vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MI

Complaint narrative:
In XXXX of 2019 I was called by a collection company stating I owed {$320.00} for what was a XXXX XXXX bill. I had never received a bill from XXXX stating I owed any balance, and when I received the call from the collection company they were very rude and threating on the phone. I would've paid the bill if I had received one from XXXX but I never did. When I got the call from the collection company I had asked them to prove that I was the one who owed the debt. They refused to do so, saying they did not have to prove it and that I owed it. Anyways, I paid them that same day so I wouldn't have to deal with them any longer. Now I am trying to buy a home and this paid collection is hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I used my PayPal account for a transaction of XXXX GBP ( Transaction ID : XXXX ), On XX/XX/XXXX then got a notice from PayPal requesting some documents for verification as i have almost reached my yearly limit, I uploaded documents for id and address verification and almost immediately after clicking the submit button, I got notice that my account has been limited. I believe this might have been an error with the auto security feature with PayPal, I use my PayPal account to make payments online and pay for some subscription services. I do sometimes receive payments from friends and acquaintances here and there. will be glad if PayPal can review my account to verify my humble request and restore my account. 

I tried reaching customer care but was getting auto responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of 2022, I went to Wells Fargo on XXXX XXXX in XXXX, GA ( Zip Code : XXXX ) to make a transaction and the manager, XXXX XXXX, refused to give me a receipt. On another occasion within the same month ( XX/XX/2022 ) I went back to this same Wells Fargo to withdraw {$1400.00} all in {$100.00} bills. She told me that she does not work at this bank and proceeded to walk away from me while I was talking to her. 

I reported this to the district manager, XXXX XXXX, and she did nothing about the situation. She in fact defended 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 2022-07-21 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: GA

Complaint narrative:
I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score -61 points without a change but they seem to be passive aggressively ignore my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
XXXX XXXX is being reported as inaccurate on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, Account : 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
The debit in question was paid directly to XXXX XXXX in the amount of {$730.00}. XXXX XXXX advised me that they will advise Caine & Weiner that the debit was paid in full and that they will have to remove their information from all applicable credit reporting agencies. Called Caine & Weiner on XX/XX/22 and was advised that they are not required to remove the debit from the agencies. I called back and spoke to another person and was advised that they will remove the information however they only report to the agencies on the 15th of every month and will sent info to the applicable agencies to remove the info. I called Caine and Weiner today and was advised something totally different XXXX XXXX that the cases are sent to the agencies at the end of the month. Caine & Weiner is dragging their feet and need to remove the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Applied for a XXXX membership and the XXXX employee suggested that I apply for a Citi credit card.I applied and was denied went on the Citi web site and was unable to find out why I was denied.Also was never able to reach their customer service phone line to get an answer.Later I found out that it was do a collection action which is an illegal transaction.I have filed a CFPB complaint on both the debtor and the collection agency.Filed a dispute letter with XXXX XXXX XXXX investigate the complaint and removed the collection action from 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 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank through published and non published process and procedures, has consistently not processed mailed in mortgage and other payments in a timely and professional manner. Recently I have had payments lost even though others mailed same day reached their destinations This is in order to have clients incur late payments fees and penalties which unfairly adds to company profits thereby allowing management to incur increased bonuses. 

This unfairly impacts shareholders as well. 

This client has dealt with this since Fifth Third took over my loan processing. 
There may be many others, perhaps thousands impacted by these processes. 

I request CFPB to investigate to see if this practice is an embedded company trait designed to reap unfair fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am receiving fraudulent emails DIRECTLY from XXXX. I have reported the two emails directly to XXXX and XXXX and have not received a response. I am highly concerned because they are emailing directly from the legitimate paypal email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
I have two addresses on my credit report that I do not recognize. I have never lived at these two addresses. 

They are : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I would like these addresses removed from my credit report. I have never lived at these addresses.

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 2022-07-21 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 report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.

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 2022-07-21 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: NY

Complaint narrative:
In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I went overseas with my XXXX XXXX XXXX daughter in XX/XX/2022. I called the bank and told them about my trip and not to put a block on it. Representative said that I made a note and your card will not go on block. when I arrived there, and I wanted to buy stuff for XXXX my card got declined. All i had was one bank of america credit card that I was suppose to use for making purchases on this trip. I reached out to bank of america multiple times and they put a block on my account and told me that I will need to come to the bank of america financial center in US. I was suppose to be there for a month. I had to take a loan with an interest over there and had to cut my trip short. 

when I arrived back home, I went to the bank in person and told them about the situation, they didnt do anything about it. 

recently i tired to setup autopay and they told me that they can not set up auto pay because they want the authorization again and that i never went to the bank in person what happened in XXXX. i told them I went there and that is how i am able to use my credit card and they said there is nothing they can do about it. 

I feel like they are giving me hard time and making unreasonable requests. I have an XXXX  and its hard for me to go to the bank in covid times over and over again.

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 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score XXXX points without a change but they seem to be passive aggressively ignore my disputes

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 2022-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score XXXX points without a change but they seem to be passive aggressively ignore my disputes

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 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Roadrunner Account Services, LLC
State: AR

Complaint narrative:
This is a motorcycle that my x boyfriend that didn't have the credit at the time, got his friend to put the loan in his name. Now my x boyfriend has XXXX his job and couldn't make the payments and I don't know how they got my business phone number but they won't stop harassing me over this. EVERY SINGLE DAY! When I've had nothing to do with this my name is not on this loan. I want them to leave me alone. Even if I block them they call from a different phone number. I don't need them calling my business phone line. Please make them stop

Company response to consumer: Closed with explanation