vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX account number XXXX, which has been charge off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
XX/XX/2023 I was locked out of my Robinhood account. I made seven attempts to regain access to my Robinhood account. All attempts notwithstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian Credit Bureau has made it impossible for me to unfreeze my credit report so my application for a credit card from XXXX XXXX was denied. I started calling Experian on XX/XX/XXXX and have called multiple times. Their automated system doesnt understand my answers and its impossible to speak to a human being. I have also tried their website multiple times beginning on XX/XX/XXXX. I cant even get them to mail me information about unfreezing my report. I have never had this problem with other credit bureaus and I believe Experian is just trying to get me to create an account with them so they can get me to use their various services, which I dont want. Also, their system wont even let me create an 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 non-monetary relief
Consumer complaint received 2023-02-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/2022, I booked a flight from XXXX to XXXX XXXX on XXXX. I confirmed the flight had free cancellation within 24 hours. According to XXXX policy, I reached out to the airline directly within the 24 hour period to cancel my flight, however I was unable to get in touch with anyone from the airline on either their website or by phone. So I reached out to XXXX customer service line and they 1 ) confirmed the flight was cancellable within 24 hours for free 2 ) finally reached an agent from the airline, but the agent said they could not help. I tried to call the airline again using a different phone number XXXX gave me, but was unable to reach anyone.

After the 24 hour period elapsed, I reached out again to both the airline and XXXX, but they have not been able to assist. XXXX is telling me I have to speak to the airline directly, while the airline is saying they can not find my flight record. 

I have attached the relevant documentation with notes in the following pages. Do not hesitate to reach out at XXXX if you have any questions. Thank you very much for your help. 

Best, 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 2023-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has Minipulated the system I use to be able to call in and speak to a rep HOWEVER when I type in my social security number I loose the options as well Experian has failed in there procedures and responses to me going on 5 months now I filed a criminal complaint as well they fail to update me email to XXXXXXXX XXXX XXXX XXXX  EXperian has received demands for removal of all errors regestered mail there blunt disreguard of the law has caused a criminal complaint against XXXX and as well fraudulently keeping cases etc pending damaging my credit worthy 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 2023-02-27 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: VA

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. 1.XXXX XXXX {$1000.00} has violated my rights. 5 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. your company has been reporting this account inaccuratly has failed to remove it from my 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 explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I sent a payment to someone to purchase tickets for a same-day game through Navy Federal Credit Unions app under its XXXX section XXXX When I tried to send the money I received an allert on the apps screed stating the following language For your protection, we placed your payment on hold. Please call us at XXXX to remove the hold on this payment. Your payment will be cancelled on XX/XX/2023 at XXXX XXXX  PST if you do not call us to resolve this issue by then. 

I thought that was strange as I never saw a message like that before and decided to just purchase the tickets through XXXX. A day later I received an email saying the money had been taken from my account. When I called navy federal credit union to reverse the transaction since I never called to re-authorize the funds being sent, they told me it was nothing they can do. I explained that it was fraud because although I initially sent the money once they stopped the payment and said they would only send it once I called to confirm my identity, I never gave the authorization for them to try to push it through. Navy Federal is still saying there is nothing they can do so I am out of my money although I never called to give authorization. Furthermore, the money was for tickets which wont even be valid as the person was not only a scammer but the game has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FinCo Services Inc DBA Current
State: DC

Complaint narrative:
This is one of many employees at Current bank who are very and flip concerning issues that there customers address. Today on XX/XX/2023. I tried to talk with a supervisor concerning a very important and serious issue. Not to mention my overall experience and dissatisfaction of their overall customer service. This supervisor completely brushed off any concerns that I had and was very rude and downright insulting to me. This persons employment ID is XXXX and there name is XXXX. I will also include some of the screenshots of the conversation that I had with XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Marlette Funding, LLC
State: GA

Complaint narrative:
On several occasions I was told my Best Egg account would be updated to show Paid as agreed, closed. It has been well over 30 days that my score has suffered to the tune of minus XXXX points. 

