vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to XXXX5 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted 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 non-monetary relief
Consumer complaint received 2023-02-06 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX got and insf statement dated XX/XX/XXXX on account that i dont hawve. for {$190.00} asked for fraud debt wouldnt send me there - not me. 

also got a bank statement from united bank account # XXXX dated XX/XX/XXXX Not me either.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I went on XXXX XXXX XXXXXXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo is failing to adhere to their stated procedures for resolving customer complaints, including customer complaints that have regulatory implications. The terms of service advise contacting Venmo through chat, but the chat service has been converted into a chatbot that can not accept customer complaints. As you will see from the attached screenshot at XXXX XXXX EST ( XXXX Central Time ), they have deactivated live chat, though they falsely claim that it is still available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I opened a complaint with CFPB # XXXX on XX/XX/XXXX regarding the problem I have with Ally bank described below. It seems that the bank ignores not only my direct complaint to them, but also the one I got with CFPB. It is absolutely not acceptable. I am expecting a fast and positive resolution of my complaint, and payment of my deserved bonus. 

As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. One was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened two new accounts : one individual and one join with my wife. The same day I received two emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received two emails from Ally bank confirming successful transfers of deposits. On XX/XX/XXXX I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't receive. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my 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 monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
XXXX XXXX  : DYCK-ONEAL Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. XXXX XXXX did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

XXXX XXXX subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to DYCK-ONEAL. Because XXXX XXXX was barred from any further collection of deficiency the order would follow the chain of sales of account. 

DYCK-ONEAL has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with DYCK-ONEAL. DYCK-ONEAL has no rights of collection. DYCK-ONEAL provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

DYCK-ONEAL also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and DYCK-ONEAL on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to DYCK-ONEAL on XXXX case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, can you please help me regarding my problem? when I open my email address i received a message from paypal saying that XXXX XXXX Jumpstart your business with PayPal Let 's grow your business together Welcome to PayPal! We're excited to help you start accepting payments with your new PayPal business account. Just click the button below to complete the last few steps to set up your account Prior to receiving that email on XX/XX/2023, at XXXX XXXX, PayPal had placed my customer 's funds on hold. However, when I checked my PayPal account, I saw that PayPal had released the payments from my client and was prepared to withdraw them. 

later after XXXX ago i just received a message from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' XXXX believed this to be a system error. I have a solid selling history and XXXX disputes because I completed all of my selling deals. My Paypal account is properly verified and has no open cases. 
I use it for commercial purposes so that customers can pay me via my website 's Paypal check out. 
When I called customer service about my issue, they claimed that my account and those of others had been automatically banned by a system. 

Help us to fix this problem, please.Also, could you kindly review and recover my account so I can continue to use it for business.To assist me in resolving this issue, I am prepared to give all necessary paperwork, including images of my financial transactions and the website where funds originated.Please lend a hand, as My Paypal account was absolutely necessary. Hopefully, I can rely on you for this. 
Thank You so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am trying to sell my old home in XXXXXXXX XXXX The buyer is assuming the mortgage. The mortgage company is Freedom Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Principal Address at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. The loan number is XXXX. 

My condo went under contract in XXXXXXXX XXXX XXXXXXXX. It is now XX/XX/XXXX. We have not been able to close on the contract because Freedom has not yet approved the assumption. Freedom 's agent in our case, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has told us that on at least one occasion Freedom moved so slow that we had to re-provide documents and information we had already provided because it was now out of date. 

My wife and I have had to continue making the mortgage payments throughout this wait. It is causing us substantial financial hardship. My understanding is that this is taking so long because Freedom is not sure how to actually approve a XXXX loan for approval. My family is bearing the cost of Freedom learning how. 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 explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My private information has been shared without my authorization to release it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
There was a numerous transactions made through Coinbase.com that would Flagg suspicious activity, and they aloud such transactions. 
All details, dates and any information is included on the attached letter. 
Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses from my report as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
Prior to closing, the minimum payment was to be $ XXXX. I agreed to open a new checking account with them so they automatically deduct the payment, and used their system to automatically transfer money in from a different account. 
However, their system ran the transfers late and they increased the amount of the payment to $ XXXX. Since the transfer missed by a few days, the account was short and they rejected the payment. Meanwhile, I continued to transfer money to the checking account with them, but because of the rejected payments they have shut off direct payment. 

XXXX situation : I have deposited more than enough into the checking account with them to cover the outstanding balance and I called them to try to pay it. 
I have contacted their collections department 4 times, twice speaking to a person who hung up on me. I have left messages on XX/XX/2023 and XX/XX/2023 but have not heard anything 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 2023-02-06 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a XXXX at Fifth Third Bank ending in # XXXX. I identified a fraudulent transaction posted to my account on XX/XX/22 from XXXX XXXX  for {$49.00}. I called Fifth Third Bank and had the card blocked, closed, and disputed the transaction. They moved my balance to the new card including the fraudulent transaction! On XX/XX/22 they posted a XXXX XXXX to # XXXX and credited my new XXXX ending in # XXXX. They left the {$49.00} transaction on the old account # XXXX and showed the {$49.00} past due on the old account. I can not get them to zero out account # XXXX and they continue to report it to the credit bureaus! I have spoken with two Branch Management teams and requested they correct this, but neither one has corrected it. I have never been late making a payment! Please request they correct my old account to be closed due to fraud and show the balance to be XXXX! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To whom it XXXX concern, Bank of America opened a savings account and a credit card in my name without my consent. As a result, there are bank account and credit card fees being charged in my name, which if not paid, will affect my excellent credit status. 

This issue arose when my grandmother 's former employer, who banks with XXXX, initiated a transfer from their bank account to my bank account also at XXXX bank. I provided my grandmothers former employer a copy of a cancelled check from my XXXX Bank checking account. Soon after, I began receiving bank account and credit card statements from Bank of America. I have called Bank of America twice to request that the accounts are closed. They are requiring that I file an ID Fraud report, which I disagree with. I do not believe that this matter arose as a result of ID Fraud because Bank of America is the perpetrator, not my grandmother 's former employer. I believe that this matter arose as a result of Bank of Americas questionable business practices.

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 2023-02-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request Physical Verification of this debt that was report to my credit by Equifax, XXXX and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that Equifax, XXXX and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request Physical Verification of this debt that was report to my credit by XXXX, Experian and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, Experian and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.

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