vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which Transunion is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police 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 2020-07-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX  is reporting account from XXXX and XXXX that Fraud and Equifax is reporting XXXX, XXXX and that are fraud..attached also is my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NY

Complaint narrative:
XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. Trans Union didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on Trans Union and XXXX. The delinquency was not my doing.

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 2020-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX  until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX. The delinquency was not my doing.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good afternoon, my name is XXXX XXXX. I am reaching out to u, due to the fact my account was hacked and my entire account was drained ( {$3600.00} ), with only {$22.00} remaining on the card the card was terminated and I received a new one. The felonious charges that were made were from the state of New York, I live in XXXX XXXX, can. Bank of America EDD is the company.This incident took place XXXX XXXX. I have already filed a claim, but I'm being told I would have too wait from any where from 45-90 days until case is resolved to receive the money stolen out of my account. I spoke to claims..and I have been getting the run-around..i was told 5 - 6 different answers of when my money will be returned.Due to the pandemic and the end of the month, there is no way I can wait that long. My rent was due XX/XX/XXXX, late fee starts on the XXXX of XXXX. I understand that Bank Of America have a policy that they follow, but I ask that something be done concerning my case in a more expedient manner. I have XXXX children, ages XXXX and XXXX  years of age. So I humbly ask something can be done, I look forward to hearing from you and thank you for your time. # Claim number XXXX ..my phone number 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 monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
In XXXX  XXXX  leaked the data of XXXX  million Americans, I was also one of those XXXX million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has  suffered greatly. Hunter Warfield has continued to report this fraudulent information to my credit report which is a direct violation of the Fair Credit Reporting Act. 

I have disputed this account twice, this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area. 
Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.1. An explanation of what this alleged account balance is for.2.A calculation of the balance, including the complete payment history.3.Documentation that shows I have agreed to pay this debt.4.The agreement that grants you authority to collect on this alleged debt.5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today.

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 2020-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX ( account number XXXXXXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, I would like to file a complaint regarding an unfortunate issue I had with opening a priority checking account with Citi Bank. In XXXX, I received some promotional offers from Citi for opening a priority checking account. The terms on the offer states that if I maintain a balance of XXXX for 60 consecutive calendar days, I would receive a bonus of {$700.00}. I opened the account on XX/XX/XXXX and made the deposit of $ XXXX into the account on XX/XX/XXXX. 

As of XX/XX/XXXX, about 91 calendar days after the deposit, I haven't received the opening bonus so I called Citi Bank trying to resolve the issue. I was told by Citi Bank that I had to wait an additional 90 days after the 60 consecutive calendar days to get the opening bonus, which was not presented in the online offer. This took my by surprise that a requirement like this should be presented clearly to the new customers. This is not a good practice to attract new customers to open accounts with Citi Bank. 

Thanks for looking into this matter.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: CA

Complaint narrative:
I attempted an ATM Withdrawal while in XXXX on Tuesday XX/XX/20 and Wednesday XX/XX/20 from my Cash App Cash Card. 

The ATM 's I attempted to use all provided me with a message stating " Insufficient Funds ''. The balance in my account at the time of withdrawal was {$2000.00}. My ATM withdrawal attempts were for the following amounts ( as stated from my account history ) : {$980.00} {$960.00} {$650.00} {$650.00} {$650.00} After each attempt, I received an email from Cash App listing the attempted withdrawal amount, stating : " This ATM withdrawal was declined for your protection. 
We can not complete that ATM action. Remember, current daily withdrawal limits are {$1000.00}. '' I contacted Cash App Support on XX/XX/20. Their response on XX/XX/20 is that foreign transactions and withdrawals are not supported. 

From their website, https : //cash.app/legal/us/en-us/card-agreement 32.  Transactions in Foreign Currencies. If you withdraw funds or make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in your Card Account will be converted by Visa into U.S. dollars. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. For each foreign currency transaction, the Bank may assess a foreign currency conversion fee and will retain this amount as compensation for its services. Square will not charge you any fees for foreign currency transaction. '' To me, it seems that Cash App is denying the ability to complete my transaction on a product it is offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
In the past against my explicit wishes Firstmark Loan services has contacted family members including my elderly grandmother about loans that were just a few months past due. 

In the past year or so I have not let that account get that behind and it is currently up to date and has not been more than one month behind in probably a year or more. However I am, at most, one month in some sort of annual or biannual check of contact information which I updated online today. This info has not changed in 3 years. But without attempting call or email or send a letter about this they decide to start calling my Aunt instead. 

This is ridiculous I am a XXXX year old why do they keep reaching out to my family about my personal private information and all on a small student loan debt that has been a few months behind at worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have received " invalid '' debt validation from XXXX XXXX, XXXX Vice President of Client Services via email. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I am allowed under HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to ____ for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is as follows : Please provide a breakdown of fees including any and all collection costs and medical charges.

Please provide a copy of my signature with the provider of service to release my medical information to you.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Immediately cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
Dec 16, 2016 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
EECU {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser EECU BBVA USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX  XXXX Nature of Suit  : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Amer Koorndyk v. Bank of America , N.A. et al ( XXXX ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. XXXX XXXX  XXXX. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14.  The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in August 2019, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank of Amer Koorndyk v. Bank of America , N.A. et al ( 2:17-cv-00903 ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 2020-07-02 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: NC

Complaint narrative:
On XX/XX/2020 a method of verification letter was delivered by certified mail to TransUnion. The method of verification was in regards to a public record from U.S. Bankruptcy Court XXXX number XXXX. I never received a response back. On XX/XX/2020 a non response letter was delivered certified mail to TransUnion. Today is XX/XX/2020 and I still have not received a response back from TransUnion.

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I don't know the exact dates. I check that was on a closed account was deposited by accident and because it was from a bitcoin trader i haven't been able to link my accounts

Company response to consumer: Closed with explanation