I have recieved letters from Best Egg that this would be fixed. Now I am loosing money daily until this is fixed. They are in voilation of my rights 15 USC 1681 sec 602A and 11. 

I am requesting this loan be updated with the correct information that it was paid as agreed in FULL, and closed Best Egg acct # XXXX was paid off in XX/XX/XXXX, but entered into best egg system on XX/XX/XXXX. Best egg sent a letter stating it was paid off. However, on XX/XX/XXXX, XXXX reported this same account was still owed and now 90 days past due. My credit score suffered over 65 points due to this error. Best egg then sent 2 letters explaining their apologies and that this will be updated correctly. I has not been updated. This account needs to show PAID, closed, never late. I researched my consumer protection laws. Best egg and XXXX XXXX should know 15 USC 1681 sec 602 a and section 2. also refer to other pretection laws that goes with this claim. please help me write a statement to the creditor and XXXX. My goal is that this information is updated to show paid as agreed, closed..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
XXXX XXXX account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and XXXX XXXX needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have deposited an amount of {$10000.00} ( XXXX dollar bills ) at one of the Wells Fargo ATM machine. The ATM machine started counting the bills shown on the ATM screen. After counting {$7800.00} or so machine stopped and screen frozen. After some time ATM machine returned {$5600.00} and deposited {$3000.00} only into the account. The ATM machine eaten up {$1400.00}. When this happened I called Wells Fargo toll free number found on the ATM machine while I was in front of the ATM and complained about the issue. The person on the line filed the complaint and mentioned that an investigation will be initiated on the matter.

Wells Fargo credited {$1400.00} while they were investigating however they debited the same amount saying they couldn't find the money upon doing the calculation.

I have reopened the case and file another new complaint with same response from them.

I found many flaws in their investigation and pointed it to them however they kept the same statement and didnt try to go any deeper.

I also called the CEO office to escalate but wasn't able to reach anyone to escalate the issue further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX attempted to deposit XXXX $ into my USAA checking account from a XXXX XXXX ATM, when the machine malfunctioned and powered off. XXXX XXXX  team members were able to verify this occurred via video footage. In addition it can viewed that I had {$1000.00} to deposit, and entire deposit went into the XXXX XXXX ATM. 

The branch manager sent a letter as a transaction record in lieu of an electronic record of deposit.

USAA has not cooperated in the ATM deposit attempt, and has not attempted to resolve the situation. Currently have been waiting 3 months to receive my funds, USAA has given no feedback whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
Fed loan servicing company was supposed to issue me a check in the remaining amount they owe me for my student loan reversal. They still owe me XXXX $ and said they were issuing me a check in XX/XX/2022. I have still not received this payment. When I call the number for the customer service it is no longer a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

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

XXXX XXXX XXXX XXXX, USAA Federal Savings Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have all 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: DISCOVER BANK
State: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank have all 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 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 explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Thank you for your help. 

Arvest Mortgage Company at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX, did an ESCROW audit in XXXX and I paid what they told me was short {$4400.00} the end of XXXX, then I got a notice that they did a second Audit and I needed to pay {$4000.00} after I had already paid the {$4400.00}, they said if the extra {$400.00} was not needed I would get it back next year. 

I was told my new payment amount would be {$1400.00} and I paid XXXX payment the end of XXXX in that amount, and I thought everything was fine, then I paid XXXX payment on XX/XX/2023 it cleared my bank on XX/XX/2023, then this weekend XX/XX/2023 I got a notice that the payment of {$1400.00} is " Suspense '', and I owe the payment of {$1800.00} ( which was the amount before I made the Escrow payment. ) for XXXX and a late fee along with XXXX payment of {$1800.00}. 

I have had many phone calls with this bank and was told it was fixed two times now and then I get the notice of a late payment and the payment still not corrected.

With 2 different Escrow Audit done and both with different amounts I know what is right in reference to the ESCROW and I can't get my payment correct after paying the shortage.

This Bank has been a nightmare to deal with, for a long time when mistakes happen, they said it was because a system change.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation