vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 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: CA

Complaint narrative:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) AddressXXXX XXXX XXXXANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX  XXXX ) ADDRESS- XXXX XXXX XXXXXXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TN

Complaint narrative:
On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX  data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.

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 2022-03-12 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: TN

Complaint narrative:
On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.

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 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/22 I transferred {$290.00} to my PayPal account. It was my own personal funds so I could pay for my father 's groceries online. PayPal locked my account gave me no reason for doing so and then advised me that I wouldn't have rights to the account and that they won't give me my money back until 6 months from now. I feel that if they don't want to do business with someone they should return the money promptly and I believe that this is aligned with US law. I don't believe that they have a right to essentially get a {$290.00} interest free loan from me for 6 months without giving me account options or availability to my funds. I believe that they make up their own rules and no one in the government has had an opportunity to check on their operations to ensure that they're conducting themselves the way they should. They also use customer service from the XXXX that doesn't understand the laws of the US for financial institutions and they are rude. They don't maintain a solid customer service presence on their website and it's cumbersome dealing with them. They should have to hire appropriate customer service to cover the demands of dealing with people 's money in addition to researching the laws for financial institutions instead of thinking that their made up policies are sufficient enough to constitute law with no chance to dispute them. They believe that customers don't have a right to dispute anything with them and that's not the way we do things in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attachment documents and ID.

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 2022-03-12 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: Netspend Corporation
State: NJ

Complaint narrative:
I was charged excessively for the same reason after XXXX lock when I received my new card there was only {$8.00} someone is using my personal information and XXXX. On the dark web my social security number. Someone is collecting information XXXX XXXX  sending me new with no reimbursement netspend is Ive made a purchase to XXXX that when it all begin XXXX has my account and secure something XX/XX/2022 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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was approved for my Chase Credit card on XX/XX/XXXX and according to Chase 's terms and conditions the billing cycle of which the date the month ends matches the number of days in the month to ensure the due date is the same every month. So it's either XXXX or XXXX ( unless it's XXXX then it's XXXX or XXXX ). My first statement was closed on XX/XX/XXXX, of which only gave my first billing month 26 days, instead of 28 days ( or XX/XX/XXXX ). Other cards that I have opened with Chase have closed according to the normal Chase terms of the number of days in the month. I spoke to Chase on XXXX occasions first being XX/XX/XXXX and after speaking to them and then put on hold to speak to a supervisor they claimed they had issues and it disconnected my call. I called back immediately but after talking with a customer service representative they said I would have to wait in the que again for another 15+ minutes to talk to a supervisor. I asked to leave a message to have them call me back the following day but they said that wasn't possible, I hung up because I wasn't able to hold for a supervisor. I called back on XX/XX/XXXX again spoke to a representative and then was put on hold to speak to a supervisor, and after 10 minutes or so I spoke to a supervisor. They understood my complaint and said it would have to be resolved with the " back office. '' The supervisor said they would contact me but still haven't, when I asked about a phone number to contact the " back-office '' they said they don't have one and they can't be contacted. This last supervisor said they did notice my length of my first statement was only 26 days but wasn't sure why as it should have been 28 days since it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2022-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNCs appraiser used comps not comparable and gave my house three bedrooms, but my house is being taxed by DC as a four bedrooms. PNC referred me to a person who called once at XXXXXXXX XXXX on a Monday morning and has not picked up a single call since and will not return my messages. My concern is that by undervaluing my home, Im paying more PMI, and that might not even be necessary at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates
State: NY

Complaint narrative:
I received two scam likely calls from XXXX. I received a third call today from a XXXX asking to speak with me. I responded with this is he and she asked to verify personal and sensitive information. I asked what this was in reference to and could I have the name of the creditor and she began to berate me, yell, and then hung up. I called back and the phone line says they are closed. 

I cant figure out what debt, if any, that I owe. I need help desperately. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I monitor my credit carefully and discovered a fraudulent collection on my credit report. When I tried to use the Transunion website, it wouldn't take my credentials, so I couldn't log onto my existing account. When I called the customer service number provided, the rep told me I needed to re-register a new account. So I created a new user name and passowrd, but was locked out of the website after trying to log in again. 

When I called Transunion a second time, they asked me to use a different device and web browser. I told them I didn't have a different device, but I would use XXXX  browser. They unlocked my account, then we spent 30 minutes while I tried to use my new username, and had to change my password ( with 2-step authentication via email ) several times. While on the phone with the rep, I was locked out of my account and she had to reset it twice. Eventaully she said I need to make another account from scratch. 

When I made a third account, I navigated to the " Dispute '' page, where I found no button or link available to file a dispute. The three clickable links on the " Dispute '' page link to various FAQ pages, or attach a general statement to their report. No ability to select specific inaccurate reports to dispute is available. 

Transunion 's unacceptably convoluted and lengthy login process aside, my complaint is that consumers are not able to submit disputes to their credit report, dispite Transunion 's assertion on their dispute page. 

The complain I am filing is that Transunion is fraudulently misrepresenting the consumer 's ability to dispute reports on the Transunion website. This charge can be verified within seconds by anyone with a Transunion account : https : //service.transunion.com/dss/dispute.page?

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. XXXX XXXX, XXXX is reporting a account that is not affiliated with me. I requested a notification letter from XXXX XXXX through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore XXXX XXXX DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.

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 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I started a new job on XX/XX/2022. I have elected direct deposit to my Bank of America checking account, however the first payroll amount was issued as a paper check. I made a mobile deposit of the check on XX/XX/2022. 

Initially, Bank of America placed a hold on the check until XX/XX/2022. This was inconvenient but was understandable as the amount of the check was {$2500.00}. 

Today, I checked my account and found that Bank of America has now placed a hold on the funds until XX/XX/2022. I made contact with Bank of America via telephone. The representative, XXXX, was unable to provide an explanation for the delay in processing the deposit. I was transferred to a supervisor, XXXX, who indicated that the extended hold time was due to " risk factors '' regarding the deposit. She declined to provide an explanation of the risk factors involved in the decision to hold the funds for an additional period of time. 

I explained that the check is issued by a national payroll processing company, XXXX, and further stated that I have not ever deposited a check which was returned to the bank unpaid. She continued to state that the check is on an extended hold because the amount exceeds the balance of my account. She advised me that the procedure is for " my protection '' to avoid overdraft fees in the event the check was returned unpaid. This excuse does not make sense as I will incur various late fees resulting from the delay in processing the deposit, and as such I will be unable to make timely payment of my bills which are due before the funds will be available on XX/XX/2022. She declined to provide any further assistance regarding the availability of the deposited funds. 

I am aware that such transactions are now electronically cleared and the extended hold time is not warranted or necessary in today 's banking environment. It is my belief that Bank of America has acted in a discriminatory manner based on the amount of funds currently in my account. How can I possibly increase the amount of available funds if Bank of America will not make my payroll check funds available?

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 2022-03-12 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: MN

Complaint narrative:
I have sent Equifax 2 Federal Trade Commission Identity Theft Reports for the following fraudulent account and XXXX credit inquiries that is not my account or credit inquiries : XXXX XXXX, account number # : XXXX, opened : XX/XX/XXXX, balance : {$6900.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The XXXX XXXX account and the XXXX credit inquiries are all fraudulent and unauthorized, and not my account or credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: GA

Complaint narrative:
On XX/XX/2022, I mailed letters to all three credit bureaus disputing the inaccuracies on my credit report and requesting the removal of those accounts. To date, I have not received any correspondence from Equifax as to the results of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
At the completion of my lease with Hyundai Finance, on XX/XX/2020, I made numerous attempts to return the car to the dealership. Multiple telephones calls and a visit were made to the dealership which I learned was closed do to the COVID pandemic. Subsequently, telephone calls were made to Hyundai Finance and after numerous attempts over period of 30-60 days I was finally able to make contact with a representative that stated " the finance office was closed do to the COVID pandemic '' and that I should continue to try and get in touch with the dealer. I explained that the dealer was closed, that this was a significant hardship since I had to continue to keep the car insured and I was unable to lease a new car. I was told that there was nothing that Hyundai Finance could do and that the car had to be returned to the dealer that I leased the car from. Subsequently, Hyundai pickup the car from my residence and reported to the credit agencies that the care was repossessed.

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 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. 

I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and XXXX to obtain permission. 

After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt XXXX. The 1st one was from Sequium Asset Solutions , LLC on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from XXXX XXXX. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above 800 was now below 700 because of this false charge and I ended up getting a much higher interest rate because of this. 

Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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