vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I tried to make an ATM withdrawal for {$200.00} at the racetrack XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  However, I was told that I had insufficient funds in my account, but the money was still taking off of my card a total of {$200.00} along with the {$2.00} Payfare card with XXXX XXXX I immediately reached out to my card company XXXX XXXX/ Payfare And was told to wait XXXX to XXXX business days after the third business day XX/XX/2023, the money still did not come back on my card so we filed a dispute. I was only sent one email after about 2 weeks that said that we are hard at work and after that a week after I received another email that says that according to your XXXX we can not proceed with your case your case has now been closed. I went on to say that I appeal and wanted to see the proper statements to show that the money had been dispensed from the ATM and since then, I have been given the runarounds from the XXXX XXXX / Payfare company it has now been almost 2 months and the company tells me that there's nothing they could do because everything is invalid as far as time it's been past 10 days so there's nothing they could do. I got an email on the XXXX of XXXX from XXXXXXXX XXXX that said that they could not do anything and my case was closed. I followed up with XXXX XXXX XXXX today as of XX/XX/XXXX and was told that they have not had a ticket number or any dispute from Payfare about my case. So basically since the XXXX of XXXX I have provided all proper documents and done everything that the bank has told me to do and in return I don't think that they have done proper investigation to get my funds back. I spoke to a representative by the name of XXXX today at XXXX XXXX and he listened respectfully only just to tell me there's nothing that they could do and hurry up and hung the phone up and that was nothing else I could say after that. They told me the case was closed by XXXX the XXXX and when I spoke to XXXX XXXX XXXX  they said the ATM statements weren't available until the XXXX of XXXX. I was also told by XXXX XXXX that the network ( XXXX ) provided the information for them to decide their case and not the ATM statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: CITIBANK, N.A.
State: MI

Complaint narrative:
AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT XXXX, XXXX. Original creditor : XXXX XXXX XXXX XXXX Contact info Name XXXX, XXXX. Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNCOAST CREDIT UNION
State: TX

Complaint narrative:
Someone faking my identity opened an account with Suncoast Credit Union online. Received a debit card in the mail on XXXX The credit union has already froze the account but it seems this can happen with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 non-monetary relief
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: GA

Complaint narrative:
I XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court XXXX XXXX XXXX Georgia ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this 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 explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I started a XXXX XXXX  program that promised hands on experience, a number I can call for help with any questions as well as a XXXX  but I had to pay XXXX until XXXX was paid off I was excited but I was realizing everything they promised me I was not getting. XXXX XXXX would call every week to Explain real estate all the coach did was explain a bunch of information fast without giving me any space to talk or ask questions at the end when he finished he would give me homework on things I had no idea about and told me if I don't understand to email him or call a specific number. I reached out to him in email and he would never respond and I would call the number and they would never respond either it was an automated voice that said they would just call me back but never did at the beginning I was told I was going to get all this amazing help and there was no way I could fail but every time I needed help I was ignored I was angry and I wanted to cancel I emailed them including the coach and he told me to call that same number and of course I never got a response back when it was time for payment I actually did get a call from the company they called and told me I had to pay and I told them I've been trying to get a hold of them to cancel this program they said after 3 days of enrolling there's no possibility of cancellation I told them that I did not want to pay for something when I was not getting any value especially when I had some personal things within this time that was a better use of that money I was told they could put it on hold but still had to pay I told them I would pay the first month because I did do it but I was no longer going to pay after, I searched up the company Monterey Financial services which is in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX California, # XXXX and they have a 1 star rating I read the reviews with people saying its a SCAMM I wish read it earlier but I really believed what I was told. I have disputed this on multiple credit bureaus multiple times amd have a police report stating that this was a SCAM and each time it was removed! Now its coming back but only one of the credit bureaus not the others, I disputed it and sent police report and it has not been removed. How would they have removed it 2 other times and on other credit bureaus as well but this time they are choosing to keep it in there it makes no sense this is a company that is known for scamming yet still being able to trick people till this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Kubota North America Corporation
State: TX

Complaint narrative:
I had a retail installment loan through Kubota Credit. 

The loan was paid off ( total loss insurance claim ) on XXXX My autopayment was then deducted XXXX XXXX ( per my bank ) a second auto payment was drafted AGAIN on XXXX I have contacted Kubota Credit and they are doing an internal investigation for the last XXXX days. 

As of this date they are giving me the run around and refusing to return the two fraudulent charges.

Their system shows a partial refund, I have not received any refund, and why WOULD IT BE A PARTIAL RETURN!!?!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS WFDS Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - XXXXERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depo has placed an escrow account on my loan after I refinanced one year later and refused to accept my loan payment claiming that i need to pay not only my normal loan amount but also the escrow fees for property taxes for the next year. When I paid the loan amount they returned the funds to me stating they refuse to accept any partial payments. I have tried repeatedly to work with them but they now have double my monthly payment from {$4700.00} to over {$8800.00} a month in an effort to foreclose and take my home away from me and my family. This predator lending in the US must come to end. People like myself are losing our homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I purchased a Vanilla gift card and added XXXX dollars as a present for a XXXX XXXX on XXXX. When my brother tried to use it on XX/XX/2023 the card said invalid, numbers in front of it were erased. I contacted their customer service and after trying for over 30 minutes I was connected with some lady who pretty much told me she couldnt do anything and I had to open a claim for them to investigate. I email them XX/XX/2023. I sent the receipt, photos of the card and all the information they requested and I havent heard back from them. This is disgusting and abusive. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-07-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-07-28 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: TN

Complaint narrative:
I have inaccurate names and an address being reporting in the personal information section of my consumer report. I requested to have the information deleted because I want to protect my confidential info and avoid identity theft. I do not want my personal information accidentally mailed to the wrong address. I can not receive correspondence from the address ( XXXX XXXX XXXX XXXX, TN XXXX ), nor will I ever know if and when to respond if mail was sent to the other address by error. Someone else lives at that address. I also do not use 3 different names XXXX XXXX, XXXX XXXX XXXX ) to apply for credit. Under the FCRA 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report 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 2023-07-28 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:
CFPB + Equifax, I have filed several complaints on the CFPB to Equifax - Equifax says they have been resolved in their response- and as of this complaint they have not. 

Please see below : 1 ) Complaint XXXX - I stated the inquiry of XXXX XXXX XXXX XX/XX/XXXX was due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - it is still there as of XX/XX/XXXX. 

2 ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

3 ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

XXXX ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

XXXX ) Complaint XXXX - I stated the previous 4 above complaints filed- have not resulted in these unautholrized hard inquiries being removed due to identity theft. And, they are still there as of XX/XX/XXXX Equifax, you need to do exactly as the complaints have stated- to remove the unathorized hard inquiries due to identity theft immediately. 

You had said they are all removed- they are not. Remove them at once. 

Attached to this are : My drivers license My social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
Home address is XXXX XXXX XXXX XXXX, XXXX TX XXXX. At closing we indicated we wanted escrow taken out to pay taxes and insurance. Loan was sold to Guaranteed Rate Mortgage who still after three months of back and forth have not adjusted our payment to include escrow. The last conversation I had with them two weeks ago was that this would be resolved in a week. We also asked them to put us on the two week payment plan to pay off our mortgage faster and they have also ignored that request.

Company response to consumer: Closed with explanation