vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

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 2022-06-10 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: FL

Complaint narrative:
Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes XXXX business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in XXXX business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 2022-06-10 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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAGLE BANCORP, INC.
State: VA

Complaint narrative:
I own a business that has its checking account at Eagle Bank. One of my personal checking accounts is held by Eagle Bank also.

One of my senior employees is authorized to undertake specific actions for my business checking account. She has nothing to do with my personal finances. 

An employee at Eagle Bank emailed my employee to ask about transactions on my personal account. They sent an email with check images that I had written as part of managing my personal finances. They asked my employee about these checks. 

My employee contacted me to ask about the checks before I was aware that Eagle Bank had shared 6 check images from my personal account. This was embarrassing for me and my employee. 

I should expect Eagle Bank to protect the privacy of my personal financial information. They should have in place sufficiently strong procedures to ensure that one of their employees does not share personal financial information incorrectly in a situation such as mine. 

I contacted the Eagle Bank employee to tell her of their error. I spoke to someone that identified themselves as a branch manager, though I do not know that person. She apologized and said she would write to me with a more formal explanation of what had happened. That person has not written to me. 

I contacted my relationship manager at Eagle Bank letting him know that my personal financial privacy had been breached by one of their employees. I asked him what would be the best way forward. He has not responded. 

The protection of personal data and personal financial information is extremely important. These should be core competencies of a bank. Eagle Bank has failed to fulfil these requirements and is not prepared to discuss the significant mistakes it has made in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CA

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 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. 

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 2022-06-10 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: CA

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 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. 

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 2022-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
We received an email on XX/XX/XXXX that a dispute to the loan we secured with Affirm.com had been denied. However, we immediately notified Affirm that we did not make any such dispute. They responded more than XXXX weeks later on XX/XX/XXXX that said no unauthorized activity had occurred ( which is not true - a dispute was filed ) and they had restricted our account so that we would not be able to take out any other loans. It is completely unacceptable for us to notify a company of unauthorized activity ( as any responsible consumer should do ) only to be responded to by the company calling us liars and restricting our account to deny any future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I had a problem with my coinbase account where my account was hacked and assets stolen. I reached out to coinbase who says my passwords and security is up to me. I opened this accoun in XXXX of XXXX and bought 5 different crypto investments over the next few months totaling {$1100.00} of my own money. On Monday XX/XX/XXXX my password was changed so I logged on and was able to change but 15 minutes later I received another alert that my password was change again. I have called and called to get someone live but NO luck. My bank account linked to coinbase then had XXXX dollars being processed. I had called the bank to place a stop order on this which was done. However, Coinbase says my last transaction was not completed and I can not use my account until I pay the XXXX that is outstanding. My account was breached and all assets were sold off none of which were authorized. I'm attaching the history of my account for review. 
How do I move forward on getting my assets back or refund what I had invested. Coinbase is absolutely no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: John C. Compton PC
State: IA

Complaint narrative:
Received a letter from XXXX XXXX XXXX Attorney at Law XX/XX/XXXX demanding payment for debt within 10 days for debt that was already paid in full to Client XXXX XXXX. 

Responded by certified Mail XX/XX/XXXX Via United state postal service. certified mail XXXX XXXX XXXX XXXX XXXX Disputing the debt and requesting documents for all work, work orders, contracts, payments to be sent to me and validation of payments. I sent this within the 10 day and disputed owing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any remaining balance. I requested the work orders, payments, change orders or any correspondence to be sent to me. I asked for documentation that debt was owed since i had already paid in full. I Wrote them in the collection dispute letter for written verification. 

On XX/XX/XXXX XXXX XXXX XXXX Attorney at Law filed a false Lien on my property, There is no money owed, they have failed to provide documentation for all payments made, all contracts signed and documents requested. By Continuing to attempt to collect on this debt and filing false lien without providing the documentation Violated the Fair debt Collection Practices Act. We still have not received this documentation. Also the statement of Account verification was made up and not signed by contractor or business but in fact signed and executed by attorney and does not reflect a accurate account of debt because we have paid this to XXXX XXXX and XXXXXXXX XXXX XXXX 

On XX/XX/XXXX I send a 2nd request and demand for documentation of all Signed contracts, work orders, payments, Agreements and ledgers showing any work provided by company from XXXX to XXXX current. We sent this certified mail via United States Postal Service again Certified mail XXXX on XX/XX/XXXX I received a phone call from XXXX that threaten me and telling me he was going to mess my credit up and made some very nasty comments. He claims i owed debt i do not owe and that he was reporting to my credit today and refused to give me his name or company name so i could also file a credit dispute letter. He kept telling me how he was going to harm my credit and ended up hanging up on me i told him i disputed this and needed verification. i called back and they didn't didn't want to give me name or address to file a credit dispute and request but after XXXX  believe they are with XXXX. 

