vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: CT

Complaint narrative:
XX/XX/2020, I had sold my house under the representation of my realtor and attorney. ( joint with my ex-husband ). 
Two years later, HUD states we owe them over {$16000.00} including fees and interest. Originally {$11000.00} and they had sent wage garnishment without contacting either myself or my ex. 
After research, I found out that HUD was sending letters to the old address of which we sold the house. I have been in communication with HUD. I have sent in a letter for an appeal, all the proofs I had from the sale of the house and my address change information including mail received with the new address. I have given HUD a full explanation of our account. I have also contacted the mortgage company and have not received reasonable action. 
My attorney and myself have received the title and payoff letter from Midland stating " XXXX balance. '' This is a clerical issue on Midlands behalf and I will not be responsible for their operational errors.

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased XXXX  earbuds online using my apple card. It was the first time for me to use an apple card. On XX/XX/XXXX I returned the earbuds for a full refund. I did not realize that the original purchase on XX/XX/XXXX resulted in a {$5.00} cash reward. I incorrectly assumed that since I returned the item so quickly, the reward would be removed from my account. That {$5.00} turned into an amount due on my card. I never received a statement from XXXX  so I had no idea this was a balance due. On XX/XX/XXXX I noticed my credit score went from XXXX to XXXX. When I researched the reduction and realized it was from the {$5.00} charge on my apple card. I immediately paid it, not even knowing what the {$5.00} charge was for. At that point I did not care, I wanted my account up to date. On XX/XX/XXXX AFTER I paid the balance, XXXX  hit my credit score again. My credit score is now XXXX. I filed a dispute with all 3 credit agencies and XXXX XXXX admitted they should have just removed the cash reward balance from my account since I had not spent the reward yet. XXXX  also admitted they were wrong to hit my credit again on XX/XX/XXXX after I had paid the bill but yet all XXXX credit agencies are saying my credit score is correct and they have closed my dispute. 

A person with a credit score of XXXX does not ignore {$5.00}. I had no idea this was even on my apple card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 my Bank of America card was charged in XXXX separate transactions, one for {$110.00} and one for {$59.00}. These charges were for a company called XXXX XXXX, which I had never heard of before. I had a third charge I did not authorize, this one for XXXX XXXX for {$35.00}. I reported these fraudulent charges to Bank of America and they recognized the charge for {$35.00} as fraudulent but disputed that the two charges for XXXX XXXX were fraudulent. I have told them I did not authorize these charges or ever order anything from this company but they are adamant that I received products from this company. I did receive several bottles of vitamins or diet supplements but they are not a product that I ever ordered. I contacted XXXX XXXX to see if they had any record of me as a customer and they said they had heard from many other people that a similar chain of events had happened to them, that they'd charged by a third party and shipped supplements they did not order, and their cards were charged through XXXX XXXX. XXXX XXXX itself seems to be a victim of corporate identity theft with a third party scammer using them and sending actual items to some consumer victims. To date Bank of America has not refunded these charges because the scammers were able to show that they shipped me a product, never mind that I never ordered the items and that the price charged is much higher than their actual value. I have filed a police report and am filing a complaint with the CFPB on the advice of the person at XXXX XXXX that I spoke to. Bank of America originally recognized my fraud and refunded the charges but later reversed their decision and re-placed the charges on my card.

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 monetary relief
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX  FRCA Violation personal information XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : 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  DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX  # XXXX XXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX XXXX XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.

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 2022-04-12 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: FL

Complaint narrative:
I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.

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 2022-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I HAVE CONTACTED PDM AND REQUESTED A FULL DISCOVERY AND COPIES OF A CONTRACT THAT THEY CLIAM I HAVE SIGNED. MY SON HAD RENTED A PROPERTY AND HE GOT A FINAL ACCOUNT STATEMENT EMAILED TO MY HUSBAND OF {$830.00} WHICH HE DISPUTED AND THAN THEY REPORTED TO THE CREDIT REPORTING AGENCIES A BALANCE OF {$2400.00} THEY CLAIM THAT BECAUSE A 60 DAYS NOTICE WAS NOT GIVEN. IN THE STATE OF TEXAS THEY CAN'T DOUBLE DIP AND CHARGE FOR RENT AFTER HIS CONTRACT WAS OVER. I HAVE REQUESTED FOR THEM TO PROVIDE ME WHEN THE UNIT WAS RENTED SO THAT I CAN SEE THE DAYS THAT WERE NOT RENTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortgage services llc, XXXX, CA XXXX did take negative, uncalled for actions on my property XXXX XXXX XXXX XXXXXXXX, VA XXXX which I sold on XXXX XXXX, XXXX. I did complain about their lousy actions and asked for appropriate restitutions. They denied my request vide their letter dated XX/XX/XXXX. 

Justice be done to me by overruling their actions of cutting off electricity, water and gas connections and placing a lock box on my house on the morning of XX/XX/XXXX. It is a fact that I was behind on the mortgage by two months and they were informed of all development in the case right from the time the property was listed for sale in XX/XX/XXXX. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I called GM Financial again. After i requested to speak to XXXX or a XXXX the XXXX and i got into an argument and began talking over each other. She told me when I can act like an grown woman I can call back and she hung up after i waited XXXX minutes to get to her. I am calling back and have been on hold again for XXXX minutes. 

She seems to feel she can take any tone or making any comments to me that she wants and then hang up. I am already being screwed over by GM Financial, there's no need to disrespect me also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
To whom it may concern, I have tried several of times to get manners escalated directly with Paypal. My account was closed and terminated at XX/XX/2022 Stating that I have Been in violation of PayPal use of services and policy. However this is incorrect and I have not violated any of PayPal 's use of service. I have about {$28000.00} in my PayPal account that is also on hold for 180 days which is unlawful as well as a violation. I am demanding for my account to be reopen and for my funds to be released within five business days of receiving this complaint or I will move forward with filing a litigation against PayPal. A client of mine attended a free event where I gave out numerous of resources on how to create passive income to becoming a first time home owner. The client after four days of attending the event she decided to book a consultation with me and got confused if I provided credit repair services. She was not able to do the phone consultation because we stated to her that we were not able to help her with credit repair services because we do not offer that. She file dispute to open the case For a refund and decided that it was in her error But when she called PayPal to close the case, she state they refuse to do so immediately! After PayPal decided to hold my funds and close out my account. My client and I have tried numerous of times to get in contact with Paypal in regards to this issue but they have failed to get matters escalator or to acknowledge our concerns. She simply book a personal coaching call in needed a few guidance, however the money is still on hold. I refuse to be bullied from using my Federal protected consumer rights with Paypal code business and ethics. To hold my funds for 180 days is misusing their fraud and banking model. Behaving ethically And responsible means Doing the right things in all situations, This hardly seems compatible with people being out of business and their money. The Paypal website is replete with stories of person 's put out of business due to by Paypal 's actions. Many small business have great difficulty due to having their funds frozen. ( Pay- Pal community web ). I will attach proof of the conversation between me and my client trying to get a payment released and case closed. My business also has a five star ratings on XXXX and nothing on my website advertises that we offer credit repair services or sell any type of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I spoke with Master card about a XXXX feature XXXX has a feature called " XXXX XXXX Billing Updater ( XXXX ) '' that automatically updates merchants with replaced virtual card numbers to maintain continuity of recurring payments. If the customer has opted in for this feature with XXXX, any time we replace their virtual card number to try and stop merchants from making reoccurring transactions, XXXX will continue to update these merchants with the new number and they will continue to be charged. 

Those are the exact words from the XXXX XXXX representative. 

Not only do they share my card information with third party companies but they do NOT provide any way of me from stopping this feature or blocking the cancelled subscription!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

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

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
This is Identity theft. The XXXX  XXXX XXXX XXXX Milestone through Genesis FS card Services. I did not applied for this card. I did not make these charges of {$810.00} Someone has my information and used it to open this account. Please close this account. 
Lenders info Genesis, The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have reported this credit card to The Federal Trade Commission on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX NA Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
This debt collection I have no clue about or where it has come from. I have never done any business with this company, they are threatening to put this on my credit report. I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
This company calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation