vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Nevada XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information and Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute the accuracy of certain information contained in my credit report and address unauthorized inquiries that have appeared on my credit history. After reviewing a copy of my credit report, I have identified several discrepancies that require your immediate attention. 

The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Previous Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX I kindly request that you promptly investigate these errors and take necessary action to rectify the information in accordance with the Fair Credit Reporting Act ( FCRA ). Please ensure that my credit report reflects accurate and up-to-date personal information to prevent any further complications or misrepresentations. 

Furthermore, I would like to address the unauthorized inquiries made on my credit report : Unauthorized Inquiry : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize or provide consent for these inquiries to be made, and I insist that they be promptly removed from my credit report. Unauthorized inquiries can negatively impact my creditworthiness, and it is essential that my credit history accurately reflects only authorized activities. 

In accordance with the FCRA, I kindly request that you thoroughly investigate these matters, rectify the inaccuracies, and remove the unauthorized inquiries from my credit report within the legally mandated timeframe. Additionally, I request that you provide me with a written confirmation of the corrections made. 

Please consider this letter as an official dispute under the provisions of the FCRA. As per my rights under the FCRA, I also request a free copy of my updated credit report after the necessary corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the urgency and accuracy it demands. Should you require any further information or supporting documentation, please do not hesitate to contact me using the provided contact information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I won my dispute with Bank of America and my money was never added to my account

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 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I initiated a Bank Transfer of {$75000.00} from my XXXX XXXX XXXXXXXX checking account into an Ally Bank CD account on XXXX XXXX XXXX 
This transfer was initiated from my Ally Bank account. 
The transfer completed on XXXX  with a status of delivered ( indicating the money was successfully transferred ). 
My XXXX XXXX XXXXXXXX checking account indicated the money was withdrawn on XXXX 
The {$75000.00} never showed in any of my Ally Bank accounts ( checking, savings, CD ). 
I contacted Ally back on three seperate occasions. The first was via a secure message via the Ally Bank website. The other two times I called them.

Their initial response was that the Bank Transfer failed since the CD account I was trying to transfer money into was already funded and I needed to contact XXXX XXXX XXXXXXXX and dispute the transaction. I contacted XXXX XXXX XXXXXXXX on XXXXwo seperate occasions. Each time, XXXX XXXX XXXX indicated the Bank Transfer was successful and that they could not reverse the transaction except in the case of fraud and that Ally bank would have to send the {$75000.00} back to XXXX XXXX  XXXX. When I talked to Ally Bank support about what XXXX XXXX XXXXXXXX told me, they said they would fix the problem in 2-3 business days. Each time Ally Bank would then call me back after 2-3 days and say that the transaction failed and I would have to dispute the transaction with Bank of XXXX XXXX So I don't have access to the {$75000.00} transferred to Ally Bank and Ally Bank and XXXX XXXX XXXXXXXX both claim they can't fix the problem.

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 2023-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  and XXXX account XXXX XXXX XXXX XXXX XXXX has violated my 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is an additional set of problems with the same servicer, Rightpath, tgat i made the previous complaint about. The default that was created by torturing the facts in the escrow account had also resulted in information im on the credit reports that is causing me serious damage and preventing me from curing a bridge loan I was forced to takeout for legal expenses. 

Another very frustrating isd e with the same company is that they refuse to answer my letters. Thay have stated quite clearly that they will only send mail to an attorney who I do not have contact with. She was retained for one task, and that was to send a qualified written request to Rightpath, because they ignored the one I sent as a civilian and not an attorney. They claim that only this attorney can request that the my communicate with me but i have no authority to do this, even though I am the one whos house they are threatening to take as a sort of blood sport : I am not aware of a law that protects their right to deny communication with me at this critical time when so much is at stake and the clock is running out. I need these two obstacles to be removed in order to recover from this bazar adventure and get back to a safe place without worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I was given a forebearance during the pandemic, the forebarance ended in XX/XX/2022. I was not offered a payment plan for the missed payment nor was I informed of when the forebarance would end. In XX/XX/2022, I received an acceleration letter requiring the amount in arrears to be paid. This was the same time that the notice to the end of forebearance was given. No other amount would be accepted. I have been unable to reach the single point of contact for the mortgage company. I have learned that the home is now up for auction in 3 weeks. BSI Financial Services. Inc. is the servicer of my loan. I was under the impression that the loan would be modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have XXXX cards with Citi and have been with them since XXXX. Over the last year they keep decreasing my credit limits even though I havent been late, havent maxed out my credit limit and usually pay more than the minimum. With them doing that it has drastically lowered my credit score and makes it look like I am over obligated. They havent given me a good answer 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 2023-05-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-18 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: PA

Complaint narrative:
I am promised accuracy on my consumer credit report by federal law. Exquifax continues to report inaccurate and fraudulent information on my consumer credit report All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it. Equifax has valid my customer rights and caused damage to my ability to extend credit due to these fraudulent accounts. Federal violations committed by Equifax are as follow 15 usc 1692j, 15 usc 1692d, and 15 usc 1692f,. 
the following account are not accurate XXXXXXXX XXXX XXXX, and XXXX XXXX was added on XX/XX/23 another attempt to have these errors corrected on my consumer reports under XXXX5 USC 1681 and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
As of XX/XX/2023, Experian has negligently deleted my XXXX XXXX XXXX XXXX credit card accou.nt and has denied all allegations to have done so. As a result this has negatively affected my credit health, being my credit history as well as credit limit has been wiped from my credit report. Account # : XXXX. 

Dispute Report # : XXXX I was told by Experian agents to reach out to my furnisher, with whom assured me my account was still open and active in their system. I have attached pictures of such deletion for reference as proof that they made a horrific error.

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 2023-05-18 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I strongly believe that this limitation was imposed in error, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. 

Firstly, I want to emphasize that I have been a loyal and active PayPal user for several years, conducting numerous transactions without any issues. It has come as a great surprise and disappointment to me to receive the notification about the permanent limitation on my account. I am confident that this is a mistake, and I kindly request you to reconsider and re-investigate my case thoroughly. 

As a responsible PayPal account holder, I have always strived to adhere to your terms of service and policies. I have conducted all my transactions in a legitimate manner, both as a buyer and a seller. I have never engaged in any fraudulent activities, nor have I violated any of the policies outlined in the PayPal user agreement. Therefore, I am confident that there has been a misunderstanding or an error in the assessment of my account activity. 

Considering the aforementioned points, I kindly request that you conduct a comprehensive review of my account history and transactions. I urge you to take into account my previous exemplary record as a PayPal user. I firmly believe that upon a thorough investigation, you will find no evidence of any policy violations on my part. 

In light of the above, I kindly request that you lift the permanent limitation on my PayPal account and restore it to its previous unrestricted state. I value the convenience and security that PayPal offers, and losing access to my account has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate with me through this email address regarding any updates or additional information required for the re-evaluation of my case. 

I appreciate your attention to this matter and hope for a prompt and fair resolution. I trust in PayPal 's commitment to ensuring a safe and reliable platform for its users, and I am confident that upon further examination, my account will be reinstated. Thank you for your time and understanding. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: NC

Complaint narrative:
I'm not able to activate my new direct express prepaid card because I was told to update form of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I called the XXXX Company to transfer my XXXX cell phone lines from XXXX to XXXX XXXX The XXXX representative informed me that each line had an activation fee of {$35.00} dollars and that the XXXX lines would add up to {$100.00} dollars. The representative also informed me that I was going to receive XXXX SIM cards and as soon as I received the XXXX cards I have to activate them to start with the contract and service. I paid the {$100.00} with my credit card but the next day on XX/XX/XXXX I called XXXX to cancel the whole deal and told them I wanted the {$100.00} back to my credit card. After canceling the agreement with XXXX XXXX, I was calling many occasions to the company XXXX  to get my money back and they always refused to do it, they told me that I could leave my money on credit for another time if I decided to subscribe with XXXX, I flatly refused and just wanted my money back but they XXXX did not want to return it. 
Due to this act of bad faith on the part of XXXX, I was forced to call the bank of the credit card and explained the situation and they raised me a dispute but did not assure me of the return of money but, on XX/XX/XXXX XXXX returned the {$100.00} to my credit card. Its been XXXX months since XXXX company gave my money and XXXX sends me a bill for {$100.00} for cell service, I called XXXX, I explained to the representative that I dont have any service with XXXX, he decided that next month it is going to reflect {$0.00} on the account and apologized for the mistake. XXXX months later, another bill arrives to my mailbox from XXXX with {$100.00} for service and {$25.00} for late payment, I call again XXXX explained the situation and the representative decides to remove the {$130.00} bill again. 
In XX/XX/XXXX I received another bill for {$130.00} dollars from the XXXX company for service and delay, I made another call to XXXX but the representative informs me that it will be a bit difficult because the account was already almost in collection and on the XXXX of XX/XX/XXXX XXXX, acting in bad faith, registered and informed the credit companies that I owed them {$160.00} dollars, being a lie to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my credit report and I noticed there are several inconsistencies regarding the account ( XXXX XXXX XXXX XXXXXXXX ). In the balance ( HIGHEST BALANCE ) Section XXXX is reporting a highest balance of ( N/A ), XXXX is reporting a balance of ( {$470.00} ) and Experian is reporting a balance of ( N/A ). The inconsistencies on the account are not accurate, the accounts appear to be from the exact same creditor, yet all the provided data for the account is different. 
Another Discrepancy I found on the account ( XXXX XXXX XXXX XXXXXXXX ) in the ( PAYMENT HISTORY ) section, the date XX/XX/23 is listed as charge off on Experian, charge off on XXXX and there is no payment history listed or available at all on XXXX. 
Again, there are more inconsistencies on the account, and I ask that you remove this erroneous item from my credit report. 

Please thoroughly consider the evidence provided and remove the account as it is currently being reported inaccurately and in violation of the FCRA.

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 2023-05-18 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: NC

Complaint narrative:
This inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately

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 2023-05-18 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: IL

Complaint narrative:
This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just met this new girl, I love her and trust her and told about the issues am having with my banks this days and I can't even get my allowance check due to the bank issues.. and she said she can help me get it in her bank and mail it to me, I trust and believe her and I gave the lawyer her details and they mailed the check from XXXX XXXX XXXXXXXX retirement account to her {$17000.00} ... she deposit it due to her Truist bank account is new they have to release {$5500.00} first and Hold the remaining funds. Suddenly she withdraw ahead of me to withdraw all the money and I asked her to mail me the cash, she said no and she ignored me and block me too..

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 2023-05-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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