vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7200.00}

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email that my PayPal account had inconsistent activity with their user agreement and I am no longer able to use PayPal services. I have checked my activity. I have gone through the payments Ive made with PayPal account and dont see anything thats against their guidelines. I mainly use it to make payments on my bills. My bank card and bank account are directly linked. I did have my card replaced because of fraudulent charges but that was with my bank directly not PayPal. I tried to contact them and I dont think the person I spoke to even pulled up my account just said I could dispute their decision, did not say what was the reason besides inconsistent activity and I could find that information on the user guidelines, which again do not state anything that I did. Very vague guidelines not explaining why I was permanently suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I went into Covid related deferral with Umpqua Bank. They are now reporting that my mortgage balance went up by XXXX for a six month deferral. I was under the impression that a deferral postpones payments until the maturity of the loan. When in fact it is interest only put on the end of the loan. My total balance went from XXXX to XXXX and hit my credit for 20 point loss.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
these guys are spoofing numbers from my phone so it looks like my contacts. I wont give them my information they call 3-4 times all from contacts in my phone i call my friends back they have no clue what I'm talking about. 
I live in Texas Thier website doesn't have credentials and licensing according to their website to practice in Texas https : //rauschsturm.com/ Rausch Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2022-03-11 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: VA

Complaint narrative:
My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Equifax. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX ( " XXXX  '' ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX  agency representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX  of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Equifax on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers within 30 days of notice. 

More than thirty days has elapsed, and despite follow-up efforts, Equifax has not removed the delinquency markers from XXXX XXXX credit profile. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services has 3 negative accounts listed on my credit report that is not mine. The debt collector agreed to delete the debt from my credit report because the information is inaccurate and the address on file is not mine. However, the debt is still on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
my personal information las taken somehow including my address, my social security number and my license information and opened 2 bank accounts in TD Bank on XX/XX/XXXX of XXXX. 
The account numbers are XXXX with the amount of {$2200.00}. 
Then another account mas open XXXX and {$510.00} mas transfer from the XXXX account. 

I did call the bank already to report it and the accounts have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Yes I have a Barclays XXXX XXXX XXXX that I received a little over a week ago and I have had to contact them multiple times a day via calls and chat about them constantly declining my transactions when I have proof that my account has no restrictions and no holds and all transactions will go through I have told them every time that all transactions have been authorized and they still want fix it

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 2022-03-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2022, I was charged by XXXX XXXX for a procedure in the amount of {$2500.00}. Once my insurance paid XXXX XXXX, the statement said that I was to pay my portion -- {$850.00}, not the {$2500.00} that XXXX billed me. 

I repeatedly tried to get a refund from XXXX XXXX to no avail. Since they were ignoring my request for a refund, I submitted a dispute with my credit card company through Bank of America. 

I submitted proof of my payment of {$2500.00} to XXXX XXXX, a statement from my dental insurance showing that I was to pay XXXX XXXX only {$850.00}, and requested a charge back in my favor of {$1600.00}. 

They responded with a letter saying that my claim was denied due to insufficient documentation. I called the dispute center and spoke to a supervisor who said that he could see that all the documentation was there. He said that he would reopen the case and I should hear back from them, shortly. 

Today, I received a letter from Bank of America saying they were investigating my claim against XXXX XXXX XXXX in the amount of {$100.00}. I never submitted a dispute against XXXX XXXX XXXX! Bank of America should not be disputing any payment I made to XXXX XXXX XXXX. 

I respectfully request that you help me recover the {$1600.00} due to me from Bank of America. The dispute has been properly documented and clearly shows that I was overcharged by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I applied for a XXXX XXXX XXXX on XX/XX/2022. I was denied and given an adverse action letter that states information from XXXX was used to make their decision. However, my Experian credit report was also pulled and resulted in a hard inquiry there too. There is no permissible purpose here because that specific credit report wasn't even used to make a decision.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE 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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE 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 2022-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, I had a leased vehicle with Ally Auto and I transferred it to another person last month. At the time of transfer I specifically confirmed that I will no longer get billed for the vehicle from the next month onwards. My account was on XXXX XXXX where my savings account would get debited, and the agent said I will no longer be billed. 

This month my savings account got debited and when I called in Ally said they can't reverse the payment! They said it was my responsibility to cancel the XXXX! I no longer have access to the account so I don't know how to cancel anyway. 

I complained that why are they sending a bill to my account anyway when XXXX mo longer have business with them! They refused to take my complaint as well. 

This is my savings account and I needed the fund to make a purchase towards my house and now I don't have enough funds to do the transaction! 

They are asking me to contact my bank to stop the payment! This is illegal.

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My personal identification information was obtained by a fraudulent actor who opened an account in my name at the TD Bank and they did not notify me until they already opened an account. I want to ensure that TD Bank has adequately protected my information from additional fraudulent activity and that the fraudulent account opened in my name has already been closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so 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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, truist online was down. It showed my balance in the positive, and the next day my account was in the negative, hit with an overdraft fee. 

Truist acknowledged their site was out on the XXXX, and getting in contact with someone takes over an hour and is impossible. 

Now, I'm trying to get in contact with truist because I over paid my Truist credit card by over XXXX $ because you can not see pending payments on their website for the credit card ( you can see everything else, including transactions and posted payments, you manage your card un the same portal/lock it report it stolen etc. You should be able to pending payments. I can not get in COntact with them to cancel it. 

Anyways, this is my second emergency, and I haven't been able to contact truist in over three weeks because it's always a 50 minute wait time.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed unauthorized inquiries on my report. 

JPMCB Auto Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX financed my new house in XXXX, TN with the " Intention '' of servicing the mortgage themselves. 
Instead they sold the mortgage to PHH Mortgage. 
In and of itself, that is not an issue. The issue is that I made monthly payments and the XXXX payment seems to have not been recorded as paid. ( sold XX/XX/2021 ) I submitted the XXXX  XXXX XXXX XXXX 30 days ago via fax and email indicating the payments had been made, but so far, PHH has not responded and are still showing me late for XXXX when in actuality, XXXX was made on time and they credited the money towards XXXX.

Company response to consumer: Closed with explanation