vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : EXPERIAN XXXX XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,

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 2023-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
XX/XX/XXXX XXXX of {$600.00} XX/XX/XXXX XXXX XXXX {$600.00} These payments were sent into my bank to make the mortgage payment. Flagstar Bank instead of holding it in suspense put it towards the principal. I wasn't able to get into the online bank account because I was in bankruptcy in which I came out of bankruptcy XX/XX/XXXX. I was able to log on to my online account finally in XX/XX/XXXX. They had sent me a letter saying that I was late on a payment in XXXX. What happened is that they appropriated these funds to the principal instead of the mortgage balance. When I spoke with someone in XXXX I was told because it was over 90 days for the XXXX payment there was nothing they could do but they were going to try and they gave me a confirmation number. When I called again because my mortgage statement didn't reflect any of this that we spoke of in XXXX, I called back today XX/XX/XXXX. I was in told that they corrected XXXX of the {$600.00} which was in XXXX they said that they can not fix the other XXXX because it's been over 90 days. I also had a problem once I sent them a {$13000.00} payment in XXXX which took them until XXXX to correct the problem and appropriate the funds correctly. I know they're able to go back and do it because they did it more than 90 days later. I would like for my {$1200.00} to go towards my mortgage payment and not the principal. I am a teacher and I work at a public school I don't have an extra {$1200.00} to drop on the principal balance. I paid on the bankruptcy for 3 years spending approximately {$60000.00} in which none of the mortgage stuff had been taken care of so when I got out of bankruptcy XX/XX/XXXX I went ahead and paid what the mortgage company was asking for the bankruptcy even though their attorneys said I owed nothing and they had been paid back. When we try to call the bank they don't respond, I have been hung up on, yelled at during this process and I think it's very unprofessional. Now I'm out of money and they just tell me it is what it is it's been over 90 days and that's how our system works. You're just out the money. I have asked to speak with supervisors and I've been told the customer service representative called them for me and told me they can't help.

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 2023-01-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match

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 2023-01-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports

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 2023-01-11 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: GA

Complaint narrative:
Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports

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 2023-01-11 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: NY

Complaint narrative:
In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states 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 2023-01-11 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: NY

Complaint narrative:
In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In the briefest way I can explain, I am currently a victim of XXXX XXXXXXXX and am in a long process of extracting myself and my young son. For a brief period I stopped using my American Express card so that I might have an emergency credit card in my name only in case I needed to flee. Because I didn't use the card for XXXX months, Amex cancelled it even though I have been a XXXX year member in good standing, with a XXXX balance and had paid the annual fee. Their records said they sent a notice by mail, which I did not receive. Just XXXX notice. 

I am not interested in resuming business with Amex. My real issue is that it was my longest-held credit card and its cancellation had a real impact on my credit score - the score I'm going to need to find new housing when this nightmare is over. When I contacted XXXX to determine the damage and what I might be able to do about it they were unable to tell me. They said because of the complexity of the variables used to determine credit-worthiness it was impossible to say what impact this particular cancellation had. If I wanted to dispute something I could - but there is nothing to dispute. I am left with a damaged credit score for doing absolutely nothing wrong except not making American Express money during a brief period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: DC

Complaint narrative:
On XX/XX/XXXX at XXXX I was abruptly awakened from my dog barking loudly. Upon checking my XXXX XXXX XXXX was being towed by a XXXX tow truck. After being awoke the remainder of the night I called XXXX XXXX XXXX the next morning. They hired a third part company to illegally seize and wrongfully reposes my automobile. The third party towing company, XXXX XXXX XXXX, is a third party to the agreement/contract. XXXX shared my NON-PUBLIC personal identifying information with a third party. This is a wrongful repo and illegal seizure of my property as well a violation of my consumer protection rights. In addition the consumer did not receive a certified letter to cure prior to the repossession per federal and state XXXX XXXX XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION

Complaint narrative:
Hello, I made a transaction on XXXX with tracking number XXXX from my XXXX account to my XXXX  account with number XXXX through Xoom service, and after I payed the 3 eur fee and the money was sent to the XXXX  account, I received the information that the money have been transferred to a XXXX XXXX  account. 
I don't have and I never had a XXXX XXXX  account so not even by mistake I couldn't select this bank, XXXX XXXX  was automatically assigned to my transaction details although the number account is correct. 
I made a lot of phone calls to the Xoom service of XXXX for case with number XXXX since XXXX, the only response I receive is " we will come back with a response in XX/XX/48 hours '' but Xoom never come back with a response. I always had to return to them. 
In attach can be found the phone calls to the Xoom and e-mails about transaction and from the open case at them. 
Please help me to solve this case faster, so the transfer can be finished in the right account. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
TRANSUNION is reporting false balances and the credit score is XXXX points lower the the other bureaus. I tried talking to them and they won't help. Isn't this FRAUD on there part? I want them to fix this

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 2023-01-11 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: LA

Complaint narrative:
Please see attached document detailing how this company is in violation of several of my consumer rights permissible purpose of consumer reports, THE LAW CLEARLY STATES any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: LA

Complaint narrative:
Please see attached document detailing how this company is in violation of several of my consumer rights permissible purpose of consumer reports, THE LAW CLEARLY STATES any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
My Prosper XXXX XXXX account should have a XXXX balance and never have been reported late. On XX/XX/2022 I made an online purchase from ( XXXX XXXX  in the amount of {$390.00} for access to their XXXX XXXX XXXX. The system did not work as advertised or at all for that matter. The merchants website offered a XXXX  day money back guarantee. So, I emailed the merchant for my money back since the system I paid for obviously didn't work. After XXXX emails the merchant finally responded and admitted that the system did not work. Supposedly, they were having technical difficulties. However, the merchant never addressed my refund nor did the merchant issue me a refund ( please see attached email ( XXXX XXXX XXXXXXXX ). I immediately call Prosper Master card to inform them that I needed to charge back on an item that I did not receive, that was purchased on the account ending in XXXX. The dispute was filed, Prosper closed the account ending in XXXX, and stated they were sending me a new credit card. 30 days later the credit card issuer sent a letter via XXXX stating that they had ruled in my favor and that the {$390.00} charge has been removed. To my surprise I get my XXXX statement on a totally new Prosper Credit Card ending in XXXX and there is a change of {$390.00}, a credit for {$390.00} on XX/XX/2022 ( remember this is my XXXX statement ), and another charge as of XX/XX/2022 from the merchant that is in dispute. This should not have even been possible, because at this point neither me nor the merchant had the new credit card number that Prosper XXXX card had issued me. The XXXX was still in the mail via usps and I had not physically obtained the new card yet. I again called Prosper XXXX multiple times to fix this and spoke with several customer service agents who all said they would fix the problem. No one ever did. I also sent an email, which they confirmed they received. Please see attached ( Prosper XXXX XXXX ). I spoke to a customer service supervisor in XXXX by the name of XXXX XXXX # XXXX, she assured me it would be rectified and it wasn't. I then started receiving collections calls. In XXXX I received a collections call from XXXX XXXX # XXXX she admitted that she could see that Prosper XXXX messed up. She stated she would have her supervisor correct it and that she apologized. It was never corrected and now the account has charged off and it is ruining my credit.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX XXXX EQUIFAX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
On XXXX XX/XX/2022 I initiated a check # XXXX Payable to XXXX XXXX XXXX XXXX XXXX XXXX  ) and sent it via XXXX. At some point said check was forwarded to my bank, City National Bank ( ref. Bank ) at which time the bank debited my account while forwarding the dollar value, {$12000.00}, to some other entity other than the named recipient. 

Hence the payee reports never having received my payment & instituted late payment charges against my account. Since that time, it has been noted that the check in question was probably stolen at the XXXX, XXXX XXXX XXXX XXXX was advised of the incident, they graciously removed all late charges. 

However, the Bank has debited my account while undertaking an investigation to identify the whereabouts of my money which they incorrectly distributed to an unauthenticated party. 6 months has elapsed & the Bank has not made my account whole, further they report said restitution could take up to a year or more for them, in the meantime I'd be carrying their mistake, this is not acceptable, and I demand they make my account whole immediately without further delay!

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 2023-01-11 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation