vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX  and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX  in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX} and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be exposed and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX are depriving me of my rights and are conspiring against my rights which .they are being negligent and willingly noncompliant. I offered a conditional acceptance of any alleged debts upon a lawful proof of claim which they failed to respond to. I gave them a chance to correct their error by sending them a notice of fault : opportunity to cure which they failed to provide a lawful proof of claim as well. I then sent them a notice of default and consent to stipulation agreement to the facts in which they failed to rebut .they have violated my rights under the FDCPA, FCRA , TILA, GRAMM LEACH BLILEY ACT, the UCC , and the US CONSTITUTION.they have breached and exposed my private information and financial data .they are using XXXX XXXX to commit fraud & are attempting to swindle and oppress me .they refuse to provide me with the information they used deem the alleged debts in question as valid .they have not given me the full file disclosure I requested as described 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private. they have not provided me with any chattel papers I requested as described in UCC 9-102 ( 11 ) to deem any alleged debt valid. I was never given a full disclosure of the determination of the finance charge nor was I given a full disclosure of the determination of the annual percentage rate. They allegedly charged off the alleged debts in question, writing it off as a loss but are still attempting to collect an alleged debt. I have receipts of NAVY FEDERAL and XXXX XXXX management harassing me, my family, and even my friends with multiple phone calls sometimes more then XXXX time a day .The codes and regulations they have violated include 12 CFR 1006.6 15 USC 1692c ( b ), 12 CFR 1006.18 15 USC 1692e ( 10 ) & e ( 8 ), 12 CFR 1006.14 15 USC 1692d ( 5 ), 12 CFR 1006.22 15 USC 1692f ( 6 ) ( a ) & ( 6 ) ( b ), 12 CFR 1006.34 15 USC 1692g ( b ), 12 CFR 1006.30 ( d ) ( 1 ) 15 USC 1692i ( 1 ), 12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), 4th amendment, 5th amendment, 18 USC 241, 18 USC 242, 12 CFR 1026.4 15 USC 1605, 12 CFR 226.22 15 USC 1606, and much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: World Acceptance Corporation
State: TX

Complaint narrative:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with World Finance. I had never been late in the 4 years of having an established credit loan with world finance. World Finance agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a XXXX  mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. I feel like World Finance lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XXXX XXXX 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of World Finance she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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 with the Fair Credit Reporting Act, XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No action taken by credit agencies. Not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have incorrect information reported by Credit Acceptance on my credit report, I have disputed this matter with XXXX, XXXX, XXXX, & through the CFPB. Credit Acceptance has XX/XX/22 Account Balance {$16000.00} reported to XXXX & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with Experian, XXXX, XXXX, & through the CFPB. XXXX XXXX has XX/XX/22 Account Balance {$16000.00} reported to Experian & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
On XX/XX/XXXX a client sent me XXXX  on my Venmo account. 
I immediately tried to transfer the money to XXXX of my bank accounts linked to my Venmo account. I accepted to pay their {XXXX} fees for an instant transfer. As the instant transfer request did not work, I called Venmo. They told me that this was a glitch in their system and to use a standard transfer, and I did it. 
To my astonishment, I received an email from Venmo telling me that my account had been frozen. This is what they say : " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement '' I immediately called them multiple times to ask why, and they refused to give me a reason. I used their system to send a request on XX/XX/XXXX, they did not answer. I called again on XX/XX/XXXX and XX/XX/XXXX and could not get any answer. 
As I can not get my money, I can not ship the product my client ordered, and he wants me to cancel the transaction and refund him. Because of the unlawful attitude of Venmo, I will lose {XXXX}. This is not acceptable, and they should be liable. 
I have the feeling they illegally do this to thousands of clients, keeping their money for making profit. 
I am attaching a statement from Venmo showing that I should have received {XXXX} by XX/XX/XXXX, which did not happen. They tell me if did not happen because my account is frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
Due to a layoff of employment, I missed some payments on my HELOC. I filled out a hardship application in XXXXXXXX XXXX but was declined as I was on unemployment for my only income and Key Bank stated that they could not use unemployment income. I then gained full time employment in XX/XX/2022. I re-applied for a hardship, and again was declined due to XXXX. This is an interest only payment and the amount that was owed could not have been more than {$1800.00} in total. During my conversation ( XX/XX/2022 ) when I was told it was declined, I asked what was the past due amount in order to be current on my loan, because I may have had enough by that time to bring the loan current. I was told that they could not give me that information because they had sent it to a foreclosure attorney already. 

My 2 biggest issues is that I was not given the option to pay it in full at the time it was expressed to me that my hardship application was declined, and secondly, it was sent to a foreclosure attorney before I was even given the opportunity to appeal it. This is true for both the dates and also I had not received the appeal paperwork before it was sent to the foreclosure attorney. 

I believe these motions were not necessary and unfair. This was not a large amount of money that I was behind on and believe I was not given fair options to resolve it before sending it to a foreclosure attorney which will also cause me to incur additional financial hardships due to legal fees and additional bank fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for Experian to delete these fraudulent accounts XXXX XXXX XXXX Account number XXXX Recent balance {$11000.00} as of Account name XXXX & XXXX Account number XXXX .... 
Recent balance Not reported XXXX & XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$590.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX .... 

And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Experian already, and I am uploading the copies on here as proof.

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI

Complaint narrative:
There is this company listed on my credit report that I do not owe. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I made a deposit into my account and the bank has placed a 7 day hold on the funds. I called and requested the bank to release the funds however they would not do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was promised XXXX XXXX  for opening an Amex Business checking account. 

1. Funding $ XXXX. 
2. Completing 10 transactions. 

I completed all of the above but did not receive the bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2023, I cashed a check drawn from Wells Fargo bank at Wells Fargo bank branch XXXX XXXX at XXXX XXXX. I was told that I would be charged {$7.00} to cash the check. I argued that the check was drawn on Wells Fargo. The clerk refused to cash the check unless the {$7.00} was paid. The clerk informed me that they passed the cost to the consumer because the company that prints the checks would not pay a fee for processing the check. I had to cash it because Im from out of town and dont want to use check cashing companies. I feel that there should not be any fee for cashing a Wells Fargo check in a Wells Fargo bank. XXXX, Florida is where this branch is located.

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