vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted all three credit bureaus to dispute a collection stating that the debt was not valid from XXXX XXXX services ( they filed it this month but the original account was in 2016, they also state that the debt was for {$740.00} ) I also contacted the original creator who also confirmed my claim by saying no record exists of any outstanding amount from a previous account of that amount! XXXX did their investigation and found my information to be correct and removed the discrepancy from my credit record but Equifax did not, they claimed that it was verified but not by the original creditor ( XXXX Bank ) instead they never cross-referenced the information with the original creditor, and the collection agency to insure that the information they were reporting as delinquent was correct! My complaint is this : The credit reporting agencies play a big role in the viability of a person 's life and they should do the task of an investigation wholeheartedly and always as complete and thorough as possible when short-cuts are taken the impact on a consumer could be severe and unmitigated! Equifax claims this is how they do disputes they do not check the information with the original creditor just the current reporting entity which is a disservice to anyone who files a dispute against a second or third party! They must do a complete and thorough investigation regarding all viable parties to ascertain the viability of all such claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
Country place Mortgage provided documents to the CFPB and I compared them with what the title company has. Please explain to me why my husband and my signatures are all different and different check marks are checked? 

We have no idea what true what we paid for or anything for what our loan cost are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had applied for a new credit card and XXXX XXXX dropped XXXX points, XXXX XXXX points and Experian XXXX points. Then I had 3 hard inquiries removed and my score stayed the same. Experian is infamous for over deducting points and not adding points when something negative is removed. I called there horrible customer service in the XXXX where they are extremely unknowable. If you ask a question about something valid they put you on held then disconnect you on purpose. It happened 4 times in a row. When I finally spoke to someone who actually answered my questions, they told me your score should have increased but its all automated so we have no control over it. Either she was incorrect or the automation is severely flawed and neither is acceptable.

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
For a year I have mobile deposited my payroll check into my Chime account and its always available end of same business day. Thursday the XXXX when I deposit, they put a 9 day hold on it and send me some email about waiting for it to clear so to make sure it doesn't bounce. I spoke with customer service, the lady said the check has been accepted and funds have been transferred she doesn't know why the hold is there, so I ask for it to be escalated to a manager. The manager tells me nothing can be done and even laughs when I tell her this is fraud and theft, I'm a working class man living paycheck to paycheck and a 9 day hold means I won't have gas for work next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made an online pruchase for XXXX XXXX XXXX XXXX for XXXX at website XXXX XXXX XXXXXXXX I have the email thanking me for purchase that I did via Paypal. Somehow when I did this transaction it did as family and friends transfer and not business transaction. I have no idea how that happened, I've been using paypal for online transactions and this is the first time this happened. Anyhow the money transfer for XXXX USD to XXXX XXXX transaction ID XXXX recipient XXXX XXXX email XXXX for XXXX and fee of XXXX from paypal I believe it was a foreign exchange not sure. I tried contacting XXXX to get information on delivery of product and never heard back. This was on XX/XX/XXXX. I entered a dispute with pay PayPal " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$89.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Commuications are being hijacked. Receiving fraudulent mail pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Commuications are being hijacked. Receiving fraudulent mail pieces.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint with the New York State Attorney General and speaking to a lawyer because Comenity Bank system has been down going on three months I along with hundreds of others can not make a payment through their website through easy pay or with customer service however they refuse to take responsibility and instead are reporting me as delinquent to the credit reporting agencies as well as having pulled a hard inquiry without my permission which they stated it was an error and would be removed which it has not. I have attached a video of me clicking on a link from an email sent to me by comenity in order to pay my bill which is a broken link. This has been sent to me numerous times and I have only been able to contact comenity through XXXXXXXX XXXX and have let them known about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: PA

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

The companies listed below 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount {$300.00} Balance date Account designator code Individual account Account number XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Amount {$560.00} Account designator code Individual account Account number XXXX XXXX  XXXX. XXXX XXXX Date opened XX/XX/XXXX Amount {$590.00} Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX. XXXXXXXX XXXX  Date opened XX/XX/XXXX Amount {$620.00} Status date XX/XX/XXXX Account designator code Individual account Account number 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
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX has XXXX their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXX 's return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. I sent in information showing XXXX 's policy is to send me a return label. THey never sent XXXX so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.

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 2022-08-20 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: FL

Complaint narrative:
Credit agency-XXXX XXXX XXXX XXXX XXXX XXXX Acct # /Reference # XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
1. They send me an invoice in the mail every month, after I've asked them multiple times not to send me an invoice. I turn on electronic invoices, it somehow turns itself off. They should look into why or where it's being turned off at.

2. I just tried to use my card twice, it declined. I reached out, they said, " we are requiring proof of address ''. I just moved and don't mind ; however, I was not notified about my card being shut off.

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 2022-08-20 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: TN

Complaint narrative:
Experian is in violation of the Fair Credit Reporting Act 15 USC 1681. Let me remind you of 15 USC 1681 ( a ) ( XXXX ) ( XXXX ). This company is simply parroting wrong information sent in by another company which has hurt me and my family tremendously. Your company is reporting a XXXX vehicle lease on my consumer report for this information is wrong this was a phone lease. I have applied for a car loan and place to live and have been denied due to your inaccurate reporting. Your company did not do its due diligence while affecting my livelihood. I have attached documents that you you are indeed in clear violation of 15 USC 1681 ( a ) ( XXXX ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) and 15 USC 1681n XXXX a ) ( XXXX ) ( A ). I am unable to move my kids due to this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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:
15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I purchased a prepaid XXXX XXXX card from a local convenience store on XX/XX/2022. The card was to be given to my son to be for school purchases. This was a variable load Visa card and I chose to load {$500.00} to it. The card did not activate properly and when I check its balance there is none. I have contacted Incomm at least 5 times as XXXX XXXX to fix my card but I keep getting the run around and told to wait XXXX hours and call back. Upon my first contact they requested pictures of the gift card front and back, a copy of the purchase receipt and a copy of my ID, all of which were provided on XX/XX/XXXX. I am out {$500.00} as of XX/XX/XXXX and have not received a working XXXX XXXX XXXX nor a refund. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I took out XXXX loan with Sallie Mae, back in XX/XX/XXXX for the XXXX XXXX XXXX XXXX  at XXXX. Fortunately, I paid off that loan, and received a letter from Sallie Mae that the loan has been paid off, on XX/XX/XXXX. However, I recently started receiving calls from Sallie Mae that I owed money to them. When XXXX initial started reaching out this year, I was struggling with my XXXX and was receiving XXXX health services from the XXXX XXXX. Now, that I'm back on my feet. I looked into the details with my account with Sallie Mae. That's when I noticed Sallie Mae added someone else 's loan for the XXXX XXXX XXXX XXXX at XXXX XXXX to my account. Additionally, I have never even attended that university. Sallie Mae added someone else loan to my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-20 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-20 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation