vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes on my account to XXXX XXXX XXXX relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NC

Complaint narrative:
I received an email from US Bank regarding " cash-back deals '' on my checking account. One of the offers was for 10 % off purchases at XXXX for a maximum discount of {$8.00}. I signed up for this offer through the link provided in the email. 

I made a purchase of {$75.00} at XXXX on XX/XX/2021 using my US Bank debit card. However, I have never received the {$7.00} cash back. I have inquired with US Bank to try and get this resolved but have never gotten a response.

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 2022-01-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXXXXXX XXXX  # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the XXXX and Equifax is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX NA # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on Experian while the XXXX and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information 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 explanation
Consumer complaint received 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had internet service with XXXX XXXX  company.the service was terminated but them continued to bill me for full service.i tried to rectify the problem with company and they contends that even though the service was odd im responsible for full amount and I refuse to pay for service I never had

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IN

Complaint narrative:
It is my fourth time to submit a complaint. The former three times cases numbers are XXXX, XXXX and XXXX. 
On the one hand, you said you will return the money to the originator. On the other hand, you said my friend have to let the payroll contact the originator bank and ask them to provide a written request then you will initiate return. What the XXXX is that? What should I do? OR just tell me you are not going to return at all. You said you submit request to XXXX twice, they dont reply. I guess you have a XXXX means to contact them. You can call them, write to them, fax them, just let them reply, because it is your responsibility and I dont believe its that hard to initial it. I have explained anything. Such a big university, payroll need to deal with thousands of XXXX dollars, will they care this 2000 dollars? Whom to look for to write such request in such a hard time and no one works in office and they just XXXX. You can not hold it forever in any reason and again is your responsibility to contact the bank and return! It shouldnt be no any progress in more than one year. XXXX XXXX XXXX I am so angry and so disappointed.

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 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I am writing to dispute a late payment classification resulting from a failure in communication on the part of my prior loan servicer, NewRez | Shellpoint. My loan number with NewRez | Shellpoint was XXXX

On XXXX XXXX XXXX I was abruptly dismissed from my job. In the two weeks that followed, I contacted NewRez to see if there was any accommodation that could be made for my involuntary unemployment. At that time, I was told over the phone that I would be put in a forbearance program effective XX/XX/2021 for a period of three months. There would be no impact to my credit. If I needed further extension, it would be discussed at the end of the three-month period. At this same time, I was assigned a single point of contact ( SPOC ) whose name is XXXX XXXX. 
During this initial phone call, I inquired about any necessary paperwork and was told in no uncertain terms that there was nothing further they needed from me at that time. I subsequently received a letter in the mail from NewRez confirming the designation of my SPOC with contact information and indicating a review of my loan would be conducted ( see attached ).

I never received any communication from my SPOC or any representative from NewRez regarding forbearance or payments. Meanwhile, in early XXXX I received a letter indicating that my loan was transferred to XXXX XXXX XXXXXXXX ( see attached ). 
In early XXXX, I received a phone call from a representative from XXXX XXXX. The representative told me I missed the XXXX payment. When I explained that I was in a forbearance program, I was told there was no record of it. Subsequently, a late payment was recorded on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There were 13 soft inquiries from XXXX in various names, including XXXX XXXX on XX/XX/21, but never a hard inquiry that I could see while checking my credit report through XXXX XXXX. There was never an account on my credit report from XXXX XXXX. I did not set up this account, XXXX XXXX has never contacted me and I have never contacted them. If you review my credit report, you'll clearly see that I pay my debts on time, each any every month. This collection just appeared from no where. I went to Transunion to dispute this, but they simply said that the dispute was closed and they did not remove this clearly fraudulent activity. ( What bank would set up an account, but not report it to the credit authorities? Who would run 13 separate soft inquiries on one day under various versions of the name XXXX, but not do a hard inquiry when creating the loan? This was done so I would not be able to see this fraudulent activity. ) Transunion has a duty to ensure that the credit information they provide is accurate. They have clearly failed to do so in this case.

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 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account 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 2022-01-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I recently mailed a certified dispute to Credit Collection Services ( attached ) received as of today after numerous disputes with the credit reporting agencies. After reviewing my report multiple times, it came to my attention that CCS was in direct violation of FDCPA 15 U.S Code 1692e ( 3 ) as well as 1692e ( 2a ) ; as explained and shown in the attachments below. I am demanding that this violation be removed from my report following investigation and CCS be held liable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal decided to take unilateral action to restrict my account and hold my funds. I attempted to transfer an existing account balance of {$5800.00} from PayPal to my linked bank account. PayPal decided to " Deny '' transferring my balance to my bank account, permanently restrict my PayPal account access, and hold my balance of {$5800.00} for 180 days. When I contacted PayPal, they offered no resolution other than to sit and wait the 6 months to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Upon checking my credit report and this account, I saw that my account and identity in a whole was compromised, which I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: NJ

Complaint narrative:
On XX/XX/2021 I booked a room at the XXXX XXXX XXXXXXXX XXXX in XXXX, PA using XXXX - order number : XXXX. When I arrived at the hotel I discovered that it was sold out. The lady at the desk said the reservation would be cancelled and I'd be refunded the money. I went back onto XXXX to try to cancel and got the message that it was too late to cancel - I didn't give them enough notice. I'd only booked the room 30 minutes before arriving at the hotel, so I don't know how I could have given them more notice. I disputed the charge with my credit card company- Chase- and just received a letter from them stating that they contacted XXXX and were told that the charges were valid, because I didn't follow their cancellation policy. So, I booked a room and arrived at the hotel 30 minutes later to find the hotel was sold out but I was still charged {$150.00} for a room that was not available. I'm being charged because I didn't follow their cancellation policy, even though I wasn't able to cancel the reservation because of their policy, even though the woman at the front desk told me they would take care of cancelling the reservation with XXXX. 

Really? I'm being charged for a room that wasn't available? This is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX {$24000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in Experian appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account 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 explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
I spoke with this company on XX/XX/21 about my debt and paid in full, as a result they agreed to expunge it from my credit report. Instead my credit report was updated with their name removed and it states that the balance is still unpaid. This was very deceptive. It has been almost 60 days since I have paid the balance in full. I contacted the company and was not pleased with their response stating it is outside of their control once they send it off.

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 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account 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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I rolled my debt into freedom debt relief. I was impressed by the agent XXXX XXXX, I explained in a hardship situation, may have issues down the road with payments. He unequivocally stated it wouldnt be an issue. 
Im in a worse crisis with my sickly mom and freedom has not paid a dime to my creditors, I even was sued by XXXX XXXX XXXX and lost. 
Their attorney told me freedom was my power of attorney. 
I cant give them more money I dont know what to do. 
Im in a heinous XXXX XXXX XXXX XXXX situation also financial abuse and have been musing payments I call but I cant continue. I am single not that well and scared to death. 
They didnt even know I was sued info I found out in XXXX after a few things didnt add up. 
I was current then Im totally blown away now I see thieve had problems in the past. Please call XXXX I have to find another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
RE : Comenity Bank payment options. 

I have a " COMENITY - fullbeauty '' card that I use intermittently. My XX/XX/XXXX statement showed a balance of {$140.00}. I scheduled to pay it in full, electronically, on the due date, XX/XX/XXXX. As of that date, I didn't owe anything on this account. I receive e-statements, but didn't pay attention if/when I got one in XXXX, because I knew the account was paid in full. I happened to check the account today and saw a balance for interest charged on XX/XX/XXXX of {$2.00}. I immediately went online to pay it, but decided to call Comenity to ask how/why I was charged interest on a {$0.00} balance. I wanted to dispute both the interest and any possible late fee. 

Apparently, last XXXX, Comenity sent an update in terms that instructs account holders to select their online payment method differently if they are paying off the account in full. If you chose the wrong method, it breaks the payment up. You have to choose the " Save on Interest '' option. So, it sounds like I selected the " wrong '' method, my payment was only partially applied, and they charged interest on the other half of the balance, even though I had already paid it. I guess I would be OK with it if their system auto-corrected it, but it doesn't. Without a phone call, I would have had the {$2.00} interest charge plus another {$41.00} late fee owed, on a {$0.00} balance. The rep I spoke with was very nice, and spoke impeccable English, but her accent made it difficult to understand, so I am not 100 % I know what she was telling me. It feels wrong, or at least fishy. If I hadn't called and argued, I would have owed > {$40.00} for not following their weird and arbitrary rules that I didn't know about, and still don't understand. If thousands of account holders just let it go, that's a lot of fees. I don't understand why they would do this other than to trap unsuspecting customers. I'm sure they sent the terms, but I couldn't follow what the rep was telling me, so I doubt I would understand the notice they sent. Oddly, I can not find the terms letter they allegedly sent, even though I have Comenity accounts for at least 5 different stores. 

Thought someone there should know. It just doesn't seem right...

Company response to consumer: Closed with monetary relief