vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: FL

Complaint narrative:
I was contacted by XXXX XXXX who offered trading services as an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX is not regulated in USA where I live. I now understand that XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. this fraudulent company opened the bank accounts with East West Bank here in the USA. The beneficiaries were XXXX XXXX and XXXX XXXX. who received the monies that I sent from my bank ( XXXX XXXX ). I was also a victim of East-West Bank because they should never have engaged with XXXX XXXX. If they had done proper due diligence with their client, obtained KYC documents and followed anti-money laundering laws, East West Bank would have realized they were a scam. I would say it is likely East West Bank knew they were a scam and engaged with them simply for their own monetary gain at the expense of victims like me. My attorney has sent a letter to East West Bank ( see attached ), detailing all of the above and more, to which they gave a very unhelpful response ( see attached ). I want East West Bank to either retrieve my monies from their client XXXX XXXX or in the alternative, to reimburse me for my painful loss of {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
American Credit Acceptance - received a payoff for {$41000.00} good through XX/XX/XXXX per payoff quote from XXXX XXXX XXXX. Per XXXX  tracking payoff was received on XX/XX/XXXX.Payoff applied to my account on XXXX showed {$0.00} balance paid in full. On XX/XX/XXXX American Credit Acceptance received my gap refund which is owed in full to me but instead the reversed the payoff on XX/XX/XXXX and reapplied tacking on interest. I was alerted to this because my credit reporting showed a balance of {$67.00} which was not accurate as the loan was paid in full. They sent me a check for {$500.00}. They then cleared off the {$67.00} balance that was not owed to them, no showing {$0.00} balance again the next day. But they have failed to refund me {$67.00}. The initial Gap refund was {$570.00}. Since XX/XX/XXXX I have contacted this company multiple times via chat and calls and they claim someone is working on it. I have exhausted the attempts as there has been no resolution. They do not call or communicate via mail to provide a status. This should not be hard to refund money owed when all evidence shows they reversed the payoff 3 weeks later in order to scam there way in tacking on extra interest to the loan. Also to note during my loan with this company prior I had an issue with them applying my principal only payments to interest, confronted them over the phone and transfers multiple times and they claimed I could not make principal only payments. This company is a scam, if my account is paid ahead and current principal payments are allowed which finally they corrected that issue prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with 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 2021-02-07 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: MS

Complaint narrative:
How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with 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 2021-02-07 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Attached I have responded to the " American Express Fraud Operations '' regarding correspondence sent XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/20 I made a deposit of XXXX XXXX XXXX. I was give a receipt that totals XXXX. In the next few day I told the manager he said they would look in to it. After a few more days I returned to speak with the manager he instructed me to file a police report which I did. After waiting and hearing nothing I contacted the police and was told they couldn't help me. I send a registered letter to the bank and was told they couldn't help me I asked to see video tapes and they refused. My bank is Old National Bank in XXXX Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Ive tried calling all three of the credit bureaus to update and correct my personal information only to get nowhere. It just feels like they do not care about the people anymore or care to help.

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 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Ive tried calling all three of the credit bureaus to update and correct my personal information only to get nowhere. It just feels like they do not care about the people anymore or care to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Had my unemployment backpay sent to this account. After waiting 180 days, they refrozen my account and made it where I can not log into my account. Prior I could not transfer my money. They now have made it to where I can not log in to see my funds or speak to anyone in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I called the three credit bureaus to try to update and remove old personal information on my account only to get nowhere. It seem like a hassle nowadays to get any help from them.

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 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I called the three credit bureaus to try to update and remove old personal information on my account only to get nowhere. It seem like a hassle nowadays to get any help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I again tried to make a payment on XXXX to Fay Servicing via XXXX at XXXX and again was not allowed to do so. Fay Servicing stated they had corrected this problem and that I could now begin to make payments even now while I am still on the Pandemic Forbearance. Making payments now will reduce the amount due at the end of the Pandemic Forbearance that was originally granted by the previous servicer prior to this account being transferred to Fay Servicing. Ref previous complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
There were 2 credit inquiries on XXXX XXXX, 2021 by Ally Financial and XXXX XXXX XXXX regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my XXXX XXXX on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX. I also enabled temporary credit fraud alert on 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 2021-02-07 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: Westlake Services, LLC
State: WA

Complaint narrative:
There were 2 credit inquiries on XXXX XXXX, 2021 by XXXX XXXX and XXXXWestlake Financial Services regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my credit score on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX I also enabled temporary credit fraud alert on 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 2021-02-07 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX After receiving two postcard notifications from Transunion station my proof of address was unacceptable and not being able to obtain a free copy of my credit report online I called Transunion. After verifying my identity I was informed that I would not be allowed to view my account until after XX/XX/XXXX. The explanation was that i would not be allowed to view my report until after my dispute was settled on that date. I asked did I need to send in documents requested via the postcards to verify my address or identity and she said " no. '' My issue is this : I filed several disputes via certified mail and was not allowed to check my credit report to see if Transunion was reporting my disputes on my credit report. To date I have not received any feedback on the status of any of my disputes. Upon receiving my credit report today, they have not settled my dispute to update any of my personal information requested on XX/XX/XXXX received by Transunion on XX/XX/XXXX. Their delay in allowing me access to my credit report violated my rights as a consumer and there was no resolving this with Transunion. They said what they said and did not allow me access until they were ready.

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 2021-02-07 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:
i reviewed my credit and seen these 3 accounts on my credit report that do not belong to me so i added a fraud alert and filed a FTC report and a identity theft victims complaint and affidavit so i can have these fraudulent accounts removed.

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 2021-02-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( 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 2021-02-07 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: NJ

Complaint narrative:
this is in reference to recently closed complaint # XXXX. Transunion is in willful and negligent behavior. The complaint I sent in was for you to rectify your violations. You state you are reaching out to the to the data furnishers again. THIS WAS DON PREVIOUSLY AND THE RESULTS WERE THE ITEMS WERE FRAUDULENT AND BASE OFF THE DOCUMENTS I PROVIDED AND THESE ACCOUNTS WERE DELETED. TRANSUNION LET THE ACCOUNTS SHOW BACK UP UNDER A DIFFERENT CLASSIFICATION AS IF THIS IS SOMEHOW A DIFFERENT ACCOUNT. SO TRANSUNION LET A PREVIOUSLY DELETED ACCOUNT SHOW BACK UP WITHOUT NOTIFYING ME. THAT IS A VIOLATION THAT CAN BE EASILY PROVEN IN COURT ALONG WITH ALL THE OTHER DEFAMATION AND LIBEL CLAIMS. OBVIOUSLY TRANS UNION DID NOT LOOK AT THE DOCUMENTS SUBMITTED SHOW A PREVIOUS INVESTIGATION AND THE DELETION RESULTS. THIS IS TRANSUNION LAST TIME TO GO OVER THE SUBMITTED DOCUMENTS, THE COMPANY 'S REGISTERED AGENT BEEN NOTIFIED OF PENDING LAWSUIT. WITHOUT IMMEDIATE DELETION, LITIGATION WILL PROCEED. SO AGAIN MY CFPB COMPLAINT READS AS FOLLOWS My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XXXX XXXX, 2020, then again a second time via Certified Mail # XXXX signed and delivered on XXXX/XXXX/2020. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent has been served with a notice of Legal Process.

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 2021-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation