vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and the email on my square page is XXXX On XX/XX/XXXX, A customer came to get an item from me at home which required an invoice, so I used square Inc to issue invoice, customer received the invoice and paid {$950.00} each for XXXX items a total of {$4700.00}, and immediately square  XXXX  charged me {$140.00} for the transaction leaving me with {$4600.00}, and they deactivated my account with the balance in it, saying I wont get the {$4600.00} till XX/XX/XXXX, I immediately contacted my customer and he called his bank and they reveled theyve successfully posted the total amount of {$4700.00}, customer sent me prove which Ill attach to this case, I dont bank with square I only used them for invoice and I was charged {$140.00} for using the service, I cant be out of business till XX/XX/XXXX, I have a good relationship with my customer and theres no charge back or dispute, so I want my money transferred to my link account ending with {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
Back in XX/XX/2022, I had specifically asked PennyMac Mortgage to make a payment arrangement on my mortgage. I needed an extra week to pay my mortgage due to repairs needed on my automobile which placed me into a financial deficit. I asked the mortgage company if the arrangement would effect my credit score and if so by how many points? In response their rep said, " I don't know for sure, but we can make the arrangement. '' Also, this has effected my wife 's credit score drastically too because we are joint owners of the mortgage. My payment was on time, however, it cleared 3 days past my due date. I called PennyMac and management said they would work with me, but they said they couldn't remove it from my account. They told me to put in reports to the XXXX credit bureaus. XXXX didn't record the payment as late since it was only 33 days, but XXXX and XXXX would not. I talked to their reps and they told me to call back PennyMac. It's been a XXXX " cat-n-mouse '' and I started to give up, until I was made aware of CFPB via online searching. Before XXXX I had NOT missed a single payment with PennyMac and came through on my end of the agreement. I haven't asked for CARES Act assistance nor did I file for foreclosure because I didn't need any just a once off occurrence in XXXX. This one incident has crippled my credit and I may need to purchase a new car sooner than later, but this 30 day late payment on my credit has hurt. Can't build and make solid credit based consumer purchases with this on my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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:
I have made many complaints/disputes to TransUnion regarding XXXX reporting inaccurate and unfair information on my credit report. TransUnion has conducted superficial inquiries regarding this matter. I have asked repeatedly for them to conduct a reasonable investigation regarding an unfair report of a 30 day late payment-XXXX XXXX, due to the creditor 's lack of proper notification to present the payment coupon ( sent to a wrong address ) which resulted to the creditor not properly notifiing me in a timely manner. I have sent supporting evidence and attachments via mail to TransUnion. They must conduct a reasonable investigation of this mishapes and correct the error on my credit report. TransUnion contacting and accepting XXXX 's swift response without evidence of substantiated verification of the 30 day late is not the proper course of action that is acceptable per previous judicial hearings.

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 2022-11-27 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: MS

Complaint narrative:
XX/XX/2022 my phone was hacked into and a unauthorized transaction of XXXX $ was transferred from my credit builder to my checking account and then sent to someone I do not know and have never heard of before. As soon as that transaction took my hard earned money from me and my XXXX kids, I contacted my bank and filed a dispute. They claimed to have not found any errors and refuse to refund me XXXX XXXX I requested a rebuttal to reopen my case and they instantly replied and still refused to refund my XXXX XXXX My rent and car note payments are coming up, my kids are only XXXX, XXXX, and XXXX and I cant provide for them due to my funds being taken from me. Please help me and my family get my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 Reporting act : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX never has violated my rights. 

XXXX XXXX XXXX # XXXX I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account please correct. 

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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-11-27 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: OH

Complaint narrative:
XXXX wont remove XXXX when I was approved by XXXX when I was approved a XXXX discharge over a year ago.

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 2022-11-27 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: OH

Complaint narrative:
Equifax wont remove XXXX when I was approved by XXXX when I was approved a XXXX discharge over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: OH

Complaint narrative:
XXXX wont remove XXXX when I was approved by XXXX when I was approved a XXXX  discharge over a year ago.

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 2022-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I am being charged for XXXX XXXX  XXXX XXXX {$1700.00} by ARS and this account isnt mine I want it removed from all three creditors and remove XXXX I was approved XXXX discharge last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX Account number 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 2022-11-27 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: GA

Complaint narrative:
I noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. Transunion, XXXX, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!

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 2022-11-27 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: GA

Complaint narrative:
I noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, XXXX, and Experian elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!

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 2022-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Mortgage refuses to help me with the payment I got assistant from Massachusetts state mortgage assistance for payment but Chase keep refusing to send them the document they asked for for about XXXX months now. Chase mortgage account # XXXX Address XXXX XXXX XXXX XXXX Ma XXXX Name of account holder : XXXX XXXX Last message received from https : XXXX Upon review I found we did receive a record from your mortgage company on XXXX however it was incomplete and came over in a failed status. 

Our Failed Record Team is working on getting the completed record from your mortgage company. 


Should you speak with someone at your Mortgage Company that is familiar with the loan validation ( AKA : Common Data Files or CDF ) records you can tell them the record was missing the following information : The LoanStatus ( BE ) is missing. 
These fields require correction. 

Once the corrected record is received the Eligibility Review process can continue. 
XXXX XXXX Complaints & Appeals Analyst

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: TX

Complaint narrative:
I have reached out to experian and XXXX  several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the XXXX XXXX there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.

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 2022-11-27 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: MOHELA
State: OH

Complaint narrative:
XXXX wont remove Mohela when I was approved by XXXX when I was approved a TPD discharge over a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NC

Complaint narrative:
I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, Trans Union and XXXX. 
XX/XX/22 XXXX XXXXXXXX XX/XX/22 Trans Union XX/XX/22 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 2022-11-27 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: NC

Complaint narrative:
I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, XXXX XXXX and Equifax. 
XX/XX/2XXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I created a Venmo account in XXXX of XXXX  so that my cousin could pay me money she owed me. My account was then frozen by Venmo with {$270.00} in my account and they would not give me a real reason why they froze my account. I have contacted them numerous times and they refuse to answer me, and have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I opened a credit card through Zales several years ago. The card is managed by Comenity and I attempted several times to have the account closed out after paying off the full balance. I have been told twice now from the customer support for them that all my balance is paid off and that the account is closed. I have been notified for a third time that I have missed payments due to account interest. I have spoken with the customer support for a third time and they are still trying to get me to pay interest charges before the account can be considered in good standing. I have alread paid off the full balance twice for this reason and despite being given assurances that the account is completely closed out and no further interest charges will be added, they continue to do so. 

On XX/XX/XXXX I paid the remaining balance of {$3900.00} to set the total balance to {$0.00} and spoke with a customer representative to ensure the account was closed and I wouldn't receive additional interest charges. I received a call 2 months later claiming I had a balance of {$150.00} due to missed payments and interest. I then paid that balance and was told that everything was in good standing and the account was considered closed. 

2 months later I get another email claiming I have two interest charges for {$2.00} each and a late payment charge for {$2.00}. I tried speaking with customer service again and they refuse to allow me to speak with a supervisor and refuse to have a supervisor call back and want me to call back later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27 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:
I have reached out to XXXX  and transunion several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the dark web there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.

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 2022-11-27 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: LA

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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ( XXXX ) XXXX has violated my rights and i want them removed IMMEDIATELY 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 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 convictions of crimes which antedates the report by more than XXXX years. 

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

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 2022-11-27 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX Account number 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 2022-11-27 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account number 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