vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a payment from my XXXX XXXX  account to my Barclay 's NFL Card for {$780.00} electronically on XX/XX/2022. The payment should of went to the new company that Barclay 's sold the XXXX card to XXXX XXXX. My bank XXXX sent me the information showing that my electronic payment cleared through Barclay 's but Barclay 's never sent the payment over to XXXXXXXX XXXX or sent the payment back to me. When a bank or financial institution bulk transfers accounts from one custodian to another it should have the ability to sweep to the new account for a time period of at least 90 days. Barclay just held the money for my payment of {$780.00} or transferred my payment to the wrong institution. I have been trying to locate my electronic payment over a year now. I am both confused and concerned how nobody has an audit trail for an electronic payment getting paid into a financial institution that is required to maintain all of this pertinent data. This information being maintained is required by ( REGULATION E ) Governed by the CFPB I am attaching all the information from XXXX XXXX showing I made this payment and also a copy of my bank statement showing the electronic payment went to Barclay 's and cleared at Barclay 's.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.

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 2023-07-05 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: MO

Complaint narrative:
XXXX/XXXX/203 I notified Experian of fraudulent account reporting on my credit report by submitting a FTC Identity Theft Report. They have not removed nor blocked the fraudulent account.

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 2023-07-05 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XXXX has collected money of my checking account in America first credit union, since XX/XX/2023. I bought them two resumes and they collected the amount. After that they are collecting more money. I went to the bank and they sent the report to XXXX. They said that that account was cancelled. I wrote to XXXX, and they sent in many times the same answer : the account is cancelled and we don't give refunds. They didn't stop collecting the money. I didn't sign a free trial.For this reason I write you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023, Id been in the process with Navy Federal of getting a Letter of XXXX XXXX that I could move forward with the sale of my vehicle. I provided all the information that the Navy Federal requested to proceed with this process and cooperated fully. I explained that I was trying to complete the sale on that day ( XX/XX/2023 ) due to the possibility of me not having time throughout the rest of the week to go through with the sale of my vehicle. I was told that the process might take some time, but the possibility of my receiving the letter on XX/XX/2023 was doable. Around XXXX XXXX, I spoke to a representative in XXXX XXXX  regarding my Letter of Guarantee to see if it would/could be processed that day. Id also explained that I was at the dealership, and they were waiting for the letter to complete the sale. I understood it couldnt be done that day, but the representative told me my Letter of Guarantee would be available that day ( XX/XX/2023 ). She told me to check my email and the Navy Federal e-message for the letter within the hour. I hung up and waited for the letter but did not receive the letter at all. On XX/XX/2023, I called back to find out what happened to see why I hadnt received the Letter of Guarantee yet. Id further explain that I might not have the same time to complete the sale if the letter was not sent promptly. I still have not received the letter at the time of this CFBP submission, and I am still waiting. I was told false information from the last representative I spoke with in XXXX XXXX  on XX/XX/2023. If this process could not be completed on that day, she should have relayed that information so that I could have done something outside the expectation that Id receive the letter that day. Im very unhappy with the customer service, deception, and inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and XXXX are reporting the correct information however Equifax has been retaliating ever since the Equifax data breach and is purposefully not reporting correct information- they even removed my military service information from my credit report. I have filed several CFPB ( e.g. XXXX with supporting documentation ) report regarding my address. I have a right to dispute inaccurate information in my credit report and have contacted Equifax several times via phone and email. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Regarding Addresses where I have lived : # 1 XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX XXXX ) # 3 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX ) # 4 XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX ( XXXX XXXX ) # 5 XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX XXXX ) # 6 XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) Occupation : United States XXXX Veteran - also update my Military Star Account Licensed CA Real Estate Investor My credit report must be accurate because it has an impact on my livelihood. USPS just stole my pacakge- this false imprisonment illegal acts have no place in government.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Credit Corp Solutions Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX. Internal reference number DT XXXX. 

Contacted me via letter to inform me of a XXXX XXXX XXXX debt. 
Account:XXXX previously known as XXXX Opened on or around XX/XX/XXXX. 
Last Payment XX/XX/XXXX. 
Charged off XX/XX/XXXX, and been transferred to them from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

I contacted them via telephone to inquire about a collection account on my credit report for this XXXXXXXX XXXX XXXX I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in XXXX since XX/XX/XXXX. 

The only help offered by them was to send me a XXXX XXXX  Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. 

Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. 

I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with XXXX XXXX. I also requested that they remove this invalidated debt from my credit report. 

They never responded to any of my letters but they did remove the item from my credit report. 

The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. 
The company is XXXX XXXX PA, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I will submit copies of the letters sent to Credit Corp Inc as well as the tracking numbers for all correspondence I had with them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NC

Complaint narrative:
I went to the XXXX lot and I also went to the XXXX lot both. Both companies said that they were only run my credit once, but they ended up running my credit numerous times which really affected my credit score negatively, and I did not authorize all those inquiries. Here is a list of the inquiry below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lendmark Financial Services
State: TX

Complaint narrative:
They are calling my work repeatedly after I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Currently I am on credit report monitoring because of a prior data leak from XXXX and others. Because of my current economic issues I do not use credit and have " locked '' my credit report from use! I have even went so far as actively delete all my social media profiles, accounts and the data they had. I regularly receive updates and notifications through Experian ; as part of a free service provided through the data breach. This week I received a regular notification and went to their website to check everything out. To my surprise they are now showing my prior criminal activities from my troubled youth ; Experian never showed any of this previously. I spent a long time working with these courts to expunge these records. I understood through online research, even though the courts may have actually purged these records, many online companies keep and fail to update and delete these records.

The problem is I am already suffering severe financial hardships through dealing with Florida 's workers compensation system. I believe Experian is fraudulently trying to extort money from me by coercing me to sign up to one of their " premium '' services to purge these companies on the internet with their " scan tool ''. I am at a loss as what to do! I want to hire an attorney but know that I can not afford that. I can contact Experian but they will only stop showing these records. I need these companies to delete this outdated information. I am already having difficulties obtaining gainful work as a result of my injuries, this will destroy me! 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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I filed a few disputes with Huntington Bank. While I was in XXXX, my phone and wallet were stolen and I had {$6000.00} taken out of my checking account. Even though they say that some of them arent valid, they said that most of the transactions were valid. I have tried to get an explanation as to why they feel this way and they just say that its their decision. Ive emailed the bank VP along with other members of the executive team with no responses. This has been going on since XXXX. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : - [ x ] XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - [ x ] XXXX XXXX XXXX Opened XX/XX/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 2023-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts.

They are being listed as follows : - [ x ] XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - [ x ] XXXX XXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
the person reached out on XXXX XXXX on XX/XX/2023 to purchase one of my listings. The payment was to take place on XXXX XXXX - this would be to ensure the transaction would have refund insurance/security. - I had never used this service before, and when the payment price of {$770.00} was sent over, " XXXX XXXX  '' reached out and told me that because I had never used this service before, the account needed to be upgraded to a business account. The upgrade verification required the buyer to send {$300.00} additional dollars, which I would have to refund before I would have access to the initial {$770.00}, but would then be granted {$50.00} extra dollars as a compensation benefit for the upgrade. " XXXX XXXX '' then notified me that because my account was not yet verified, both mine and the buyer 's XXXX accounts have been locked- this meant that I had to send the refund via XXXX XXXX Zelle XXXX or XXXX, and then send " XXXX XXXX '' proof of refund for them to review and confirm. once the refund was confirmed, I was told my account would be unlocked. I sent payment through Zelle and sent " XXXX XXXX '' confirmation of the refund. Once this happened, the business replied with a pending review email and then followed up with another email claiming the buyer sent a duplicate {$300.00} payment, and that because of the account being locked, the charge could not be canceled. This meant I now had to send another {$300.00} refund to unlock my account. ( this portion felt very fishy, but given the emails were coming from a XXXX customer support email address, and the links within the emails connected to my XXXX account, along with the branding matching other XXXX emails I received in the past, I followed through with the transaction. ) Once, this transaction took place, and I did not receive a response from " XXXX XXXX '' I knew it was a scam. I reached out to the buyer and they were extremely hostile in their responses, then ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023, I received an email from BoA saying an SafeBalance account was opened under my name and email. This is the second time it has happened to me, it back in XXXX or XXXX of this year. The first time, I was able to call BoA fraud department and was able to resolve it. But this is the second it has happened to me with my name and email, it means that they did not update their " check '' or " verification '' process. 

For completion or done state, I would like this account closed and get their process updated. I have not banked with BoA nor I have any plans in the 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