vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report, which I firmly believe are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/2023 said I owed money on loan an I never was aware of it. That it was paid an once I found out I still owed then they closed the account as paid. But on my credit report it's still says written off. Which needs to get removed it's hurting me to get a new loan. 
Loan company is called XXXX XXXX XXXX tx XXXX $ was owed an I paid it. Off.

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Received text in XX/XX/XXXXXXXX  about a fraudulent purchase on my Comenity card. I did not make that purchase and they were going to close old account and issue new card and I would receive new card in 7 to 10 days. I have not received the replacement card as of yet ( XX/XX/XXXXXXXX  ) and am locked out of my online account as well. After 15 calls ( 10 to customer service- 4 to fraud dept-1 to corporate headquarters ) to rectify this so I can make payments/purchases on my account they can not get into my account either and can not help me! I spoke to corporate office ( XX/XX/XXXXXXXX  ) and they assured me when I call back in 48 hours, they will be able to get into my account and issue my new card. They still can not get into my account or help me. I am receiving emails and phone calls about my late payment now. I can not get my account number either but emails are showing a different last four digits than my original card. Old card last 4 digits is XXXX new last 4 digits is XXXX. I do not want to make any payments on a card I dont have and I do not want this to affect my credit score! 
As of today, I continue to be told that they can see me in system but is locked out of my account. I am in limbo at this point. And I am being told there is nothing they can do and continue to give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: GA

Complaint narrative:
I see a lot unidentified inquiries on my credit profile I did not apply for and I want to fix this on 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I see a lot unidentified inquiries on my credit profile I did not apply for and I want to fix this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Goldman Sachs employees continue to perpetrate serious federal felonies by perjuring themselves before the Bureau, saying I ever made an untimely payment on my credit card. This casual and dismissive and false response is XXXX and unacceptable. Goldman Sachs employees need to be criminally investigated under the federal obstruction of justice laws for lying to bank regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern : My chase bank account number : XXXX has been closed for no reason and the funds in my account are on hold without any reason. 
The bank stating that they are doing an investigation without giving any explanation I depend on my funds and they holding them I demand release of my funds immediately first they closed my account telling me they have the right to terminate my account at any time per terms and agreement but they don't have right to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The complaint against Bank Of America N.A. On XX/XX/2023 I deposited a check for {$5400.00} at the ATM and on the screen it only showed {$410.00} the machine wouldn't allow me to cancel and use any of the commands on the screen the bank had closed while I was trying to cancel said transaction to retrieve my check from the ATM machine it then printed a receipt with a deposit of {$410.00} not the {$5400.00} which was the correct amount of the check deposited. I called Customer Service and spoke to XXXX and she said the funds will be released on XX/XX/XXXX and gave me a case number. On XX/XX/XXXX I received notification that they put a hold on my check until XX/XX/XXXX, I then called Customer Service I spoke to XXXX regarding this deposit/hold issue she tried to get the money released sooner with her supervisor but unsuccessful I was then transferred to the Fraud Dept XXXX I was told by the Supervisor XXXX that my funds will be available on XX/XX/XXXX on that day the money was still on Hold, I called in again spoke to XXXX I asked for the Supervisor I spoke to Supervisor XXXX with no resolution said I had to wait until the XXXX that there's nothing he could do, I told him that's a total of 8 days not including the weekends that I need my money and this was ridiculous. On my account it stated " XXXX XXXX '' I asked XXXX what do that mean he couldn't explain. This isn't ethical or professional. Can you please help me with injustice?

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 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I wrote a check to the IRS in XX/XX/XXXX, payable to US Treasury. I brought this check inside the Post Office, not in any mailbox. 
In XXXX the IRS sent me a letter asking for payment, plus penalties and interest. I paid them again. 
I asked PNC Bank to investigate on XX/XX/XXXX. They said I would be reimbursed at the end of their investigation, which could take up to 120 days. 
My checking account was attacked after that multiple times, causing me to close it and open a new one. 
The 120 days ended and I was not reimbursed. I was then told it was 120 business days. 
The 120 business days ended on XX/XX/XXXX, and I was still not reimbursed. 
Their only answer is that the investigation is still " in progress ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 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 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 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

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report ; XXXX XXXX XXXX and 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 2023-12-13 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo froze my account and wont tell me why. I can not access my funds or transfer them to my bank. They are holding my money and not letting me get to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a HELOC loan with bank of America Back in XXXX of XXXX. My application was accepted, and we were in the underwriting process. Bank of America found that there was a Lien still on my home and stated that they could not proceed unless the lien was released. Bank of America had done the loan modification for me back in XXXX as they were the holder of the note for my mortgage. Bank of America had sold the servicing to another company, and since then I had refinanced from the FHA loan to a Conventional loan. All notes were paid when I refinanced. I reached out to ISN for a copy of the lien release from the modification and they provided it. Bank of America 's underwriting department for the HELOC was still showing a Lein on my house however for the exact amount as the release. When I reached out to the county to get the paperwork that was filed, I was able to retrieve both the original and duplicated lien that they had filed. I am now unable to do anything with my house because of the duplicated lien. ISN has maintained that they do not have such recording of the duplicate, and that Bank of America needs to resolve the issue.

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 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I scheduled a payment then I had to cancel it. I received an email stating it was canceled. I had scheduled automatic payment for XXXX and the still drafted both payment. When one was returned they charged me a nsf fee when it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I applied for the SAVE student loan program through Nelnet and the government 's student loan website back in XX/XX/XXXX, and was told that the amount I owed was {$0.00} due to my income level. Today, XXXX XX/XX/XXXX, I received an email stating that I owed {$280.00} in two weeks, on XXXX XX/XX/XXXX. I was not given the proper warning that I would owe nearly {$300.00} over the holidays, and was originally told I would not have to pay anything while at this income level. 

When trying to reach out to the company, the customer service unacceptable. There are 70+ minute wait times to contact a representative to get this resolved, and no way to chat with anyone else online, either through a chat or email. 

In short, I have a sudden {$280.00} charge coming that I can not seem to rectify, and I can not afford this. I have no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I submitted a self certified application for the SAVE repayment plan in late XXXX or early XX/XX/2023. 

I submitted an email asking for an update on my application on XX/XX/2023. I received an automated email on XX/XX/XXXX stating that I would receive a response in 2 business days. I finally received a response on XX/XX/2023 stating that my application had not been processed yet and that wait times were up to 60 days, which we are well past for my application. 

I tried to contact them by phone several times but gave up after spending hours on hold. 

I have been making my payments during this time but can not afford them any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax multiple times about not being about to pull my report and see my report on their website. I also request a hard copy.

Company response to consumer: Closed with explanation