vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: SC

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and 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 2023-02-06 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: MI

Complaint narrative:
XXXX Bank XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXX Michigan XXXX. Any information contrary to my name and address is incorrect and should be removed.

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 2023-02-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is allowing XXXX to steal money from my account without attempting to dispute any claim at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: VA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2023 XXXX XXXX accepted a levy filed from Goldman Sachs on the behalf of a Court Receiver. The account levy did not originate from the state in which the debt was owed. The loan origination was in Texas while the account was in California. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied did not belong to me it belonged to my elderly parents. They opened a savings account in California for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I got a 1099-C form in the mail from Syncrony Bank . Upon talking to the agents from Syncrony Bank, I have realized that this amount on the 1099-C for {$800.00} is from a Walmart Credit Card that Syncrony use to hold and was sold to XXXX XXXX which now has it. I do recall the sale of this card and the transition went flawless from Syncrony Bank to XXXX XXXX. I also recall the balance transfer at the time of the switch over was the exact amount that was owed when it was with Syncrony. My complaint is that I will have to file this 1099-C as income this tax season and I will have to pay taxes on this with the US Government this year and since my balance was flawlessly transferred from Syncrony to XXXX XXXX XXXX if I was to pay my balance in full with XXXX XXXX ( I still have this Walmart Card active with XXXX XXXX ) I will be paying this total twice! It is not my fault or the fault of consumers that Syncrony settled all of their Walmart accounts with XXXX XXXX for a lump sum payment for XXXX XXXX to take over the Walmart cards and then try to fraud the consumers into paying the Charge offs so that Syncrony could not assume this debt. If you were to buy a house for {$70.00}, ooo and in turn sale said house for {$50.00}, ooo you DO NOT try to go back and get them to pay the other {$20.00}, ooo through a charge off through the tax system. That is FRAUD, and BASICALLY UNETHICAL BUSINESS PRACTICES. This company should not be able to regulate ANY credit Cards in the future and I do have an Amazon Card which is currently in good standing with Syncrony Bank as its provider currently and I am thinking of closing this card as well because of this situation. It is my belief that Syncrony Bank is doing this simply because most of American People are to busy to really dig into this and will just file the added Income on their 2022 tax return and just move along.

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 2023-02-06 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-02-06 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Innovis assumed a role and is reporting accounts that are under litigation via borrower defense for misconduct and fraudulent practices. These US DEP of education accounts are incorrect and should not be reported while under investigation. I want these accounts removed immediately or I will seek legal action against Innovis as well. 
XXXX XXXX is a federal regulation issued by the U.S department of Education. This school violated the law, misled me, performed misconduct and I suffered monetary harm. 
XXXX XXXX Case # XXXX filed XX/XX/2022 US Dep of Education XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc.
State: VT

Complaint narrative:
Someone opened a credit card that I just realized was on my account and it it broke my XXXX XXXX XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
happy day Please could you help me with my PayPal account? 

I frequently XXXX XXXX XXXX XXXX XXXX XXXX through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 

When I opened my inbox, I just received a notification from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .This was a system error, I thought. 
I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 
Customer care informed me that a system had automatically blocked my account and those of others when I called with my issue. 


Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 
Hopefully, I can rely on you for this. 
I'm incredibly grateful for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Received a text from XXXX. It states " XXXX & XXXX We notice unrecoqnized debit transaction on your acct, verify to secure ''. 
Web site included is " ( XXXX XXXX XXXX ) I believe this is a scam.

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 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My loan was sold to Freedom Mortgage on XX/XX/XXXX. I did not receive the notification by mail informing me of this. Additionally, my loan has always been on autodraft, and they removed my loan from autodraft without telling me. Their notification of delinquent payment was delivered to my neighbor who was gone for 2 months. He returned this notice on XX/XX/XXXX. I paid all outstanding payments on XX/XX/XXXX. When I called to discuss this issue the first person i spoke to said my credit score wouldn't be impacted. I spoke to a second person and they informed me that the post office delivering to the wrong address wasn't their issue and that they would be notifying the credit bureaus. 

I have never missed a loan payment in my life. I setup my loans on autopay on all my payments because of my travel and work schedule. In my entire time of having this loan, the purchase/sale of my mortgage has never resulted in auotdraft being removed. 

The loan is current. I do not want my credit score impacted by poor behvior from Freedom Mortgage or delivery errors by the post office.

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 2023-02-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything is being reported accurately 15USC 1681i I waited 30 days and i have not received anything back in the mail. 

XXXX, Equifax and XXXX are holding me back from trying to buy a house and this is very frustrating because they are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource management has not provided me with any validation to verify how or when this alleged debt was acquired, I have sent them a written notice by USPS-certified mail and a follow-up letter as well. They have not done anything to resolve this matter. Based on consumer laws I've researched I now KNOW I have a right to privacy. 
This company has acquired my personal information without my consent and put a debt on me. To my knowledge, I have no contract with this company or the original creditor, so I am confused as to why they are damaging my credit. 

I am aware of my rights as a consumer and this company is in serious violation. 
The account is as follows on my credit report. 

Credence Resource management XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I wired {$1000.00} dollars from Marcus by Goldman Sachs on XX/XX/23 and Marcus deleted the wire and never sent it. The bank, XXXX, that was supposed to receive it sent me an email asking why Marcus kept refusing to send money. On XX/XX/23 I then sent an online transfer of {$900.00} dollars to XXXX from Marcus by Goldman Sachs. Instead of send the money this time, Marcus lists it as pending on their end but posted on my end when XXXX never processed the funds and listed them as returned, while Marcus listed them as pending. I then asked for my money to be put in a check and sent to me and they refused my request illegallyXXXX XXXX refused and returned all Marcus by Goldman Sachs Transactions . I am requesting a trace of the {$900.00} and a check be issued to me for those funds when recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NJ

Complaint narrative:
I called experian about an inquiry from experian business credit pulled on my report without my consent. I have already called to dispute this hard inquiry to have it removed

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 2023-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had a paypal account for multiple years, using their debit card option for the same amount of time. Using mostly for things like online shopping, convenience stores, gas, etc. I make the same type of purchases at the same places religiously. 

I've never had problems with my account, so I decided to have my financial aid for school deposited into the account. I'm just a student, I don't work, so this aid would be my means of living for the next few months. 

The financial aid was deposited on XX/XX/2023. 

I made a few of my usual transactions, nothing out of the ordinary, then after trying to make a transaction I was shocked to see it declined. 

This was not more than 2 days later, on XX/XX/2023. 

Quickly realizing my account was marked " limited '' I immediately called customer service to try and sort this out. Customer service tells me not to worry, it will get handled swiftly, and tells me she doesn't even know why it was limited but tells me it will be handled asap. 

The customer service agent then tells me I can still use my card at the store, and I confirm what I'm hearing is correct 3 times with her, and each time she insists that I can use it. 

I test her claims at the gas station just to be declined at the pump. 

I decide to give it two days, as the notice on my limitation tells me I will hear from them about this limitation on my account within 2 days. But, I did not hear back. 

XX/XX/2023 XXXX message paypal support through their message support feature. The agent tells me it is limited because of a transaction. Which transaction, she doesn't know. I tell her I can supply her with any information they could possibly need for me to confirm my identity and confirm I made any transaction. 
I offered my updated drivers license I offered proof of address I offered standing in front of my ID to confirm its me sending it. 

She says they don't need any information from me and gives me the usual script of not to worry. 

XX/XX/2023, I message again and again they tell me to " give it a couple more days it's just a matter of time ''. I am basically begging them to let me confirm my identity or if theres a transaction in question let me prove whatever it is they need to give me access to my funds. Still, the answer is no. 

It's now XX/XX/XXXX. I can't transfer my funds, I can't close my account, I can't use any of my money to buy textbooks I need for class which will result in me having to drop my classes and ruin an entire semesters worth of time. I can't buy groceries, gas, fix my car which just broke down, paying my school registration fees, virtual products I need for my classes, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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