vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX XXXX and Equifax ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, Ive just discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My loan has been interest only plus desired principal for years and suddenly the required payment ballooned up years after the original XXXX had passed without a letter or any kind of warning other than the billing statement from about {$1200.00} to $ XXXX. They refuse to provide an amortization statement of any kind for the remaining $ XXXX balance. 

Last month we paid {$4200.00} via check on XX/XX/22. They debited the same amount a second time on XX/XX/22 and credited that to the principal. For several previous months, we paid in advance via check and were not debited, so we did not expect to be out over {$4000.00} twice in one week. 

I contacted them for a refund of the second payment on XX/XX/22. They assured me the payment was issued XX/XX/22 although various agents aren't quite sure if it was mailed that day, the next day ( Saturday ), or Monday. 

I have called multiple times about it not being received yet and was told if I didn't have it by XX/XX/22 they would re-issue the check. Called XXXX and, surprise, they now say it can't be reissued until XX/XX/22. They also will not do it electronically, via XXXX, via XXXX, or even USPS XXXX  It can only be sent regular mail. They will not check to see if the original check was stolen from the mail and cashed. I get a new runaround every time I call. If you try to get a supervisor, no one is ever available.

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 2022-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Had a Auto loan with Santander. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that Santander charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with Santander on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to update my account information. 
XXXX XXXX XXXX-paid in full -XXXX XXXX Account XXXX  paid in XXXX accounts -XXXX  paid in full XXXX XXXX XXXX XXXX paid on Time This company has penalized me by keeping my accounts updated and paying them on time.

My credit score dropped when I
paid off several of my credit cards 2 months ago. But I notice my husband score when up> This company has many breaches regarding my credit report and fail to stop giving out information to companies that I have not done business with after I filed identity theft reports. They have let other people use my information to get credit ( apartment ). 
I do believe this company 's inaccurate or incomplete has hurt my changes on getting a job. This company has been reporting derogatory and inaccurate statements and information about my credit but refuses to update my information as well. 
Despite my efforts of sending letters to this company they refuse to up date my credit information and keep providing me with a lower credit score-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc.
State: TX

Complaint narrative:
I went to Conns on XX/XX/2021 my boyfriend and I were greeted by XXXX I then showed him a BEDROOM SET ( keyword set ) that I wanted. He told my boyfriend and I to sit on some massage chairs and I told him that I wanted to pay upfront. He insisted that we finance because we just moved out here and itll save us money, so us being naive we listened. We filed out everything and after the paper work was finished I asked if he had made sure he got the correct bed set and if he had my dressers on there and I informed him that I didnt want two nightstands that I only wanted one. He told me that he got all that and that Ill revive my dressers after I make a couple payments so we set up a delivery date for the bed and I went home. On XX/XX/2021 I contacted Conns because I havent received my dressers and they told me they had no knowledge of me supposed to be getting the dressers. So I told them the story and they said sorry there wasnt anything they could do about it so Im stuck paying a loan for a XXXX bed. I would of never got just a XXXX bed Ive been mislead and tricked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXXXXXX  I went to send my husband {$20.00} on PayPal when I noticed the email was changed, so I called PayPal and explained to them that wasn't my email and they said no problem and that they would fix it. on XXXX XXXX, XXXX, between XXXX am and XXXX am, I heard a ping on my phone saying I had a transaction of XXXX dollars. Simultaneously, I had gotten another message saying that I authorized {$500.00} and then right after that I got yet another message saying that I authorized a transaction of {$3200.00}. Within a minute all of my money was gone, I called PayPal straight away and it said we had XXXX cent balance. From there we opened a claim and they said not to worry, they would fix it. Me and my husband noticed after the first ruling we saw that there was bank in XXXX that was attached to the account ( XXXX XXXX  ) and someone else 's name and phone number. We had to enlighten PayPal that there was a different name, number and email attached. There were also clearly two different IP addresses, mine and the person who stole my money. I live in XXXX and have never been to XXXX I never even attached a bank with my account. On XXXX XXXX XXXX they also told us that a computer handles these issues, not an actual person. From there, they escalated it again and told us that a human would be looking at it. They came back and they did not find any unauthorized activity in the account yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX 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 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2022, my daughter and I were corresponding with an individual via XXXX XXXX about purchasing a concert ticket from an individual. When the individual stated that she had a ticket for purchase we asked her to send a screenshot of the purchase confirmation so we could see that she actually had a ticket to sell. We compared it to a legit email that someone else had from their purchase and everything appeared good. The individual stated that she would like the money sent with XXXX and she provided the email address associated with the account to send it to. The name was different that the XXXX name but she stated it was because she uses a relatives account. After the money was sent, she stated she was changing the name on the ticket and would email it soon. For a couple minutes after the transaction she continue to conversate stating she was changing the name through the company and she would send it over shortly. After a while, she blocked my daughter and would not respond to her. I tired to send her messages and she would not respond to myself. I reported her through XXXX as did several other individuals. I filed a police report with the local police. I contacted my bank and opened a claim. When I filed the claim, they took minimal information. They never called for any follow up, never asked for any type of documentation, nothing. I have screenshots of all the conversations, I have the police report number and everything and the bank never once contacted me or asked for anything. I received a letter in the mail stating it was an authorized transaction and they would not be refunding me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
received XXXX dollar bonus offer bank confirms i am entitled to offer but their rewards center cant find my transactions bank has been no help and gives different reasons each time i call

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 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been disputing this account for years now with Portfolio Recovery. Each and every time that I ask for validation they show me a bill/statement. I reported them to the XXXX XXXX XXXX few days later this account was removed from my XXXX file. No one contacted me or anything all I know it was remove from XXXX. Then recently, I received a notification that there was a new collection added and when I looked it was portfolio recovery. This company has been in violation for years anytime I asked for validation by law they are supposed to remove it from my credit file while investigations are going on. They have never done that. When they respond they respond with a bill. Then they claim that I had a original contract with XXXX  XXXX. I am demanding to see the contract between me and the ORIGINAL CREDITOR OR PORTFOLIO RECOVERY BEARING MY SIGNATURE. A statement, a bill is not an original contract.. please show me my signature that you claim I signed obligating me to this debt. I am entitled as a federal protected consumer. I also have the right to privacy under law. I also never gave you written instructions to report on my credit report. In addition, please show me where I gave Portfolio Recovery WRITTEN INSTRUCTIONS. IF YOU CANT PROVIDE ANYTHING I ASK FOR YOU HAVE TO REMOVE THIS FROM MY CREDIT FILE AND CEASE COLLECTION AND LETTER STATING THAT I DONT OWE THIS COMPANY ANYTHING. I have been responding since your initial communication but you have not given me what I asked for. A bill does not prove my ownership/obligation to a debt. Also, PRA deleted this tradeline and then put it back. NEW YORK STATE HAS UPDATED LAW WITH DEBT COLLECTION PRACTICES. PROVIDE CONTRACT WITH MY ORIGINAL SIGNATURE. PLEASE PROVIDE THROUGH THE CFPB PORTAL PROOF OF THAT CONTRACT AND APPLICATION IF YOU CANT PROVIDE DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have not adhered to the following laws, Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Complaint against PHH Mortgage Corp. and Ocwen Loan Servicing , LLC Dear CFPB, On XX/XX/2022 XXXX XXXX, who is Ocwens employee located in XXXX, acting as Consumer Account Analyst for PHH Mortgage Corp. sent me a letter about dispute regarding a mortgage account related to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX IL XXXX, Case number XXXX, which also has a regulatory case ID XXXX. 

The letter has a statement that PHH is a debt collector and apparently wants to collect from me a mortgage debt. However, I don't see any statements as required under FDCPA re disputes. 

I demand PHH Mortgage to send me a copy of the Mortgage and Promissory Note which they mentioned as a basis for my dispute and a copy of the Regulatory Case with the Office of Consumer Ombudsman ( please provide the full address for the Ombudsman and their direct contact information since the number XXXX appears as a fake number )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: NV

Complaint narrative:
On XX/XX/2022 Credit Karma Money, powered by XXXX XXXX, Member FDIC sent an email stating that my account would be closed. They are in violation of the Unfair, Deceptive, or Abusive Acts or Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX 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 2022-08-01 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 act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX 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 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: INTERNATIONAL BANCSHARES CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX of 2022, I had done XXXX transactions. The amount was {$21.00} through XXXX. The others were {$21.00} through XXXX XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. 

The reason there is XXXX transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank - International Bank of Commerce. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to IBC and they gave me temporary credit. 

Now, over the weekend, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. It is currently XX/XX/2022 at the time of me typing this out. I called IBC and asked why they would do this because I still don't have the items and the seller still disappeared. I can't even get a hold of them. They then said that the situation was out of their hands and I would have to contact local law enforcement. 

I contacted local law enforcement and they looked at me very confused. They actually told me there was nothing they can do because it was through XXXX XXXX. Essentially, I am now out of the total amount of {$65.00}. I am very mad that I was not prot

ected AT ALL by IBC Bank and I am demanding my money back. Now that I know IB
C Bank does NOT care about your money or the consumer, I will be closing the account soon once this matter gets resolved. DO NOT bank with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
A certified letter was sent to Transfinancial Companies on XXXXXXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts & Violation of HIPPA. Transfinancial Companies has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attatched document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: NJ

Complaint narrative:
Someone opened up a checking account in my name using an old address of mine I received a debit card in the mail at that old address Company : XXXX XXXX  - NetSpend It looks like the account was opened within the last two weeks

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