vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I am writing to dispute the Ability Recovery Service XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this keeps on reporting inaccurately in my credit report because I dont recognize that account base on the report of Ability Recovery Service . Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : XXXX ) Date when the account was opened is inaccurate, reporting and violating the FCRA laws because I havent opened any account this year in the institutions mentioned above in my XXXX credit report, please provide in writing the agreement of this account. This type of manipulation puts me in financial harm as it shows that account in collections in my credit report. Attached to this file there is a copy of my XXXX Credit Report. XXXX ) The account doesnt show payment history or monthly transactions reporter. This manipulated my credit score intentionally as the report attached do not shows updates and changes in the account. XXXX ) No credit Limit at all, no higher balance and neither payments to the account. I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: IN

Complaint narrative:
My credit score has dropped SIGNIFICANTLY in the last 6 months due to Credit Karma consistently pushing approved loans on me that I am not, in fact, approved for. The number of hard inquiries on my report for loans that I was subsequently denied, is totaling up to 7+. Half of these inquiries were not even made by me. Its going to take me another 6 months just to recover my credit score and actually be approved for a loan. No new house. No new lines of credit. Nothing. Theyve royally XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX  Account 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.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My husband and I were going to buy a r.v. to live in. Credit karma said our account or credit score was XXXX. We are from New York. We went to Virginia by my daughter looked around picked out a R.V. they ran a hard copy of our credit and found out it was much lower. It was XXXX XXXX in XXXX V.A. we were embarrassed! They doubled our payment. We are XXXX, we did not get one. They did say that Credit Karma is a scam and many people have gone through the same thing. I feel defrauded. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I was told by credit karma that I was pre-approved for a loan in XXXX, 2022 with 90 % approval odds and was subsequently denied with a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX  Account 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.

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 2022-09-11 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:
accordance with the fair credit reporting act XXXX  Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, Transunion, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On or around XX/XX/2015 my Aunt left monies and trust to undersigned of which Funds were withheld by Suntrust Bank Account XXXX XXXX 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 2022-09-11 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi -Sears XXXX , will not issue my refund to my credit card. The item was returned to Sender-Merchant on XX/XX/2022 who is XXXX. XXXX issued the refund which is confirmed by their " Email Confirmation '' but Citi Bank is keeping my refund which is illegal and will not give the credit back to me. I provided the USPS Tracking Number to them which Citi Bank -Sears can see the XXXX item was returned back on XX/XX/2022. 

On XX/XX/2022 Statement attached, according to my Citi Sears Statement, this XXXX item is back on my statement twice as {$130.00} as recharge when the item had returned and refunded by the Merchant months ago. This is not right, plus I am double charged for a item I don't have and was refunded by the Merchant. 

Then on XX/XX/2022, Sears sent me a letter ( attached ) stating I have to unfairly pay for the XXXX Item that was returned to the Merchant UNOPENED since XX/XX/2022. 

This is not right and not justice. I feel like I am being SCAMMED by Citi Bank XXXX to keep my refund and to double charge me with interest for a item I properly returned months ago.

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 2022-09-11 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX 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.

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 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been scammed over XXXX on XX/XX/2022. 
A XXXX user XXXX XXXX offered to sell 4 tickets to XXXX XXXX XXXX XXXXXXXX. She asked {$200.00} for them and told me to XXXX money to her sisters account : XXXX XXXX, XXXX. She received the money and a couple of hours later she emailed me some XXXX codes. 
The XXXX codes did not look right, because my friend purchased tickets directly from the company and they looked different. So I texted her back via XXXX XXXX and asked for the original emails with the tickets, but she never replied. Over the next couple of days, I repeatedly emailed and texted XXXX XXXX, but she never replied. 
On XX/XX/XXXX I went to XXXX XXXX XXXXXXXX page and found that she deleted our conversation, and she keeps commenting under different posts, selling the same fake tickets to other people. This was the moment when I realized that I got scammed. 

