vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  who experienced several setbacks, family deaths, and financial hardships due to the XXXX XXXX Pandemic. I applied for assistance with the XXXX Assistance XXXX and was approved for future payments. These payments have been sent to my loan XXXX Shellpoint Mortgage Servicing but they are not promptly applying these payments to my account. 

On XX/XX/XXXX they applied the payment to my account on that day. In XXXX they received the payment on XX/XX/2022 but did not apply it until XX/XX/XXXX, XXXX. 

I was advised by the XXXX Assistance XXXX the payment was disbursed on XX/XX/XXXX and to date they have not applied it. I am not sure why they are holding on to these payments and making my account have late charges ( they did waive the ones for XXXX ) because they already have the funds. 

They told me they have to wait until the payment is late to post but this is not true because they posted the XXXX payment on XX/XX/XXXX. 

This is causing great stress when I am already dealing with physical and mental health issues. When I called in XXXX the phone representatives kept telling me they did not receive the payment but in an email they advised me they did receive on XX/XX/2022 but did not post it until XX/XX/2022. 

I was thankfully approved for 13 months future payments which will be frustratingly aggravating dealing with the servicer not promptly applying the payments to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Yes on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be late picking up my kids at the babysitter. Because I was late I had to pay my babysitter extra money for being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: NY

Complaint narrative:
{$230.00} is owed and the company handed it off to a collections agency who keeps excessively emailing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
We have a Paypal account and accompanying XXXX debit card. Paypal has unlawfully placed a hold on our account and will not release our funds. There are no disputes, no chargebacks or other anomalies with our account. We have supplied Paypal with all required information. We have been on the phone with support 6 times for many many hours. Each service representative ( including supervisors ) agrees that there should be no hold on our account, but is unable to do anything to help us.

We need a third party to step in and force Paypal to return our funds. At this point, we want to close the account and simply quit doing business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. XXXX XXXX XXXX XXXX {$480.00} 2. XXXX XXXX XXXX {$200.00} 3. XXXX XXXX XXXX XXXX XXXX = {$110.00} 4. XXXX XXXX XXXX XXXX XXXX = {$170.00} 5. XXXX XXXX = {$950.00} 6. XXXX XXXX  = {$300.00} 7. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX charged me + {$600.00} for the paint to the livingroom wall after I moved out, knowing that I have pictures for the apartment at the move out date proving there was no damage to the wall where they are claiming the damage. Also, I had a work order dated one year before I moved out regarding the bathtub and its enclosure. The paint was peeling and showing what beneath. I asked them to resurface the tile wall and the tub but they did not respond and they are now charging me for!! 
They were also about to charge me for the floor covering but I argued withem about it and I proved to them that the prior management company moved me in the unit with an old carpet and vinyl! 
2 days ago, I have disputed the balance with XXXX and sent them the pictures but they unfortunately closed the case as accurate without even looking into my case!! 
My concern is that XXXX XXXX XXXX as well as the collection agency are trying to make mass profit on tenants like me by sending these fake charges after weeks of the actual move out!! The Property manager refused to walk through the apartment with me at the move out date and she said she will inspect the unit after a couple of days then she will send me the statement!! I did not know that this is their procedure to put extra charges on the moving tenants. I'm working as a property manager too, and I know how to take care of my place. I have never been late with my bills and I care about my credit score, but when it comes to stealing my money I can't keep silent. 
I appreciate you would look into my case asap and please let me know whenever you need the proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with Transunion on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.

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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account with Synchrony bank was opened in XXXX for a promotional purchase. In XXXX I called to renegotiate the debt with Synchrony and I was placed in a COVID19 Recovery plan and part of the plan was to close the account, no late fees charges and no promotional fees and to complete and for me to continue paying the original debt. The debt contract was extended for 3 more years after maturity date of the contract and the monthly payment was negotiated to be XXXX XXXXXXXX a month. In XXXX I made multiple payments and by the statement of XX/XX/XXXX was owed approximately {$250.00} dollars. In XX/XX/XXXX I received a statement for approximately {$1600.00} and I immediate contacted Synchrony Bank and explained the situation. I was informed by a customer service in a recorded line that they noticed that account was placed in a COVID19 Recovery plan and they saw the notes from the last representative. I was informed that the incorrect amount of interest added into the account would be removed and it would show in my next statement and that I only had to pay for {$250.00} that I owed due to the verbal contract ( COVID19 Recovery program ) we agreed over the phone earlier. In XX/XX/XXXX I received the statement and the changes had not been made I called and spoke to multiple people and continue to call and speak to managers. I was told in a recorded line that no changes had been made and corrections had been made by the last representative in XX/XX/XXXX and now my account was late for {$1600.00} dollars and it was late in my credit as well. I continued to call and opened cases in my profile. I was informed that someone from Synchrony Bank will contact me to resolve the issue and someone left me a message and immediately closed the case and never resolved it or investigated. Synchrony bank has a lot of miscommunication within their bank, their customer service do not provide the correct information and omit information. Synchrony bank also has a lot of operational issue and due to their lack or inappropriate information and operational issues and their incorrect reporting to my credit, this has provided me financial hardship issues.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
my personal information was stolen and accounts were opened in my name. I am also victim of check fraud.

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 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED 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 GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-16 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: DISCOVER BANK
State: NY

Complaint narrative:
I have had a Discover Credit Card for over 5 Years. Have always made my payements on time. I recieved an email from Discover stating that my account would be going through a verification and was forwarded to sign a document to confirm my identity with the IRS. I Signed and submitted the document as requested. Discover was informed that my taxes were not filed in 2021. I informed Discover that my taxes was fraudulently filed and going through a process to handle it. Discover stated that I would have to send 3 months of bank statements and provide a notarized letter that they provided to be signed. I submited the requested documents, they then emailed me about a week later stating that I had the incorrect notary form, which was a form that was sent to me by their customer service representative and was emailed the correct form. I contacted Discover about two weeks after to get an update, they stated i would have to wait for an email that i would get after my documentation is reviewed. A month later I still recieved no email from Discover or recieved any phone call. I had to call in to learn that they only had two bank statements when I confirmed with a representative that it was recieved and that an email was sent on XX/XX/XXXX to request the statements again, I recieved no email from them at all. The rep stated that it is nothing that can be done. I find it weird that I get all the other emails from Discover and it was confirmed that my bank statements were recieved then now its that they dont have them. This needs to be corrected, this is my highest card that I have. Discover is horrible for silently closing my account and trying to play games.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

FOR EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
Received virtual {$50.00} Vanilla Visa gift card in XX/XX/XXXX. Printed virtual gift card on XX/XX/XXXX at XXXX XXXX  and kept in a locked, safe location to use toward a vacation fund at a later date with no digital copy remaining. 

Attempted to make XXXX purchase on XX/XX/XXXX for {$37.00} and was notified on XX/XX/XXXX that the card was declined. The card has never been used and was in a locked location, so I checked the balance on their website on XX/XX/XXXX and saw an unauthorized charge of {$33.00} at XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a company I have never heard of and merchandise I never purchased or received. 

Contacted Vanilla Gift Card by phone on XX/XX/XXXX and was informed that I would need to file a dispute via email with their company using dispute # XXXX. Filed dispute via email same day and received an automated response that dispute had been received and would take XXXX days. 

Contacted Vanilla Gift Card by phone in late XXXX for update and was informed dispute was still in process. Received check to home address in amount of {$16.00} in early XXXX. 

Contacted Vanilla Gift Card by phone on XX/XX/XXXX and was disconnected. Contacted company again same day and spoke with XXXX who stated dispute has been completed and closed and charge was found to be valid. I received no email/phone call for a follow up to the dispute or how charge could have been found to be valid. Requested all steps taken, representative 's names spoken with, and names/addresses or purchaser information that had been researched and found to be valid. Rep stated that they do not handle disputes and the only available option is to send an email where the original dispute was entered. After much back and forth, the representative put me on hold for a lengthy amount of time stating she would send an email on her end, but it would be no different that me sending an email, and then she disconnected the call without calling back. Sent an email to dispute department same day and have yet to receive any response. 

Original dispute and all emails attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation