vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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: MO

Complaint narrative:
In accordance with the fair Credit Reporting act These accounts included with date. 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 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 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 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 they 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 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 2022-06-04 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: MO

Complaint narrative:
In accordance with the fair Credit Reporting act These accounts included with date. 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 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 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 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 they 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have a debt through paypal for some purchase i made a year ago, they reminded me constantly about it, I already put some funds in this account but i cant make it fully i got other debts aside it but i pay the mnimum each month i don't miss payments, I don't have the full amount to pay now, i got financial problems and they keep messaging constantly they even sent a debt collector letter home, they don't give the option to pay them every month little, they want the whole amount i don't have how to pay them now, the debt is {$1700.00}, it was {$1800.00}. If you can help me or hold this payment it will be so appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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:
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 XXXX XXXX XXXX XXXX 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 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 2022-06-04 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. 
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 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 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 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc.
State: VA

Complaint narrative:
On Thursday, XX/XX/2022, I received an unsolicited SoFi Mastercard credit card in the mail at my home. The card was in my name and sent to my home. I did NOT request this card. 

On Friday, XX/XX/2022 at XXXX EST, I called the SoFi credit department to make a complaint. I was transferred to someone in Credit Fraud who closed my account and submitted my case to the SoFi Security Team as well as to XXXX, XXXX and XXXX. I was given the email address of the SoFi Security Team ( XXXX ) in case I needed to ask any further questions and was also advised to contact the CFPB to notify you of this event. 

On Thursday, XX/XX/2022 I also received an unsolicited SoFi Mastercard debit card in the mail at my home. This card was also in my name, though I did NOT request it. I was told by the SoFi credit card fraud department to speak with their Banking and Finance department about that case. I was also told by CFPB to submit a separate complaint about that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On or about XX/XX/XXXX my son, husband and I opened a business checking account with a Wells Fargo representative via telephone. We submitted required documents via XXXX ( including all of our driver 's licenses ). We were notified that the application process was complete and we began receiving deposits and paying bills from this account on a regular basis. In XXXX we were notified that they did not have acceptable documents on file to verify my identity and that I would have to go to a branch office with ID. On XX/XX/XXXX I called Wells Fargo customer service immediately to ask what the issue was and to tell them the closest branch office was XXXX XXXX hours away. They were not able to explain why suddenly there was a problem. After XXXX hours, being disconnected 3 times and going through 4 levels of customer service I finally spoke with someone who reached out to a branch manager at the XXXX XXXX XXXX ( apparently this is where our account that was opened over the phone resides ). I was told I could fax my ID to this branch. I did so at XXXX p.m. on XX/XX/XXXX and have in my possession transmission confirmation. I also tried, unsuccessfully to contact that branch by phone but could not get through. On XX/XX/XXXX we logged into our account and discovered it was closed. A payment we made the night before did not go through and our {$1600.00} balance was not available to us. After several calls to WF customer service, I spoke to XXXX XXXX. She reached out to the XXXX XXXX branch, they were unable to say why my profile was not updated when the fax was received on XX/XX/XXXX. I faxed the information again on XX/XX/XXXX ( with proof of the transmission ), expecting that Wells Fargo would be able to reverse their errors and get the account reopened that day. Instead, I was told it would take 24-48 hours for the back office to update after the branch uploaded the documentation. XXXX tried to get through to the branch via phone to confirm they received the fax, but was unable. A complaint was opened, but today is XX/XX/XXXX my account is still closed and my money is unavailable to me. Everyone I spoke to said due to their " protocols '', there was nothing they could do to get my account reopened right away, despite the fact that they closed it due to their own errors. So far I've received a note from consumer advocacy that they've received my concerns on XXXX and then today I received notice from WF that my account is closed! This is unimaginable to me. They clearly mishandled my account with their repeated errors and have done nothing to rectify this with the urgency it deserved. I adamantly believe that both the XXXX XXXX branch and the consumer advocacy department need to be held accountable and that no one else should have to experience this.

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 2022-06-04 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: AR

Complaint narrative:
Account # XXXX, XXXX XXXX XXXX is reporting false information, the account is closed yet its stilling adding interest to my report causing it to appear as am open account.

