vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CA

Complaint narrative:
- XXXX of XXXX : I received an email saying that Discover Bank decided to freeze my account and close it for a business decision. I made many calls that day trying to figure out why they did it and couldn't get an answer from their agents or supervisors regarding reason of closure. 
- XXXX of XXXX : I made a complaint with CFPB. 
- XXXX of XXXX : Discover Bank replied to my complaint saying the same thing, and that they will send me my funds as a check after 60 days. 
- XXXX of XXXX : I called Discover Bank to ask about my check, the agent literally told me the account is not closed yet and that it is still pending closure. 
- XXXX of XXXX : I posted this issue on a public forum and people advised me to take it to the FDIC and contact CFPB which I'm doing right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal user agreement and policy is to fine up to XXXX for consumers who may share misinformation. This is a credible problem as they do not dictate what a consumer can share otherwise faces penalties. Who would be correct in determining misinformation when misinformation is only a persons belief. Lastly, this companies policies goes against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX I found that my ex-husband applied with XXXX XXXX XXXX for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of XXXX XXXX XXXX and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from XXXX XXXX XXXX addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. XXXX XXXXXXXX XXXX never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank told us that we could get the vehicle at the dealership which had a different vin after the loan had been funded for a vehicle with a different vin. They advised us that it was just a matter of reforming the loan to reflect the alternative vin number as the loan amount was not changing. We confirmed wit hthe back that we could picup the vehicle before the loan / check was amended to apply to the collateral with different vin, also a XXXX XXXX, also brand new, also from the same dealership. I have a phone recording of Bank of America indicating as such. Now they backtracked and want a new application and upon doing a new application they are offering a loan roughly 1 % higher. Additionally, they should not be allowed to lie to their clients.

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 2022-10-14 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:
In dispute on my Transunion credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Transunion VERIFIES this account without verified proof of investigation, which is a violation against Texas consumer state law and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and XXXX  Do not share this 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 non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have sent emails to the fraud department at Bank of America on XXXX and XXXX regarding this fraudulent account. I contacted Bank of America today ( XXXX ) via phone and believe the account has been closed or is in process of being closed. 

I have Frozen my credit information and opened disputes with XXXX, XXXX, and XXXX. I have placed a fraud alert with XXXX. 

I was contacted by my church stating a 3rd party background checker experienced a data breach and reports of Bank of America accounts being opened in some members names was reported 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 non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: MS

Complaint narrative:
Have had numerous phone calls from Lenmark loans, They are located in XXXX XXXX XXXX They keep calling to try and collect a debt from an employee that works for me. I have asked that they stop calling my business and they continue. I have asked to speak with a manager and they hang up. When I called back they said the manager is out and have refused to speak with me. The employee that made the loan is part time and is about to be fired because of the phone calls and other reasons. I would like to file a lawsuit if that is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX and they have confirmed there is no bankruptcy showing on my profile however both XXXX and Experian are the only ones reporting a bankruptcy on my credit report that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.

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 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IL

Complaint narrative:
I received notice my loan was to be transferred to a new lender in XX/XX/XXXX. I then received notice that my escrow account was reassessed increasing my monthly payment almost {$900.00} a month. This adjust came one month after my account was adjusted {$1.00} per month. When I contacted the lender I advised them that the county tax bill for 2nd installment has not been issued yet, the rep said it had so I asked her to send me a copy. She put me on hold and then advised this was an estimate. I then explained that we received a disability exemption that was approved in XXXX for XXXX and XXXX taxes and we also won a tax appeal. She said they can send this info to their escrow department to review the escrow. The account was denied an adjustment and a letter was mailed to me. I received this letter on XX/XX/XXXX and immediately called the lender to get my options. I spoke with a Supervisor who said I would qualify for removal of my escrow and she would create a work order and send this to the escrow department with a rush. I was advised this would be completed by XX/XX/XXXX, but in the event this did not get completed there would be an order added to my file that would be sent to the new lender. Over the next 5 days I called every day to see if the order was completed. On the final day I learned that this was not completed but was again told this work order would be in the document file that is sent to the new lender. I contacted the new lender on XX/XX/XXXX and they advised my file would not be to them until XX/XX/XXXX, but they would put in the request to have the escrow removed. I called the new lender back on XX/XX/XXXX and they said they still did not have the file but once I could see the account on the app, they should have the file. On XX/XX/XXXX the account was active on my app so I called the lender, I was advised there was a letter mailed to me with instruction on how to remove the escrow account and I would need to pay a fee of {$330.00}. I was never advised there was a fee so I asked to speak to a manager. I received a call from customer advocacy and they reviewed my concerns and contacted their escrow department. On XX/XX/XXXX I received a call from the new lender and they advised that there was no documentation sent to them from my old lender about the escrow work order. They would be willing to look at the documentation by the original lender should have held back the loan to complete my request. I contacted the old lender and they advised me that they were never going to complete my request to remove my loan, nor would they have held back the loan. I explained I was advised by multiple supervisors and staff over the last few weeks that this would be a non-issue to get this done. I am asking for the old lender to make this right, pay for the fee that was put upon us due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TN

Complaint narrative:
XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with Equifax and XXXX had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TN

Complaint narrative:
XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with XXXX and Experian had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!

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 2022-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have called Ally bank several times waiting an hour each timeAnd have not received a response. They apparently do not answer the phone or have enough personnel to answer therefore I can not have my mature CD sent to me by direct deposit.

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 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I made a payment within 30 days, and XXXX reported to credit report agencies negatively that I did not make a payment.

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 2022-10-14 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: AL

Complaint narrative:
I made a payment within 30 days, and XXXX reported to credit report agencies negatively that I did not make a payment.

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 2022-10-14 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: GA

Complaint narrative:
I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party

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 2022-10-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I've been fighting this account for years to no avail. I have sent in proof showing I was in the XXXX for a long period of time due to being diagnosed with XXXX. 

I had many accounts that popped up on my credit profile that weren't mine, but I was able to get them removed. This account has been removed, added, updated and everything in between. 

I'm wanting to purchase a XXXXe one day and don't think its fair that someone took advantage of me while I was at a weak point in my life, but after proving this account isn't valid, its still not being removed. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
On XXXX XXXX I was notified that Javitch Block LLC was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report under XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX, and XXXX ) XXXX the debt that they were claiming I owed.This debt has been sold numerous times and I actually received a letter from XXXX  claiming they gave this alleged debt to a company by the name of XXXX XXXX  XXXX XXXX XXXXAlso some time after I received another letter from Javitch Block LLC claiming they were the ones collecting this debt as debt collectors for XXXX  which I was not notified about prior by XXXX  as they did for XXXX XXXX XXXX ( whom also are not licensed to collect debt in my state of TN according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) ( but Javitch Block LLC, through summons , are claiming they're attorneys for XXXX XXXX  ) false or misleading representation WHOEVER they are they also pulled my consumer report without my consent.Everyone needs written consent by consumer per FCRA and GLBA.no need for consumer report also invading privacy.This alleged account has also been constantly reporting charged off every month and is also written off/charged off.There can not be a balance due on a charged off account and when it's been written off for taxes.That is a 1099c tax form.Time went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the FDCPA 15 USC 1692 Sec 809b ) to XXXX XXXX debt collector or attorney ( Javitch Block Llc- whom is NOT licensed to collect debt in my state of TN and also retrieved my consumer report with out my consent or acknowledgement ) .As time continued I still had not heard from any one of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the 3 CEOs of the three credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.Still to this day no one has responded back to me as requested.this would be unwilfull compliance from everyone connected to the alleged debt.

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