vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following listed accounts below has violated my rights. 

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

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I closed my account with Bank of America back in XX/XX/XXXX. I had a refund for {$420.00} sent to this closed account from XXXX in XXXX of XXXX. Bank of America will not give me my refund or return any of my calls. I have filed a complaint with the XXXX  which they still never fixed the issue. They said they called or mailed me a letter, neither of which are true. They say money can not be sent to a closed account but XXXX was successfully able to send it to them and even provided me with the money tracking number from their bank to the receiving bank. They refuse to cooperate. I know that they received the money and are just refusing to give me what is MY money. I will happily provide more information for this when contacted.

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 2022-06-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account 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.

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 2022-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I initiated a transfer from an account in my name to an account with a different institution, also in my name. I was originally given Friday, the XXXX of XXXX as the date this transfer would be complete. When the transfer still had not processed I checked via mobile app, the account at the receiving institution and the expected date for funds availability was now Sunday the XXXX. 
When I reached out to that institutions customer service they told me that it takes 3-5business days for transactions to process, which I let them know I fully understand, but that the q, as the funds were no longer in the original account as of Wednesday the XXXX. Both the original bank as well as the XXXX had processed the transaction and it had been sent on to the receiving institution. That institution claimed they did not have this transaction and that I had to wait because of the XXXX process. I attempted multiple times to speak with a different person or supervisor who wouldnt given the same copy and pasted response. 
I even showed the rules & regulations set forth by the XXXX that are aimed at expediting transfers. The receiving institution gave shallow and pedantic responses as well as feigned sympathy. My funds are still unavailable to me at a time of great need. The receiving institution has done nothing to assist or even look into releasing funds that they have full control over at this time. They are hiding behind a public misconception that XXXX institutions and workers are the reason for the slow down and it is completely unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: CA

Complaint narrative:
Recently my credit score drop over 100 points because Experian is showing two serious past-due mortgages. My report should only reflect one mortgage. Also, the two mortgage servicers XXXX XXXX and XXXX are one and the same. I have attempted to dispute this with Experian, but they have refused my dispute

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 2022-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
My Pay-Pal account was hacked and an unauthorized payment was made for the sum of {$270.00} CAD ( {$220.00} USD ) early on XX/XX/2022 ( approx. XXXX ). I noticed the activity XX/XX/2022 and called both Pay-Pal and XXXX XXXX XXXXXXXX because my bank account was attached to Pay-Pal. Pay-Pal opened a case, but informed me on XX/XX/2022 that the " transaction is consistent with your PayPal payment history '' which is not true because I've never paid anyone in CAD. When calling, the phone representative did not give any explanation other than stating that the IP address was the same. This can not be true because I was on a flight at the time with XXXX access to the internet. When challenging, the representative stated that they stole my password and PayPal was not to blame. I have been on hold with PayPal for a while now to no avail. I am disappointed with the company and can not believe the reaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
This is regarding a boat loan with Yamaha Finance. On Thursday XX/XX/XXXX I logged into the website to link my credit union account so I could pay off the loan. In order to link the account you must make a payment, so I paid XXXX just to make sure it linked to the account properly. The transfer completed on Friday XX/XX/XXXX so on Saturday XX/XX/XXXX I contacted Yamaha Finance for the payoff so I could pay the loan off. They provided the amount but when I went to make the payment the system would not allow me to continue. The Yamaha finance employee stated that because I had made a payment on Thursday ( clearing Friday ) I was not able to make another payment for at least XXXX business days. I would need to call back and get a new payoff as the finance charges would continue to accrue. I stated I did not understand, it would certainly make sense that it wouldnt process until Monday since it was a weekend but they were telling me I couldnt make the payment Monday that because it cleared Friday I would actually have to wait until Wednesday. I asked for a supervisor and I was told they were sorry but there was nothing they could do, I would just have to call back Wednesday and pay the additional interest. I have gone over all disclosures from my original loan as well as all disclosures on the website and I can not find anywhere stating that you can only make XXXX payment every 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in XXXX I wrote a good will letter to you all ( Capital One ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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 XXXX Account # XXXX, XXXX XXXX XXXX # 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

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 2022-06-05 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MO

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

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXXacct number XXXX XXXX XXXXNo account number listed XXXX XXXX XXXX XXXX No account number listed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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. 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 2022-06-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed with XXXX, Equiafx and XXXX XXXX that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, manager with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the three major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to XXXX and XXXX XXXX. Equifax online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with XXXX XXXX and provided the payment history and they provided the payment history to Equifax along with that I sent the information via US Mail to Equifax twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to XXXX, Equifax or XXXX XXXX to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to XXXX, XXXX and Equifax XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a Home Loan and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to CFPR for help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Citibank offers fraud protection but they did not honor it for my case. XXXX XXXX fraudulently charged my card for {$1100.00}. I disputed this amount because they changed the cancellation terms without notifying me and then when I disputed it, XXXX sent the terms that I did not agree to as their proof. I disputed it a second time and then XXXX lied and said I did not cancel in time. Citibank can see both responses from XXXX are not valid because I sent Citibank the original terms I agreed to that allowed me XXXX hours of cancellation with no penalty. I also sent them proof that I canceled XXXX weeks in advance. When I spoke to Citibank they said they can see that I am right but if XXXX won't agree to pay them back then they will not pay me back. How is that fraud protection? The Company committing the fraud would never agree to pay them back so I am not protected at all. This is false advertising. 

Please have Citi refer to my Dispute Case ID XXXX XXXX XXXX XXXX which was filed with them on XX/XX/2022.

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 2022-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im a XXXX and a XXXX essential worker. Due to XXXX complications I ended up not being in the physical state to make a payment. I had more than enough funds to pay. My partner also called at the time to try to make a payment on my behalf but Capital One would not talk to him Ive see Capital One has removed late payments for other essential workers and I was hoping the same could be done for me. 

Please see attached my XXXX ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MD

Complaint narrative:
Per Experian website below and on their credit reports attached to this compliant, it states Experian uses XXXX XXXX as the furnisher of Bankruptcies. I requested XXXX XXXX to verify the source of their information. The results of XXXX XXXX investigation was the bankruptcies were unverifiable. Please see the attachment. XXXX XXXX mailed results are dated for XX/XX/2022. 

Experian sent a dispute letter to me, dated XX/XX/2022 stating the results of their investigation into the source of the bankruptcies were still pending. Experian sent another dispute letter, dated XX/XX/2022 stating the bankruptcies were verified. However my attached XXXX file and investigation letter resulted in a deletion of both bankruptcies from their credit file. 

This clearly shows that Experian is not doing investigations of complaints nor is it checking with the entity they hired to furnish the information of bankruptcies. 

The results were mailed to Experian under tracking # XXXX via USPS but shouldnt have had to be had Experian done their due diligence. 

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 2022-06-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXXt Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
Creditor Name NCB MANAGMENT SERVICES Account No. 
XXXX I paid for this account to be deleted. I have a recorded conversation and an email stating this. This account hasn't been deleted or updated at all.

Company response to consumer: Closed with explanation