vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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 explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, Experian Acct # 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 2022-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have multiple inquiries from capital one bank and capitol one auto that I didnt authorize.When I called the caller XXXX was very rude and wouldnt help me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: OK

Complaint narrative:
I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.

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 2022-05-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX this account is not mines please delete This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I canceled this credit card over a month ago and it was {$0.00} balance when I did but for unknown reasons they still charging me even when the card is canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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 explanation
Consumer complaint received 2022-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXX, XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
The company is Venmo. They HEAVILY advertise that they now support cryptocurrencies. They only give you the option to buy and sell. You are not allowed to transfer your holdings to another wallet, on or off their platform. 

What does this mean you might wonder? Internalization. I speculate they are not even making a purchase with your funds that is hitting the blockchain. There is no way to actively view ANY of your crypto transactions through Venmo as is possible with trusted crypto-based companies ( typically, you can see the different confirmations of your funds being transferred on trusted sites ), which further supports this hypothesis. In classical finance, we refer to this as a " Ponzi Scheme ''. Because it's cryptocurrency, it is heavily unregulated and confusing to the average American over the age of XXXX so they get away with it. 

My best guess is that they collect batches of orders through their customer base, and don't actually give you a genuine crypto currency wallet, as they very clearly are advertising to unsuspecting consumers. This would mean their " transaction fee '' is also a lie, and they're just taxing their consumers because it looks normal in relation to your average crypto based transactor today. Where are my network confirmations, Venmo? Can you show me those? Prove to me that you are actually making purchases on my behalf with the timestamps, my wallet address, amounts, etc. If this is not the case, why else are you not allowed to transact further than buy and sell, and how long will it be before you grifters turn off the Buy or Sell button when the crypto bubble pops in two weeks? Oh right, you guys don't care. Whatever it takes to survive one more day, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I paid of my balance in full prior to the close of my billing cycle. Per the terms of the credit card agreement there is no fee for balances paid in full. I was charged 2 finance charges while my balance was a credit of {$260.00}. My balance at the close of my billing cycle was less than XXXX dollars. I was charged two finance charges. One for {$16.00} and one for {$4.00}. When I called to have the mistake corrected they said they didn't have the mechanism for removing the finance charge. I spoke to 3 operators including supervisor XXXX XXXX. I was told that the charges were valid despite the XXXX balance which is clearly illogical and impossible. Even XXXX XXXX  interest on XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I earned XXXX points using my Citi credit card. A week after i redeemed them Citi lowered my credit limit by {$270.00} and it effectively wiped out most of the points or {$340.00}. It, Citi, will make up a bogus reason on why they lowered my credit limit, but they did this so I couldn't get credit for all my points. I have never had a credit card company lower my credit limit, when I have never missed a payment. I'm very angry they have so little ethics they would do this. They are making a lot of money off me and others and this is pure greed and cheating me, the consumer, out of the points I earned according to its rules.

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 2022-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I sent a debt validation letter to Shellpoint on XX/XX/22 via certified mail. The letter was received by the recipient on XX/XX/22. In the letter, I requested all of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Shellpoint received the letter on XX/XX/22, but has not replied. None of the information that I requested to actually validate this debt was provided. Additionally, I asked that if Shellpoint did not provide all of the requested information and validate the debt, that this debt be removed from my 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 2022-05-28 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: Social Finance, Inc.
State: CA

Complaint narrative:
Approximate one month ago ( XXXX. XXXX, 2022, I believe ), I found that I couldn't use my SoFi credit card and the app indicated that I needed to activate it. This was strange since I'd had the card for quite a while without issue, so it shouldn't have suddenly needed activation, like a new card would. I called SoFi that day and they told me the card had been reported as lost or stolen and was deactivated. I asked them when this happened and they told me it was the day before I called them, which I had not done. 

During my call, I asked for them to investigate who made the request since I am the only person authorized to make this type of request. I was told I would be contacted within two weeks, but more than two weeks later, I still haven't gotten a reply. I also asked why they didn't send an email or letter informing me of this as every other credit card issuer does and I didn't get an answer. The agent said she did not know either. 

I have still received no information and my account is still frozen. I believe this practice is unfair since I am not being informed about decisions that affect my identity and security, as well as not being provided with information about how this could have occurred. I do not believe that SoFi is properly investigating this and has been negligent in taking action on potential fraud. They also have not provided me a case number, telling me only that I will be contacted and provided the case number, which also has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Our loan was placed in forbearance due to my husband and I both losing our jobs repeatedly during XXXX. Upon the expiration of our forbearance, the lender/servicer ( XXXX ) told us the only way to rectify the situation was to pay, in a lump sum, $ XXXX. Because of them lying to both my husband and I, we separated and were XXXX week from finalizing our divorce. Luckily we reconciled and began working with our mortgage company together, and realized we were both being told different things. I researched our options according to CFPB and XXXX XXXX and our options were NOT being given to us. When the lender/servicer/collection agency was confronted with this, they offered a loan modification but were adding the past due payments to our mortgage balance, thus increasing the balance and making it impossible to sell the home for that amount. We insisted to talk to someone in management or directly with the servicer ( XXXX ) and again were told no, that our options included a XXXX year loan for a larger amount or to now pay almost $ XXXX to avoid foreclosure. We have communicated with our mortgage company monthly asking for all our options to be presented and they were not. Now, they have filed for a non-judicial foreclosure. This company ( XXXX ) has been sued multiple times in class action suits for this very thing. We currently have renters and they are about to purchase this home. We need to stop this unlawful company from ruining our lives, their lives, and countless others. We have submitted for XXXX funds in the state of XXXX for relief. This too was not given to us as an option, we had to research this issue ourselves.

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 2022-05-28 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: ME

Complaint narrative:
On XX/XX/2022 I filed a dispute with Equifax about DIVISION OF SUPPORT ENFORCEMENT, It is reporting as a closed collection with a past due balance and late payments. I disputed this with a list of ALL payments made going back to when I agreed to pay the amounts I do. This is paid via a garnishment on my paycheck. The state of XXXX  takes the payment for the past due amount " arrearages '' of the first case that the kids are now over XXXX and not in school and XXXX is taking out for the current order on my younger daughter and I have elected to pay more then the amount agreed every week. On XX/XX/2022 I was sent a PDF dispute result from Equifax and the balance was changed, the payments were listed and the account status was changed to open. It is still being reported on my actual report as closed collection with a balance and past due amount. This I believe is unlawful and being report incorrectly

Company response to consumer: Closed with explanation