vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX These are inquiries I did not give permission to do and respectfully request that they be removed 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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Child support put a levy on my bank account with out my authorization on XX/XX/2022 of the amount of {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have not authorized anyone to do credit check in my report and there have been about XXXX inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. They advised me to step into a branch & when I got to the branch drive thru and requested to close my account the teller was rude and giving me a hard time. I do not care about any fees because my account is under 6 months old please just close this account and return my funds and I will find a new bank to build a relationship with. M & T and their business practices are ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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: Paypal Holdings, Inc
State: IA

Complaint narrative:
I didnt know where else to put this up, but this is for a PayPal pay in four application in the past, Ive used PayPal pay in four and never had a problem. I always paid it now when I apply it says I am declined due to previous pay in four applications that were not paid!! it was on auto pay, so how did I not pay for it? Ive asked several times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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. The list of account 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 l XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an 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 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 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
{$870.00} being reported as delinquent when I didnt contract with agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
As part of Covid relief, payments after XX/XX/202 on student loans were eligible for a refund. I called and request a refund on XX/XX/22 and am eligible for somewhere between $ XXXX {$2500.00} back. 
I called on XX/XX/22 for an update and was told that my refund request had been approved. 
I called on XX/XX/22 and was told it will take 4-6 weeks to see any progress. 
I called on XX/XX/22 and was told the process can take up to 12 weeks. 
It is now XX/XX/22 and I have seen no change to my account balances and no refund has been issued, this is well past the XXXX week window that I have patiently waited for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate accounts and inquiries in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-01 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: DC

Complaint narrative:
I have not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: DC

Complaint narrative:
I have not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report

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 2022-12-01 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: Self Financial Inc.
State: NJ

Complaint narrative:
Hello, I signed up for Self in XXXX  and cancelled im XX/XX/2021 payments were always on time never past due and I close my account per my request and got a refund and on my credit report it shows derogatory and I never missed a payment and was never late. This is false credit reporting. If this isnt fixed I will sue!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
{$770.00} being reported as delinquent when I didnt contract with this agency.

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 2022-12-01 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:
Improper Use of Credit In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent my daughter whos in XXXX in XXXX AL studying for her XXXX XXXX {$300.00}. 

I later learned that I sent the money to an old cash app ID ( $ XXXX ) which she closed and created another cash app ID of, ( $ XXXX ). 

I called cash app to get them to refund the money back to my account or forward the money to my daughter new cash app ID. 

After being on the phone for approximately 45 minutes, I was told that My daughter had to call to have the money transferred. 

My daughter called while I was on the phone. She provided them with security information that allowed them to see her account as well as I provided them with my credentials. 

They asked her for the credit card that was associated with the old account and my daughter replied that its been almost 2 years sense she bank with that bank and therefore doesn't have or no the card number because she shredded the card when she closed the bank account. 

I then stated that they just admitted that the money is still sitting in the old cash app ID account and they confirmed it was sent from me. 

They then stated that they can't refund my money or transfer it to my daughters account without the debit card that was associated with the old account. 

I reiterated that she don't know and that she even called the bank and they can only provide the last 4 digits of the card because that all they are allowed to see for security reasons. 

I asked them why can't she give you the last 4 digits like the bank and they responded that its there policy that they need the entire card number. 

I then asked what will happen with my money and they responded, they are going to keep it and of course I went ballistic. 

The CEO of cash app is XXXX XXXX. 

I tried googling a number for the cooperate office and only get numbers to there customer service line. 

I then asked them to provide me with a contact number for cash app customer service and they said they can't because of company policy. 

Please file a complaint on my behalf. 

Sincerely XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently opened Bank of America Unlimited Cash Rewards Visa signature card and, within few weeks of use, started seeing unexpected " foreign transaction '' fees popping up, few dollars here and there. 

At first I thought that my account was compromised : I never made a purchase in a foreign currency, with foreign merchant, or traveled outside US since opening this card. 

But then I realized the fees must have been " related '' to an art fair happening in XXXX ( ticket price : {$98.00} ) and a concert happening in New York ( ticket price : {$55.00} ). I made a purchase from a US merchant based in California ( XXXX ), and in US dollars. What makes these purchases " foreign '' is completely beyond me. 

This is a direct violation of cardholder agreement with Bank of America that states only purchases made in foreign currency or with a foreign merchant while traveling abroad are subject to this fee. 

This is also a serious breach of trust. It is impossible to know in advance which purchase will be classified as " foreign '' by bank of America. You will only find out after making a purchase. The practice is not disclosed during advertisement of application process. 

Buying a new watch on XXXX XXXX in New York? Better not be Swiss a watch, don't shop at XXXX or pay a foreign transaction fee. 
Hungry and want a sandwich from XXXX XXXX  XXXX? It is a British fast food chain, you will pay foreign transaction fee. 
Shopping at immigrant-owned business or dining at a Mexican restaurant? There is clearly a foreign connection here. 

My salary is deposited to a Bank of America checking account, and I am now worried that Bank of America is going to invent a " salary deposit fee, '' better check my statement carefully. Or even better, find a new bank.

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 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC bank sent me a letter stating to send them my mortgage payment they bought my loan. XXXX Called PNC  XX/XX/22 2 times requested a mortgage statement with balance escrow etc and proof of the debt I owe them. They refused said I have to pay them XXXX before they provide me with anything that the letter was it. I already made XXXX & XXXX payments to XXXX XXXX.PNC has this loan account added to my online banking and I do not do anything online with them. If they dont have proof documentation I owe them the debt of the transactions I owe them for me and a statement of the loan prior to any payment being made to them I am disputing the debt and loan and want it removed from my account and all records I do not feel I should pay a debt that they cant provide me documents proving I owe them prior to making a payment and expect me to ignore the fact they donot provide the consumer with the proof of debt or a statement to make a payment and a debt to my account without providing me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. It is now almost 3 months later and PHH mortgage services who took over has not taken any action on my request. I have called several times and spoken with the escalation team who told me to just wait. At this point this is costed me {$1000.00} for their delay. No one at PHH can give me a timeline of events or expected completion time. I do not feel confident in their abilities or that they are even processing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
My sister died on XX/XX/2022. The probate court assigned me as personal representative to handle her affairs. The court provided me with written notification of this, and my attorney advised me to open an estate checking account to pay my sister 's final expenses.. I called my sisters bank, USAA, to start this process.

USAA advised me that they did not handle estate accounts. Being that there are no " brick and mortar '' USAA locations, I asked the rep with whom I spoke how to handle this. The rep informed me that they would issue a check directly to me, that I could take to my local bank, or wherever I opened the estate account. The value of my sister 's accounts was rather high, and I did not feel comfortable with a check of that value being in the mail. I asked if we could wire the money, and they said, " no ''. I was told that the only option to transfer the money quickly would be to establish a checking account through USAA in my name, and transfer my late sister 's funds into that account. I was further told that the transfer would be instantaneous if I chose to do that. I opened the checking account in my name as USAA RECOMMENDED. 

Once I opened the checking account ( on or about XX/XX/2022 ), I was then told that it would take 15 business days for the money to transfer from my sister 's account into the new account. When I protested and stated that this was not what I was told originally, I was told by the rep that it was simply USAA 's procedure. 

On or around XX/XX/2022, the money from my sister 's account finally transferred into the newly established checking account that USAA opened in my name. Once this happened, I called USAA to have these funds wired to the estate checking account that I had opened at my local bank. MAY I REITERATE THAT THIS IS THE PROCESS THAT USAA TOLD ME TO DO! This time when I called, the rep with whom I spoke told me that I could not wire the money because my account had not yet been open for 30 days!

My overall complaint is that USAA will find ANY reason they can to not release funds, or delay releasing funds. USAA has clearly failed to understand the simple concept upon which the banking industry was founded ... .A secure place to keep your money and access it when YOU need it. NOT when the bank decides to release it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violation : credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation : other loans not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine 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 non-monetary relief