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 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
This debt was reported as a collection on my credit report. I disputed it because I have no knowledge of it. The leasing company called Acima XXXX FKA simple claims that it is legit but i did not lease anything from them. I was never notified of such debt. I want to be cleared of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Account # XXXX, XXXX XXXX XXXX is reporting false information, the account is closed yet its stilling adding interest to my report causing it to appear as am open account.

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 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I believe the benefits for this card were poorly represented on the company 's website. In the post-login experience, it seems like I am eligible for the benefit of a XXXX XXXX ; but then when I try to use it, I am not able to. The message that is displayed as to why not is simply : " We're unable to load this page at this time. Please try again later. '' That message makes it seems like the problem is just a technical issue with the website, but when I called customer service, the agent explained that actually I was not eligible for the benefit. That American Express had decided, based on factors that they would not tell me, that I was not eligible at this time. 

I understand that this is not a guaranteed benefit of my card -- however, I think that American Express should not display this benefit to me on my post-login in benefits page if I am not eligible for it. Or, at the very least, they should make clear in the language describing the benefit that more than simply " enrollment '' is required -- you must actually request and be approved, not just enroll. Because the benefit is listed on the post-login page, where it is on my specific benefits page for me and my card, as opposed to the general benefits page for the card for all customers, I believe that these benefits are tailored to me and all available to me. So it feels like false advertising to have a benefit listed and then be told not, actually, you don't have that. 

I am attaching screenshots of the benefits description and the error message that I got from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On Friday, XX/XX/2022 at XXXX XXXX I received a text from a Bank of America number that my account was flagged for suspicious activity and someone was attempting to use my XXXX to take out {$3500.00}. They asked if I authorized this, to which I responded NO. 
Within 5-10 seconds, my phone rang and the caller ID & number stated bank of America XXXX They advised me someone was attempting to take funds from my account but theyd cancel the transaction.

They advised me not

to give out any personal information and theyd verify me using a one time pin code. They texted me and I gave it to them. I woke up this morning and the funds were gone from my account.

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 2022-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Money Lion 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company has called and harrassed me multiple times about paying. They have also added a second balance of the same payment to my credit report file. These people are stopping me from getting an apartment.

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 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A XXXX XXXX from XXXX, MA tried to cash a check for {$2500.00} from my account. Not sure how she got a hold of my checks but now she has my routing number and address : (

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 2022-06-04 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXX account # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: MO

Complaint narrative:
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 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Over the past year I have disputed the collections account with XXXX XXXX XXXX in the amount of {$7700.00}. This was a joint rental agreement with my now ex-husband, XXXX XXXX, and myself. In XX/XX/XXXX, the property manager and myself had a conversation about me losing my job due to COVID-19 and I was no longer able to pay my part of the rent. I also advised the property manager that I had applied for unemployment and was waiting for an acceptance or denial. The property manager allowed myself out of the rental agreement and my ex-husband, XXXX XXXX, would remain on the lease and the remainder of the lease agreement would be his responsibility. I moved out of the apartment on XX/XX/XXXX. This was all done via face to face communication and no documents were provided to me to sign to confirm this agreement. On XX/XX/XXXX, the collection account was removed from my credit report. Now as of XX/XX/XXXX it has been placed back on my credit report. I would greatly appreciate XXXX XXXX XXXX  to follow up with the verbal agreement we had about releasing myself from all financial responsibility for the remainder of the rental agreement and have it removed from my credit report with all three bureaus. This collection account is solely the responsibility of my ex-husband, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
BMW Financial has shared my personal and private information with several third parties, including credit bureaus, without my written consent. BMW Financial has shared false and inaccurate information to third parties tarnishing my name and buying power. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information including inaccurate payments, inaccurate balance, inaccurate interest. BMW Financial has charged me illegally for an illegal repossession and BMW Financial 's legal fees. In the contract it does not state that I am responsible to pay BMW Financial 's legal fees at any time therefore I have been charged for items not included in the contract. 

BMW Financial has repeatedly put the incorrect payment amount on my monthly statement asking for extra payment, at times as much as {$1300.00} extra without explanation.

BMW Financial has illegally repossessed my vehicle without any report to police at time of repossession. BMW Financial committed grand theft auto under code 18USC 641 with an illegal repossession. All together, BMW Financial has committed illegal practice on both sharing my personal/private information to third parties, stealing my vehicle, and reporting inaccurate information to third parties without consent.

Company response to consumer: Closed with explanation