vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
I recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 recently pulled my credit report and was shocked and upset to learn that I have became a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a home for my big family. Please remove from my credit report as 15 U.S code 1681i is law and this is in accurate please help!

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 2023-01-12 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: GA

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX. ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-01-12 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: GA

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-01-12 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: TX

Complaint narrative:
THIS XXXX  ACCOUNT ( XXXX ) HAS BEEN DISPUTED AND COLLECTION HAS BEEN DELETED FROM FILE BECAUSE THIS ACCOUNT HAS BEEN FOUND FRAUDULENT. I NEED THIS UPDATED AND REMOVED FROM MY CREDIT FILE IMMEDIATELY ALL DOCUMENTS HAVE BEEN SUBMITTED TO THE COMPANY FOR REMOVAL AND SINCE THE ACCOUNT WAS SOLD TO FIRST FINANCIAL AND THE COMPANY DELETED THIS FROM MY CREDIT FILE THE ORIGINAL CREDITOR XXXX  NO LONGER HAS RIGHTS TO FURNISH THIS ACCOUNT ON MY CREDIT FILE. REMOVE IMMEDIATELY

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 2023-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I never contacted Bank of America for any types of credit or anything they place on My credit report with me knowing I requested this be removed an deleted off 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 2023-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I need to express my frustration with Hyundai Motor Finance Title Department ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) who are clearly not able to do their job properly. 
I paid off my lease on XX/XX/2022, uploaded the XXXX  statement the same day and have been back-and-forth with XXXX  even up until now in order to have my title released. I have faxed ( XXXX ) and mailed to the title department via priority mail the XXXX form, which was delivered on XX/XX/XXXX ( I have a proof ). No one at XXXX is able to locate that form though XXXX of the special agents ( his name is XXXX XXXX lied to me saying he sees the form and it was uploaded to my account and my title getting released today. When I call back the next day to ask for the tracking number the supervisor told me there is no XXXX form on my account. XXXX clearly lied to me. Every rep I've spoken to gives me different answers. Every phone call I make always ends with " we're going to escalate this with our titles department and put you on highest priority '' and nothing is getting moving. I keep recording everything in order to build a case for a lawsuit if things are not getting done soon. I have filed both XXXX  and CFBP complains, next thing will be getting a lawyer. I have even requested if they are not able to complete the " Lease buy-out '' process from their end I want to get refunded and I will return the car immediately.

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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account is closed TransUnion credit report XXXX allowed XXXX XXXX  to reopening this account with proving identification an full disclosure this not my account an I'm not paying for this debt I requested they sale it back to were they got it from an I need full verification letter an full disclosure don't even have what type loans is it buying my personal information an saling my data an personal information to uptain debt

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 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used PayPal to send an instant payment, like I always do when using this service, to a friend. PayPal decided to put a hold on the instant payment, calling it an echeck. The payment I made was on XX/XX/23. My bank released the funds on XX/XX/23. To date, ( XX/XX/23 ) PayPal still has not released the funds. When I called to inquire, I was told it was on MY banks end where the problem lay. I called my bank and it was not my bank holding the funds. I believe PayPal received the funds from my bank and is holding them for their use. When I asked the PayPal representative why they are holding the funds he stated that it is a banking regulations that requires them to hold the funds. If this is true, then why don't they hold ALL funds paid out to individuals? Additionally, if it is a banking regulation, and they are not a bank as the representative told me several times, shouldn't they have to follow the same release of funds schedule as a bank? I would appreciate your investigation to this matter as I believe PayPal is unlawfully and unjustly holding fund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On the XXXX of XX/XX/2022 at around XXXXXXXX XXXX XXXX XXXX, I got to the ATM with ID XXXX at the city of XXXX, Florida, to deposit money. 
I deposited the sum of {$4600.00} dollars and the ATM took it whole and released back out only {$700.00} XXXX dollars. I thought the ATM was taking time to process the money deposit, but it was not like that. When I saw the screen, it showed a message of error, and I couldnt do nothing to take back my {$3900.00} dollars. 
I started to get really frustrated and did not know what to do. I decided to try and deposit {$100.00} dollars to see if the ATM will do it correctly and it did. You can verify this on my bank statement. After I deposit the {$100.00} dollars, I began calling every Bank of America number I could, but no one would answer, until I got a number from the app that indicated was the claim number, and I was able to file a claim of what happened that night. 

Basically the ATM took the money and didn't deposit it to my account. 

The bank answered my claim and told me they couldn't pay the money, because there was no evidence that supported my claim. So i send a fax XXXX a number they gave for them to re open my case and return me my money, but again they told me they couldn't pay because of no evidence. 

So I decided to start a complaint with the cfpb, because i need bank of america to erase a debt i dont owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I opened a Citi high rate savings account with tiered bonus offer in response to an online offer I received. I deposited {$51000.00} and received a confirmation email from Citi thanking me for enrolling and outlining the terms of the bonus offer. If over XXXX was deposited and held for XXXX  days, I would receive a {$450.00} bonus. The funds have remained on deposit since opening. I have inquired at least 4 times about the bonus offer, filed a dispute, an appeal, to no avail.

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 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
After being told by Rocket Mortgage 's " Customer Support '' that NO ONE who worked for the company could make an exception to their policy about re-clearing a returned debit I spoke with their Account Resolution folks. I was placed into a short term modification during which I would pay the past due amount over that time period by making larger payments. I asked numerous questions about the modification since it did not contain a lot of details. One of the questions I asked was about bringing my loan current this month, XX/XX/2023. I was reassured that I could pay the XXXX payment that had been returned for NSF twice this month. When I tried to pay the XXXX payment I was unable to do so. I then sent 2 separate email messages to XXXX After sending the first email I then tried to call two separate numbers identified as Rocket Mortgage numbers. After calling the first number I was advised via their XXXX that no one could take my call and that I could not leave a message. No explanation was given. I then tried calling a number identified as being for the Account Resolution staff. I spent some time navigating the XXXX only to ultimately get the same message. 

I logged into their webpage again and found the following message posted : " Our call center is currently experiencing issues and we are unable to accept calls. All self-service experiences on web, mobile, or automated phone system are functioning as expected. '' Each time I've tried to make the payment online I receive the following message on their website : " We're unable to schedule, edit or delete your payments at this time. Please call ( XXXX ) XXXX to speak to a specialist. Our hours are Monday - Friday XXXX a.m. - XXXX XXXX  ET and Saturday XXXXXXXX XXXX - XXXXXXXX XXXX ET. '' I suspect you can guess the level of frustration I am experiencing. XXXX makes it virtually impossible to reach any member of their corporate offices rendering them utterly unreachable for all practical purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, I opened my secured credit card account in XXXX of 2022. Ive had returned payments on my credit due to not being able to edit my payment nor having access to capital one atms. My returned payments occurred usually to the fault of choosing the wrong account to pay from. I notified Capital One of this mistake several times hoping they would have a solution such as troubleshooting how to delete external accounts on the app, a stop payment, or editing the payment. No solution that fit was ever offered for this issue. I also was never notified of further adverse action to due return payments. I had the option of transferring funds to the account used but because the timeframe is the same as returning funds, that solution wasnt beneficial. My issue is I was never notified of violating of the terms of the company, nor forewarned that my account would be closing if I make the grave mistake again. My credit report reflects that I pay on time and do not miss payments. Ive taken great efforts raise my credit score and I would not like to see if be affected by being not notified or reminded of conditions and terms of this company. I have no issue with following rules when I am aware of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: SC

Complaint narrative:
XX/XX/2022 someone attempted to open an XXXXXXXX XXXX XXXX  with my informal including SS number, dob, and prior address. It was declined but made 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 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I have been in constant contact with Southwest Credit Systems and have formally disputed this collection attempt with them directly multiple times. Finally, I was able to get in contact witXXXX XXXX, the original account holder, who was able to give me a clearer understanding of what is going on. Southwest should not be reporting anything to my credit report and they need to remove whatever information they have placed on all 3 bureaus altogether. My XXXX  account is paid in full and was XXXX has confirmed the account is in good standing. There is no outstanding payment to be collected although Southwest continues to hound me regarding this. XXXX  has informed me this is illegitimate and that this needs to be completely removed. XXXX also promised that I would be removed following my final payment to XXXX directly. I have attempted to have XXXX conference calls regarding this issue with myself, XXXX XXXX and Southwest. They refuse to acknowledge the account is satisfied and in good standing with XXXX  They continue to be extremely predatory and continue to ask me to make payment on something that I have disputed multiple times with them. They have yet to check and verify with XXXX regarding this. I have contacted this company XXXX times since XX/XX/23. They have not returned any of my calls for the XXXX voice messages that I left with the Executive Relations department. They know that this debt is invalid and refuse to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX a card was opened with ComenityCB/GoodsXXXX for {$3100.00}, I received the alert to my XXXX account and began to take proper measures to freeze my accounts. I am making this report and I will be making a police report and calling XXXX and XXXX to freeze as well. This account was not opened by me and it is fradulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: NM

Complaint narrative:
XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? XXXX  % utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX XXXX balance on card is not updated,? below XXXX XXXX utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX at XXXX has been paid in XXXX! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at XXXX XXXX reporting agencies Trans Union 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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a Bank of America employee do a wire transfer from my checking account to another bank for XXXX to buy a truck from XXXX. That night I realized it was a fake website and not XXXX. I called BofA to cancel the transfer due to fraud. I was told I had to wait until the transaction posted. I waited a couple days. When it posted I called and BofA and was told it could take as much as 60 days for the money to be back in my account. The initial transaction was approximately XX/XX/XXXX. Since then I was told they contacted the other bank and we had to wait now. Ive called a few times and was told the same. I dont thing BofA XXXX trying very hard to get my money back.

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 2023-01-12 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 submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
A collection agency, NTL Recovery Agency has reported to all three credit agencies that I owe {$54.00} to XXXX XXXX XXXX and my score has been impacted. I currently have been with XXXX for 17 years at my current home that I own and checked with them and do not have a outstanding balance with them. My attempts to contact this company have been frutail as they have prompts to pay the debt and no one will talk to me. I have never received any letters, phone calls or any communication from this company. I think this is a fraudulent attempt to get money from people and this is wrong. How can the place a collection on your account that does not belong to you and you have never been notified? I want this removed from my credit report and for them to compensate me for the stress and damage this has done as I am in the process of getting a new credit card with a lower interest rate and this has impacted me. The company is NTL Recovery AgencyXXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. Please Help.. 

Thank You, 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