vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with the bureaus on XX/XX/2022, and XX/XX/2022, but they did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : 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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was on vacation from XX/XX/2022 to XX/XX/XXXX. While I was gone my mail box was broken into and all of my mail was stolen. One piece of my mail that was taken was my initial statement from my Barclays XXXX XXXX. Thus, this being a new account not having paperless billing set up and in aware of the annual fee of {$99.00} was due. Since I did not receive my statement I did not even know I had a statement missing that did not get paid in full on time. Once I discovered I had a late payment, I immediately called and made the payment in full on the card. I was told by Barclays to write to the credit bureau to dispute this issue. I am asking to have the late delinquent mark removed from my credit scores with all major reporting agencies.

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 2022-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There have been several incidents in the past where Merrill Lynch has improperly, and without cause, held funds designated for deposit. 

On yesterday, I received a wire transfer in excess of {$60000.00}. This wire came from another bank, and was sent on XX/XX/2022. On XX/XX/2022, I recieved a call from Merrill Lynch indicating that they needed to talk to me to verify a distribution. I waited on hold for over 30 minutes, only to be told, this is a " security '' concern and the funds would be released within the hours. This was after the verification. 

To date, Merill Lynch has continued to hold the funds, without any reason for doing so. After repeated calls, they continue to hold the funds. 

I firmly believe that Merrill Lynch is discriminating against me, and has performed this action, and like action, because of my XXXX. There has not been any history of fraud or fraudulent activity on my account, yet -- every time there is a deposit, I am forced to wait an excessive amount of days to have access to funds that belong to me. 

Merill Lynch has my demographics, and perhaps because of this, they continously act as if I am attempting to " defraud '' them, or I am participating in some fraudulent activity. 

Here, my account is in good standing, maintains a positive balance, yet still- they refuse to release MY MONEY to me. 

This has happened on several occassions -- without reason or explanation. And before I leave this institution for good, I wanted to log this complaint, because I firmly believe they have a practice of withholding money from XXXXXXXX XXXX 

There is literraly no OTHER reason why this bank continues to illegally hold my funds under the vauge guise of security.

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting ag 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

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC
State: DC

Complaint narrative:
I received a notice form XXXX indicating they issued a recall in cooperation with the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXXt I owned. Additionally, I was told I would receive a replacement device free of charge. XXXX issues the replacement device but it was defective. I notified XXXX and was told I had to pay {$170.00} to receive another XXXX XXXX XXXX XXXX but would receive a full reimbursement credit to my XXXX account once I mailed the defective replacement device back to the XXXX XXXX in XXXX XXXXXXXX XXXX. I did this and never received the {$170.00} credit to my account. I made a {$79.00} ( confirmation # XXXX ) payment to XXXX for my bill and was told I did not owe XXXX anything by XXXX, customer service representative on XX/XX/2022. Additionally, I closed my account in XXXX 2022. I have been receiving bills that indicate that I owe {$200.00}. 26. After going to the XXXX XXXX XXXX  store to inquire about receiving a bill, I discovered my account had been sent to a third party collector, XXXX  Receivables Performance. I have not received any notice in writing that my account had been forwarded to a third part collector. Moreover, I spoke with XXXX XXXX who asked for my SSN. I am very unhappy with this situation. I do not want XXXX XXXX or anyone to have my XXXX. My account should not have been forwarded to XXXX Receivables Performance and should not have been sent as a collection to the 3 credit bureaus. I am not sure if XXXX Receivables Performance is licensed to do collections in XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with the bureaus on XX/XX/2022, and XX/XX/2022, but they did not remove them. 

Sec. 602 I have a right to privacXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : 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 2022-12-08 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: CA

Complaint narrative:
XXXX, XXXX and XXXX XXXXall have either incorrect payment histories, incorrect payment amounts owed and due also incorrect account statuslistings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Summit A*R, Inc.
State: TX

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: IL

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 rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: CREDIT ACCEPTANCE CORPORATION
State: MI

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. 
In XXXX I received a letter from a levy that they put into my bank account withdrawing around {$500.00} in order to collect this debt. 
Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. 
There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. 
On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXXXXXX or translation for me. 
This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. 
This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. 
Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. 
I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
When I first bought my home Green Tree was the mortgage company but my mortgage has been sold several times and now it is with Shellpoint and I'm trying to get an equity loan and can't because Green Tree is on my title as the lien holder and they are no longer in business and I need that removed from my title so I can transfer it over to a real estate title and can't because Green tree is no longer in business and can't anyone get ahold of someone from Green Tree to get it removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANK OF THE WEST
State: TN

Complaint narrative:
We have a motorhome loan with bank of the west. We have been trying for months to set up online banking. Because I work during the day I cant always call and work with them. Today I had the day off so I was able to call. I called and have been hung up on three times by their online support telephone number. So I called the executive relations number and was hung up on when they transferred me. I called executive relations back and left a voicemail. They keep telling us they can not find our account number and it is the account number that is on our statement. This is horrible service and hanging up on me because I can not find my account number is uncalled for. I am beginning to think I do not owe them this {$82000.00} if they can not locate my account number and get me set up an online patient so I can pay my bills easier.

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 2022-12-08 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: FL

Complaint narrative:
I am intrested in disputing my credit profile with tranusnion. ive noticed alot of unauthorized information that is hindering my credit 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 non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
My daughter has a cashapp account for children under XXXX, which is called a family account under my name. XX/XX/2022 there were a total of XXXX unauthorized transactions from someone who my child does not know at all. The XXXX charges are as follows : {$15.00}, {$80.00}, {$100.00}, {$42.00}. Someone hacked into my child 's account and we provided proof to cashapp and now apparently after their " investigation '' they are saying that my child authorized these transactions which is a flat out lie and they are saying there is nothing they can do. My child is a teenager who works very hard for her part time job to make money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage XXXX number : XXXX is reporting a 30 day late payment in XX/XX/2022. My XX/XX/2022 payment was received on XX/XX/2022 so it is not 30 days late and should be removed right away as it is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
XXXX, XXXX and XXXX XXXXall have either incorrect payment histories, incorrect payment amounts owed and due also incorrect account statuslistings.

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 2022-12-08 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: CA

Complaint narrative:
XXXX, XXXX and XXXX XXXXall have either incorrect payment histories, incorrect payment amounts owed and due also incorrect account statuslistings.

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 2022-12-08 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: VA

Complaint narrative:
In accordance with the fair credit reporting act these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.

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