I contacted Bank of America on XX/XX/2022 and reported the loss of funds, but was told that the investigation can take up to 90 business days and theres no guarantees that I will get the funds back. 
When I asked the bank representative for a Regulation E dispute guidance, she said its not my case since the transaction was authorized. I replied by reading that the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. Her tone changed and she answered, let us do our investigation. 
Since it can take up to 90 days for the bank to investigate, and the deadline for a Regulation E dispute is only 45 days, I thought its best to file this complaint immediately. 
On XX/XX/XXXX I also reported this scam incident to FBI Internet Crime Complaint Center at XXXX and to Federal Trade Commission at XXXX 


I will attach all the documents connected to the scammer ( messaging with XXXX XXXX, my email to her that she never replied to, screenshots of her XXXX page, her comments on XXXX XXXX XXXX XXXXXXXX page, fake tickets she sold ). I also just purchased new tickets from the event website. Let me know if you want me to send those to you too, since they are absolutely different from what she sent. 
Please, see the scammer 's XXXX page here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I listed furniture on XXXX XXXX, buyer contacted me, wanted to buy and opted to pay me {$500.00} via zelle. Got email from Zelle saying they had the funds on hold as my checking account was not a business account and buyer had to send me {$350.00} to upgrade my account to business, then I had to send back {$350.00} to buyer and show the proof, then Zelle would release {$850.00} back to me. Then Zelle sent email that buyer 's account was charged {$350.00} in duplicate and Zelle could not refund him the {$350.00} as it was already in its system and could not reverse so asked me to send additional {$350.00} and they would refund me {$1200.00}. Otherwise they would not be able to release the funds. Then Zelle asked for {$700.00} for a Certificate Fee which would also be refunded to me. My bank stopped that payment, fortunately. Yes I fell for a scam to my horror for the first time in my life. As it's Zelle the {$700.00} ( $ XXXX ) my bank is unable to recover the funds. Is there anything that Zelle can be responsible for in this situation. I believed the emails were actually coming from Zelle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: Contemporary Information Corp
State: CO

Complaint narrative:
Im a natural living human and I have rights under the 15, USC 1681, that XXXX  who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give XXXX real permission to furnish these accounts information. 

Accounts : XXXX XXXX XXXX Account XXXX Contact info XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NY XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX Account xxxxxxxxxxxx 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.

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 2022-09-11 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:
accordance with the fair credit reporting act XXXX  Account xxxxxxxxxxxx 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Upon reviewing my contract there are many breaches to the contract. I was coercion into the contract, influenced by dealer with material misrepresentation. Their are also many codes violated ( United States codes ) U S C 15 1602 ( k ) - U S C 15 1662 -U S C 15 1605 - U S C 15 1609 ( A ) CODE OF FEDERAL REGULATIONS ( C F R ) 12 226.15

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 2022-09-11 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Specialized Loan Servicing ) On XXXX XX/XX/2022, the XXXX XXXX XXXX XXXX XXXX XXXX has filed a {$100.00} lawsuit against me in order to foreclose my house. I have lived in the house for the last 18 years and since then the equity has tripled. In the last XXXX years, I have sent my mortgage payments on a regular basis and yet, Specialized Specialized Loan Servicing was sending notifications and harassment threatened letters to foreclose my house. 

In XXXX, they have returned the mortgage payment check and stated that I'm behind by {$8000.00} without being specific as far as the months they did not receive payments for. When I requested a payment history, they sent me a 60 page worth of payments history. I could have gone to my bank and showcased that they were receiving the payments and cashed them all. 

Since they stopped taking payments from in XX/XX/2022, so in XXXX I paid them {$5.00} over the phone to cover from XXXX to XXXX. To my knowledge, the fund was not applied into my account. In XXXX, they sent another threatened letter stated if they do not receive {$12000.00} in XXXX days, they will proceed to foreclosure. I did not even know where that amount came from. I had to settle with them to avoid foreclosure. I spent a total of {$18000.00} and yet most of the fund was not applied into my account. THIS IS STUNNING!

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 2022-09-11 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX Account xxxxxxxx XXXX, has violated my rights. XXXX5 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.

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 2022-09-11 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:
accordance with the fair credit reporting act XXXX  Account xxxxxxxx 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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:
accordance with the fair credit reporting act XXXX Account xxxxxxxx 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.

Company response to consumer: Closed with explanation