vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: MI

Complaint narrative:
Hi I just recently applied for an XXXX XXXX XXXX XXXX card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX credit card services and XXXX XXXX XXXX XXXX XXXX. Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-05-21 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: MI

Complaint narrative:
Hi I just recently applied for an XXXX XXXX XXXX XXXX  card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX credit card services and XXXX XXXX XXXX XXXX XXXX. Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I was burglarized in XXXX XXXX while on vacation. Stolen items included my US bank debit card and my US cell phone. When I called US Bank they locked the stolen card and told me that they were sending a replacement to a XXXX address that would have provided the card to me in XXXX XXXX via a mail forwarding service. That was never fast tracked or sent. 

The theft of my US cell phone is important because that number allows account authentication for various things and US Bank was informed that it was stolen and I would not be able to replace it until I returned to the US. I was told this was not a problem as I was able to provide all other verification information. 

I called again days later and set up a new request for a card which US Bank again told me it was on the way. That also was never fast tracked or sent. 

I called a third employee identified as a manager who took a new address to send a replacement card priority and that employee never sent the card to the address provided. 

Finally I called again on XX/XX/XXXX and was told by the manager that most of the things that the previous employees had promised to do were things they were not able to do due to security concerns. 

As a result I have spent 10 days trapped in XXXX XXXX with no access to my money while waiting for US Bank to provide the cards they promised. 

Todays conversation with what is now my fifth US Bank customer service rep was condescending and in my opinion untruthful. It is clear that US Bank has failed to clearly, accurately and fully disclose all information around the services and products they provide to me. 

Had the bank from the start told me that there were any issues issuing me a new card while I was abroad I wouldve pursued other options. 

Waiting 10 days for the promised replacement cards has had a substantial negative impact on me, my finances in my ability to do my job. 

The problem is exacerbated by the fact that I am having to call on a prepaid cell phone I was forced to purchase down here and continually load the XXXX. Constantly getting put on hold or transferred to somebody else who I then have to refresh the story with is unacceptable under the circumstances.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
Last month XX/XX/2022 I was contacted by my mother who was on the phone, she mentioned that she was at US Bank, my mother purchased a car at the beginning of the year Im not entirely sure what this woman was doing but my mother has a history of financial abuse and my mother has also stole my identity and been abusing my Social Security number for far too long so Im kind of wondering how XXXX XXXXXXXX excuse my French but how XXXX XXXXXXXX this woman was able to get my credit loan eligibility ran without me present at branch And without any written consent or even a courtesy call by the XXXX bank teller to double check that my mother was not someone who has actively been trying to get a hold of my personal information and abusing my Social Security number for most of my life. Because those individuals at the banks even if they know my mom they dont know me and the situation because of this take a group do a lot of damage is giving civilians access to other civilians blood relative or not information this is really upsetting to me and I dont feel safe Id like to know that my bank is actually protecting me instead of exposing and exploiting me, Im XXXX XXXX XXXX very busy and I dont have the time to protect myself from my own mother but Id like to know that my bank would not allow my mother to gain any form of my information ever again without my permission written consent form or near proving that I am XXXX I am by showing my identification I doubt they even asked her for her Im appalled and really dont feel comfortable about the

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 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Greetings in Peace! 

Dear Sir/ Ma'am, Good day! 

This is in relevance with my paypal account which is now facing an unfairly act of imposing permanent limitation without proper disclosure of what had been violated in the said term of agreement by papal.I 've been using paypal with my account : XXXX fora year, not a fresh acct, contained many transactions with my online business and has XXXX $ that stucked in it that i must have to withdrawn asap for emergency purpose for my self medication due to health problems. And i am hoping that i will get back my account normally without any permanent limitation with a fair judgement upon review and to be able to do transaction again in the near future. Attached is my ID and screenshot copy of my paypal account.Thank you very much and God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance of the Fair Credit Reporting act XXXX  Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish 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 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Managed Recovery Systems, Inc.
State: FL

