vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a savings account with Upgrade.com that uses the XXXX XXXX XXXX XXXX 

Within Upgrade you can instantly connect to XXXXXXXX XXXX and from XXXX I deposited {$260000.00} into Upgrade. 

On XXXX I tried to transfer out {$100000.00} to XXXX and it said there was a limit. When I called Upgrade they said the withdraw limit was {$5000.00}. No where did I see such a limit before depositing or it wasn't prominently displayed.

The Upgrade representative told me I can pull from XXXX up to {$100000.00} per day if I connect from that side. 

So I decided to connect from XXXX side on the XXXX and XXXX deposited XXXX micro deposits into Upgrade. The funds would show up into Upgrade and I would verify it and the connection was established. BUT when XXXX tried to pull back the microdeposits XXXX XXXX said that Upgrade refused to send back the money which totaled only {$0.00}. 

So I tried XXXX more times on XXXX and XX/XX/XXXX and both times the money would go into Upgrade and verified but Upgrade refused to let XXXX take the money back. 

It seems like Upgrade has a deceptive practice of taking peoples money and refusing to return it easily. I needed the money for an investment yielding 12.5 % which is {$90.00} a day based on my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
LOANDEPOT XX/XX/2022 I spoke with several agents to see if I could get a copy of my XXXX information on my home loan because I am considering transferring it over to a trust. Many agents did not know what that was but I did speak with someone who told me that it was on its way via mail, I never got it. 

XX/XX/2022 I reached out and asked them who was the servicer on the loan,, no one could answer this as well. 
Considering that no one has official made this a contract as I view my disclosure by me and my husband. Also after viewing what has been recorded only me and my are the only one who has signed the most of the doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: FL

Complaint narrative:
The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.

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 2022-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.

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 2022-11-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a collection letter from US Bank XX/XX/XXXX after I fell behind on my State Farm Visa. I wrote to them XX/XX/XXXX stated I believed the amount was incorrect because I had recently made a {$110.00}. payment and stated all communication must be in writing. They received this letter XX/XX/XXXX. I made an additional {$100.00}. payment in XXXX to be a payment ahead since my card was due the XXXX of the month and my income was deposited the XXXX wednesday of the month. I have made a monthly payment of {$100.00}. each month. I heard nothing from XXXX XXXX until XX/XX/XXXX offering a settlement. I wrote a counter offer promising the payment of {$100.00}. I will be making until XXXX of XXXX. Also again stated all communication must be in writing. The only response I got was a letter stated unless I agreed to phone communication I could not be informed of offers. 
As I neared the final payment I checked on the status of this account from experian and found the account is listed as closed charged off and all payments are late. I contacted experian and upon review they sided with US bank. 
Wrote US Bank on XX/XX/XXXX which they received XX/XX/XXXX and their response is I had no payment plan in place because they only communicate by phone. 
So why am I not allowed written communication the only way to hold someone to a deal is to have it in writing. They never stated they weren't accepting my counter offer. Just because they want the right to phone me every day is unfair I have made my payments as I stated and had hoped to be at the end of this ordeal, must I continue to pay them or can they be held to my offer of 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 2022-11-20 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:
The vehicle was repossessed five years ago. On my credit report showing at the balances are increasing, and that I have five years of late payments from the car was already repossessed and sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Inquires on my account from companies I do not have an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Uplift, Inc
State: PA

Complaint narrative:
Inquires on my account from companies I do not have an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Ive made payments to my loans during the COVID CARES Act of the pause between XXXX of XXXX to XXXX of XXXX have reached Aidvantage ( my federal student loan provider ) approximately 5 times since XX/XX/XXXX regarding a refund I am owed. They did not process my request until XX/XX/XXXX, when I prompted another call back. The information has been so confusing - theres been a XXXX week timeline, XXXX, and now XXXX. Whenever I ask customer service there is no new information just that its coming. I am owed this money as a refund back to me and am tired of being dragged around and getting no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I requested a refund from Nelnet for payments I voluntarily made towards my student loans during the COVID19 forbearance period. The total refund requested was for a one-time payment of {$5000.00} made on XX/XX/XXXX. I am entitled to this refund as per the CARES Act. I am worried that my refund request has somehow been lost, as I now know multiple people serviced through Nelnet who requested refunds far after my initial refund request who have already received their refunds. When I call Nelnet, they repeatedly tell me that my refund request is " processing '' and are unable to offer me any additional information. It has now been nearly 8 weeks since my request, when Nelnet representatives have quoted me an approximate 4-6 week turnaround time. I understand they are currently inundated with refund requests, but something does not seem right here. I am submitting this complaint in order to at the very least receive more information from Nelnet about the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 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: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX ( Closed Charge-off ) XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge-off ) : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I do not have a Bank Card or Credit card for Care Credit. So I do not have the account no. in order to pay the bill with a balance due tomorrow. of {$9.00}. 
If I am late, there isa a {$35.00}

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt & Gaines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law firm listed above sent me a letter saying I owed them {$2500.00}, dated XX/XX/XXXX. I sent a response ( certified mail ) dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They did not respond with a validation but rather a verification in a letter dated XX/XX/XXXX. 

This went back over the course of months. They finally sent me a third letter dated XX/XX/XXXX which, again, was not a validation of the debt but only a verification of the debt. 

I responded in a third notice dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They have done nothing to prove validation of this debt. They are now suing me in the circuit court of XXXX XXXX in Illinois, case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NJ

Complaint narrative:
They failed to respond to my issue dated XX/XX/ see attached

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc
State: OR

Complaint narrative:
Issued withdrawal on BlockFi account on XX/XX/22 at XXXXXXXX XXXX XXXX, prior to BlockFi announcing withdrawals was no longer offering withdrawals until further notice on XX/XX/22 at XXXXXXXX XXXX XXXX. I called on XX/XX/22 to phone support and could not get through. Phone support has ceased. I created XXXX tickets ( XX/XX/22 ; XX/XX/22 ; XX/XX/22 ) and have not heard back from BlockFi. Withdrawal status is " Pending '' as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi. My credit card account was closed by American Express due to inactivity ( no fraud or any kind of illegal situation ) while I didn't receive any kind of notification or warning which was mentioned in https : //www.americanexpress.com/us/customer-service/faq.account-management.card-inactivity-action.html. I tried to contact Amex but was told that a letter mail was sent to me which firstly I didn't receive, apparently. The common way of Amex communication is through email or text message ( I opted in electronic statement ). While for such a big change, they chose to use paper letter to communicate which still I didn't receive. I feel that they did it intentionally. 
I tried to intake my account with three attempts. At first, I tried to call them like early this year since one day when I randomly logged in app I figured out my account was cancelled. I was told that if I file a claim, I can get my account back without telling me there's a time limit about it. Second time, when I called, I was told that it's been too long since the account was canceled. I was just being kind to rest the case until recently I figured out many people like me had the similar situation where the account was closed without any notice. Today I called again to restate my case but still got the same answer for the cancellation being too long time ago.

Company response to consumer: Closed with explanation