vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraudulent charges on my debit card totaling {$740.00}. Bank of America says they wont credit my account due to lack of evidence. The vendor never responded to BOA inquires. I do not recognize these charges. I want them to credit my account the {$740.00} but the refused! Claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC is a company I have no idea about. I do not owe debt to this company. TRANSWORLD SYSTEM INC constantly calls me starting from XXXX and before XXXX at night pretty much everyday, since the month of XX/XX/2022, ( over 15 times ) with voicemail stop statimg their company 's names or what is the matter for. This is a violation if this collections co. Also, I found out this can is legal but not accredited by XXXX. I never tried to fox this problem because I was not aware of this company, meaning, calling constantly with voicemails only stating that this is a matter, please contact them at ( XXXX ) XXXX Who's is reply to harrassment with no information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I hope you're doing well. I need to add to my compliant with Citibank XXXX that the erroneously closed my account. I was never 30 days late. My account shouldn't have been closed. My billing date for payment is the XXXX of each month. I have requested the service agreement on many occasion to support Citibank CBNA right to close an account for a payment that was paid before XX/XX/2022. I paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase explorer card Reference # XXXX Dispute denial after the XXXX XXXX XXXX  XXXX sent a letter stating they will honor the refund in the amount of XXXX chase explorer refuse to challenge the merchant with all the proof we have provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: AZ

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 XX/XX/XXXX/ XXXX :  XXXX XXXX XXXX : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I purchased from XXXX XXXX XXXX through PayPal XXXX assuming that PayPal is a safe place, an XXXX hand made dress called XXXX XXXX and paid {$490.00} plus shipping {$30.00}, total {$520.00} with my PayPal credit. After a week I received an empty envelope 6x9 inches with XXXX tracking number. The seller provided that tracking number to PayPal. So PayPal assumed that the transaction is done successfully. But understandable that the dress couldn't fit in that 6x9 envelope. I opened a dispute with PayPal case I'd XXXX, and provided the picture of the envelope with the same tracking number and the picture of the dress, which I ordered.So it is clear that it is a scam, Now PayPal is asking from me additional info otherwise will decide the case for seller 's favor, or to complain to companies like You or XXXX. So dear CFPB I NEED YOUR HELP. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I received a Venmo request from what I believed to be my friend. The account used the same profile photo and the same login name as my friend. Venmo did not have any warning that this account was an account I had not transacted with before ( this is a safe guard I rely on each time I pay somebody new ) I accepted the Venmo request and subsequently contacted my friend and found that the request was fraudulent. Somebody was pretending to be her and created an identical account. We both contacted Venmo within 5 minutes of the scam and Venmo disabled the scammers account within 10-15 minutes. 

I blocked payment from my bank account. However- now Venmo continually is pursuing me for the {$310.00} even though they have confirmed this was a scam and even disabled the scammers account. My account is now frozen and I cant use Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I attempted to use a XXXX XXXX XXXX XXXX ATM in XXXX XXXX, Kentucky with my USAA debit card. I put in the XXXX XXXX ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into XXXX XXXX to raise the issue. They stated that I needed to submit a dispute with USAA ( my bank ) in order to get the money back. I have tried to do several disputes with USAA but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to XXXX XXXX several times in attempts to get my money back, but each time I go, they tell me that USAA has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. XXXX XXXX verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the XXXX XXXX Customer Department, she stated that their hands are tied and they can not release my money until USAA sends something on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I took a loan from Lendmark in XXXX of XXXX. The dealer who sold me the car finances through Lendmark accidentally mailed me, the consumer, the title. I turned the title back in to Lendmark. The title was then processed through the normal channels through the state of Alabama. However I made an attempt to refinance the vehicle at a lower interest rate through my credit union shortly after taking possession of the vehicle. Upon which I learned that the title forms submitted to the state of Alabama were incorrect, verified by the state of Alabama titling office, and that my credit union could not refinance the loan therefore sticking me with a 22 % interest rate. I have since then, XXXX of XXXX, until today XX/XX/XXXX, been fighting with lendmark to simply get the title in their possession corrected. There was an attempt made by me in XXXX to get the title corrected myself through the state of Alabama, to which the state of AL told me that I myself could not make the correction as I was not the one at fault. So for well over 2 years I have been paying for a vehicle I can not legally put a tag on and I have followed my end of the loan contract with insurance requirements and address changes as necessary. I am out of options. Since I have not legally been harmed over this yet, I am unable to sue, but I am forced to make payments on the vehicle. I simply want the title issue resolved so that I can avoid the headache of filing suit against Lendmark when my loan is paid off. I currently have the money to satisfy the loan in full, but if I do that then I will be left with a situation that is not resolvable by myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: AZ

Complaint narrative:
I've informed trans-union to remove these negative items from my report that I didn't authorize them to place on my reports. They never removed them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX  and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the 3 credit reporting agencies didnt make sure it was reporting 100 % correct. 
Im accordance with the FCRA, everything has to be 100 % accurate to be on my credit report. 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681 ( 5 ) states that these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I recieved a new report on my consumer report from LOCKHART, MORRIS & MONT which damaged my credit from a old medical debt that I asked them to verifiy. XXXX XXXX XXXX is the original creditor but they sold this account three different times and I reported this to the credit bureaus because of inaccuracy of this account. 

From my understanding medical debt should not be reporting to my consumer report as of XX/XX/2022. Why was this allowed? This violated HIPPA laws and all. My information should have not been sold. It is confidential information. 
The amount is {$110.00} Account number is XXXX... 
Date status reported : XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/2022 I went to the Bank of America Branch in XXXX Florida requesting an account verification letter ( I need to provide to the financial company who has my IRA Account ) so that monthly deposits can be made into my Bank of America account. 

I was advised that the letter would take 7-10 business days. I did not receive a call, text, or email as I had requested when the paperwork was complete. I received in my email a case number dated XX/XX/2022 the letterhead 's date is XX/XX/2022. 

I called the number on the letter and gave the case number. The young lady on the phone said that she would send the letter over to the Bank of America location in XXXX Florida which is closest to me. Upon arrival a second time and speaking with the Manager and Financial Advisor I was informed that they had no idea of such a letter. 

Having worked in a financial business for several years I happen to know that there is a letter which includes the complete account number and the owner 's name as it appears in the bank account. 

Was this an effort to begin charging me fees because I would no longer have a direct deposit going into my account? Was this an effort to discriminate against me because of age? 

I know that the elderly are often taken advantage of but this should not be happening. I would like the letter that verifies that the account belongs to me as I requested initially.

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 2022-11-25 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: NY

Complaint narrative:
On XX/XX/22 i file a cfpb complaint with Experian and XXXX and still haven't Responded, modify, or deleted anything. This is against my rights its been 30 days as well. 

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  # XXXX, Account name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-11-25 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: NJ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: GA

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 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: GA

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner finance sent me an unsolicited check in the mail. The terms were if you pay off within. 15 days there will be no interest. A manager told me I had 10 days, I paid off the loan in person with a cashier 's check. Now they are saying they never got the money and are reporting that I owe them along with interest. Mariner finance also entered a hard inquiry on my credit report as if I applied for a loan

Company response to consumer: Closed with explanation