vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a new complaint to the CFPB with respects to XXXX XXXX  # XXXX on XX/XX/XXXX advising I have asked the credit bureaus to provide me with documentation of how the properly did an investigation on XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX/XXXX and how they were able to " verify '' the account. 

I am being told they verified the information but how? I have not received anything from the bureaus or the finisher so how is this possible? I am a real person and I am being ignored. I have asked several times as I have the right to have proof of the investigation. According to the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit buraus are stating my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, and the date last activity is inaccurate. I have attached another copy of the report to show this is still inaccurate as of XX/XX/XXXX. This is grounds for removal. They also have violated my rights under : 15 USC 1681 Section 602A : States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. The attached credit reports from month to month shows the inaccuracies AS PROOF and must be delete from my report.

I have provided the letters and I am being ignored. I plan to seek legal counsel if this is not removed as the bureaus are in clear violation of my consumer 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 non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I'm banking with truist bank a mobile check was deposited into my account 3days later the check was found out to be fraudulent and caused my account to go to a negative balance I paid the money back to the bank and my debit card was locked on the date my rent and Bill 's were due I made 2trips to the bank trying to find out why my card was locked I got the run around until I went back the second time to close my account out they wouldnt let me because my social sercurity check hadn't cleared it was still pending I've never had a problem before paying Bill 's on a pending social sercurity check this is terrible I cant pay my rent because of this truist is holding my money which is totally wrong

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 2022-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Happy Holidays to the good people at the CFPB. Thank you for your service. Im writing the CFPB because Im being extorted and discriminated against by Bank of America. Not just with overdraft fees and atm charges. Bank of America is not doing proper accounting on my business bank account ending in XXXX. I am only being serviced on the cash side of the Bank of America accounting ledger and not the credit side. Yesterday I received a tax credit from the XXXX XXXX  because of a tax form I submitted to the IRS Treasury department. The tax credit of {$38000.00} posted to my account at midnight XX/XX/2022. Instead of crediting my account Bank of America created a negative deposit after applying the credits to themselves and not giving me access to my funds. I am completely in shock and cant even think straight. Im tired of being bullied. Im a tax paying American State Citizen. I should not be treated like this..

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 2022-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
My loan servicer, Loan Depot, is trying to take advantage of my situation as I try to resume payments following a COVID forbearance. My forbearance period ended on XX/XX/XXXX with about 12 months of past due mortgage payments. I indicated to the servicer that I was ready to resume my normal payment but needed an alternative to paying back the past due amount as a lump sum. I contacted them in XXXX several times and they finally initiated a loss mitigation review on XX/XX/XXXX. 

At that time, the XXXX  was still offering the XXXX  XXXX XXXX XXXX ( XXXX  ) until XX/XX/XXXX. My account was not considered for this loss mitigation method. Instead, underwriters at Loan Depot sat on my package for nearly XXXX months. On XX/XX/XXXX, I finally received an offer to resume payments. 

That offer came in the form of a terribly worded Trail Payment Plan letter where I saw that my payments would be increasing by over {$500.00} per month. There was no financial justification provided in this letter for the increase in payment amount, nor any details of the loss mitigation method that was selected. 

I had to call the company several times to basically pull the information I was looking for from them. I am being told that these trial payments are because they are proposing a loan modification where they will increase my interest rate and add my past due amount to the principal balance. 

I was told that the last date to apply for the XXXX  program at Loan Depot was actually XX/XX/XXXX. This internal deadline was never communicated to be prior to XX/XX/XXXX or I would have considered applying earlier. 

I am very frustrated at the misleading language of their trial period plan letter and the fact that they did not consider me for a VA program which I was eligible for, interested in, and would have been in my best interest. 

Additionally, the XXXX  informed me that they still have a COVID Refund Modification program available until XX/XX/XXXX. This is yet another program that would be in my best interest that Loan Depot hasnt considered for me. 

They threaten forbearance and use scare tactics to try and bully customers out of forbearance. They dont consider us for programs upon which we are eligible. And when they do make a loan modification offer, they are cryptic and withhold critical information such as interest rate changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

Bull City Financial representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Lease was funded using a fraudulently signed " Standard Buyers Order ''. I was never presented with this document while obtaining the lease, never signed this document, and explained this to XXXX over the phone in reference to COMPLAINT ID XXXX. All signatures and initials on this document do not match my own.

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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my TransUnion credit report. My latest credit report shows XXXX credit inquiry/inquiries that I did not authorize. I submitted the the request to TransUnion, with an attached FTC report.

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 2022-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am the beneficiary of an inherited IRA account. The account is at JP Morgan/Chase and I want to transfer it to an inherited IRA account XXXX XXXX XXXX where I have other accounts. I started this process with JPM/Chase on XXXX XXXX by completing a traditional IRA Distribution request by Beneficiary. The XXXX at the bank contacted JPM/Chase to make sure all the correct documents were completed. The application was sent on XX/XX/2022 and they advised that it may take 7 weeks to process. 

On XX/XX/2022 I called JPM/Chase to check on the progress of the application and was informed that they needed 2 pieces of information : the decedents SSN and my birthdate. This information had already been provided on the application. The representative advised me that they would expedite the application. 

On XX/XX/XXXX I called JPM/Chase again and they advised that the hold up was with XXXX XXXX XXXX XXXX advised to fill out another transfer application. I did this and sent the application and a copy of the latest inherited IRA statement to XXXX on XX/XX/2022. 

On XX/XX/2022 I called XXXX and asked the status of the transfer and after researching for about 10 minutes they advised that they needed a copy of my signature and the latest inherited IRA statement. 

On XX/XX/2022 I went to the local XXXX XXXX and talked to XXXX XXXX who called Chase XXXX XXXX. We had a 3 way call and XXXX decided they didn't need a copy of the statement, only my signature. Then JPM/Chase decided they needed more documents from XXXX so I completed a " Transfer your Account to XXXX '' application. The Chase representative said that if everything was in order I should receive the money in 7 days. I went to the Chase branch and they faxed the XXXX document to Chase XXXX services. 

On XX/XX/2022 I called JPM/Chase to make sure they received the information and that they did not need anything else. I was advised that they did get all the information and that it would take several weeks to process. 

This constant request for duplicate and additional information and weeks to process any document is ridiculous and I believe intentional. Days and weeks have turned into months and JPM/Chase does not want to transfer the money to me and I suppose hopes that I will give up and let them keep the money. 

Can you please help me complete the process and find out why JPM/Chase will not transfer my money to XXXX. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: MD

Complaint narrative:
I was severely injured at work and required XXXX  XXXX. I did not have insurance at the time and was self-employed so I was unable to pay the medical bills and needed time to recover. XXXX XXXX  where I received treatment has their departments all separate so XXXX  was billed separately as were the XXXX  charges and the XXXX  's charges. by the time I got situated where I could start addressing the financials the XXXX  dept. had already sent their bill to collections which happened to be before the XXXX  approved me for 100 % financial assistance. They show a XXXX balance on their records however NATIONAL RECOVERY AGENCY is still reporting this to my credit report and attempting to collect payment. I have opened a dispute with credit karma which is pointless because none of the credit bureaus have any record of a dispute so I then filed a dispute directly through XXXX and sent a letter of VALIDATION to the collection agency, the dispute has been closed as the collection agency reported that it is accurate information even though legally they are not allowed to until they have satisfied my request for validation which they have not nor can they. next, I will file any relevant law suites against them as this is causing me serious harm.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: A1 Solutions Group Inc
State: CA

Complaint narrative:
XXXXDid n't complete services rendered XXXX misleading communication which Lead to know communication at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX XXXX  REPORTING WITHOUT MY KNOWLEDGE OR CONSENT.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
I am a Gemini Earn customer. I possess funds in Gemini Trust Company , LLC, that I put into Gemini Trusts Gemini Earn program. These funds consist of {$130000.00} XXXX and XXXX XXXX. I attempted to redeem my callable loan of these funds on XX/XX/2022, and received a message that my funds would be transferred to my XXXX account on or before XX/XX/2022. I have still not received these funds -- the transaction has remained indefinitely " Pending. '' On XX/XX/2022, I used the Customer Support portal to direct Gemini to terminate my loan to any Borrower parties, pursuant to the terms of the Gemini Earn Program Terms and Authorization Agreement, which states in Section XXXX ( Making Loans to Borrowers ) that I have the right to direct [ Gemini ] to initiate action to terminate any Loan made under this Authorization Agreement in accordance with the terms of the Loan Agreement. 

Furthermore, the Master Loan Agreement states the following in Section XXIII ( Term and Termination ) the following : This Agreement may be terminated by any Party by providing thirty days written notice to the other Parties. In the event of a termination of this Agreement, any Loaned Assets shall be redelivered immediately and any fees owed shall be payable immediately. This Master Loan Agreement has since been deleted from Geminis website. 

On XX/XX/2022, I received a response to my demand for loan termination, saying that there was no further information and that I should await updates. To be clear, I was exercising my contractual right to terminate my loanI was not seeking further information. I messaged Gemini Support again later that evening of XX/XX/2022, to clarify that Gemini had not substantively addressed my request. 

On XX/XX/2022, I again directed Gemini Support to terminate my loan, again using Geminis online portal. I have thus far received no response to this message, but I received a reply to my second message from XX/XX/XXXX, stating that Gemini Support was working on my request and would follow up laterGemini Support gave no timetable for when it would effectuate my request. 

In summary, I have exercised a right delineated in my user contracts to terminate a callable loan, and not only has this request not be fulfilled within the promised timeline ( XXXX week ), but my demands for loan termination have essentially been ignored, which is unacceptable conduct from a party ( Gemini ) that holds itself publicly and contractually as the Agent for the Lender ( me ). 

Thank you for your time and prompt attention to this pressing matter.

Company response to consumer: Closed with explanation