vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CO

Complaint narrative:
In XX/XX/2020 I opened a saving account at Discover bank, my opening deposit was a wire from my brother on a mortgage payment he owed me. The deposit was {$7700.00} everything was fine the bank allowed me to spend off about {$1100.00} of it. Then for some reason about a week later, and for reason they refuse to disclose, the account was frozen. I was told at the time that I would have to have my brother reverse the wire. Well the account balance was then much less, and the transaction had already settled. It was not possible for the wire to be reversed a week later. Then some months later they told me I would have to wait for the time frame to expire, and thus it would be given to State Unclaimed Property Division. I would be able to claim it that point. 

To this day Discover Bank has held my legitimate deposit and funds to no avail. I have submitted countless documents proving the funds and any other reason I could think of to satisfy this unknown issue. To this day I still get yearly interest statements and I want this resolved and my money out of there custody. They will not even talk to me about the issue and act very very strange while on the phone. Over the years I have contacted them at least a dozen times regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: I.C. System, Inc.
State: WI

Complaint narrative:
To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$300.00} Account Name 1.C. SYSTEM, INC Account # XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements.

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 2023-05-02 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: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information.

2. Average time since accounts opened is too recent.

3. Average time since revolving accounts opened is too recent.

4. Too high proportion of accounts recently opened.

This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history.

2. No more accounts have been opened since the beginning of the business relationship with XXXX XXXX 
3. See point 2.

4. See point 2.

Additionally : a. I have always paid before the due date and have paid more money than requested.

b. They can verify that the only change in my credit history was reported by XXXX XXXX, so this is what affected my credit score. 

Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with XXXX at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected.

I hope you can resolve my problem as soon as possible. I have a family to feed. 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 2023-05-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit report is locked with XXXX credit bureau. So I don't understand how this company could run a credit search. I did not request a duplicate credit card. I received an email telling me that I was denied for a home Depot application. I never applied for a home Depot credit card because I already have an established credit line with this company since last year. This mistake has caused a hard inquiry on my report!!! I reported this error to the credit bureau and they sent me a email telling me they found the creditor to be accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I had multiple problems with fraud in my account at USAA and the last time, I moved all of my money to another bank. During this move, the bank ( USAA ) chose to no longer do business with me. During the money movements, my account became overdrawn. I missed canceling 3 transfers into that account and one direct deposit. With all of the money that I missed, my account is now in a positive status. Now the former bank ( USAA ) is saying that even though my accounts are positive, they will not return my funds until XXXX. I find this entire sequence of events to be reprehensible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: AL

Complaint narrative:
Delete hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account . I believe this limitation was placed in error and I have not violated any PayPal policies.

I am a law-abiding citizen and have always conducted myself in a professional and honest manner in all of my business dealings. I am confident that I have not violated any of PayPal 's policies and I urge you to re-investigate my case.

I kindly request that you review my account and take into consideration any and all evidence I can provide to support my position. I would be grateful for any assistance that you can provide in this matter.

I sincerely believe that my account should be reinstated as soon as possible, and I respectfully ask that you consider my request. I am available to answer any questions or provide any additional information that may be required to resolve this matter.

Lastly, the email address on my PayPal account is XXXX. I appreciate your time and attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
See the document that I will be attaching, this is regarding these accounts that are not mine and I want these 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 non-monetary relief
Consumer complaint received 2023-05-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Good day. I am seeing a unusual amount of inquiries appearing on my credit report that I do not recognize, specifically over the past few months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX LVNV Funding LLC acquired the account and now has sold the account on XXXX to Resurgent. Resurgent has threatened to sue me for an old credit card debt. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to XXXX XXXX XXXX XXXX. XXXX XXXX has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

Yours very truly, T

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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:
XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account XXXX : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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. 

Sincerely, 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
Consumer complaint received 2023-05-02 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal, I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to appeal this decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies or engaged in any activity that would warrant the permanent limitation of my account. I have been a loyal and active user of PayPal for many years, and I have always ensured that my account complies with PayPal 's policies and guidelines. 

Given my clean record and my compliance with PayPal 's policies, I strongly believe that the limitation on my account was placed in error. I would like to request that PayPal re-investigate my case and restore my account if possible. I understand that PayPal has a duty to ensure the security of its platform and to prevent fraudulent activity, but I firmly believe that my account does not pose any such threat. 

I kindly request that you take a fresh look at my account and reconsider your decision to permanently limit it. I am confident that a thorough investigation will reveal that my account is in full compliance with PayPal 's policies and that the limitation was placed in error. 

I appreciate your attention to this matter and your prompt response. I hope that we can resolve this issue amicably and restore my account as soon as possible. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: OH

Complaint narrative:
I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with 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
Consumer complaint received 2023-05-02 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: OH

Complaint narrative:
I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX. This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
It would appear PHEAA has blocked my account access, which is another red flag. I feel they are doing all of these things as a response to me fielding complaints against the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 have disputed the inaccurate information multiple times. I have also reached out telephonically as well as by letter requesting statements being mailed out to me to verify all transactions and validity. not one vendor or creditor sent out any statements via my request and this was verified by the postmaster of my local post office where I get mail. the postmaster also vouchers that no mail has been returned.

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is ridiculous! Midland funding is trying to sue me for a debt that doesn't even belong to me. This is a fraudulent lawsuit and they shouldn't be able to treat consumers like this. They submitted 2 exhibits to the courts that were copies of invoices. First of all, that's not even a form of debt validation. Secondly, the CFPB has addressed them about fraudulent lawsuits so why do they keep doing this to consumers. This is abusive behavior and they are misleading the court system with false information and it's a violation of the FDCPA! This lawsuit needs to be dropped immediately! I am requesting that they provide the following information : Please provide the following information XXXX. Name and address XXXX. Name on file of alleged debtor XXXX. Alleged account # XXXX. Address on file for alleged debtor XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Dates ( this alleged debt became payable ) XXXX. Date of original charges or delinquency XXXX. Was this debt assigned to a debt collector or purchased? 
XXXX. Amount paid if debt was purchased. 
XXXX. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grant Midland Funding the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. - All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Midland funding, in case legal action becomes necessary : Authorized Signatures of Creditor : _________________ Date : ______________

Company response to consumer: Closed with explanation