vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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 XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/22 a payment was sent from our XXXX XXXX credit card to Venmo to pay an individual, Friend X ( not real name ). Friend X was unable to pick up the payment through Venmo. The {$1500.00} payment to Friend X was pending in our Venmo account until XX/XX/22. Contact with Venmo rep XXXX on that day reported this was an error and a claim was filed to credit the {$1500.00} to our account. As of XX/XX/22, there was no credit to our Venmo account and now no evidence the transaction was ever pending. The {$1500.00} payment to Venmo from XXXX XXXX had disappeared from our Venmo account. Contact with a Venmo representative on XX/XX/22 resulted in insistence that the {$1500.00} payment from XXXX XXXX was declined and never went through. However, there had been a pending {$1500.00} payment to the Friend X until XX/XX/22. Likewise, we had evidence of the {$1500.00} payment to Venmo on XX/XX/22 from our XXXX XXXX card ( which we have an XXXX XXXX reference number for ) and we have since paid XXXX XXXX for this charge. Contact with Venmo ( XXXX and XXXX ) on XX/XX/22 resulted in escalation of the account to an account specialist. Contact with XXXX at Venmo on XX/XX/22 reported that the issue continued to be with acct specialist and we needed to be patient. Venmo has reported to us on multiple occasions that the {$1500.00} from XXXX XXXX never went through, however, this is not the case as the pending payment to Friend X for the {$1500.00} transfer was pending in Venmo account until XX/XX/22 ( and we have confirmed with XXXX XXXX that the transaction went through ). Repeat contact with XXXX at Venmo on XX/XX/22 resulted in the same run around with no new information. We are told this issue will be escalated again to an account specialist but contact with account specialist can only occur via email. We have never been able to speak to an account specialist to find out where things stand. Meanwhile the original payee, Friend X who could not pick up the payment, has disappeared entirely from our Venmo account ( again as if it never occurred ) and the account continues NOT to have the {$1500.00} that was paid to Venmo from XXXX XXXX. It is as if the history of the entire transaction was erased. We are concerned that this is a scan from person ( s ) within Venmo since they refuse to resolve this conflict and we have evidence of the XXXX XXXX payment to Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act this CitiCard Account has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$100.00} 3. XXXX XXXX Account Number : XXXX Bal : {$840.00} 4. XXXX XXXX Account Number : XXXX Bal : {$2800.00}

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a letter to my mortgage company requesting the removal of PMI due to me reaching 20 % equity in my home. On XX/XX/XXXX a home inspection was performed by the mortgage company and paid for by me to assess the value of my home. I receive numerous emails from the mortgage company indicating the " new value '' of my home is {$390000.00}. My current mortgage balance is {$230000.00}, resulting in an LTV ratio of around 60 % ( or 40 % equity ). Despite this, the mortgage company continues to deduct PMI from my escrow account every month. I reached out to the mortgage company on XX/XX/XXXX seeking explanation of the status of the removal of my PMI payments. I received no response from the mortgage company and PMI continues to be deducted every month form my escrow account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been asking this CRA to provide a consumer credit report since XX/XX/2021. With each request, I provided my Identification, a current utility bill and also my social security card. equifax continues to IGNORE my request. I have sent in a request 4 times with identifying information only to be denied my consumer report. Also, they will not allow me to access my consumer report online. I also provided proof to this CRA about the numerous unauthorized inquiries on my report only for them to tell me, inquiries are a factual report, which we all know is another LIE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I purchased some items from XXXX they issued credits back on the card. Citizens claims they havent received it but XXXX verified numerous times with citizens they had issued the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-08-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-08-10 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: MA

Complaint narrative:
I am filing a complaint on Equifax. They assumed responsibility of my credit report ( 15 U.S. Code $ 1681a Congressional findings and statement of purpose # 3 ). Congress made it clear that Equifax assumed this role, and I never gave them my consent. Equifax did not have my consent and they violated my privacy by sharing my consumer history with financial institutions without consent ( Title 15 US Code 6821 ). They have tarnished my consumer report. Equifax was being unfair, impartial, and didn't respect my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out numerous times to Experian to have XXXX XXXX XXXXXXXX XXXX XXXX XXXX removed from my report, to no avail. XXXX and XXXX have removed the address. I live in the state of XXXX  and have provided my updated address information. I am not at that address and would like to prevent identity theft with credit card offers & etc. still going to that address. I have reached out to the creditors as advised and the supervisors they can't update my address on closed accounts. I contacted the creditors for the open accounts and they have been updated with my XXXX  address with the creditors.

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 2022-08-10 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: OH

Complaint narrative:
In XXXX I leased a brand new XXXX XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the XXXX XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

XXXX has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the XXXX XXXX back in XXXX of XXXX. 

I called XXXX 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased XXXX XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the XXXX XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of XXXX. The USDA XXXX XXXX XXXX program, says the debt to income ratio shows that my debt is over extended because of 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 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
This company ran my credit and redirected me to multiple sites having me re enter my information. Now my credit has been compromised and there are many accounts opened using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank mis-allocated payments between promotional balances. They acknowledge it was their mistake and apologize when I contact customer support and billing, yet they still report late payments to credit agencies which damages my credit score. I make all payments in full and on time exactly to the terms of their contract, but they refuse to correct their reporting error. Synchrony Bank does not operate with integrity.

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 2022-08-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. 

Please review attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a XXXX XXXX XXXX  card ( through Comenity Bank ) at the store when I bought jewelry in or around XXXX. I consistently made payments on the balance. When the pandemic hit, I experienced financial difficulties, so my social worker helped me negotiate a payment plan with Comenity Bank. I began making payments pursuant to the plan. 

In XX/XX/XXXX, I received a billing statement, indicating a total balance of {$1200.00} with a payment due date of XX/XX/XXXX. I was able to pay off the entire balance at that time so I called Comenity Bank. The Comenity representative on the phone confirmed that I could pay off the balance and owe nothing further to Comenity. I immediately went to Kay Jewelers to do so ( XX/XX/XXXX ). 

Despite paying off my entire balance by the due date in XXXX, I am still being charged interest and late fees on my account. I disputed this with Comenity, but they claim that this is valid because I was not eligible for a grace period. I was paying pursuant to a covid hardship payment plan and dont understand why they are doing this. 

I am an unemployed XXXX senior trying to survive on social security alone. This has been particular stressful for my health. My local Legal Aid office assisted me with completing this complaint. You can contact attorney XXXX XXXX for any questions at ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief