vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.

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 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
On XXXX XX/XX/XXXX, the XXXX Department, Revenue Division of the City of Kansas XXXX, Missouri ( XXXX ) notified me by mail that they are attempting to collect a city earnings tax. The FD-KCMO notice claimed that I owed a XXXX " profits '' tax of {$660.00}, including penalty and interest ; the notice, however, contained absolutely no documen- tation, computations or any evidence to support its claim. By letter dated XXXX XX/XX/XXXX, I informed the FD-KCMO that my only XXXX income was from Military Retired Pay ( {$37000.00} ), Social Security XXXX XXXX {$16000.00} ) and interest ( {$340.00} ). These same amounts were listed on my federal and state income tax returns. The XXXX 's XXXX website clearly states : " Retirees whose income is from Social Security XXXX XXXX, retirement accounts and other non-earned income sources do not pay the e-tax. '' Notwithstanding my reply to the FD-KCMO, it then submitted my alleged debt to a local collection agency. I then made a written demand to the collection agency to provide validation of the debt pursuant to the FDCPA. In my letter, I demanded " copies of all documents and/or computations '' that purport to support the claim of profits taxes. I also put the collection agency on notice that the XXXX 's XXXX recitation of the claimed debt would not suffice. Nonetheless, the collection agency 's " validation '' of the alleged debt merely repeated the FD-KCMO 's XXXX of profits taxes, and included no supporting evidence whatsoever. The collection agency then informed me that, having provided the required " validation, '' they will resume collection activity. 

In short, the FD-KCMO is making a bad-faith attempt to collect a fraudulent debt. It continues to refuse to provide any evidence to support its claim for XXXX profits taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am a veteran assuming another veteran 's VA loan. VA XXXX XXXX XXXX XXXX dated XX/XX/XXXX provides numerous amounts of information and requirement for VA loan assumption and associated mortgage processors. Included in this is the requirement to close these loan assumptions in XXXX calendar days. Circular Circular XXXX dated XX/XX/XXXX provides PENALTIES to these companies for failing to comply with the XXXX calendar days, including removing VA guaranty on loans and civil penalties. This is also codified under 38 C.F.R. 36.4303 ( l ) ( 1 ) ( i ). 

Our seller provided an authorization on XX/XX/XXXX. We've been told by several individuals the authorization to assume was on file, and numerous others have said there is no authorization on file. Eventually we got ahold of someone in the assumption department. This department has no direct number. No direct abilities to contact. Most the regular customer service representatives don't even know how to contact this department if i had not already secured the extension number. 

Eventually we were able to get ahold of someone in this department. We scheduled an " intake '' appointment on XX/XX/XXXX that would not take place until XX/XX/XXXX. From this date, closing MAY NOT be for AT LEAST XXXX calendar days. One representative told us to not expect the loan to close for at least XXXX calendar days. 

After the intake appointment on XX/XX/XXXX, we have to wait XXXX business days for some random e-mail with an upload link to provide documents. You think a streamlined company would provide this e-mail link immediately once the assumption form was received so those documents would be submitted before XXXX on XXXX call with a loan XXXX on XX/XX/XXXX. NOPE, not with Freedom Mortgage. 

We've had several calls from representatives saying " call us back ''. We call them back, and they have no idea why they called us. We've asked about the VA loan circular, and they have no idea about it nor do they know how to comply with it. Numerous reps cant find an authorization to speak to us, cant find the loan assumption form. 

Its very obvious Freedom Mortgage wants people to apply for new mortgages, and they drag their feet. Loan assumption fees are capped by the VA at {$300.00} instead of the multiple XXXX of dollars they make from a new mortgage loan. Our assumed loan is also very low interest compared to current rates which is also affecting their balance sheet. 

Since I am a veteran, assuming another veteran 's loan, my next e-mail is to the VA XXXX XXXX XXXX XXXX per the VA XXXX on VA XXXX XXXX assumptions.

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 2024-04-26 00:00:00
Product: Credit reporting 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting 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: WV

Complaint narrative:
I will attach the file from my FTC 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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Early Warning Services XXXX XXXX XXXX XXXX XXXX AZ XXXX RE : Consumer ID # XXXX Ref # XXXX Dear Early Warning Services : I have received your recent response to my initial inquiry and request for verification of Account Abuse/unpaid ( {$150.00} ) from XXXX XXXX XXXXXXXX XXXX Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from XXXX XXXX XXXXXXXX. 
Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by XXXX XXXXXXXX XXXX. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. 
The full names, addresses, and direct telephone numbers for each of the individuals at XXXX  XXXX XXXX that you contacted in the course of your investigation Please also be advised that a verbal confirmation from XXXX XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 
Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of [ State ] Attorney Generals office, if the matter is not satisfactorily resolved. 
If you are unable to furnish the validation specifics listed above, and the Account Abuse/unpaid ( {$150.00} ) is not removed from my Early Warning Services file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. 
To facilitate the swift correction of this matter, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX XXXX Fl XXXX Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
In XXXX of XXXX, I reached out to the company, requesting that proof of ownership be provided for this account. The company only sent in return a one page statement of purchases with nothing else to prove ownership. I then asked the company to cease all debt communication until proof of ownership was provided. The company continues to call and email about this debt. I also provided the company with a notification showing that I had been a victim of identity theft, but they failed to respond to that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This complaint is regarding my XXXX Credit card with Synchrony Bank XXXX XXXX for the same project : {$10000.00} {$7400.00} At the time of purchase XXXX was running a 0 % promotion for 36 months if ordered by XX/XX/year>. I signed my contract and provided my payment details to my sales rep on XX/XX/year>. The store did not actually run my credit card till XX/XX/year> and processed my order as 24 months 0 %. 

I set everything up on auto-pay and never look at my statements. It wasn't until XXXX when I purchased a new refrigerator from XXXX did I notice that my promotional end date did not line up with what I setup for auto-pay. When I called Synchrony to get it fixed, they said that I needed to go to the store and speak with a XXXX to get it fixed. I did that the very next day and I've been getting the runaround ever since and now they are stating that Synchrony is " unable '' to honor my promotional offer of 36 months at 0 %. The money that it would take for me to pay this purchase off by XXXX of this year, I simply do not have, nor can I afford. I need them to honor the promotion that I signed up for and that was advertised in order to prevent me from going into default or having to pay all of the interest from day 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 monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I had created a paypal fundraiser as soon as I did receive money paypal locked my account for 120 days on XX/XX/XXXX I did receive an email that my funds are eligble for withdrawal! 
when I tried to add a new debit card to withdraw my funds i received an error I called customer support and spoke a woman in the phillipines who could not even speak proper XXXX she told me to wait! 
I waited XXXX week tried again still not possible to add my debit card for withdrawal I called again and spoke a person who said he cant let me add my new debit card! 
so basically everytime I call I get a different reply which is just to waste my time and give me fake excuses! PAYPAL IS A SCAM. THEIR CUSTOMER SUPPORT AGENTS ARE WELL TRAINED SCAMMERS TO JUST TELL YOU NONSENSE AND KEEP YOUR MONEY. I AM GOING TO CONTACT THE FBI NOW! THESE SCAMMERS MUST BE TAKEN DOWN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  is not my account. This account is showing as a collection on my credit report. 

I had a syncb/jcp account before but that account is current and active. Opened XX/XX/XXXX Not sure where XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Pursuit to 18 USC 8. I owe no debt. This Company is violating my constitutional rights to privacy pursuant to 15 USC 168 1b 2. Company has NO permission to report ANYTHING using my info pursue it to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I filled out all the info online to make the XXXX XXXX, 2022 deadline for XXXX and sent it into MOHELA via registered mail with plenty of time ( almost XXXX weeks ) to spare. I never got any response at all. 

My loans were not transferred over and I was not able to begin the forgiveness process. Right now, despite making 10 years of what SHOULD HAVE BEEN qualifying payments, it says I have XXXX qualifying payments and I still owe almost as much as when I started. The XXXX government made me a promise and I held up my end of the bargain. It is outrageous that the program has been mismanaged so badly that we are left holding the bag.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company has illegally given my information to another company, halstead, who is harassing me, posing as law officials and lawyers, contacting me via email without my consent. This is a form of bullying and manipulation of a XXXX person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank complaint : XXXX Citibank account number : XXXX Account holder : XXXX XXXX Description of problem : Citibank closed my account for no reason and refuses to allow me access to my funds. They have not given me assurances that I will ever receive my funds and if I do when I will receive my funds. They have also not given me assurance that I will receive my direct deposit that is scheduled to go into that account. Most of the money I own is in that account and I can not afford to survive without it. Over XXXX dollars is being withheld from me.

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 2024-04-27 00:00:00
Product: Credit reporting 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:
Macy 's and XXXX XXXX are reporting late payments to my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2, 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 end credit plan as late for any purpose if they don't send a set of guidelines before the payment due date.

Under 15 USC 1681a ( 2 ) i credit agencies can not report transactions or experiences ( such as late payments ) without my written consent.

Under 15 USC 6802 states that credit agencies are supposed to disclose that they are putting a late payment on my credit and give me the option to opt-out of the reporting.

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