vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was scammed by a XXXX buyer on XX/XX/2023 wanting to purchase a hand bag from me the Seller. I emailed XXXX at XXXX to get instruction on how to assist the buyer to purchase the hand bag because XXXX ( buyer ) payment was not going through. A XXXX Customer Care Team Person sent me her picture ID and text men the info I needed. I was told I needed to have {$200.00} in my XXXX account for the transaction to go through. I sent the {$200.00} from my Navy Federal account through XXXX ( all information will be sent in attachment ). The hand bag is a XXXX listed at {$750.00}. I received another email from the XXXX XXXX Customer Care Team ( she sent picture ID. Attached ) that I need to put another {$250.00} in my Poshmark account and I did via XXXX with a note on both transactions that the money was for XXXX XXXX Member ( to make sure it go to my account. 
I reach out to Navy Federal yesterday XX/XX/XXXX and XX/XX/XXXX that I was scammed after I didn't hear from XXXX after I sent the money twice I figured it was a scammed. I emailed XXXX XXXX several times and no responds. I spoke to a Navy Federal reprehensive again today around XXXX and explain to her what happen. She read the policies for scam refunds and she said my scam situation should qualify for a refund. Also, Navy FederalXXXX didn't give me the option to hold the second payment of {$250.00} until the next day. I also I talk with a supervisor regarding what the 1st Navy Federal Rep that I fall under XXXX  guidelines to receive my money back because I though I was dealing with company employees. The supervisor said she gave me the wrong information. 
I used correct emails, etc. I am real sure that XXXX have employee workers and I know for a fact a buyer scammers that work direct in their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: LA

Complaint narrative:
Creditor is reporting to equifax after it has already been deleted from XXXX and XXXX stating it was not my account. Filed mutiple reports with equifax and they are still not providing documentation showing it is my account and still reporting it on my credit report. This is illegal activity and needs to be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX Collection account Attatchment below shows not being reported to other two bureaus after dispute but still shows equifax please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 Any 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: ID Analytics, Inc.
State: IL

Complaint narrative:
Ive disputed a XXXX XXXX XXXX IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the XXXX and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX  they are reporting. They replied to me with the XXXX  being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
We are having an issue with the creditor from Credit Central loan & taxes coming to our front door of residence asking us for monthly payment. Its been about three weeks now that we are going through XXXX XXXX XXXX in turn using XXXXXXXX XXXX XXXX  for legal representation. This is the second time Credit Central here in XXXX, South Carolina has physically came to our home and harassed us for payment and they have been sent a notification from XXXX XXXX XXXX. We wish to file this complaint against Credit Central please. Please feel free to contact me at anytime and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 Any 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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ive been a customer from American Express since XXXX. I applied for a business credit card back in XX/XX/XXXX. I was able to use my card for the first two days after that all purchases started to decline. I called American Express multiple times my employee call American Express multiple times, in which we were told the account was fixed, however purchases were still declining. I was a little aggravated so I decided to ask for a supervisor the supervisor explain to me that there was a concern with my identity, which I totally understood. He gave me a website in which I had to do, an online notarization for my identity a couple of hours later I received an email stating to print out this attached paper and to go into a financial institution to get the paper notarized in person. I did it send it and was advise that it was gon na take about 3 to 5 business days to verify the legitimacy of the paper, its been almost 2 weeks now when I call instead of telling me 3 to 5 business days theyre telling me they dont have a timeframe to verify my paperwork. I requested to speak with a supervisor multiple times and their answer is theres not a supervisor available at the moment. That supervisor is going to call me back, nobody called me back nobody fix the problem with my account. Ive had a lot of patience and Ive provided all documents that American Express has requested from me. I open this account because I want my business expenses away from my personal expenses. I expect that if I am approved for a credit card, Im going to be able to use it, the customer service, the way agents treat me have been horrible. I want to remark XXXX with user ID. She was horrible disrespectful and very unpolite with the amount of money that American Express charges for fees, annual charges, and every type of charge I expect to be treated with respect and courtesy every time that I call. I ask the CFPB to act in my behalf and ask American Express to please lift the restriction of my account as is in violation of my rights. Thank you. attached, please find documents submitted to American Express verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2023, at about XXXX, I attempted to place an online order with XXXX. My payment method was a buy now pay later application, Afterpay/ My intention was to pay for purchase, ( approx XXXX ) with a pay in 4 installment plan, Afterpay to deduct my first payment immediately. When I checked my account I found that I had been billed for gift cards in the amount of {$780.00}. 

When I tried to phone the company, Afterpay, they have no phone service for anything, they can not be contacted by phone. My only option was to go to the bank, XXXX XXXX XXXX XXXX. XXXX. the next day, XXXX XXXX, and cancel my debit and credit card to stop any more deductions. Afterpay took $ XXXXas first payment. 

The were 6 gift cards in total, all to XXXX. When I phoned XXXX I was told one card had been used for {$190.00}. I have no knowledge of the other five that Afterpay is billing me for. If I did something in error on the computer, I still did not get these cads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have attached my complaint as a signed PDF. The Bank of America is systematically taking my money and holding the money to be applied in the future and meanwhile charging me interest on amounts already paid. The Bank of America currently has charged me extra interest in excess of {$740.00}. 

I have two other outstanding complaints thru CFPB. One I have heard only that the Bank of America needs more time, and I have no response on the other complaint. The Bank of America has failed to respond to two letters. I have opened numerous cases without satisfactory resolution of them. I have sent electronic messages and have not received proper response. The Bank of America resolution specialist has failed to address any of my requests and has falsely accused me of not discussing my concerns.

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 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: VA

Complaint narrative:
It started from I made a reservation at a Hotel on XX/XX/2023, and the check-out date was XX/XX/2023, but for no reason did the hotel owner get rude to me and harassed me by towing my truck on the night of XX/XX/XXXX while I still have the reservation for that day. A week later, Westlake Financial emailed me that they were trying to impound the truck. I did not know the purpose of doing that or how Westlake Financial knew about the incident, so I remained quiet. I filed a civil complaint with The General Attorney 's office of Virginia because I thought only the harassment from the hotel XXXX in XXXX, XXXX Last week I received a letter from Westlake Financial stating The truck is under repossession and will sale in XXXX and added {$1600.00} to the balance on m account. My truck is full of inventories that cost over {$25000.00}. Westlake never disclosed. I called Westlake Financial and got the answer I owed them {$300.00} was the reason for repossessing. The repossession is illegal ; I never owe them anything. I made payments on time on XX/XX/2023 the payment was made, but the truck got towed on XX/XX/2023, and on XX/XX/2023, I still made a payment. The account online shows the next due date is XX/XX/2023. What reason to repossess my truck? The way Westlake Financial did to my account, it seem like the transaction they knew since the beginning of the incident, none of investigation or questions to me, but put it directed to the plan they had set up. I think three companies, XXXX  XXXX Hotel in XXXX, VA, XXXX XXXX XXXX, and Westlake Finacial, had a conspiracy to commit this crime by trying to exercise the legal authority they thought they had in hand. It was a robbery with a plan.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There appears to be some sort of software glitch when attempting to register for online access. Before completing the process the system assigns a random user name. Then, the system will not allow access to the account using that user name. Today I attempted using the chat service online to resolve the issue. The person identified as " XXXX '' kept disappearing. He didn't even ask what I wanted. He just told me to fill out a form. Which I did. Then, he disappeared for about 5 minutes. I was asked to verify my phone number. Then he said he could not use that number to verify my information. He said I'd need to call. So I called and spoke to one person and they said I'd need to speak with someone else. When that person came on I could barely hear them, as they appeared to have their mouth too close to the microphone. This person said that they were unable to verify my phone information. He then said he needed to end the call and call me back. Then they never called back. I called to speak with another person. That person claimed that the person I spoke to before him should have told me that they needed to send me a letter in order to enable me to have online access. Which didn't make any sense. I hung up and called back and asked to speak with a supervisor. This supervisor, who said his name was " XXXX '' was extremely rude. Claiming that I interrupted him after asking him a question and didn't let him explain. It's true I may have interrupted because i may have thought of something else to say. But, it was the condescending way he put it. Talking to me as if it was some sort of joke to him. His attitude was very unprofessional. He treated the entire phone call as if it were a prank. At one point, in response to his flippant attitude I asked him " is there how you talk to your customers ''? His response was to sarcastically say " are you my customer ''? Which was his way of confirming it is the way he talks to his customers. He refused to give me any information regarding his supervisor. Saying he didn't know. The only information I was able to get was his name ( XXXX ). He claimed he worked in Florida. The entire phone representative staff treats it all like they are pulling pranks on the people that call. Worst customer service experiences I've ever had.

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 2023-08-07 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: IL

Complaint narrative:
Please remove the following inquiries from the credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.

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 2023-08-07 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: IL

Complaint narrative:
Please remove the following inquiries from the credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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. 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. Any 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX Was offered concert tickets via a local XXXX page. Was asked to send payment via Venmo. Was given tickets for {$400.00} but only sent {$200.00}. I said to send me 2 tickets and then I will send you the remaining money. They committed in writing to transfer the tickets via XXXX. They then said they can not transfer just one ticket and I need to pay for all four. I knew that was false because thats not how it XXXX works. I am mediately requested that they Venmo my {$200.00} back. They asked to confirm my account, and then they disappeared and never sent the money. 
Venmo said they would investigate it but from everything Ive read they dont protect people. I would not want this to happen to anybody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
Unable to contact at all

Company response to consumer: Closed with explanation