vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/23 I XXXX XXXX XXXX XXXXXXXX {$710.00} from XXXX XXXX XXXX XXXX to her Vystar account via XXXX. The money was sent in error. I contacted XXXX XXXX and she contact Vystar to reverse the transaction as she had just made changes to some of her personal contacts and didnt have access to XXXX it back. 
On XX/XX/23 XXXX saw the funds removed from her account at Vystar. 
The funds have not been returned to my account at XXXX XXXX. 
XXXX and I have spoken to Vystar and XXXX XXXX together and neither institution can see where the pending {$710.00} is. XXXX has been unresponsive.

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 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
This is a response to complaints XXXX XXXX XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. 

There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. 

They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. 

We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. 

That will be a total refund of {$9500.00}. 

We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: GA

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-27 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: LEXISNEXIS
State: TX

Complaint narrative:
Submitted complaint about the issue through CFPB XXXX XX/XX/, complaint XXXX. LexisNexis still has not responded to to myself or CFPB as of today, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
My Husband and I went into a Forbearance last XX/XX/XXXX  in an agreement that what we had missed in the forbearance would be deferred to how much we owe on the house instead of effecting our monthly payments. I started making payments again 2 months ago and let them know that i no longer needed the forbearance. They have now stund us with a new " modification " that was never agreed upon. they are telling us we owe backpay of over XXXX and instead of our usual XXXX payment a month, we will now owe XXXX a month or they will put our house in foreclosure. There is no paperwork trail. This was all just recorded on their end and was a verbal agreement over the phone. I have tried to get the recording from them now for 2 days. I have been getting the run around and was finally asked to send a hand written letter to the correspondence office and hopefully get a reply back. We have XXXX  children, my husband is active duty military and we absolutely CAN NOT afford this. how do they expect an active duty family who was on a forbearance to all of a sudden be able to pay a mortgage and a half??? we were LIED to!!!!!!!!!!!! we did NOT agree to this and if i had the recording, i know it would hold up in court. this is SOOOO WRONG to do to a military family that already struggles to survive in a town with no family or friends to help! we are a XXXX XXXX XXXX that share a car and have no one to depend on but ourselves. They are unwilling to work with us, or provide me with the recording. I am so sick over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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:
I am filing this complaint because XXXX, XXXX, & Transunion has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information that can not be verified ''. Please resolve this matter as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-07-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX is the bank. I had a car loan with them that was included with a XXXX XXXX bankruptcy. That was discharged XX/XX/2021. Recently, XXXX has reported my loan as charged off for XXXX XXXX I filled a dispute with the credit reporting agency.. Experian. The bank says the info was correct. They are not allowed to collect on that debt since it was in bankruptcy. I'm concerned they are going to sell it. Also, this has caused a significant issue with my credit score dropping. Thank you for any assistance.

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 2023-07-27 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: Diversified Adjustment Service, Inc.
State: MA

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. 
I told the XXXX and XXXX to reinvestigate these account : Account name : Diversified Adjustment Service , IncXXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/ made a deposit of {$9.00} to my daughter 's capital one bank account. I transfered from my external checking account. It posted as clear transfer from my external checking account but was never deposited into my daughter 's account. I called to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
my account is on hold and closed with bank of america with over {$7000.00} in it i have reached out to bank of america benefits card holder several times the hold was because of an identity issue with was resolve with the department of maryland unemployment my identity is verified i no longer have a hol with unemployment habe been expressing this issue to bank of america over XXXX times and they still will not release my funds in the closed acount

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 2023-07-27 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: NJ

Complaint narrative:
I have enclosed a FTC Identity Theft report signed by my local police department.

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 2023-07-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a customer for XXXX XXXXXXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX XXXX XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EXPERIAN 'S NATIONAL CONSUMER ASSISTANCE in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.

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 2023-07-27 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Theses inquiries are not authorized by me and they should be removed immediately because this could be fraud and identity theft

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 2023-07-27 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: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2023-07-27 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: MD

Complaint narrative:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I made a shipment with the remittance company REMITLY for the amount of {$130.00} USD, the problem arose when my mother, the person who should receive the remittance, went to withdraw the money, they told her that it had already been withdrawn, my mother spoke with the manager of the REMITLY associate bank in XXXX and they actually realized that the money had not been withdrawn but according to them the problem was being in the REMITLY system, since the day this problem appeared I have been trying to solve it with REMITLY, but They say they need proof from their associate to confirm that the money was not withdrawn but I have been waiting for a response for XXXX  days and every time I call they tell me I have to wait. I hope you can help me solve this problem, thank you very much. 
Reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These hard inquiries are unauthorized! I never gave consent to any of these. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX In 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 2023-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I settled an account with XXXX XXXX. Paid {$3800.00} as a settlement to zero out my account based on my agreement with XXXX XXXX. Originally I owed the {$6400.00}. 
After I paid the settlement and XXXX XXXX reported the changes to credit bureaus I went to check Experian to see if the changes were maid. 
Under 'Status ' Experian still shows : StatusPaid in settlement. {$6400.00} written off. 
Written off amount is WRONG! I paid {$3800.00}. Written off amount must be {$2500.00}. 
I filed a dispute on their website and they closed it without adjusting written off amount. 

{$6400.00} was last final balance before the settlement {$3800.00} paid in full as a lump sum then the account balance was XXXX ' after I fulfilled the agreement That leaves XXXXwritten off ' balance of XXXX not {$6400.00}! 

I look at it as fraud on credit bureau site - since showing higher 'written off " balance tanks credit score!! Then they bombard you with non-stop emails asking to apply for new cards or whatever else available to raise your score. Reporting the proper writeen off balance will increase the score on it's own!! 
On XXXX XXXX- if they don't report settlement amount to credit bureaus and credit bureaus show last highest unpaid balance that's what XXXX writes off as bad debt on their end, otherwise, they MUST reflect settlement payment and change written off balance! That's a tax fraud!!

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 2023-07-27 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 — Problem with personal statement of dispute
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I was diagnosed with XXXX and missed a loan payment. 

Ive sent them a doctors note which stated I was admitted into a hospital for care. According to the CARES Act - Covid was deemed a Natural Disaster and National State of Emergency and I should not have my credit penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. Same amount same everything just a different collection agency. It keeps on coming up every few month through a different collector. Will it ever end? It was never me I never had anything to do with XXXX. Thank you XXXX XXXX Account name XXXX XXXX  Account numberXXXX  Account type Collection Responsibility Individual Date openedXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updatedXX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Now it opened again XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account number XXXX

Company response to consumer: Closed with explanation