vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
XX/XX/2022 I called Highland Homes. The sales rep informed me about XXXX XXXX. Seen the property and talked to XXXX XXXX. XXXX told me the next step was to talk to the loan office. So, I spoke to the loan officer, applied, and uploaded all my documents. 

XX/XX/2022 I spoke to the loan officer that morning. Due to miscommunication about the rate and incentives, I drove XXXX minutes back to XXXX to talk to the salesperson ( XXXX ). I was told the final numbers would be available by the end of the day Saturday. Unfortunately, I never received the final numbers to purchase XXXX XXXX. Nor did I receive the application, sales contract, the amount of earnest money, and how and when to pay the earnest money. In addition, I also reached out to the builder and requested to work with another salesperson. 

XX/XX/2022 I spoke to another sales associate who informed me that the earnest deposit was {$5000.00} and I should receive the final numbers by the end of the day. 

XX/XX/2022 I received an email from XXXX telling me the property had sold. This was the only time XXXX responded to any of my emails. According to the internet, this house is now pending sale. I spoke to the Division Manager, XXXX XXXX. I informed her of what had happened to me. She told me she would investigate it and get back to me ASAP. 

XX/XX/2022 XXXX called me back and asked about my experience. But unfortunately, she did not provide any clarification as to what happened. So, I contacted the new salesperson to inquire about XXXX XXXX XXXX. XXXX sent the buyer sheet. 

XX/XX/2022 I sent XXXX back to the buyer sheet and asked several questions. 
XX/XX/2022 I received an email from the loan officer informing me that the XXXX XXXX rate had expired. 
XX/XX/2022 I still havent received a response to my concerns. 

I firmly believe there were deliberate actions taken and a refusal to sell me the house at XXXX XXXX. 
If I had been adequately informed and received the information to pay the earnest money and sign the sales contract before XX/XX/2022, the purchase price would have been $ XXXX with a XXXX XXXX rate. Now, I am looking at another house that is $ XXXX with a XXXX XXXX rate. The projected monthly price is {$800.00} higher. 
XXXX retaliated against me after reaching out to corporate and asking for another sales rep. I would like to understand why Highland Homes refused to sell me the house at XXXX XXXX and why they are refusing to sell me the house at XXXX XXXX. 

Below are the questions I asked but never received an answer to. 
- What is the usual process for buying a house from Highland? 
- When did XXXX XXXX go under contract? 
- When did the person buying XXXX XXXX see the house, apply, obtain a pre-approval, and pay the earnest money? 
- Why did Highland Homes have me reach out to the loan officer, obtain a pre-approval if their intention was never to sell me the house on XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is complaint against Synchrony Home Design Credit Card. I had this card over 2 years now. But when I did my refinance back in XXXX my title company issued a check of the full amount on the credit card. They posted the payment at one point and then they reversed it back on the account in XXXX and since then they are reporting my account past due. I called them multiple time to fix this but they are not cooperative at all. I had a brief call this morning to find out what is going on with that account. The account manager tells me that there was some more information required in order to process the payment which I was never informed prior to today. She also claimed that they still have the check in their possession. I asked them what information they need and once I provide that how long will it take to resolve this issue she tells me it can still take up to another 60 days which I feel it should not be as everything on the account currently is because of their mistake. I would like to resolve the issue at the earliest.

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 2022-11-30 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: TX

Complaint narrative:
I have called many times and keep getting the run around. They will not make the repair to the report and it is costing me money because of my interest rates are going up. 

For some reason they wiped out all my credit age. It use to be 12 years, 2 months. Now it is 1 month My credit score use to be XXXX, NOW it is 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 non-monetary relief
Consumer complaint received 2022-11-30 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: 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. 

Account Name : US Bkpt. Ct. XXXX XXXX Account # XXXX Account XXXX  : XXXX XXXX XXXX Account # XXXX, Account XXXX  : XXXX  XXXX Account # XXXX, Account XXXX  : XXXX Account # XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX  : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  Account # XXXX Account # 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 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 seven 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 non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: SC

Complaint narrative:
As a protected consumer in the U.S. I have protected rights under the FCRA. 
This company has violated my Consumer rights by : 1. violating my right to privacy 2. This debt buyer did not have permissible purpose to obtain a consumer report.
3. As a protected Consumer I am entitled to know how your credit information is reported, handled and used by a credit bureau. The Credit bureaus did not let me you know how my credit information was being used so they have violated the FCRA by reporting this information. 
4. The credit bureaus were notified of my dispute of this past due collection account but, has failed to correct the information within 30-days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: IN

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-11-30 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: IN

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-11-30 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
Isnt resolving disputes billing errors 15 USC 1666B Under 15 USC code 1692j - furnishing certain deceptive forms I am not participating inn the collection of this alleged debt. Cease and desist " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello cfpb, I hope you're all doing well, I'm contacting you because recently I'm having a problem in my PayPal Account which they sent me an email just today XXXX XXXX saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. '' But in my case I didn't do anything that broke PayPal rules and user agreement as the money I received " XXXX $ '' on XXXX XXXX was from XXXX of my friends to help in my hospital expenses as I'm sick no and another payment in the same day XXXX $ which was from another friend so I tried to withdraw my money from PayPal but suddenly I received today the email that I didn't even expected because I've been using PayPal for a long time now without any problem so I called their customer support but they said they can't do anything and they didn't give me any explanations about why my account limited for 180 days and I can not transfer money to my bank account till after this period but I told them that I really need my money now to pay my hospital expenses but they didn't care although I didn't do anything illegal through my PayPal account and my informations are 100 % real but I don't agree with this decision so I want my account to be restored so I will be able to get my money as soon as possible Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My mortgage recently service released to Freedom Mortgage. During that process I was advised by freedom mortgage that my account was late at transfer and my payment has increased significantly and the reasoning for which is not supported as my account is not and has not been delinquent. At this point I want evidence of proper escrow analysis for the duration of my mortgage.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment is {$390.00} as on the sale contract too. but on my Equifax report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Equifax report 62 months. The address on the sale contract incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and XXXX XXXX refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not one who opened this acct XXXX  ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX XXXX XXXX XXXXXXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX XXXX who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and money lion refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX  refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX years ago XXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX pppm who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX XXXX even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXXXXXX XXXX and XXXX XXXX refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX XXXX XXXX XXXXXXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX XXXX  who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from 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 non-monetary relief