeded to complete them and paid the Court the sum of {$340.00}. 
When the Court was about to give me the decision, the Clerk told me that the Bank had to first give me a Letter to release the funds, but the Bank denied me the Letter, arguing that my wife had a debt on her VISA Credit card. 
Then I asked the officer who attended me, why did they ask me to open a case in the Probation Court if they were not going to authorize the Release Letter later? 
On several occasions I made claims to the Bank asking them to return me the cost I paid to the XXXX and the remaining money of the checking account of my wife but they always denied to give me the funds. 
The accounts are like this : Money in my wife 's checking account : {$1800.00} Payment to Probate Court : {$340.00} Credit Card Debt : {$1700.00} In the month of XX/XX/XXXX, I received a document from the Bank where they withdrew the sum of {$1700.00} from my wife 's account without my consent and did not mention the balance in my favor of the will left by my wife nor did they recognize the payment I made to the Court on instructions from the same bank. 
After receiving that letter from the bank, I requested an appointment and spoke with a bank official who denied me the delivery of funds and only told me that I should open another case in the Court of Probate, which seemed like a joke to me. 
I have all the Documents of this case to submit.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, XXXX, EQUIFAX, XXXX and all, are reporting on my credit report and file without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I wrote letters to XXXXXXXX XXXX to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted XXXX, Equifax and XXXX to have them removed and I was referred back to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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:
On XX/XX/2023 and XX/XX/2023 I wrote letters to XXXXXXXX XXXX  to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted Experian, XXXX and XXXX to have them removed and I was referred back to the company.

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