vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022, I purchased the merchandise from XXXX XXXX XXXX. XXXX ( XXXX  ). On the merchants website, it showed the price of the merchandises in both XXXX Dollars and US dollars. I selected to purchase in XXXX Dollars using PayPal service which is charged to my XXXX credit card. 

After my order, I saw that the charge on my XXXX credit card from PayPal was almost XXXX XXXX XXXX dollars higher than the amount that the merchant shown on its website. Thus, I decided to cancel my order with the merchant. The cancellation was confirmed verbally via phone call and later confirmed by email by the merchant. 

On my XXXX statement, it showed that I was charged by PayPal in the amount of {$6100.00} and refunded in the amount of {$5800.00}. The difference between the two amounts was {$240.00}. 

I contacted XXXX and their response was unable to adjust the amount of differences. I also contacted PayPal but not satisfy with their response. 

After that, I also asked for help from XXXX XXXX XXXX XXXX ( XXXX ) which ia affiliated with XXXX television. On XX/XX/2022, XXXX XXXX XXXX XXXX informed me that there was no response neither from PayPal service nor XXXX credit card company. 

In my opinion, PayPal should refund to my credit card account in the same amount that I was charged in US Dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I'm respectfully requesting that a 30 day late payment be removed. Thought I opted for automatic payments but I guess it didn't go through. So I'm wanting to remove from my credit report that the 30 day late be removed so I can purchase a home. The loan has been paid off on XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo created a fake credit card in my name. I was never notified about this until they started piling fees onto the card, closed the account after the amount owed was about {$100.00} over the spending limit for the card, and sent it to collections, at which point I started getting phone calls. Since then, I was given a settlement check in the class-action lawsuit about this issue, but the account still shows up on my credit report. I tried disputing it with the credit agencies multiple times to no avail, and then with Wells Fargo themselves, and it is STILL on my credit report - it looks like they actually reopened it and reclosed it due to my complaint, which will keep it on my credit report for another 7 years, even though I never applied for a credit card, never received one, and never signed anything, AND the company recognized their actions against me as unlawful ( I received a settlement check ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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: LA

Complaint narrative:
In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}

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 2022-07-19 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: LA

Complaint narrative:
In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: MI

Complaint narrative:
I have several inquiries that I did not authorize, I have no account with these companies and when I reached out the companies couldnt give me any info in regards to the matter.I contacted equifax to let them know about these Unauthorized inquiries and they will not remove them here is the list of inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Last XXXXXXXX XXXX I applied for a purchase money home mortgage with two lenders, one of which was Rocket Mortgage ( the other was a XXXXXXXX XXXX ). Rocket provided an estimate of charges ( Loan Estimate ) which included under the section " Loan Costs ; services you can not shop for '' a listed appraisal fee of {$1100.00}. They required me to provide a credit card for the credit report and appraisal fee at the onset of my application. When I got my credit card statement ( copy enclosed ), they had charged me not the {$1100.00} quoted, but a whopping {$1900.00} appraisal fee which was {$760.00} ABOVE the estimate ( a 65 % excess over quoted charge ). Incidentally, the other lender 's appraisal fee ( for the exact same property at the exact same time ) was {$690.00}. I have previously contacted Rocket Mortgage and my credit card issuer, to no avail. After questioning Rocket Mortgage about the disparity between the estimate and bill, they provided me with an invoice ( copy enclosed ) showing {$1900.00} from a vendor " XXXX  '' whom I had never previously heard of and had not authorized sub-contracting to or hiring. In defense of my claim of excessive and unauthorized Appraisal Fee charge, I enclose the monthly statement from XXXX XXXX where the charge was first posted. NOTE that on the same statement, the {$690.00} appraisal fee from XXXX XXXX also appears. 
Also Enclosed is a copy of the Loan Estimate where, on page 2, under Closing Cost Details, Item B '' the appraisal fee is listed as {$1100.00}. This is the only amount I authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX CXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 explanation
Consumer complaint received 2022-07-19 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 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 2022-07-19 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 # 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 2022-07-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

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

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX account # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC
State: NY

Complaint narrative:
My vehicle was in an accident on XX/XX/XXXX and deemed a total loss. 

The insurance XXXX, XXXX, identified a settlement amount of {$37000.00}. This number was greater than both the capitalized cost XXXX, adjusted capitalized cost {$32000.00}, and residual value, {$22000.00} as indicated on my lease agreement dated XX/XX/XXXX. 

on XX/XX/XXXX a payout from the insurance XXXX was conducted for {$29000.00} to XXXX XXXX XXXX XXXX the total payout amount quoted on the vehicle. and {$8400.00} to Credit Union Leasing of America ( CU Leasing Corp ), the title holder of the vehicle. 

Per Section 16 of the lease agreement VEHICLE ACCIDENT AND DAMAGE LOSS OR DANGER AND GAP - " If the vehicle is damaged beyond repair or is lost or stolen and recovered, the vehicle is a " Total Loss '' and the Lease terminates. I realize you have no obligation to replace the Vehicle. If the Total Loss is a result of my intentional, fraudulent or criminal acts, I will owe the early termination liability set forth in Paragraph 17. if the Total loss is not a result of my intentional fraudulent or criminal acts, I will owe the sum of the deductible under my policy, any past due amounts under the lease, including the lease payments, that accrued prior to the date of the Total Loss, and any other deduction made by the insurance company when it honors your claim based on the condition of the Vehicle prior to the total loss ... '' Despite the clear terms of the Provision 16 of the Lease agreement that indicated that the lease would be terminated and that I would owe any deductible plus any past due amounts under the lease ( all fully paid ). Credit Union Leasing of America ( CULA ) kept the extra amount of money on the lease in excess of the quoted payout amount {$8400.00}. Instead offering me a mere payout of {$2500.00}. When I reached out to CULA they were unable to articulate why they were entitled to the excess payout amount of {$8400.00}. 

This appears contrary to the contractual terms of the lease agreement and further was the exact difference in value between my previous lease and new lease for the exact same vehicle, leaving me in a worst condition than I would have been with the full insurance payout in excess of the quoted amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
i notice a alleged debt of XXXX on my credit report from Paragon Revenue Group on XXXX that i don't owe, so i sent them a letter requesting the validity of the alleged debt with my USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX, and i haven't heard from them concerning this matter.i have attach a copy for your reference below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NC

Complaint narrative:
Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Referencing back to complaint XXXX on the date XXXX Referencing back to complaint XXXX on the date XXXX. 
This is an existing issue that still has not been resolved by MIDLAND FUNDING LLC. 
On XX/XX/2022 I, the consumer sent MIDLAND FUNDING a debt validation letter. On XXXX XXXX I, the consumer sent MIDLAND FUNDING LLC a cease in desist letter ; in response to your letter XX/XX/2022 you wrote that a cease and desist restriction only stops phone calls and mailings but in fact the law defines " communication '' when ceasing communication pursuant to 15 usc 1692c ( 2 ) " the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As I stated to you before my consumer report is in fact a medium so MIDLAND FUNDING LLC is breaking the law. On XX/XX/2022 I, the consumer sent MIDLAND FUNDING LLC an affidavit of truth via certified mail of all violations against me. On XX/XX/2022 I, the consumer sent a Fraud/aggravated identity theft letter to MIDLAND FUNDING LLC for not having my written consent nor permission to have my SSN which is aggravated identity theft in accordance with 18 U.S.C 1028A. As the original creditor I did not extend credit to MIDLAND FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: OR

Complaint narrative:
My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company XXXX my consumer profile denying my credit because of unauthorized inquiries. 
On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation