vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Email from : # # -Confirmation XXXX Heyy Dear XXXX, You have sent {$720.00} to Paypal XXXX XXXX It may take 24 hours for this transaction to appear on your account. 

Items : {$690.00} Shipping & handling : {$21.00} Total before tax : {$710.00} Estimate Tax : {$14.00} Order Total : {$720.00} Payment Method : XXXX CREDITS. 
Order Number : XXXX Product : XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX GXXXX XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX kg ) Order Date : XXXX - XXXX - XXXX Please note that a signature is required for the delivery of the package. 
If no one will be available to sign forthis package, you may wish to make alternate delivery arrangements Your order will reach you within 3-5 working days. Youwill receive a tracking link once the order is shipped.

Youcan check the status of your order by logging into your account If you have any questions about your orderplease contact us at Call Our Customer Support Care : XXXX ( XXXX ) - XXXX - XXXX for further assistanc Team Pay_Pal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: DE

Complaint narrative:
In accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX Amount- {$700.00}, XXXX XXXX XXXX Account XXXX XXXX Amount- {$360.00}, XXXX XXXX XXXX XXXX Account # XXXX Amount- {$440.00} 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 2022-07-21 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: MI

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I have had some financial issues from XXXX. I was on a forbearance that ended on XX/XX/2022. On XX/XX/2022 I received a email that I was approved for a forbearance but on the phone the agents say that is wrong. ( Email attached ) In XXXX I applied for my state 's HAF help. Since then the state has requested the information from my mortgage company 's loan servicer multiple times. I have called loancare probably 30 times over the past months. They are not responding to the state. Loancare 's internal HAF processing department has done nothing. I call and call and the customer service reps email them asking for an update. Nothing. They escalate it ( Whatever that means ). Nothing. No response. Meanwhile I get threatening phone calls and letters. They are the ones we are waiting on. They need to verify the information the state requested of them so this can be processed. 

They have been notified MANY times that I applied for the HAF ( Phone calls and email ). I get no where with them. Meanwhile they started reporting negatively on my credit report, which I believe is illegal when I am working with HAF and on a forbearance per the email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an inquiry on my credit report from Oportun Inc./Progreso financial on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to Oportun  about XXXX  months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted my dispute letters along with XXXX forms of verification to Transunion on XX/XX/XXXX through certified mail. XX/XX/XXXX the company sent a letter out stating that they cant confirm or deny whether it was myself, a third party or robot who sent out the dispute letters. I called Transunion to speak about the letter I received and I was told I can only dispute online. It is now XX/XX/XXXX. I then went online to file a dispute but I was limited on what I could dispute. Still no results from the XX/XX/XXXX dispute.

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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T locked my account for no reason. I can't access MY OWN FUNDS. I submitted my license. Calling them did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, Bank of America in XXXX California ( I was and live in Mass ) withdrew {$1000.00} by a Teller. I am unable to see of transactions, ATM, Check or Cash Withdrawal. That day my cellphone and Banks accounts were taken over by some type of fraud. I was able to lock down my credit card accounts but not my checking account in time, which resulted in {$1000.00} cash withdrawal. I filed a fraud complaint with BOA and changed all my accounts within two hours on XX/XX/XXXX. BOA had held back the {$1000.00} since XX/XX/XXXX. 

I have been following up since XX/XX/XXXX in an attempt to be reimbursed for the {$1000.00}. I have called almost every week. This morning I was told I must wait 90 BUSINESS days for BOA investigation completion before any type of reimbursement. 

BOA is a bully and I feel horrible for any family that lives paycheck to paycheck and would have this {$1000.00} held back from a family. Just recently BOA was fine {$220.00} million for freezing customers account with a faulty fraud detection program. Clearly BOA targets those of society that have little or no voice. 

I respectfully request the federal government to investigate BOA fraud policies for the sake of those that are living paycheck to paycheck. 

How can this possibility take 90 days for investigate? I must wait until approximately XX/XX/XXXX for BOA to conclude their investigation? I am stunned into silence that the sixth largest American company needs 90 business days to determine that their company gave away my funds out in California. 

I respectfully request Consumer Finance advocate for the same account owners of Bank of America

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 2022-07-21 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 Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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

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 2022-07-21 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  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There was a fraud charge made mid to end of XXXX. I notified Comenity Bank which is the bank that issues the cards for Victoria 's Secret. They stated they will start a fraud dispute and issue a new card within 7 business days. I have called them more than four time and also spoke to a supervisor. I have not received any letter showing the dispute for fraud charge has been started, I have not received the new card as promised. I dont want to be charged any interest and they refuse to issue a new card when account was in good standing, they refuse to send any written adverse letter with any reasons as well as refuse to send a letter showing the dispute has started. It was sent to a property in another state and they continue to say they will send a new card and letter however when I call they say there doing a system update for the last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
on XX/XX/2022 i tried to make a purchase with my XXXX store card, which run by Synchrony Bank Card Services. I later received an email that the store card was declined. 

I logged into the Synchrony Bank Card Services website to find out the card had been closed. 

I checked the messaging area of the banks website and it was empty. 

I then used the online chat feature to find out from an agent that my card was automatically closed and the only option was to reapply to open a new card. 

My issue here, is XXXX I was never notified that the account was closed. XXXX I was never given a courtesy message that my account was on the verge of being inactive for too long. XXXX By closing the account, they impacted my credit rating. XXXX their recommended solution was to again, impact my credit rating. 

They offered me a XXXX $ credit to my account if and when i reapplied for a new card and approved. {$30.00} wont come even close to the costs i will incur on future financing of cars, etc. due to a lower credit score. 

They clearly have the ability to identify an account that is on the verge of closing, and they also have the ability to make use of their very own messaging system to tell the consumer.

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to XXXX about 4 months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to XXXX about 4 months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!

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 2022-07-21 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: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-21 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: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-21 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was never late with a payment for the furniture I purchased at Ashley Furniture. The Ashley Furniture credit card is now being run by Synchrony. It has been paid off for several years now as well. I have a decent credit score ( around XXXX ) and I know they accept people as low as a XXXX score. This was in their letter : " Scores range from a low of XXXX to a high of XXXX ''. 

There was no reasonable reason for them to close my account! I have been building my credit up and this is definitely going to affect my credit score! It is totally unfair and unacceptable for a credit card company to do this - I don't understand, please help me.

I called them and told them the same story. I even spoke with a manager and she said there was NO way they could " undo '' the closing. 

Please read the attached letter that Synchrony sent me via email. 

I recently had a derogatory mark from my mortgage lender, however it was straightened out AND I only have one mortgage which I have paid EVERY month. I just can't understand how they can just " CLOSE '' my account when I have decent credit scores and they will open up an account for someone with a XXXX score. WHY AM I A GREATER RISK FOR NOT MAKING A PAYMENT WHEN I HAVEN'T HAD A BALANCE IN AT LEAST 2 YEARS. 

Thank you, in advance, for any 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 2022-07-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights.

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

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to XXXX, XXXX and Equifax. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,

Company response to consumer: Closed with explanation