vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On or about XX/XX/XXXX I noticed that my account was very low. When I checked my account statement, there were XXXX  transactions from places I had never shopped which occurred while I was at work. On XX/XX/XXXX, XXXX transaction for {$100.00} and another for {$400.00} about XXXX minute apart from each other at XXXX in XXXX, TX. Also on XXXX, XXXX transactions were from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX were about XXXX minute apart. The transactions were {$990.00}, {$990.00} and another for {$990.00}. The last transaction was on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, TX for {$500.00}. I've never been to these places. I called Money Network when I noticed the charges ( XX/XX/XXXX ) and they canceled it and issued a new card but did not refund the money. I disputed the transactions with Money Network on XX/XX/XXXX but they denied my dispute so I appealed the denial on XX/XX/XXXX which they also denied. They have no email address and the phone number leads to a call center in XXXX. Money Network have been of no help. The debit card was in my possession at all times and no one else knows my PIN. Money Network is the debit card that I received from my workplace for direct deposit of my income. I have no idea how these transactions occurred.

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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
2017 of XXXX I had a XXXX XXXX XXXX fraudulently opened under my name. I was notified about this issue through a credit report alert stating I had a collections added to my credit report. I have contacted XXXX XXXX XXXX regarding this issue and also sent letters to each bureau disputing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UPGRADE, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX, I applied for a rewards checking account and a credit card with Upgrade. Through XXXX XXXX there was an advertised bonus for {$500.00} if both were opened and XXXX transactions were completed with the debit card that came with the checking account. The checking account was approved that day, but the credit card was not approved until 8 days later. After completing the terms of the agreement and contacting Upgrade customer service they stated that I now had to use the credit card for a few months in order to receive the bonus. I completed those terms and paid the monthly bill on time for multiple consecutive months. 

On XX/XX/XXXX, I again contacted customer service asking why the promotional offer had not been honored. The customer service agent stated that because the checking account and credit card were not opened on the same day that the offer would not be honored. The credit card was not approved until 8 days later, even though that was the product that I had applied for first. 

Upgrade is refusing to pay out a promotional offer with deceptive practices. The accounts were opened in the order which the terms stated, but by not approving the credit card days later they can avoid paying out the promotions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Alliance One, Inc.
State: MD

Complaint narrative:
The loan was refinanced with another company XX/XX/2022. Still appear negative on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The loan was refinanced with another company XX/XX/2022. Still appear negative on credit 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 explanation
Consumer complaint received 2023-06-01 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: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi opened this account on XX/XX/2023, since then im still waiting for the debit card. 
Never arrived. So I need to request a new debit card sent to my mailing address on file which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL 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 2023-06-01 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 XX/XX/2022 I approached a XXXX dealership in XXXX California with a preapproval letter from XXXXXXXX XXXX XXXX XXXX  I put a XXXXXXXX XXXX from them through an auto financing, however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022. I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Had a repossession from Credit Acceptance corporation in XXXX of XXXX. I got the XXXX XXXX XXXX  XX/XX/XXXX. Had vehicle for almost 3 years car payment was {$440.00} monthly could no longer afford that payment. Also, every time I called for payment it would still say my payoff was over {$20000.00}. When I got car from XXXX XXXX in XXXX VA the car was a little over XXXX dollars after finance was added only was supposed to be little over {$17000.00}. I received a summons to appear in court in XXXX VA on XXXX XXXX being sued for over {$8000.00} by a third party agency C/O XXXX and XXXX XXXX XXXX XXXX VA for Credit Acceptance XXXX XXXX XXXX the salesman never told me nor did I see where I had to pay over a 22 % interest rate nor would have agreed to pay XXXX dollars for a vehicle that I was told was only gone cost me a little over {$17000.00}. I am a victim of Predatory Lending by Credit Acceptance. Credit Acceptance sold the vehicle in an auction in XXXX VA. I will not have a car been lost the money that I paid into the car and they have my money that I paid into car and the money that they sold car for. Credit Acceptance recently had a lawsuit in XXXX XXXX XXXX for doing this to other customers. They take people like me and do this Predatory Lending. I would never agree to pay that kind of interest on a vehicle.

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 2023-06-01 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: GA

Complaint narrative:
I asked that incorrect addresses be deleted from my report and they were not. 

I currently live at XXXX XXXX XXXX XXXX. 
XXXX 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
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/ I lived In XXXX XXXX XXXX During covid, during that time they changed owners three four times. During those times they stopped fixing everything they had no pest control let trash pile up and every time it was a new owner, they kept claiming people owed amounts that they did not. So, we were trying to do a community lawsuit, so I stopped paying rent. I had a leak in my apartment for months, my bathtub rusted the only thing they did was spray paint the wall to cover up the leaking down the wall, and spray painted the bathtub to cover up rust and got spray paint all over the wall, the employees in the office was stealing packages. We complained to state and I filed an answer in court but when I moved I wasn't aware of the court date. Now they created false charges for things they never did they never did the only amount I owe them no where near XXXX dollars they are creating fake charges I have pictures to prove and emails. It was horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Santander is reporting XXXX late payments on my account : XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. I have attached a payment confirmation proving that a payment was made in XXXX. This late payment is inaccurate. The vehicle was sold in XX/XX/XXXX and I no longer had possession at that point. The account was paid in full and was NOT late in XX/XX/XXXX. This is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had a Venmo account that I lost access to due to my purse being stolen with my phone and debit cards in it, so I reported it to Venmo so that they would close it, thinking the account was closed, I opened a new account, deposited XXXX with no problem until I tried purchasing then I was informed my account was frozen due to identity verification issue so I sent them a picture of me holding my driver 's license. Then instead of resolving the issue I get another email stating my account is now closed because I broke user agreement that they are going to hold my funds for 180 days it has been over 180 days and they are telling me they are going to hold my funds longer, no reason given and not to reply to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, For some reason, sometimes my bank " w # lls fargo '' back charges fees., for example today is XX/XX/2023. I go back a few days, I do not see a banking fee charge on XX/XX/2023 as usual., however, tomorrow XX/XX/XXXX, I may go back to the XXXX or XXXX, I may then see the expected charge ( e.g. {$15.00} USD ). 

Wells Fago is located by my usual home residence in the XXXX zip code XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I don't need them to know about my issue. I've tried to tell them numerous times. They don't care. This involves a fraudulent charge. Potentially internally to Cash App kinda fraud. 
I guess I'll tell it 1 more time. 
There was a fraudulent gas station transaction on XX/XX/2023. 102 days ago. I was told it was an authorization hold and XXXX canceled it, returned my {$4.00} ( that did actually happen ) but they completely ignored the fact that a pending charge holds the amount in question from your available balance. So I technically still have it but I don't see it and can't spend it. 
All of my attempts to resolve this we're ignored as if I'm a silly ignorant person. I have sent screenshots. Chatted with " support '' over 40 times. Called the XXXX # and everyone there seems to blow it off and won't even confirm they see the same on their end. Its extremely frustrating to have to go to such extremes for such a petty amount. I wonder how many others are experiencing this and not reporting it. 
Oh their policy states that the maximum time a transaction should be pending is 10 days. Again... it's been 102 days today. Please help resolve this fairly. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Today XX/XX/2023, I received a random text message saying welcome to XXXX Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with Rocket Mortgage. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: TN

Complaint narrative:
I submitted an XXXX revocation on XX/XX/2023. I have signed up with a debt consolidation company and this account was included. On XX/XX/2023 Explore Credit debited my account for {$150.00} which caused my account to be overdrawn. I contacted the company about the revocation and they said they received the revocation in plenty of time but would not honor it until I send them 3 months bank statements, a copy of my drivers license and of all things, a selfie. I advised them they were not getting that and that the XXXX revocation should be enough. They advised until they received all of those documents they would not honor the revocation and would continue to debit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Private court documents were unlawfully filed on XX/XX/2016

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Private court documents were unlawfully filed on XX/XX/2016

Company response to consumer: Closed with explanation