vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fig Tech Inc.
State: MO

Complaint narrative:
Fig loans and XXXX XXXX XXXX repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraudulent and Unauthorized card Transaction : On Saturday XX/XX/2021 I received a text message from Bank of America at XXXX  AM which isn't unusual. The text stated that my card was temporarily suspended and needed further verification to continue. I clicked on the link to verify my identity. The link took me to a website that mirrored Bank of America 's mobile online banking. I found nothing to be suspicious. After filling out the information, the website let me know verification could take up to 72 hours and to be on the lookout for follow up communication. I continued with my day as normal. I received the exact same text from the same number at XXXX PM. I found this to be strange because I was told that I had filled out the information. I panicked and walked to the nearest Bank of America to find out that my account had been wiped from an online external transfer. The perpetrator had used my information to hack into my Bank of America and my XXXX XXXX bank account. I received a fraud alert text message from XXXX XXXX that Saturday XX/XX/XXXX at XXXX AM, following a series of online purchases. And another fraud alert on Friday XX/XX/2021. Both of these fraud alert transactions were for billings outside of California. I have attached a copy of the text threads about fraudulent activity on my account. The text includes a link of the mimicking BOA website. Bank of America has denied my claim because the evidence shows that the information provided was correct and someone managed to log on and make an external transfer. However, someone used my information illegally. I have proof that the only withdrawals from this account have been ATM withdrawals until Saturday XX/XX/XXXX, when a cyber thief took all of my money and made an external transfer online because they are not me and wouldn't have been able to withdraw the money in person. XXXX XXXX has been diligently working with me and has credited my account of everything that was taken. Bank of America has not even credited me. The total damage from Bank of America, {$3200.00} were taken. I want to solve this case and I want justice to be served. I deserve my money back. I filed a police report, and want everything to be diligently checked.

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 2021-12-03 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: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
XXXX XXXX XXXX  said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX  dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX  and friends.

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 2021-12-03 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have tried contacting GM Financial but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.

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 2021-12-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX- on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Continental Finance Company, LLC
State: KY

Complaint narrative:
the XXXX XXXX XXXX XXXX  would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them

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 2021-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I submitted 2 online payments to American Express from 2 different banks. One on XX/XX/XXXX for {$1000.00} from XXXX. One on XX/XX/XXXX for {$1000.00} from XXXX XXXX XXXX. I used the wrong bill in both situations and paid an account that had been closed. I intended to pay my XXXX XXXX but accidentally used the bill pay for the OLD XXXX card provider - American Express. Starting XX/XX/XXXX, I've called American Express multiple times only to be told, there is nothing they can do. I even offered to provide the detail XXXX XXXX provided showing information regarding the payments, routing number, account number etc... The only thing Amex does is transfer me to XXXX ( new XXXX card provider ). The money has been debited from both checking accounts and sent to American Express. XXXX confirmed American Express will not forward this type of payment. I've attached details regarding the XX/XX/XXXX transaction from XXXX XXXXXXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: MO

Complaint narrative:
XXXX XXXX and direct recovery services repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
I have written several letters to the bureaus regarding 2 accounts on my report that do not belong to me, I have Id theft and I have sent them my fraud affidavit. The only bureaus they remain on is Transunion and XXXX. XXXX has already remove the accounts.

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 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I attempted to settle for a lower payoff which was turned down cold despite the fact that I have new health conditions that do not permit me to work any more and a 279 % interest rate. 
I filed CFPB complaint # XXXX. The companys response to this complaint was simply to call them, which I did. I was turned down again. Manager told me that since I had modification in 2020, I was no longer eligible, which they never told me in 2020. 
I stand by my offer that I made earlier. 
The manager did offer to stop interest from accruing until XXXX if I would pay of THEIR balance. This is contradicting his statement that I am no longer eligible for any type of modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TX

Complaint narrative:
I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2021, Goldman Sachs reported an INCORRECT balance of {$4600.00} on my Apple Card to the Credit Reporting Agencies. In addition to having an incorrect balance reported, we were unable to furnish evidence of a zero balance as the monthly statements omit any part of the our account number on the statements which make it difficult for lenders to tie back to any particular account. When I called to correct the issue, Goldman Sachs customer service indicated it would take up to 60 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I applied for and was granted a PayPal credit card. I sought the card because the PayPal credit card website promised 2 % cash back on all PayPal purchased when using the PayPal credit card. I proceeded to try to use the credit card when making PayPal purchases. PayPal lists " PayPal credit '' as option for a method of payment. I assumed that " PayPal credit '' was the same as the PayPal mastercard credit card, so I used the PayPal credit option to make about {$1000.00} in purchases, expecting to receive 2 % cash back on those purchases. When I did not see the 2 % reflected in my account, I reached out to PayPal. The automated assistant told me there were no such rewards. It took multiple rounds of my trying to communicate with PayPal and my reviewing the letter I'd received in the mail from PayPal mastercard which included my physical PayPal mastercard credit card before I figured out that PayPal credit and the PayPal mastercard credit card are two completely different entities. Worse, PayPal would not let me add the PayPal mastercard credit card to my wallet, making paying for PayPal purchases with my PayPal mastercard credit card impossible, thereby making it impossible to earn the advertised 2 % cash back.

Company response to consumer: Closed with explanation