XX/XX/XXXX also sending Debt collection dispute letter Via email and certified mail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac mortgage policy states you can request PMI deletion at 80 % loan to " original '' value. They also state that at XXXX  % loan to " original '' value PMI deletion will happen automatically. I have been back and forth with their customer service trying to remove something that I don't believe anyone should have to pay in the first place. Right now I am at XXXX % loan to " original '' value. First I get told they are going to remove it, but it will take a month, now they tell me I have to pay for an appraisal out of pocket to determine if my home has lost value. I am not going to pay extra to remove something that I should not have to pay in the first place. There has been XXXX damage to my home, I have not made any insurance claims. If anything, my home has appreciated, but that doesn't matter, because the words in their policy state " LOAN TO ORIGINAL VALUE ''! They are robbing me every month and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: IL

Complaint narrative:
In accordance with the Fair Debt Reporting Act. 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 15 U.S.C 1692b ( 2 ) Acquisition of location information a collector can't collect on a debt if you're not int the state. 15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692e Section 8 : updating without showing disputed. 15 U.S.C 1692e ( 2 ) ( a ) False or Misleading representations : False representation of amounts or legal status of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Wanted to take advantage of an advertised promotion Chase had for the Sapphire XXXX card, where they offered a XXXX point bonus for spending {$4000.00} in 3 months. I had called and checked with them to see if I was eligible, as I already had a Sapphire Reserve card and knew that you could only have one Sapphire card with Chase at a time. Under the advisement of the agent, I was told to downgrade my current Chase Sapphire Reserve card to a Freedom level card, which I did. I was told that since I opened the Sapphire Reserve card 48 months ago with another promotional offer, I would be eligible to receive a bonus on the opening of this Chase Sapphire Preferred card. THESE CALLS WERE ALL RECORDED AND MONITORED! After following their instruction and guidance, my application for the Chase Sapphire XXXX card was declined because the system still thought that I had a Sapphire Reserve card. Again I called and was told that I would need to wait until my next billing cycle was over to ask for reconsideration - keep in mind I was never told this initially - and they said I would still be eligible for the original promotion that had since expired since my application was still submitted before expiration. I called for reconsideration in the time frame I was advised, and was told that I was not eligible for the promotion, after all that. I was told that the previous agents misinformed me and would receive better training in the future. How can a financial institution have this level of negligence? I understand this issue is about points, but this is a financial institution that should NEVER give incorrect information to consumers. The only possible reasoning is that they are willing to play games and give the run around to consumers who are taking advantage of the promotions that they are offering. If that is the case, they shouldn't offer promotions anymore. It's false and misleading advertising along with a nefarious business practice to bait consumers into applying for more credit accounts under false pretenses that there is a prize of bonus points waiting at the end of the process, which they never intend to award.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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:
On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that 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 2022-06-10 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: FL

Complaint narrative:
TransUnions housed incorrect and false data that was supplied to credit and service providers who in turn took negative action against me because of the false data housed by TransUnion. 
At the time I could not gain access to my credit report and TransUnion would not provide me with a copy of my credit report when I called multiple times. TransUnion have since created a new file in my name which does not contain all of my credit information, so my file continues to be incorrect and negatively impacting my financial status. 

TransUnion refuses to provide me with access to the historical information and data that was collected about me and used against me by credit issuers and service providers. 

TransUnions has evaded all requests placed directly with them and TransUnion continuesto fail to provide notice to the creditors who used the incorrect data against me that the data they were provided with was incorrect. 

I can not get answers or a response from TransUnion and their call centre staff hang up the call when I ask to raise the matter.

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