vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 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: FL

Complaint narrative:
I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$100.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX XX/XX/2021.

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 2023-07-03 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: TX

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 2023-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Once again, my account with Robinhood Bank has been blocked. Despite my previous dispute with the Consumer Financial Protection Bureau ( CFPB ), they decided to deny me the ability to live off my assets. Additionally, I have been restricted from accessing my account once again for reasons that I do not understand. I have complied with all of their requests. The actions of the company 's Associates have adversely affected my life and I have informed them of my suffering. Furthermore, I am traveling overseas, and they have deliberately denied me access to funds. The account is used to make a living to cover my living costs due to the increase in inflation. I am entitled to access my account assets, which are used to trade securities. As of right now, I have not been able to trade and make money. Please understand that I reserve all of my rights and do not understand what their policies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NV

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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 explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had a mortgage with Regions Mortgage for approximately 30 years with the mortgage being refinanced. I have always paid the taxes and insurance for this property. On XX/XX/XXXX, Regions Mortgage sent {$2700.00} to XXXX XXXX ( Indiana ) to pay delinquent taxes. The first letter I received from them indicated that the property taxes were for XXXX. When I contacted them and sent them information to show that the property taxes were paid in full on the property on XX/XX/XXXX ( with no back taxes owed ), they changed their story and sent another letter indicating that the payment was for XX/XX/XXXX. Those taxes were paid on XX/XX/XXXX so this amount was credited to the XX/XX/XXXX taxes. Regions Mortgage is treating this as a loan and demanding payment. This has caused my credit score to go down and I am not getting resolution even though I began the process to get resolution on XX/XX/XXXX - almost XXXX month after everything had already been paid in full. Regions Mortgage is telling me that they need to research all of this and can not tell me when this will be straightened out.

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 2023-07-03 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: CA

Complaint narrative:
Im an over 10 years PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer use PayPal email on XX/XX/XXXX. I tried to contact paypal about why my account has been limited and got responses of reason for risky activities. Then I checked the paypal terms, it said : " Higher risk activity We may limit your account if your seller performance indicates high risk activity. This can happen if you : Receive an unusually high number of claims and chargebacks from your buyers, which are an indication of poor seller performance Start selling an entirely new type of product, such as a higher-cost item like jewelry Experience rapidly increasing sales volume, which is out of nature with your usual sales patterns In these cases, we may limit your account while we do a review. '' But I primarily use my PayPal for online shopping payment processor and utility bill pay. In addition, I checked these years ' activities, there is no chargeback, no return or refund in my PayPal and also no money sending or requesting. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : XX/XX/XXXX : {$490.00} sent to XXXX XXXXXX/XX/XXXX : {$5.00} sent to XXXX XXXX XXXX XXXX XXXX : {$450.00} sent to XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, Explore Credit debited {$500.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
They keep calling me multiple times saying that I have an escalated status which I think means it went to collection I told them I am in the process of applying disability because of my mental conditions and XXXX but the lady said that I still needed to pay the minimum which was {$120.00} approximately and I said I'll ask my sister to help me pay that amount but she can't because of her situation and I'm left here thinking something might happen or something and I'm barely sleeping worrying about them and them calling me and reminding me is not helping in the slightest bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On Going issue with this company. I have contacted them in the past regarding this issue they fix the problem then a few months later they repeat with collections. they issued a negative rating on my credit report. It has drop significantly XXXX points. No one at this office will help with my problem. Cant get though to them they switch me from one operator to a Norther. I need help this has been going on long enough. XXXX issued the collection co Credence Resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
After my loan was refinanced and assigned to Specialized loan Servicing in XX/XX/2001, it came to my attention in XX/XX/2001 that a tax payment wasnt received to my town. 

After 2 years, many calls which left the matter unresolved, I had to pay XXXX XXXX XXXX the taxes and lawyer fees because the town hired them to get the money. 

I have backup documentation. I have the dates a times and who I spoke with at Specialized Loan Servicing. I am usually hung up in when I call, or am told all systems are down and I will receive a call back. 

I want to get my account reconciled, and my money returned to me

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 2023-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I can not get a clear answer on PSLF timeline from Mohela or the Dept of Ed. Mohela and I agree that my last ECF was processed in XX/XX/2022, a year ago, putting me over the 120 required payments to qualify. My account accurately reflects the payment count and I've received a letter that I qualify. Mohela says it's a 90 day process, but it's been a year and my loan has not been discharged. I called about discharge for months, and they claim it will take another 90 business days each time. Every time I call I get a new date for the start date of the 90 days, and no one can tell me why it's been a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, I withdrew {$4000.00}, from my credit union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, TX, in the form of a cashier 's check. I then drove a few blocks to Bank of America Branch located at XXXX XXXX XXXX XXXX XXXXXXXX, TX, and deposited the cashier 's check. that was made out to my name. 

I asked the bank employee how soon the funds would be available and was told since its a cashiers check it should be immediately, but, no more than a day. Three hours later I received notification that BOA would hold my funds until XX/XX/2023. There is no reason for these funds to be on " hold ''. 

Had I cashed the cashier 's check and subjected my safety by having a large sum of money on my person I would not have this issue. The bank would not have held funds!!! 

This is the second experience of this nature. In the first, I was informed the credit union check was larger than the established amount of {$5500.00}. Based on this and the fact that a cashier 's check is the same as cash, I did not expect another issue that prevented me with the use of my money!!! 

Three hours after my deposit, I received notification that my funds would be held until XX/XX/2023, at XXXX XXXX local time ; Reason : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' WHAT!?! This is totally unnecessary, and I believe BOA is being a bully. It does not take 13 calendar days/11 business days to verify a cashier 's check. This is ridiculous! 

The verbage on the website states, when asked : " How long does it take for a cashier 's check to clear in Bank of America? 
Funds deposited before XXXX XXXX ET on a business day will generally be available the next business day. Funds deposited before XXXXXXXX XXXX PT on a business day will generally be availasble the next business dayl. You will be notified if a hold is placed on any deposited funds ''. 

There is a systemic problem with BOA 's protocol. This cashier 's check is from a FEDERAL CREDIT UNION! BOA is holding my money and making compounded interest on it. 

I filed a complaint with BOA and the associate stated she would file a " grievance '' and I should hear something within a few days but she was sure my funds would be released. 

Comparison : My sister made a similiar withdrawal from the same credit union in the form of a cashier 's check then deposited it in her account at XXXX and her funds were immediately available without a HOLD!

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 2023-07-03 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:
m not liable with XXXX XXXX XXXX XXXX i do not have contact with XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX has reported my auto loan account late, past due, XXXX, XXXX & XX/XX/2022. According to 15 USC 6802 B, I was never given the option to opt out of my personal information being published.

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 2023-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX has reported my auto loan account late, past due, XXXX, XXXX & XX/XX/2022. According to 15 USC 6802 B, I was never given the option to opt out of my personal information being published.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I called this bank up and asked for the payoff amount and I paid the amount over the phone with my debit card. This was approximately around XXXX of 2022. A month later in XXXX I received a bill for {$2.00}. I called them up and they said it was an interest charge. I asked them to remove it since I had called them up and asked for the payoff and paid that amount. this obviously was an oversight on their end. They refused to remove the charge and they have been charging me late fees and interest charges ever since. The card and account have been closed and I have not used it. I was a loyal customer for a very long time. I feel this is illegal to be charging interest on top of interest and late fees. My bill is now up to {$170.00}. This is from a {$2.00} interest charge. they have currently been charging {$41.00} per month on late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
Hello TransUnion team, i contacted you several time to let my XXXX  auto loan reflect my credit report on a monthly basis, you asked me to let XXXX XXXX  to contact TransUnion to send my information for you. They sent you my information on XXXX and XXXX They sent you my informations on these emails, but you didn't reply yet and they asked me today XXXX, XXXX, 2023 also what documents still TransUnion need to fix the issue. Please reply for the emails they have sent. I'll attach screen shots here. 

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 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I was scammed of {$1300.00} by someone on XXXX because they posted an apartment for rent claiming to be the landlord. He took all of my information like social security number, where I live, and how I look like. I contacted my bank which is US Bank and they declined my claim that I put to get my money back because apparently my insurance through my bank doesnt cover fraud which I had no clue because most banks like XXXX  XXXX XXXX does. I filed a police report and requested a new claim with my bank again. I dont know what else to do to get my money back. Please help me out, 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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

has violated my rights. Or list of inquiries 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