Complaint narrative:
I made a reservation for a car rental using a 3rd party named XXXX but it was charged through XXXX. Once the reservation for XX/XX/2021 through XX/XX/2021 was paid for I received a confirmation email was received and my discover card was charged. The day I show up at the airport to pick up car, they had an issue and made us wait almost an hour to figure it out. They were able to figure out the issue and as curtesy for making us wait so long, they upgraded us. We returned the vehicle and there were no more problems. Months later we get a letter from XXXX saying we didn't pay. We showed them our reciepts and proof of payment but that was not enough and they placed me in collections, Even though we already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We have been trying to do a loan modification with Loan Depot since last XXXX. To date we have got a resolution. We have been told so many discrepancies from even supervisors. We have submitted our documentation to them over 20 times if not more. We get contradicting information from Loan Depot in the mail-ex ; your loan has been caught up '' one day later " your loan is in default '' we can help you ''. Throughout the last 6-7 months of going back and forth sending documentation they have needed, letters, etc. my husband called XXXX ; the status and whomever he spoke to said " our request has been denied - " because we aren't 3 months behind on our mortgage '' NO ONE COULD TELL US THAT IN THE LAST 6 1/2 MONTHS!!! Their paperwork that we have filled out states to qualify for a loan modification the hardship had to be resolved. so how can we do that if they tell us our payments need to be 3 or more months late- if that was the case we would have not paid. Also they paid out homeowners insurance almost 2 months early now our escrow account is negative, in return our house payment has increased significantly. 
All we wanted to do and what was suggested to us back in XXXX by a LOAN DEPOT representative was to apply for a loan modification. We are about XXXX XXXX months behind- we just wanted to modify the loan to add the amount late and get caught up- They have every single letter, application, documentation, etc. We are beyond frustrated!!! I DO NOT RECOMMEND LOAN DEPOT TO ANYONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: MD

Complaint narrative:
In accordance of the Fair Credit Reporting act XXXX  Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX  XXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish 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 non-monetary relief
Consumer complaint received 2022-05-21 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: MD

Complaint narrative:
In accordance of the Fair Credit Reporting act XXXX Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance to the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-05-21 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: FIRST HERITAGE CREDIT LLC
State: SC

Complaint narrative:
Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance to the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had my Venmo account for over a year now and have had no complaints this far. I felt as if I could trust a deposit of my tax refund to my Venmo account as well. As everyone knows taxes this year has been a waiting game and just on XX/XX/XXXX I received my taxes. I owe back rent from while I was struggling at the end of last year and my landlord was patient enough to wait until I received my taxes for payment. I couldnt figure out how to take a large sum of money out without paying atm fees and my landlord is not tech savvy so he would not be downloading Venmo himself. I opened up a bank account in my name locally and after I was notified it was active I decided to make a transfer of funds into my bank account. On XX/XX/XXXX I initiated a transfer of {$2900.00}. I did a standard transfer because I assume it was safest. I still had a balance of just under {$3000.00} in my Venmo account. I waited a few days and on XX/XX/XXXX I realized something was wrong when I couldnt make a purchase with my Venmo card, I looked into it. The app stated my account was frozen. I checked my email and seen in order to reactivate my account I needed to upload a picture of my DL or ID card. I did so promptly. I even called and spoke with an agent and they assured me they received my ID and it would take a few days for a different team to go over my account and unfreeze it. On XX/XX/XXXX I received a different email stating an account specialist went over my case and stated After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I have been in a loop similar to this with XXXX XXXX card and waited so long to get {$200.00} from them after complaining to the FDIC and XXXX XXXX XXXX. I just received my tax return and for this to happen so quickly after waiting for money on that alone is very frustrating. If I could please get anyone to help me re-activate my Venmo account I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-21 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: SC

Complaint narrative:
Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
CFBP write up In accordance with the fair Credit Reporting act 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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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