vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: NY

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any injury to my credit score. I did NOT receive any benefit from these inquiries on my credit report and I did NOT authorize these companies or EXPERIAN to negatively impact my credit score.

I demand that they be deleted.

In addition, I did not give you EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry, and giving my approval to negatively impact my credit score. 
I also demand you, EXPERIAN to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf and giving permission to you to allow my credit score to be negatively impacted without any benefit to me. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My Huntington debit card and checking account were frozen due to multiple, legitimate deposits that I made to XXXX XXXX XXXX before and up to XX/XX/XXXX. I had attempted further deposits but received a deposit error since the card was locked. I then self-excluded from the app to protect my winnings which I received confirmation of on XX/XX/XXXX from XXXX XXXX. On the morning of XX/XX/XXXX, I called Huntington to unfreeze my debit card which they did. Approximately XXXX in deposit transactions were then processed bringing my balance down to XXXX. I contacted Huntington to dispute this since the charges shouldnt have gone through, and they closed my account and today denied the dispute. Theyve shown nothing but a complete disregard for fiduciary responsibilities and consumer protection. I deposited some XXXX since opening the account recently and instead of locking in the XXXX  remaining balance as I intended via self-exclusion, they let it get drained and then acted like I was the one doing something wrong by closing the account and ruling against me without asking for any documentation. The customer service rep from their dispute team today told me that I couldnt file a CFPB complaint because the dispute and account are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Hello, My name is XXXX XXXX and I am having a problem with Freedom Mortgage Corporation located in New Jersey. In XXXX I obtained a loan with XXXX XXXX XXXX XX/XX/XXXXlocated in XXXX, Washington. I'm hoping to get to attach page XXXX of the related Deed of Trust. In XXXX the loan was purchased and assigned to Freedom Mortgage Corporation. I'm hoping I can attach the Assignment. Around XXXX I paid of the loan balance in its entirety. The XXXX XXXX department at Freedom Mortgage has these documents because I faxed them both to them at XXXX I am now in the process of selling the property that this loan was secured to, but am unable to do so because Freedom Mortgage Corporation never reconveyed the Deed of Trust, so their lien still shows on the property. 

The title company XXXX working with, XXXX XXXX XXXX, XXXX located in XXXX, Washington, and I have had several calls with Freedom Mortgage attempting to get them to help us. The closing on the property has been delayed and the transaction is at risk of not closing. Prices are dropping in the real estate market every day. If this deal collapses, the property will likely not sell for as high a price as it would if it closes now. 

Freedom Mortgage is unable to locate the loan number and therefore does not want to address filing a reconveyance. I was just on the phone with them for over an hour with XX/XX/XXXX XXXX XXXX XXXX. My old loan does not show up in their system. Logically, if I have provided them the assignment of the loan to Freedom Mortgage that they recorded with XXXX XXXX, and I do not have a loan balance showing up in their system, the loan must have been paid. Unfortunately, when the loan was paid they did not bother recording a reconveyance. The have told me that their records from that time period have been purged and my old loan does not show up in their system. 

I need Freedom Mortgage to record a reconveyance with XXXX XXXX before the proposed buyer of my property walks aways from the transaction.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to dispute items fro my report but i have yet to receive any feedback. Im not sure if it is because of the holidays

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
I made a report with the FDIC recently then shortly after they recieved the complaint they took the power of me using my account it was a hassle to get my money back and I was charged for my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and on XXXX XXXX a credit card was opened with creditor XXXX XXXX or Swiss Colony XXXX. This inquiry was fraud on my credit report because I never authorized this account to be processed. I want to dispute this because it messed up my credit score and I just purchased my home and i dont want to lose my home because of a fraudulent inquiry. The credit card limit was XXXX  and the reported balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I never received noticed from XXXX about the warning to forward to collections. I never was warned that it would be sent to collections when it was. I use the app to pay what I can on it and my recent payments were in XX/XX/2022. I was paying what I could and it just got sent to collections without notification?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
the card if my American Express business card. from time to time I am late on a payment. strictly because i get busy and forget. on my XX/XX/XXXX closing date, i was XXXX day late but paid in full. on my next statement i expect a late fee and some interest. I was late and I paid it. that would be the closing date of XX/XX/XXXX. note : this statement was paid on time and in full. 

on the XX/XX/XXXX closing date statement, i notice interest. I called, they said it was interest from the XXXX day late statement. back on XX/XX/XXXX. when you ask, they can not explain it. 

XX/XX/XXXX statement : XXXX day late. which will generate interest on the next statement. 

XX/XX/XXXX statement : late fee plus interest from XX/XX/XXXX statement. statement is paid in full. 

XX/XX/XXXX statement : has NO late fee but more interest from the XX/XX/XXXX XXXX day late. 

how and why : the XX/XX/XXXX statement that included the late fee and interest from the XX/XX/XXXX XXXX day late was paid in full. Hence that stops all interest. you are not charged interest if you pay your bill in full. 

now I dont care what the hidden rules state on the card. this bureau was set up to create fairness and protect consumers. 

I did not mind paying the late fee and interest on the XX/XX/XXXX statement. but if a person pays that statement in full and on time, the interest should stop. under this situation, when will the interest end???? where in my contract does it clearly state if you are late or fail to pay your balance in full, the interest will take XXXX, XXXX or XXXX statements to zero out. 

how do you zero out the interest? that needs to be crystal clear and it is not. this is a scam. and when i called, they can not answer the question. they can not show you in the card agreement where it states, it will take X months to zero out. 

and how does XXXX day late generate interest when the bill is paid in full? i understand it generates a late fee but not interest. your only suppose to pay interest if you carry a balance. 

the entire issue is very simple : how do you zero back out on the interest when you are paying your bill in full every month??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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 all incorrect information on the credit report with transunion.

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 2023-01-06 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: MI

Complaint narrative:
ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2023-01-06 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: NY

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : May 23, 2021 I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or TRANSUNION to negatively impact my credit score. 
I demand that they be deleted. 
In addition, I did not give you, TRANSUNION permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, TRANSUNION to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc.
State: NC

Complaint narrative:
B9 is charging a XXXX XXXX for an " XXXX XXXX XXXX '' for using my b9 debit card to add money to XXXX  or XXXX XXXX. This has cost me nearly {$200.00} in " external wallet fees '' since I opened my account them. 


XX/XX/XXXX - {$8.00} XXXX XXXX- {$16.00} XX/XX/XXXX - {$19.00} XXXX XXXX {$6.00} XX/XX/XXXX {$10.00} XX/XX/XXXX, {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX, {$19.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$0.00} XX/XX/XXXX, {$9.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} ( not a duplicate ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} This totals to {$180.00} in EXTERNAL fees for adding a balance to my apple wallet/cashapp. 

In my cardholder agreement it stated the effective date was XX/XX/XXXX, but the external wallet fees started for me in XX/XX/XXXX. 

XXXX also charges a monthly fee of $ XXXX. I am being charged $ XXXX mo since XXXX. Before that, it was {$10.00}. Since opening an account with them, I have paid {$200.00} to use their service.Year to date, my fees have been almost {$400.00}. 

I feel like this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a dispute on a purchase made on XX/XX/XXXX for XXXX} as the product does not receive. 
The dispute was denied due to Chase 's claim merchant providing sufficient tracking information. 
I filed an appeal and request the tracking information and proof of delivery. 
On XX/XX/XXXX Chase denied my appeal and favored the merchant without providing the tracking information and proof of delivery chase claims obtained from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used XXXX, XXXX PayPal company to send money to my contact " XXXX XXXX '' in XXXX. 

XXXX is saved as a " XXXX '' in the XXXX XXXX  and I usually select the contact and use the " swipe to send '' option. 

I have successfully transferred money to XXXX in the past through this option. 

However for transaction XXXX, I used the same option, but the money never reached XXXX. 

I reached out to XXXX multiple times ( at least 7 times on the phone- each time the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I need to call back ) and it never got resolved. 

I wrote to XXXX customer service and they responded saying " We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. '' I did not use an incorrect account number. I just used the account number which was stored in XXXX for my contact. So, this transfer going to an incorrect account, is a problem with XXXX system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 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: IL

Complaint narrative:
Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the Transunion Bureau to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX XXXX XXXX was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, To whom it may concern, I was a victim of identify theft and I found out in March XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.

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 2023-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC
State: SC

Complaint narrative:
My lease payment auto-pay sent, by my mistake, an extra payment in XX/XX/2022 to Volvo Car Financial Services ( VCFS ). When I realized the error, I immediately called VCFS and the representative confirmed there had been 37 payments made ( 36 valid lease payments and XXXX mistaken extra ). My issue is that it has been over a week since that was acknowledged. I still don't have my money back. They claim they'd like to deduct end of lease fees from that amount. This is unacceptable. I will pay any legitimate fees as may be necessary. The potential for future charges does not justify VCFS holding money not belonging to them for an extended period of time.

Company response to consumer: Closed with explanation