vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX XXXX in TRANSUNION, balance is {$0.00}, and account # 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 2022-04-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Report Act : Account Name XXXX Account Number 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.

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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
1- ) account name : LAW OFFICES XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX ) ACCOUNT TYPE : COLLECTION 4- ) DATE OPENED : XX/XX/2022 5- ) BALANCE ; {$300.00} DOLLARS 6- ) They put in XXXX Credit report in Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I did a refinance on a car in XXXX with another institution. I changed my mind and decided to stay with ally. The institution returned the title but ally never returned the money. I then traded the car in and it was paid off again but my account still says open and past due for a car thats been paid off twice. Ally admitted to receiving the checks and title. Im uploading a copy of my account number and pay off.

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 2022-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My mother ( XXXX ) is a custodian over a XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) with USAA bank and im the beneficiary. She refuses to transfer me any of the money or give me any access to this account, even though im XXXX years old, which is old enough to take control of the account. I receive social security benefits and all that money goes into this account. I changed my direct deposit info, so my monthly payment goes into my my checking account now any not in this XXXX anymore. But the backpay social security gave me is stuck in this XXXX because my mother .refuses to transfer it to me. Theres over $ XXXX in this account. 

The only way I actually see any of the $ XXXX is when my mother transfers money from the XXXX, DIRECTLY INTO HER OWN CHECKING ACCOUNT, then gives me the cash she withdrawals from an ATM. She transfers money to herself. She has even spent money she transfers. She does all this WITHOUT MY CONSENT. 

I first started receiving monthly payments back in XX/XX/XXXX and received a {$21000.00} backpay back in XX/XX/XXXX. She allowed me to spend money on a phone and laptop, and she constantly withdrawals money out so thats why theres $ XXXX left out of the {$21000.00}. The amount in this account keeps decreasing because of the withdrawals she makes multiple times a month. The pictures I added are the withdrawals she made to herself back in XX/XX/XXXX. Unfortunately, the XX/XX/XXXX bank statements are the only statements I have in paper, but it proves she is transferring money to herself and keeping my money from me. 

I have reported this to the social security and the bank and neither can help. Ive even reported her to the OIG Office for fraud and they havent anything. USAA told me there is a grey area with the rules of custodian UTMAs. They say she is obligated to hand over the account and the funds, but doesnt have to since she is the custodian and its technically her account. So if she wants to keep the account and money from me, she can do that. 

Basically, my mother is holding over $ XXXX of MY MONEY in an account thats mine and USAA wont help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
The bank Ally that holds the lease on my vehicle agreed to remove the late payments that happened while I was XXXX XXXX XXXX 
They did remove the late payments but shortly after they put the late payments back on, as soon as I was able I payed the payments in full and have been current ever since.

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 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My friend asked me to borrow {$210.00} and i accidently sent to his old account on venmo that was hacked. I tried contacting venmo within 2 minutes of the transaction to unsend it. They stated that it couldn't be unsent and that I would need my friend to reach out to them. I have attached the chat log from the multiple times i contacted them. My account name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2022 I paid my Sams Club XXXX XXXX balance in full. On XX/XX/2022 I received an email from Synchrony advising my payment was posted from my credit union. When I logged into my account my account said {$0.00} Balance, {$0.00} due and {$0.00} available. On Tuesday XX/XX/2022 I checked my balance and it said the same. I called Synchrony and asked about why I had {$0.00} credit available. I was advised it will be locked for 4 more days because of the amount paid toward my account. I then was transferred to a manager XXXX. He advised me I was lucky they didn't lock my card for 21 days to insure I didn't dispute the money and get it back. Why am I getting punished for paying my balance in full? I never abused my card. Always had my payments in on time. My balance got a little high due to the pandemic and I was finally able to secure a loan to pay off my debt.

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 2022-04-21 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX : account number XXXX XXXX XXXXXXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX  15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my 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 2022-04-21 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts : XXXX XXXX Account ending in # XXXX for {$140.00} ; account ending in # XXXX for {$3200.00} ; account ending in # XXXX for {$140.00} ; and account ending in # XXXX for {$250.00} XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXXXXXX 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, 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 2022-04-21 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. 
-XXXX  XXXX : XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights -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 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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have a Coinbase account, which I've used previously to purchase Cryptocurrency via Bank Transfer ( ACH ). Coinbase displays on the confirmation page how much of a purchase is available for immediate transfer and how much is subject to a holding period. On the confirmation page for this purchase, Coinbase indicated that {$1000.00} was available for immediate transfer ( and any amounts above {$1000.00} would be subject to a 9 day hold period ). After making the purchase, Coinbase changed the policy and restricted my funds for 9 days. They have not honored the terms of the service they displayed when I made the purchase- which makes this a bait-and-switch. I contacted Coinbase, explained the terms that were offered, as well as the prior transactions I had made on these terms. Coinbase refused to honor the terms they offered when I made the purchase. My funds are now locked in their account for 9 days and not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: NY

Complaint narrative:
# XXXX So on XX/XX/2022 at XXXX I had received my direct deposit in my account. After I receive it, there was an {$800.00} unauthorized transaction that was made on my account after the deposit was posted. In the morning, I immediately freeze my card and contact my bank about the transaction. They told me that they couldn't do anything just yet until the transaction was posted onto my account it was still pending at that time and I'll be able to dispute it. So I had to wait 1-3 business days for the transaction to be posted and then I'll be able to dispute the unauthorized transaction to my bank. On XX/XX/XXXX at XXXX the transaction was posted on my account and I was then able to file a claim to dispute this transaction to my bank. They said that it will take 1-3 additional days for them to review it and to respond back to me. I had ask them about cancelling the transaction and they told me to contact the Merchant about cancelling it. I immediately got in contact with the merchant of XXXX and talk to someone that was in charge and explain to them what had happened. They told me that there was no one that made a purchase of this magnitude in person or online and therefore couldn't help me. On XX/XX/XXXX at XXXX they review my claim and there results was that I basically was aware of the balance and the {$800.00} transaction made on my account. I immediately texted them that there was a mistake on there part because at that time of my direct deposit was posted, I was sleeping and wasn't aware of it until that morning when I saw my balance. They concluded that there was no error occurred and as a result of it, the bank was not able to refund or credited the lost money that was taken out of my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple 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 explanation
Consumer complaint received 2022-04-21 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: NJ

Complaint narrative:
rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
Im a natural person/ not a third party Discover bank failed to provide me a debt validation letter, an audit trail, a sign invoice, audit trail pursuant to gaap, and a contract/cardholder agreement. These documents I requested are to validate this debt is mine and that I lawfully am obligated to pay this debt. Pursuant to 15 usc 1692g, after 5 days within initial communication with me they were supposed to provide me the debt validation, now they must cease communication with attempts to collect this unlawful debt. An billing statement and a statement of allegation doesnt constitute as a debt validation, I the original creditor dont validate this debt because I gave an extension of my credit to discover bank and gave them the right to become a creditor to incur debt. They continuously furnish inaccurate information upon my report and willfully noncompliance with the truth in lending act/ fair credit reporting act/ fair debt collections practices act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: City First Mortgage Services, LLC.
State: TX

Complaint narrative:
I was speaking to a loan officer from City First Mortgage Services , LLC about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Paycheck was issued to unauthorized account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
navy federal credit union is destroying this veterans life and keeping him XXXX and XXXX. I'm a XXXX veteran XXXX with no money no income and no assets. Navy federal is falsely and illegally continuing to report a 10 year old credit card account which I DO NOT Acknowledge, DO NOT OWE, and have no knowledge of. THis ALLEGED account is OVER 10 YEARS OLD AND WILL BE REMOVED BY FEDERAL FCRA LAW. STOP DESTROYING A VETERANS LIFE THAT IS XXXX WITH NO MONEY OR ASSETS. I DO NOT OWE THIS ALLEGED DEBT NOR COULD I PAY IT IF I DID AS A XXXX XXXX NO INCOME VETERAN. NAVY FEDERAL IS ALSO GETTING AWAY WITH FALSE OLD AGED REPORTING BECAUSE MY CREDIT REPORT ONLY SHOWS A COUPLE YEARS OF ACCOUNT HISTORY, WHEN THE ACCOUNT IS OVER 10 YEARS OLD, AND ACCORDING TO FEDERAL LAW, NEEDS TO BE REMOVED IMMEDIATELY!! ARE YOU HAPPY NAVY FEDERAL? DO YOU ENJOY DESTROYING LIVES, LYING ON A CREDIT REPORT, AND VIOLATING FCRA? REMOVE YOUR ACCOUNT IMMEDIATELY!! NOTHING SERVES YOU KEEPING A XXXX VETERAN XXXX AND LYING ON A CREDIT REPORT. NAVY FEDERAL HAS BEEN REPORTED TO THE NATIONAL CREDIT UNION ADMINISTRATION, THE XXXX ATTORNEY GENERAL, THE XXXX ATTORNEY GENERAL, THE CFPB, AND THE XXXX. I WILL OBTAIN A FIRST AMENDMENT LEGAL PERMIT TO PICKET YOUR LOCATIONS WITH A SIGN THAT READS " NAVY FEDERAL XXXX XXXX XXXX. '' I WILL CONTINUE TO FILE COMPLAINTS UNTIL THIS ALLEGED, OLD, AGED, FALSE ITEM IS REMOVED FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation