vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: CT

Complaint narrative:
EQUIFAX is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EQUIFAX WILLINGLY REPORTING THEM IN DIRECT VIOLATION! XXXX has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EQUIFAX conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EQUIFAX UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Today, XX/XX/XXXX, my PayPal associated with XXXX was permanently limited with me unable to access my funds for up to 6 months. On top of that I had pending refunds going to that account that I can no longer receive from the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
The former mortgage company Amerisave was going to do an assumption process to take my dad out from the loan and for my husband, one of the mortgage holders to assume the loan alone, the company asked for an assumption processing fee I went ahead and sent it then they decided to transfer our loan to another bank XXXX  and after the transfer Amerisave cashed my check, now I have been emailing the assumption special loan department from Amerisave and calling and speaking with them and the only response is, " we do apologize for the inconvenience but this issue was given to a supervisor for approval to refund the monies '' I have been back and forth with them since XX/XX/2022, and I explained why did you guys cashed my check if you guys no longer had the account? I have been asking how much more time I have to wait to get my refund back? And they keep saying, I have to wait, is pending for approval ... I explained this issue to the new bank XXXX and they mentioned that Amerisave has the tendency to hold the monies and the clients have to fight for their refund. Now the new bank is in the process of doing an assumption but I need my monies ( refund ) from Amerisave. Please can you help us? I sent Amerisave a letter asking again for a resolution or I will escalate this matter. thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
Equifax has gone over and beyond to lock access to my Equifax ID, discriminate against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So I originally submitted a complaint about Bank of America asking me to a lot to money that was supposed to be in my possession as of XXXX of last year. Their telling me to get notaries signed and everything for something that makes no sense to me. I never got the check and now they want me to go out and spend money on stuff for their own leisure. This is downright disrespectful. So another complaint must be sent. They also have in their possession {$8700.00} in frozen assets from over a year now. Which is unfair and unjust. What investigation takes that much time And everytime I call them its a new lie and excuse as to why they wont release my funds. They finally sent me the paperwork shedding light on this. Bank of America needs to be sued via a class action lawsuit for this type of action as Ive read they keep doing this constantly to their customers/clients however they deem us. Somebody obviously stole my check or it was lost XXXX  which is on bank of XXXX part, but either way it seems like a big corporation like Bank of America is stealing money from me and there is nothing I can do about it but seek legal counseling regarding 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 2023-01-14 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: FL

Complaint narrative:
According to FCRA my rights have been VIOLATED. 

15 USC 1681 602a section 4 I have a right to privacy.

15 USC 1681 604a section 2 says to furnish consumer reports i accord with written instructions of the consumeXXXX XXXX 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 2023-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I have been charged twice in the same month XXXX XXXX $ XXXX $ by XXXX XXXX  i called them about it and did not want to look into it or refund me so i got a hold of my credit card issuers that is cash app and filed a despute and still did not look into me getting charged twice in the same month it said due to my account canceled please look into this and help them relize that its robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: PA

Complaint narrative:
Harassing communication by mail that will not stop even after proof was sent in that debt is settled. If they need further communication they can reach out to the original creditor for the letter. I am not a babysitter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXXl XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Awhile ago, I suspected someone or maybe more than one individual having access to my account at USAA, withdrawing/embezzling money from my account. I contacted USAA regarding and asked them to do a total review of my account given that. Additionally, the NSF fees were, at times, being applied erroneously in which USAA corrected. USAA was fined, not long ago, for fee issues and the like. Over the past year, I have large deposits into my checking account from EEO/discrimination cases with the Federal Government ( i.e. {$78000.00}, {$49000.00} and {$27000.00} ). I know that I have expenses and bills, but I also receive deposits per retirement from the VA and OPM. I suspect that my money is being mishandled or removed from my account by someone who is dishonest in their efforts. I want to ensure that this is not, in fact, the case given the fines USAA has faced. I have been a member of USAA Federal Savings Bank for 22 years and I am sure that this request ( total review of my checking account ending in XXXX ) can be done to ensure money is not being stolen. While I value USAA as a business entity, as a XXXX veteran and a single parent, I must look out for myself, as the money deposited has gotten missing quite fast and I just want to ensure that it is nothing illegal occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a Paypal Savings account which is a joint-venture between PayPal and Synchrony Bank XXXX I have not been provided an account number or routing number for the savings account. 

As a result, I am unable to transfer money from PayPal Savings account to a different financial institution. 

Upon calling their contact center, they said they dont have access to my account number and cant provide me a routing number.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION
State: DC

Complaint narrative:
My bank notified that they would be making changes to their bill pay service. I have been using these services to make automatic payments for years without issue. When the changes took place, I was prompted to add my billers again. In my recollection, at that time, I was only able to select a default address for the biller. I thought this should not be an issue, since my payments were always electronic, and I could find no way to edit the info. 

The next time I made payments, they were not posted to my credit card accounts within a week, and I was in danger of missing the due dates on XXXX accounts ( the auto payments generally take only a few days ). When I checked the bill pay records, it showed that they were mailed. The bank informed me that it might take XXXX business days for the checks to clear. By day XXXX, I learned that the checks were returned as undeliverable, and that my payments were late. 

I incurred nearly {$140.00} in interest and fees between the XXXX accounts, which I generally pay off monthly. The bank has responded that they notified customers to update their biller information, but I believe this was inadequate because the system was not prepared correctly for the update. 

I am including screenshots of my credit card statements to include the interest and fees, and also a screenshot of my bill pay record with the XXXX problem payments marked. The bank will have records of our communications in their apps messaging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXXt number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Bank Of America

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 2023-01-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my nights. 
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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my nights. 
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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.

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 2023-01-15 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Here I am again dealing with another CRA that has refused to give me a copy of my report online and is now attempting to extort my private information from me in exchange for a copy of my report. I am not obligated to share my personal information with Innovis, a company that has never received my permission to share any information about me or my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
Equifax has gone over and beyond to lock access to my Equifax ID, XXXX  against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C Systems Inc has been kicked off my credit multiple times and continue to ruin my credit saying I owe for a old modem for XXXX, they have been continuing to herass me and and ruin my credit for something I have never had!

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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
This account was opened in my name this is a fraudulent account I have tried to resolve the issue with the credit card company Destiny Account # XXXX no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
According to FCRA my rights have been VIOLATED.

15 USC 1681 602a section 4 says I have a right to privacy.

15 USC 604a section 2 says to furnish consumer reports in accord with written instructions of the consumer XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXl XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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