vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Ive had this card over 2 plus years with a total of XXXX credit limit. 

XXXX Goldman Sachs closed my account without writing to me prior to that. 

It states There was a failure to comply with the terms of the Customer Agreement. 

However they cant tell me which terms were failed to comply with. I been speaking to their customer care often to open us escalated cases to understand why, but I dont get a valid response for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
There are multiple accounts on my report that do not recognize

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 2022-03-22 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: NC

Complaint narrative:
There are multiple accounts on my report that do not recognize

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 2022-03-22 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: NC

Complaint narrative:
There are multiple accounts on my report that do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

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 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I opened a victoriassecret credit card on XX/XX/2021. Since the XXXX month eve of the credit card opening I have requested credit limit increases and continued to receive the same false letter response stating that since they were unable to get in contact with me they can not approve my request. No contact of any kind has ever been made. I called customer service to verify this and no one had records of the company trying to reach me. This is a horrible business practice and I would like this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Albert Corporation
State: NY

Complaint narrative:
On Monday XXXX, I submitted a transfer request of {$100.00} from my external bank to Albert Cash, the {$100.00} was debited on the XXXX It was promised to be there on the XXXX ( Why it will take 10 days is beyond me ), It was not there, and customer service has no idea? 

It seems that Albert Cash is only interested in debiting cash from my other account, without crediting me. However the behavior is quite similar to a Front Running Ponzi Scheme, which is why I want to make CFPB aware to investigate the bank asap!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NY

Complaint narrative:
Attached is the XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX requested authorizations ; verified by additionally attached CFPB XXXX XXXX XXXX SUMMARY Complaints and Responses. The XX/XX/XXXX attachment authorizes the XXXX XXXX XXXX. The XXXX XXXX XXXX is required by law to contact XXXX XXXX by emailing XXXX the following : 1. Date, time and address of the alleged debt transaction ( s ) 2. Copy of written ( contractual ) authorization of the debt transaction ( s ) 3. All billing ( s ) to health insurer XXXX 4. All XXXX payment denial ( s ) of all billings 5. Copies of all prior billings, disclosing date and method of billing ( s ) delivery to XXXX XXXX and XXXX XXXX 6. All medical records related to these transaction ( s ) 7. Name and address of all prior collectors that have been used to attempt in collecting the alleged debt ( s ). 

XXXX XXXX has never been emailed, XXXX as XX/XX/XXXX authorized. 

In response to the XX/XX/XXXX authorization XXXX XXXX XXXX in haste harmed XXXX XXXX by intentionally decreasing attached ( XX/XX/XXXX XXXX credit score ) credit score XXXX ; knowingly increasing borrowing cost. XXXX XXXX XXXX is expected to immediately confirm to CFPB and by emailing XXXX that it has notified TRANSUNION of the inaccurately of its adverse information ( attached : TRANSUNION XX/XX/XXXX credit report XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX is requested to email XXXX if XXXX and XXXX have been advised of fact in the attached TRANSUNION XX/XX/XXXX credit report XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made no adverse/negative XXXX XXXX XXXX XXXX XXXX and/or XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made any adverse/negative XXXX XXXX XXXX XXXX TransUnion, XXXX and/or 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 2022-03-22 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: NY

Complaint narrative:
Attached is the XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX requested authorizations ; verified by additionally attached CFPB XXXX XXXX XXXX SUMMARY Complaints and Responses. The XX/XX/XXXX attachment authorizes the XXXX XXXX XXXX. The XXXX XXXX XXXX is required by law to contact XXXX XXXX by emailing XXXX the following : 1. Date, time and address of the alleged debt transaction ( s ) 2. Copy of written ( contractual ) authorization of the debt transaction ( s ) 3. All billing ( s ) to health insurer XXXX 4. All XXXX payment denial ( s ) of all billings 5. Copies of all prior billings, disclosing date and method of billing ( s ) delivery to XXXX XXXX and XXXX XXXX 6. All medical records related to these transaction ( s ) 7. Name and address of all prior collectors that have been used to attempt in collecting the alleged debt ( s ). 

XXXX XXXX has never been emailed, XXXX as XX/XX/XXXX authorized. 

In response to the XX/XX/XXXX authorization XXXX XXXX XXXX in haste harmed XXXX XXXX by intentionally decreasing attached ( XX/XX/XXXX XXXX credit score ) credit score XXXX ; knowingly increasing borrowing cost. XXXX XXXX XXXX is expected to immediately confirm to CFPB and by emailing XXXX that it has notified XXXX of the inaccurately of its adverse information ( attached : XXXX XX/XX/XXXX credit report XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX is requested to email XXXX if XXXX and Equifax have been advised of fact in the attached XXXX XX/XX/XXXX credit report XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made no adverse/negative XXXX XXXX comments to Equifax and/or XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made any adverse/negative XXXX XXXX XXXX XXXX XXXX, Equifax and/or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
My car was broke into and my purse stolen, my credit cards were used in several charges, all was fixed except this one. I was not aware of it until it hit collections and I tried to refinance my house. I sent them the police report, i thought it was removed but apparently they just keep selling it to other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I sent my mortgage company my payment for XX/XX/2022 through XXXX XXXX I sent the third party because this company foreclose on me previously and I did a loan modification. They are doing the same thing again. But this time I'm sending my payments through third party so I have a witness I sent {$2100.00} through XXXX XXXX to specialize loan servicing who is the servicing company for a XXXX  XXXX XXXX I kept calling specialized loan servicing to see if the payment posted and when it didn't they kept doing a ticket but on XXXX the XXXX 2022 when I called XXXX XXXX they said that specialized loan servicing refused the payment and refunded it. Tracking number is XXXX the payment was given to my brother to send for me his name is XXXX XXXX account number is XXXX XXXX I have the receipt attached.

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 2022-03-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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 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 2022-03-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed many complaints against XXXX XXXX XXXX XXXX ( XXXX ) & Experian trying to be heard but both knows how to play a game, the CFPB, and the US government. XXXX & Experian didn't have permissible permission which I have been requesting to prove the unlawful access of my credit report in XX/XX/2017. All recent complaints were all labeled duplicate By XXXX within two minutes of each other reflecting XXXX doesn't even read the complaints.

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 2022-03-22 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: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX report serious delinquency which is incorrect XXXX Mortgage requested report Order number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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 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 2022-03-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
I purchased my home on XX/XX/2021 and was a 10 % down buyer. I've had to pay private mortgage insurance since my date of purchase as I was below the 20 % equity threshold. I called my servicer, LoanCare , LLC, in XXXX to ask for an appraisal of my property and found out this month that XXXX XXXX, who XXXX my lender, sold my loan to, refuses to lift my PMI until it's seasoned. XXXX responded that XXXX XXXX XXXX XXXX, issued on XX/XX/2021, state The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements. However, on XXXX 's website, https : XXXX, there is a clear statement that ; Other things to keep in mind about the Homeowners Protection Act Loan investors, including Fannie Mae and XXXX XXXX XXXX often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides . But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

Nowhere in my closing documents that I signed did I agree to their guidelines. Under US Code, 12 USC 4902, my lender is violating the federal law, as I read it, by preventing me from eliminating my monthly mortgage insurance and is even refusing to consider an appraisal to prove my equity has reached over 20 %. Which I believe was my right until this heinous regulation was put in place in direct opposition to the law.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
email : Thank you for using paypal for your new order purchase # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYPAL Due Date XXXX Invoice # XXXX  XXXX Thank you for using PayPal, Your account has been charged {$460.00} under auto-renewal and this charge will appear in your bank account in the next 24 hours. 
Paypal Customer Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Payment Information XXXX rate {$42000.00} XXXX Paid on : XXXX XX/XX/2022 Price Paid : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. But despite of several calling they are holding the money, which is not back yet. 
I expect {$500.00} + Interest @ 20 % should be awarded to me with refund.

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