vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
I submitted a letter to them last XX/XX/2022 and until now I didn't receive any response, it is over 45 days so now this is a violation of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I received an alert from XXXX XX/XX/2022 that Bank of America had accessed my credit information. 

I wasn't sure what to think of this, but then today, XX/XX/2022, I received a letter from Bank of America stating that I had applied for the Bank of America Premium Rewards Visa Signature card. 

The letter stated that the application was still under review because additional information was needed from the co-applicant on the application. 

I did not apply for a credit card from Bank of America, so I called the phone number provided on the letter to speak to one of their " knowledgeable credit analysts ''. The number listed was XXXX with an address of XXXX XXXX XXXX, XXXX, TX XXXX. 

I was told that the application was marked as fraudulent and that I should call the credit bureaus to report this fraudulent application with my information. 

The interaction with the representatives I spoke with seemed questionable, as they kept trying to confirm my information, get further information out of me, and were hesitant to let me speak with their superiors. They would not tell me the name of the co-applicant. In fact, they stated that they had no record of a co-applicant.

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 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
My medical debt was the result of a Work place injury, the collection agency even admitted they showed this as a XXXX case and had the information in their system. The creditor they were representing has been provided numerous times with the case information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I am not swayed that the bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

I need this account be deleted immediately Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-02-25 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: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; 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 non-monetary relief
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. TransUnion was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I tried to XXXX money to cover the deficiencies twice but they account for some reason would not let me receive money. I canceled the first XXXX on XXXX and then requested a second one but it would not allow me to recive money again..tried calling the bank to find out what is going on was on hold for XXXX hour and then got hung up on... .it is ridiculous

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 2022-02-25 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: GA

Complaint narrative:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MI

Complaint narrative:
On XXXX XXXX2022 I sent Equifax a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Equifax written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NJ

Complaint narrative:
There are multiple accounts on my report I do not recognize

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 2022-02-25 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: NJ

Complaint narrative:
There are multiple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
This is a follow-up to complaint # XXXX. Your response stated that Caliber Home loans will overnight me a check by XXXX in the amount of {$3500.00} on XXXX. I have not received a package from XXXX, and the tracking status shows pending. I called XXXX on XXXX, and asked why the package is still in a pending status. I was told that pending means that a label has been created, but no package has been received by Caliber Home Loans. I called Caliber and the representative that I talked to tracked the package and got the same status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
XX/XX/2022 I was paid on the Friday XXXX for my XXXX XXXX payment, which was scheduled for XX/XX/XXXX. 

Now in XXXX I do not get paid before the weekend even though the pay dates are the same. The XXXX of XXXX falls on the same day as the XXXX of XXXX. Yet, I do not have my XXXX payment. They said it will be deposited on XXXX, but online says Monday, so the representative I spoke to lied to me. 

Why can they arbitrarily pay me? There is no reason why this month should be a weekend later than last month. And the rep even mentioned Saturday??? how is the payday?? 

I have consistently filed complaints about this company charging me for overdraft fees. Now there is evidence of inconsistent payments regardless of their policy. This suggests to me that they are intentionally forcing me to charge over my amount to incur more overdraft fees. 

This is not an authority of a financial institution that I will continue to deal with. 

Their solutions have not made a dent in their policy of manipulating my finances against me. 

As of this complaint, I can not even view my statements from XXXX. They are preventing that somehow. I attached pictures reflecting the fact that nothing should be different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern : I am thrilled to finally have obtained a gas card during a pandemic. However, I was surprised when I noted the Chevron Premium Card XXXX TX XXXX XXXX for {$25.00} billed to my account. This was and is not authorized and must be canceled, reversed, and credited back to my account immediately. Failure to do so will result in account closure and a small claims suit being filed.

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 2022-02-25 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: IL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need this account be deleted immediatly in my credit report! 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; DISCOVER BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Hi and thank you -- -- iam living in Michigan and received XXXX  in past into a bank of america account and have a phone app to see amount etc -- - they recently transferred to another bank ( XXXX XXXX ) I don't have a tv and can't read all mail I receive every day and was under the impression that you could take your money out or they would transfer to ( XXXX XXXX  ) and I would receive a card I never did -- -- now for numerous weeks trying to contact michigan XXXX  which is very hard to do, well finally got through they say I need to contact bank of america and that they haven't taken my money, well when I look at phone app my money still there and I contacted bank of america they say I have to contact michigan XXXX  and so this has been going back and forth via phone calls and text etc when all the time iam almost on the streets iam a veteran but receiving no pension because I didn't retire from military but only working XXXX hours a week because work reduced hours covid situation so need my money yesterday -- -- - please help I tried to call you but not easy to get through to anyone so trying this method -- -- thank you so much XXXX XXXX XXXX XXXX this isn't just about a transfer but getting my money out of 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 monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I tried to tell zelle that my brother used my account to try to buy a XXXX without my approval and got scammed and i tried to contact then and they said they couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account paid off / forgiven and does not reflect on credit report. The accounts to be reflected are as follows ; XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: WI

Complaint narrative:
Paypal charged me XXXXUSD they kept for 180 Days After account suspension. 

After my account was frozen, PayPal has taken the entire money frozen in my account. No communication and no emails about the money stolen. When I enquired - I got an auto-generated email. 

I have read the PayPal 's Policy Policy before signing up for PayPal and strictly follow PayPal 's Policy when using it. 

However, PayPal said I violated their Acceptable Use Policy but never tell which action violated, I am sure I never did anything violated Acceptable Use Policy. And they stole all my money saying it was compensation for their loss. 

Please tell me which of my actions or transactions violated PayPal 's Acceptable Use Policy and caused losses, if not they should return my money! 

I called paypal and they always give me an email to contect, and I kept sending emails and messages to PayPal, they always reply the same thing. 

And their contracts are unconscionable, for example, if your transaction that violated the AUP was for like {$30.00}, and they charge you {$2500.00} for it ( or worse, empty your whole account ). For example ( I put this legal case in Attach documents ), There's a good case study in Delaware 's view of " unconscionable contracts ''. I think a solid argument using the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX can be made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank as well as XXXX  XXXX  both have lowered credit limits to the max value owed on the card and have been destroying my credit score over and over again. 

I had a XXXX $ limit with a XXXX $ balance owed and suddenly my limit dropped to XXXX $ And gave me a 95 % utilization rate on my account. They refused to give a reason stating I was sent a letter when I received nothing. They refused to send another letter with the reasons and the customer services was no help at all. They stated I need to take it up with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive sent XXXX letters had issues with this in the past and XXXX  XXXX paid to settle just over a year ago- I dealt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I purchased a '' brand new '' face mask due to the COVID -19 pandemic and and when it arrived it was obviously used .... I disputed the transaction and XXXX  XXXX  closed the dispute. I have tried to write letters, the next step is again to file a small claims suit, like I did in the past.

Company response to consumer: Closed with explanation