vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: MA

Complaint narrative:
I have the right to privacy, fairness and accuracy of my consumer report. Experian has assumed a vital role in assembling and evaluating consumer credit and other information. I never gave permission to Experian to my display my non public personal information nor have an agreement with Experian. The banking system is dependent upon fair and accurate credit reporting. If my consumer report is inaccurate it could directly impair the efficiency and undermine the banking system. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to Fair Credit Reporting Act 15 U.S.C 1681b Permissible Purpose Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX ALL 12 ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX  My consumer report with Experian is inaccurate. The attached file is confirmation of inaccurate accounts removed from my XXXX consumer report.

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 2022-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This is a reply to my original complaint : XXXX ; documentation was not included. The actual loan- we were not aware that the loan was a balloon payment. My husband was an XXXX for over XXXX yrs, and he would not voluntarily choose to enter into a balloon payment. I found out the loan was a balloon payment when I took over the bills in XXXX of 2018. M & T had just sent the first letter letting us know that the payment would be coming due. We reached out to them which they do not have a record of- we went through multiple people at M & T without there offering any assistance or alternatives to help us. Each time we called it was a new person with no record of any previous calls. Hopefully, the process has improved, however, at this point, it was not helpful. Eventually, after attempting to reach an amicable solution, the loan became due. It took 3 months from the last payment- which we couldn't pay as the system locked down since the loan was due - for the loan mod to take effect. The terms raised the loan amount from XXXX to XXXX with a 7 yr term. A single-income family and the payment was double. One of the letters mentions an anomaly with the loan. This MTG was purchased from a small bank that went out of business. There is something not right here that needs to be addressed. Further, the frustration with the terms when they had our financials isn't right.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2022 I transferred {$100.00} from my chime checking account into my chime credit builder account. I then placed an online order with XXXX 's XXXX XXXX  in the total of {$73.00}. The attendant couldn't access the cage that had my item. So on Monday XX/XX/2022 I returned to XXXX XXXX XXXX XXXX  and the manager cancelled the online authorization on my card. But chime had closed my accounts upon speaking to the first representative and supervisor. I was told I'd have the funds sent to me in the form of a check. I waited a few weeks and was told by another supervisor that I'd receive the check by XX/XX/2022. I never received the check so I called chime customer service again. I spoke to another supervisor who told me he couldn't provide the tracking number and that he was emailing the department that could. He told me I'd receive an email within 2 hours of the call. I placed that call at XXXX and never received an email. So I called again Saturday and was told I should've gotten the check by the XXXX of XXXX. That supervisor told me he was going to have chime support contact me which I was never contacted. I then called again Monday morning which I also recorded the conversation with the supervisor Monday. She informed me the check hasn't even been printed. She also told me to contact chime support via email because they don't accept phone calls in that department. I emailed them and received a confirmation email. The confirmation email stated I'd be contacted about the situation within 2 hours. I never received any contact from chime. So I called again this morning and was told again the check wasn't processed and that a supervisor wasn't available. I contacted an attorney who advised me to file this complaint this afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 
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 2022-08-30 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
After I noticed an alert from my reporting agencies saying there was an inquiry from Paypal on my report I immediately called their fraud department and spoke with an agent stating I didn't apply for credit with them and when I called all 3 times each agent said they would send me a letter stating it was fraud and I never received anything back with stating I gave them permissible purpose to pull my credit. I have disputed with the credit bureaus as well and submitted my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX a first-hand competent witness to these actions. On XX/XX/2022 i brought it to the attention of Experian that the account held by XXXX XXXX XXXX XXXX XXXX was in dispute and that it should be removed from my credit report. Experian continues to cause substantial injury to my person by keeping false and inaccurate information reporting to my credit report causing further harm to my reputation as a protected party under the Fair Credit Reporting Act. Experian 's behavior continues to be abusive, and it has already begun taking its toll on me mentally. 

Experian has reported back to me alleging that the account has been verified and that it has further been updated and that it couldn't be removed. Experian has only one duty and that's to report fairly and accurately and they have failed at doing that. furthermore, Pursuant to 15 USC 1681i, i am demanding a full reinvestigation over the completeness or accuracy of the information contained in my consumer file. Experian has a Duty to me and i expect them to perform the way they are required to perform on behalf of the consumer and the banking system. 

should Experian 's behavior reflect anything other than their duties under the FCRA, this is my formal notice that i intend to file suit against Experian and all its corporate affiliates and be granted what i am entitled to as a protected consumer under the Fair Credit Reporting Act as well as criminally under title 18 for making false statements and interfering in commerce. I may seek to be rewarded the amounts of the account that has been fraudulently reporting from the day it was first furnished along with any damages that have resulted from the harm that has been caused over the years from your illegal reporting. 

This is an official notice. 

You have 5 days to respond.

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CoinZoom, Inc.
State: CA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinzoom 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Coinzoom which is regulated. Coinzoom customer service is not responding properly. They are not sensitive to resolving the customer issues like this. Being financial institutes, they are more capable of tracking the transactions and retrieving the money and returning it to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
Consent and privacy laws Equifax is violating I never gave them written permission and I've been getting denials for loans I'm aware that I am a consumer and a natural living being I've been denied about all the loans that I put in and this is hurting me purse this is hurting me because of the XXXX I have an eviction coming up this is because of Equifax for giving people information that I never gave them written permission to give my information 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services , LLC ( Carrington ) is in violation of Regulation Xs loss mitigation procedures by failing to implement an FHA Covid-19 Advanced Loan Modification agreement accepted by the borrower prior to the transfer of servicing to Carrington. 

For more information, please see attached letter and supportive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is contacting me daily and reporting on my credit report negative information and incorrect balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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:
As of today, I am in receipt of the letter sent to me on XX/XX/2022. File number XXXX which by the way, I had to get my XXXX speaking neighbor to translate for me. Because I do not speak the language The correspondence stating that the disputed accounts have been verified is unresponsive to the complaint that I submitted with the CFPB on XX/XX/2022, complaint # XXXX. 
this company is once again using one of their XXXX tactics to stall and intimidate. In order to avoid sending me the documents that I specifically requested. 
In my former complaint to the CFPB, I stated that I requested proof of my consent, in regards to the following accounts ; XXXX XXXX XXXX partial acct # XXXX XXXX XXXX ; Partial acct # XXXX. 
15 U.S.C 6802- Obligations with respect to disclosure of personal information ( B ) The consumer is given the opportunity, before the time the such information is initially disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Account Closed on credit report of Jared The Jewelers. Acccount reporting negative information on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Received fake bill for XXXX charges that were not made, were never mailed, and XXXX states that the referenced account never existed and is fraudulent.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have been a cardmember of American Express for 26 years. I noticed my minimum payment getting higher and higher and I was barely using the card. I started reviewing my statements and realized not only was the APR going up on new purchases, but purchases from way back in the past. I had no idea that they could raise rates, except on new purchases. Now I can not afford to pay this and every payment I make is not making a dent in the exorbitant rate ( at one point it was 12 %.. then it became 16 %.. then 20 % .. now the rate for past purchases is 22 % and the APR for purchase is around 26 %. I never miss payments so this isn't a penalty. 

I contact American Express and the best they could do is lower APR by a point .. which is still making me unable to pay my bill. It seems like I am totally at their mercy to charge whatever they want, whenever they want. And I am never late on any payment so I have no idea why I am getting penalized this way. 

I do not recall this ever happening and I do not recall seeing any communication on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
on XX/XX/XXXX I got a notification that on XX/XX/2022 there was a hard inquiry on my credit report from TD bank/Target. I did not apply for any credit card. I am concerned this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am an XXXX XXXX without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, 2022 ) through which I gave them my address, name, date of birth and SSN. Then I contacted XXXX, Experian and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, 2022 ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, 2022 ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XXXX XXXX, 2022 ) from Experian and XXXX stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been unable to get my weekly free credit report online as afforded to me by law. I've asked Equifax to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you

Company response to consumer: Closed with explanation