vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have over {$200000.00} in a Citi bank XXXX bank. It has been in the same account and cleared for over XXXX months. I have now tried to transfer that amount to my XXXX XXXX XXXX account. After hours long phone conversations ( and " chats ) with Citi employees the account transfer was approved. and i have been sent a " sucessful '' confirmation email. All levels of account information have been given and approved. In each case, the following day, I have been sent an email by Citi saying my transfer was " Cancelled ''. No reason given. All account information ( routing, account # ) was checked and was found to be accurate. Today ( the third day ) I spoke to a representative at the given phone number who could not give me a reason why this had happened. I asked to speak to another representative ( nicely! ) and was put on hold ( a recording ) for XXXX minutes and then hung up on automatically. The " Confirmation of Transfer '' reference number is XXXX XXXX XXXX XXXX. My money has been held XXXX now for over a week with absolutely no recourse and no branches for over XXXX miles and I am XXXX XXXX XXXX. Can you help me free my funds? thank you " ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2022 {$160.00} was withdrawn from my company account with a description " PAYMENT LENDINGPOINT LLC XXXX XXXX XXXX ACH DEBIT ''. This was not an authorized charge on my account and I reached out to the company Lending Point who withdrew the money from my account and after a long conversation the man on the phone told me that there was no way for him to refund the money to my account and the best he could do was reach out to his accounting department to try and have them figure out if it was a typo or if they were given the wrong account number. This is absolutely ridiculous and they should not be withdrawing money from accounts without verification that the name on the account matches the name on the loan. Withdrawing money from the wrong account is fraud and they did not seem concerned at all that whoever had given them my account number had also participated in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I disputed a number of inquiries that is on my Experian credit profile. These inquiries were not obtained by any company that I gave permission to check my credit report to. I did not authorize any third-party company to give my information to these companies to request a credit report or a viewing of my credit portfolio. Nevertheless experience came back with a blanket answer stating that they had factual proof that these companies were allowed to obtain my report. Experian did no such investigation only gave a blank an answer to a problem rather than addressing the potential identity fraud that couldve occurred. Their response furthers in my opinion a reason for a more intense investigation into their practices. You cant simply allow someone to obtain a credit report illegally and then give a blanket excuse of it couldve been a third-party company and not even investigate it. It makes me think Experian knowingly sold my information to companies without my permission. Its actually the only thing that makes sense since they dont even wan na look into it and correct the fraudulent viewing of my credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report.

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
Equifax reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

Equifax also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXXXXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and XXXX days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I was approved for a loan modification plan on XX/XX/2021, as long as I was to make the 3 necessary plan payments, which I have done. Now they are trying to begin a new modification payment plan with no indication to me as to why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I pulled my credit and noticed that there were 4 different accounts that I'm not aware of. My accounts were hacked and my information was used to open these accounts. I have been trying to dispute for a while now and now its on my credit. This is hindering me from moving forward in life and decreased my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I acquired title to property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This property is encumbered by a first mortgage in the amount of {$100000.00} assigned to XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Since XX/XX/XXXX, I have contacted via email said bank to obtain account information in order to make payments. On the same date, XXXX XXXX, Property Account Compliance Administrator of XXXX XXXXXXXX  told me that we should contact PHH Mortgage, servicer on this loan. Since that date, we have spoken and written to PHH Mortgage Corporation in countless occasions asking for the account information to no avail. Florida Statute 701.04 provides that a record title owner of a property shall be given this information and even after obtaining a third party written authorization by previous owner and original mortgage debtor, which was sent to PHH, to this day, more than two years after my initial request, the mortgage lender won't provide the information on the account to me, the title holder. 
By not providing the detailed information to which as title holder I'm entitled according to the preceding statute, I'm not only being prevented of the sale of the property, but also being harmed by unnecessarily increased charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus XXXX, XXXX and Transunion have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

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

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  along with the three Credit Bureaus XXXX, Experian and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

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

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received an email from Bank of America that a new credit card was approved and mailed to my address. Also received an email from the United States XXXX XXXX that someone had submitted a change of address for me. I have contacted both places and reported this as fraudulent. I was advised by the bank to file a report here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We are responding to the concerns about the XXXX XXXX XXXXXXXX XXXX  ( XXXX ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding funds you received from XXXX member, XXXX XXXX, before she passed away and that you deposited to your Wells Fargo account. Our records show that checks in the amounts of {$50000.00} and {$20000.00} were made payable to you from a XXXX XXXX account belonging to XXXX XXXX. As you are not an accountholder, we can not release any information to you about the account. However, we can inform you that XXXX XXXX did pay the checks, and the funds are with Wells Fargo. XXXX XXXX did not reverse the two checks from your Wells Fargo account. There is no further information XXXX XXXX can provide you, and we suggest that you speak with Wells Fargo. Thank you for the opportunity to review this matter and respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
Lincoln automotive financial was paid on auto pay by XXXX in Ohio. In XXXX they sent me a letter stating theres no monies owed on this account. The car was turned back in at the end of the lease in XXXX, and then XXXX I received a check for an overpayment of {$650.00} from Lincoln financial Automotive. I then come to find out that they had filed suit for money owed in XXXX foXXXX XXXX XXXX  dollars. I was unaware of this until XXXX of this year when I had a application for a credit card denied because of this bill owed. Ive sent all the information to XXXX and Lincoln financial and two collections agencies to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
I saw XXXX XXXX XXXX on my credit report as a recently opened account. I do not know the company and never applied for a credit card. I have reported in the past identity theft and believe this is linked to the problem. 

When I try to call the company I am routed to voice mail and told to either leave a message or request a call back. I have not received a call back from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money and it's already been XXXX months since this episode. 

This was without previous notice, without infringing any law, and without a cause nor explanation. They just decided I can't take my money out of the site as I did in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options are the same, just an automatic helpless response and they closed every single of my complaints without an explanation or response. 
Case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX Withholding my money in this way is not only arbitrary but illegal and entirely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights. And not only do I want my money back but I also want the corresponding economic compensation and adequate compensation for the problems caused by this illegal decision.

Company response to consumer: Closed with explanation