vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I allowed myself to believe the Paypal person who called me after my first complaint with consumer financial protection bureau when I was thanked for bringing a bad merchant - that had used PayPal as a shield to an ambush marketing program ( one where you have to cancel before the trial period ends or they will charge you the next month 's subscription amount ). 
Anyway PayPal concurred that I was due the credit for this but because I had also tried to charge back with XXXX XXXX XXXX, that they were just waiting to hear that they were not honoring my charge back request ( XXXX XXXX  had issued a temporary credit but then reversed on XX/XX/XXXX ). The gentleman from PayPal said if they had not heard back from 'XXXX XXXX by XX/XX/XXXX, they would issue the credit. Well it's the XXXX of XXXX and still no credit- this has been going on now for 6 months!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 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: LCI Acquisition Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a flight through XXXX XXXX. I used a XXXX account and the Citizen 's bank Debit card attached to it. The price was XXXX XXXX dollars. 

The amount was quickly withdrawn from my Citizen 's bank checking account. Simultaneously, a hold for an additional XXXX dollars was placed on my account, for a total of XXXX for my purchase for half that amount. 

I have called citizens, paypal, and the airline. Three times each. Each blamed the other in turn. I was told this is normal practice, and the hold will resolve on XXXX. In the meantime, my checking account is missing XXXX dollars that I can not access to pay my bills or make any purchases. 

I find it completely unacceptable that a company can withhold my money for double the amount. None of them can tell me even which is responsible for it. I was told if I dispute the hold I may lose my flights. So I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX -- - ; I received a letter from XXXX stating effective XX/XX/XXXX ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. I have disputed this item several times with Experian with no corrective results. ( I have attached copy of the letter stating effective XX/XX/XXXX ALL of my student loans have been forgiven. I previously provided Experian with a letter dated XX/XX/XXXX advising these student loans would be forgiven in XX/XX/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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: PA

Complaint narrative:
****Discover case # XXXX Opened a credit card with Discover and initiated a balance transfer in the amount of {$1300.00} under a promotional offer of 18mos 0 % int on balance transfers. 

Discover sent the check to XXXX XXXX ( That is the name printed on the front of my card ) however the check was rejected because XXXX only accepts checks made out specifically to XXXX, XXXX. Notified Discover that the check was rejected and that the check was mailed back to me at my home address. I am in possession of the {$1300.00} check issued by Discover proving that it was never cashed. I offered to send the check to Discover and they said it wasn't necessary however they still posted the {$1300.00} balance to my card. I now have the same {$1300.00} on my XXXX card AND my Discover card. I do not understand how Discover can post a balance to my account for a balance transfer when the balance transfer check was never cashed. It has be over 7 business days since I notified Discover of the problem. Still has not been resolved, called several times, I have also not received any updates. I does not appear that either XXXX or Discover have any intentions of resolving this in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This card is a fraudulent account. I never opened a XXXX account. I never received any bills

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This Company Midland Credit Management act # XXXX has yet again Violated the CFPB guidelines by changing the reported balance on the alleged collection account. On the credit report generated on XX/XX/XXXX this account is reporting a balance of {$640.00}. On the report generated on XX/XX/XXXX this account has changed the balance to {$640.00}. This Inaccurate and a violation because it can not accurately be both and it is not possible for the balance to increase on a closed collection account, nor is it possible for an account that is considered a closed collection to obtain more charges or fees. Also this company has changed the Date Delinquency first reported to XX/XX/XXXX which is another violation. On all previous reports the Date Delinquency First Reported is XX/XX/XXXX. This company has changed the date and balance to attempt to make the account appear recent. Another discrepancy is the High Credit reported is XXXX on XXXX, which is lower than the Past due balance. The High Credit is the highest amount of credit ever used on a account. It is not possible to have a balance higher than the High Credit amount. Also the reported Highest Balance on XXXX is {$0.00}. Which is inconsistent with what this company is reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Central Mortgage Funding, LLC
State: FL

Complaint narrative:
I had worked with CENTRAL MORTGAGE FUNDING ( CMTG ) for a loan with an objective to get some cash-out about XXXX to XXXX to help save the Kitchen and Remodeling Franchise business we had. 

CMTG was able to underwrite the loan provided a Loan Estimate with {$87000.00} cash-out, and on XX/XX/2022 : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- at the time of signing the Initial Disclosure, the cash-out was XXXX. 

But on XX/XX/2022 : however the final closing disclosure ( CD ) document had a cash-out of {$8700.00} 1. On the closing signing in event at my home a settlement officer came to get the signatures for the closing document. 

2. I refused to sign the CD, the settlement officer calls the loan officer late around XXXX XXXX to tell him that I am not signing the document. 

3. The loan officer then talks to me on speaker on the same call and pleaded with me several times for almost 10 minutes and told me that I have XX/XX/2022 to cancel the loan. 

4. At this point, we obliged to sign the document. 

5. Due to significant work that week ( Thursday and Friday and weekend ) due to a deployment for migration in my job, I had hardly had sufficient time to go thru the document. But on Sunday, I decided to cancel and on XX/XX/XXXX I signed the Notice of Cancelation and duly sent to Mortgage officer by email and as well by USPS overnight. 

Loan officer again tried to convince me to take the loan, I refused then he said the funds have been already disbursed so asked to talk to the mortgage company and have the money returned back. 

I worked with mortgage company had it returned on XX/XX/2022 after several calls with the previous mortgage company. 

But what title company did was to send another wire with the exact payoff amount which the automatic system took it and closed the loan. 

Now, the second mortgage funds with bank ( an SBA loan ) was not paid until XX/XX/XXXX week because the bank got acquired by another bank and they were not aware there was a payoff for my loan. After several follow-ups, they found where the funds were and got paid in XXXX. 

The other checks are still with me as instructed by the loan officer were never cashed. 

Now, they send an email that I have signed the CD and the loan can not be reverted. 

I feel cheated and distraught as the loan had added another XXXX XXXX to my debt. I am alreayd XXXX XXXX XXXX, the only way, I can payoff this loan is to sell it as I donot have the capacity to pay {$3700.00} every month after my retirement which I am yet to decide. 

I need justice, but legally, I have no options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXXXXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name XXXX XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX I opened a auto loan with USAA Savings bank in XX/XX/XXXX the bank closed the account without notification and reopened a second loan without authorization closing the original loan. The second loan opened in XX/XX/XXXX after the first loan was closed was opened without notification or authorization. This account activity has been investigated by FCRA and USAA has been fined for such activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following accounts attached are closed paid in full with a XXXX XXXX balance. XXXX Trans union and XXXX are reporting to XXXX XXXX along with other agencies that these accounts are closed and current. 
Fico and XXXX  score service can not report an accurate score because the said above accounts are not being reported as paid. All attached account have a XXXX XXXX balance and are paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NY

Complaint narrative:
The following accounts attached are closed paid in full with a XXXX XXXX balance. Equifax XXXX XXXX and XXXX are reporting to XXXX XXXX  along with other agencies that these accounts are closed and current. 
Fico and XXXX  score service can not report an accurate score because the said above accounts are not being reported as paid. All attached account have a XXXX XXXX balance and are paid.

Company response to consumer: Closed with explanation