vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Unauthorized Inquiry Transactions, As requested I contacted lenders directly to request deletion letters. When speaking with them, I provided my full legal name ( including suffix ), date of birth, my current home address and contact number - None of the lenders could verify a request for a credit transaction in their system. I offered my Social Security #, they declined and stated once the social security number is entered into the automated system either by phone or online it is encrypted and they don't have access to it. I spoke with XXXX from Equifax support team on XX/XX/XXXX at approximately XXXX XXXX, she advised that I file a FTC Report and submit my Inquiry dispute via certified postal mail along with the FTC Report. THE FTC NO LONGER HANDLES THESE KINDA OF REPORTS CONCERNING CREDIT ISSUES- THEY SEND YOU DIRECTLY TO CFPB. 

( Inquiry ) - XXXX XXXX, XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XXXX ; ( Inquiry ) XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX ; ( Inquiry ) - XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ( Inquiry ) - XXXX  XXXX  XXXX  ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Pursuant to 15 USC 1692d, American Express XXXX XXXX used abusive language in its electronic mail messages to oppress me such as final, debt, collections, sue, balance and pay. American Express harassed me with these messages by sending them frequently and also calling me regarding an alleged debt. American Express XXXX XXXX violated by right to privacy by repetitiously and harassingly communicating with me regarding an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal refuses to unblock my PayPal account and they won't let me withdrawal my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim ID : XXXX I'm XXXX XXXX XXXX. I am also a full-time XXXX  worker. Bank of America has been receiving my direct deposit from the XXXX  ( XXXX XXXX ) twice a month. 

This is the only local Bank of America branch, with the inside recently closed ( sign on door says " temporarily closed '' ). The XXXX  drive thru ATM and XXXX exterior ATM 's are still open. 

My direct deposit hit the bank overnight on XX/XX/22. I went to the ATM and withdrew cash, to be able to pay my rent ( which was already late, and needed to be paid in cash ). 

On the morning of XX/XX/22 I drove back to the ATM, to put some of the cash back, {$1100.00}, so that I could pay my utilities online via my debit card. I need to pay my XXXX XXXX bill asap, as it is part of a " pandemic payment arrangement, '' which offers forgiveness of the past due amount. Otherwise, I will owe almost {$2000.00} in the accrued past due amount, and I'll be scheduled for shut-off. 

Then, the Bank of America ATM ate my {$1100.00} ( all in {$100.00} bills ). 

The screen displayed a message saying " there was an error ... '' and then the most bizarre question, " approx. how much did you deposit? '' I manually entered the amount I deposited, " {$1100.00}. '' Next, the ATM dispensed a receipt, showing I was credited {$300.00}??? The receipt states " We apologize for the inconvenience. We created an issue record that will be attached to your transaction. '' XXXX??? 

What is going on? Where is my money? I work too hard for this. I have been working long hard hours at the XXXX, without complaint. But, I am getting the feeling that the people at Bank of America really couldn't care less, almost as if I'm annoying them. During my last phone call to B of A checking on the status of this claim, the customer service rep " giggled '' when I said I can't afford to wait days or weeks to get this resolved. 

I was told " you should see a credit in two days ... '' today, XXXX days later, nothing. 

I CAN'T AFFORD THIS! I want my money, {$800.00} that I worked for. And I will never deposit cash in one of their ATM 's ever again in life. I can't afford to sit around quietly, when I live paycheck to paycheck. 

What a disaster.

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 2022-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
We had severe damage to our house in back to back hurricanes Laura and Delta in XXXX and XXXX of XXXX, it took a long time to get the insurance company to agree to pay for all of the damage to our home. During this time the insurance money was being held in property claims account with our mortgage company XXXX XXXX XXXX. In XXXX of XXXX XXXX sold our mortgage to Mr. Cooper and transferred the property claims funds in the total amount of {$160000.00}. When we needed to make our first draw this XXXX after finding contractors, Mr. Cooper told us they only have {$85000.00} in our property claims account. XXXX XXXX XXXX sent the correct amount over on XX/XX/XXXX. Mr. Cooper is not returning our calls and has not been able to locate our money in the last 3 weeks since weve filed our complaint of missing money. We need this money to fix our house. Weve not been able to live there for a year and a half at this point and this continues to hold up our progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have attached all exhibits & affidavit of truth Experian is in full violation & will be receiving further detail & instructions in the mail

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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.

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 2022-02-20 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: MI

Complaint narrative:
I XXXX XXXX the natural person and consumer am submitting this complaint on behalf of myself with no outside influences. I have been a victim of identity theft.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX Equifax furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC are trying multiple times illegally attempting to collect a debt and money that I do not owe. i never had a agreement with lvnv funding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions

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 2022-02-20 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: TN

Complaint narrative:
I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

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 2022-02-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Best Buy added {$190.00} for XXXX XXXX charges that were to be removed. Contacted Best Buy, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call Citi Card customer service back to help with any credit issues. I was also told by Citi cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to Best Buy on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX did not have a supervisor available, so a Best Buy supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from Best Buy stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My Best Buy Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem two years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( XXXX ) to clear the wrong that has been done to me.

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 2022-02-20 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: MI

Complaint narrative:
I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me XXXX XXXX, embarrassment and has been a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2022. I Consumer XXXX XXXX sent a letter certified mail to Southeast Toyota Finance in regards to an alleged car loan with them, I informed them that the contract was misleading. Southeast Toyota could not validate this alleged debt/ car loan. They simply stated that the alleged contract validated the debt. The contract is misleading because it was a copy, I need to see the original. The contract could have been forged. I also need to see proof that Southeast Toyota had these funds in their account before it was given to me. According to 12 USC83 banks can not loan money ( own stock ). 12 USC 1431 the role of the bank is not to extent credit or loans. Only the original creditor can which is the natural person. Southeast Toyota Failed to respond to my my letter other than saying this alleged car loan was verified by a " copy contract '' not an original. Also I paid a downpayment of {$4000.00}. According the 15 USC 1662 the finance charge is the sum of all charges that does not include cash. Southeast Toyota does not normally charge a downpayment of {$4000.00} because I have had an alleged contract with them before and did not have to put anything down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

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 2022-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
On XX/XX/2022 my bank USAA for some reason sent {$1000.00} to XXXX XXXX without my knowledge or consent. I have both checking and saving with USAA and I have names for them. I accidentally put {$1000.00} in an account I thought was my saving account and when I went to check my balance I realize my Mistake and corrected it and I notify my bank to let them what happened. On XX/XX/XXXX I went to transfer money to my checking account I had a negative balance of {$300.00} and when I called my bank no one knew what had happened and they informed me that they would investigate, but no dispute was done for at least a week, then on XX/XX/XXXX I received a notice that the investigate was over and no action would be taken .No one from my bank ever contacted me about this and no one could tell me why my money was sent to another Bank that has been closed for nearly 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MI

Complaint narrative:
I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me mental anguish, embarrassment and has been a defamation of character.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc
State: FL

Complaint narrative:
On XX/XX/XXXX while I was trying to obtain insurance I was told my insurance is very high priced because a company called Verisk is reporting I had an accident that cost the insurance company XXXX XXXX dollars. This was not me I did not have a policy or a car on the date XX/XX/XXXX. Apparently it is someone with the same name in the same city as me. My name is XXXX XXXX XXXX XXXX XX/XX/XXXX and my last 4 of my social is XXXX. Verisk told me to contact XXXX and XXXX says that the info was not reported in my name yet it is coming up under me. I will attach everything this company is linking with my name as well as claim numbers. I can be reached via email @ XXXX or by phone XXXX a message can be left for me.

Company response to consumer: Closed with explanation