vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
After I had completed the payoff of all but one of the debts I had listed with their company, Freedom Debt Relief convinced me to open a loan with their " sister '' company. I signed documents via email that were supposed to be finalized once final negotiations over an {$8000.00} XXXX bill were complete.I continued to make payments in the amount of {$390.00} per month while the amount of the reduction was supposedly being negotiated. 
During the time of the negotiations, the company was purchased by another company called XXXX. 
I have never received a final packet on the loan, no transition documentation on the loan, or any information as to who my contact is or a phone number or anything. But I did receive a notification from XXXX that a new account has been entered on my credit report for {$12000.00}. 
My last statement from XXXX shows a balance of {$1200.00} in the account the previous settlements had been paid with and that money was supposed to be transferred toward the loan amount of the final bill. 
The company refuses to communicate with me probably due to their inability to answer where did the bill amount come from, what happened to the funds in the other account and why can I not get a hard copy of all the information pertaining to the loan transition between companies? 
The amount seem excessive and their refusal to communicate is infuriating. Their phone staff is a bunch of young kids who have no ability deal with people and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CA

Complaint narrative:
The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
LCI, is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX XXXX XXXX Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. LCI is falsely stating this information on my credit report and have yet to remove this 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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated 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. 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. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX XXXX 10 years ). 

The President of The United States, XXXX XXXX, also announced student-loan relief for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. XXXX XXXX XXXX do not provide information related to public records to 3rd party companies like XXXX XXXX or any other for that matter that TransUnion stated provided the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an 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 2023-01-17 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: CA

Complaint narrative:
15 USC 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 FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must correct late payments under CARES Forbes act. 
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 explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sold my home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and bought another home at XXXX XXXX XXXX, XXXX XXXX XXXX Regions Mortgage held the mortgage on both. I closed on XX/XX/XXXX. I havent received a mortgage statement from Region mortgage by XXXX or by email since I closed on this property on XX/XX/XXXX. They keep sending the paperwork to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have contacted them and they continue to send paperwork to my old address. I spoke to XXXX XXXX at XXXX and it continues. I spoke to XXXX on XX/XX/XXXX and she stated that she changed my address. Someone at Regions Mortgage continues to change it back to my old address.

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 2023-01-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a Mortgage application with Chase on XX/XX/XXXX and got pre-approval. I purchased the house with another lender in XX/XX/XXXX and didn't use Chase. 

Now it's XX/XX/XXXX and my Chase pre-approval expired. The agent from Chase contacted me today ( XX/XX/XXXX ) and asked if I authorize them to pull my credit report in order to keep the pre-approval letter ( see attached ). 

However, before I got a chance to contact Chase and cancel this cancel the pre-approval, Chase pulled my credit report again in the afternoon of XXXX/XXXX/XXXX without my written approval. This action doesn't make sense as they don't have my consent to pull my credit again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America placed a. Annual fee on a credit card that had a XXXX balance and because of COVID I never received the XXXX $ statement balance. It gave me a XXXX day late payment now and has dramatically hurt my perfect XXXX years of perfect credit. They have not fixed it yet.

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 2023-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to submit disputes with Equifax via Phone, Fax, and postal mail for a XXXX  XXXX XXXX account which is being reported on my profile that is not mine. I called Equifax again on XX/XX/2023 at XXXX XXXX EST. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the Equifax automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my Equifax report are due solely to being the victim of their XXXX data breach. Equifax has tried to send me a settlement of {$44.00}, I would prefer if Equifax would properly update my profile. Equifax 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided Equifax with FTC reports, Police Reports, and valid documentation from creditors proving what they are reporting is incorrect, yet Equifax fails to update my profile. I would like all inaccurate information to be deleted and suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CA

Complaint narrative:
15 USC 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 FDCPA XXXX XXXX False misleading information FDCPA XXXX furnishing deceptive forms must correct late payments under XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$240.00}

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 2023-01-18 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the US Bankruptcy Court Southern District of Florida which is false. I have a attached a letter from the US Bankruptcy Court Southern District of Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. Lexis Nexis is falsely stating this information on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i ask the company for information and they didn't send the information to me and this has been sent 2010 then the tell me that the will not sue me or report it to the credit report agency i don't know what kind of loan it is credit card or a loan. the way my credit was mess up there is no way i could of got any credit from anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America placed a. Annual fee on a credit card that had a zero balance and because of XXXX I never received the XXXX $ statement balance. It gave me a 30 day late payment now and has dramatically hurt my perfect 30 years of perfect credit. They have not fixed it yet.

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 2023-01-18 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: CA

Complaint narrative:
The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-01-18 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: CA

Complaint narrative:
The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
According to section 15 US C 1666b- timing of payments Section 15 US C 1681bXXXX are not allowed to furnish anything on ones credit report without person written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo authorized almost XXXX XXXX dollars deducted from my business account At XXXX XXXX in Virginia. 
I live in California. 
Debit card was in my possession and it was fairly new. 
I say it was an inside job. 
I have copies of all transactions but I do jot have a scanner. 
It was like XXXX transaction at XXXX a pop. 
Please help us.

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 2023-01-18 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: DC

Complaint narrative:
On XX/XX/2023 {$40000.00} was paid to my Paypal account from a client for a service ( general contracting ). As of today, I've only been allowed to withdraw {$10000.00} of the money that is sitting in my Paypal account. Simply, I have not been allowed access to the remaining $ XXXX. 

When I called customer service, I was initially told I needed more information to confirm it was a legitimate sale and I am the legitimate account holder. I provided them with two forms of ID, a copy of my bank statement, my business license, insurance info and the buyer/sender/client got on a three way call and confirmed it was a legitimate sale. He also did what they asked him to do online.

I've been calling everyday to gain access to my funds. Each time I call, I'm given a different excuse... XXXX always ends with them telling me it is a large amount of money and it triggered their security measures. " Wait 48 hours ''. They can not identify an issue on my end ; they have confirmed that my bank account checks out, my identity, the client confirmed the legitimacy of the transaction and the money cleared, they have all of my information, nonetheless, they claim there is no person to override the system which is preventing me from withdrawing my money. " The money is in your account ; our system is just blocking you from withdrawing it ''.

I am a XXXX XXXX XXXX I find it unacceptable that Paypal is allowed to take 2.99 percent of the money paid to mXXXX XXXX an extra fee that I knew nothing about- then hold my money for an indefinite time. It feels like extortion. Based on their cavalierness during discussions, I can not imagine that I am the only one this is happening to. There needs to be some accountability on their part. Equally important, I need them to release my funds. I hope you can help!

Company response to consumer: Closed with explanation