vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXXXXXX XXXX ACCT # : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCT # : XXXXXXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX Collection

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 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX money transfer good and service. XXXX XXXX XXXX on XXXX &, XXXX filed a charge back for {$300.00}. On same day paypal charge me XXXX. I made many attempts to contact XXXX XXXX by mail and DM with no response.meanwhile I had fork out XXXX to clear my paypal account. 

I was told it would be 75 DAYS to hear back from his bank by then paypal would take care of it. The issue is I paid it and paypal received information back in XXXX XXXX. State the following : " After reviewing the info we received, we were unable to cover this payment and have debited {$200.00} USD from your PayPal balance. Well attempt to recover this amount from the buyers financial institution. If were able to recover the payment, the money will be credited back to your balance. It could take up to 75 days for us to get a resolution. '' XX/XX/XXXX I spoke with manager from paypal. I explain everything told today is 75th day to see if they close the matter but now they are saying other 180 days. I need it close so I can take legal action by it open there saying possible money will to be return to me from court point of view. I already paid it so should be close matter and bank already advise paypal in matter in XX/XX/XXXX. Secondly, does not take 75 days nor 180 days complete a chargeback. Any assistance in this matter would be helpfully. 
regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : Account number : Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.

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 2023-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
- Account opened XX/XX/XXXX - Spoke with Ally Bank Agent XX/XX/XXXX ; Agent indicated money would be avaliable for withdrawal the following day XX/XX/XXXX. 
- Made purchaseon XX/XX/XXXX requiring wiring of funds by XX/XX/XXXX ; Purchase made based on Ally Bank representative statement. 
- Spoke with Ally Agent XX/XX/XXXX requesting withdrawal of funds, and was denied request. 
- Due to bank 's failure to provide accurate information and withdrawl funds on XX/XX/XXXX, I was charged a {$400.00} fee for failure to provide funds on XX/XX/XXXX. 


Bank reference number for call : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
My previous loan servicer verified that my employment at XXXX XXXX applied to my PSLF. However, this loan servicer, Mohela, is now stating that they have that on hold. My loan was just recently transferred to Mohela. I have been on the phone for over 2 hours, and I have been hung up on by the supervisor, who was to call me back. However, the supervisor never called me back. It is clear that they do not want to assist me. I am not sure why my student loan was transferred to them. I never had any issues with my previous loan servicer. Moehla does not have the right to reassess a finding of PSLF forgiveness qualification. It seems like a conflict of interest for them to be managing my loan, as they are the ones who are suing to stop the debt forgiveness given that they want loans to continue thereby allowing them to collect the high interest rates that make paying these loans almost impossible based on the low salaries we are paid at non-profits. See https : XXXX I am very upset at having to rehash something that was already settled. Being in this PSLF and having to work for 10 years for no money is already tantamount to indentured servitude. Must I also be harassed and stressed out having to argue about documentation already provided and approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Hello. I am a XXXX XXXX XXXXXXXX and my concern relates to Dodd Frank compliance. I recently have begun working as a XXXXXXXX XXXX for a company that is paying fees that are less than half of what is typical for the service areas around XXXX. I have discovered that several of my past lender clients are now ordering appraisals through this company, and are paying the same fees as those I would normally collect. I am a new hire with this company and I don't know how long I can accept this, as it seems wrong. 

I wanted to know if this is in violation of law, and if there is any means of recourse. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy. 
In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
On XX/XX/2023 my joint savings with my husband was garnished for {$1900.00} and funds were removed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX on behalf of Midland Credit Managment , Inc. 

I was not notified and served of this garnishment until XX/XX/2023 by sheriff delivery. On the notice of the non-earnings garnishee summons it is documented that I would have 30-days to dispute from date of receipt, which I received today. Funds were removed from my account 8-days prior to this notice. 
The amount removed was not money available and I would have made arrangements with the company prior to garnishment had I been notified ahead of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I entered into this lease around XX/XX/XXXX and have made all payments as agreed. 

We moved from XXXX to XXXX in XX/XX/XXXX and it took us three months of working with Kia to get the information needed to transfer the title. The process was extremely frustrating. 

Then in XX/XX/XXXX I received a bill for an addiitonal {$28.00} per month for NC state property taxes. I sent Kia a registered letter documenting the fact that I paid the property tax at the time we registered the vehicle. I asked them to research and refund me the amount I paid or to explain why they were billing this amount after I provided proof of payment. 

Then in XXXX I received another bill for Texas property taxes. Since we have not lived in XXXX for almost 6 months I asked them to provide me with more information about the taxes billed. 

Since last XXXX I have made countless calls, sent numerous emails and three registered letters asking for more information and detail on the amounts being billed. I have not received any response to any of these requests. 

Now I am receiving collection calls about these amounts and asking when I can pay. I have told them repeatedly that I am willing to pay once someone responds to my numerous requests. The collections agent says that they can not answer any questions and can not provide any assistance in getting the tax department to respond. 

As you can imagine, I am at my wits end and feel this behavior by Kia is very unfair and borderline abusive. They are threatening to report me past due and stating that the calls are an attempt to collect a debt but they refuse to provide me any supporting documentation or information. I am not sure what else I can do.

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 2023-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I continue to receive vague reinvestigation statements from XXXX. Investigator noted that everything was 100 % accurate and complete. I would like to receive the description in accordance with 15 USC 1681i ( 7 ). This account is not accurate : XXXX XXXX XXXX XXXX XXXX The investigator did not delete or remove the inaccurate information from my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( i ). In XX/XX/XXXX, the XXXX Dispute Department Supervisor " XXXX '' informed me that it was not within the Bureau policy to send me a copy of my credit file or method of verification, according to 15 USC 1681 Section 611A and Section 623B of the FRCA states otherwise, however he did manage to send me yet another copy of my credit report instead. I also contacted XXXX in XX/XX/XXXX with a dispute, in XXXX XXXX sent a letter CASE No XXXX file dispute date : XX/XX/XXXX stating " in accordance with the FRCA 15 USC 1681 et seq, the disputed file has been removed ''. On XX/XX/XXXX, I disputed the inaccurate credit file from XXXX XXXX XXXX with Equifax ; the Representative from the Dispute Department initiated two case numbers. CASE No XXXX through Equifax Credit Bureau and CASE No. XXXX FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
After XXXX for XXXX XXXX, I received a bill from XXXX XXXX XXXX XXXX for pre-admission testing and a XXXX XXXX. I am insured under an XXXX, and XXXX XXXX is out of my network, but can obtain a prior authorization to cover such services ( they had all of my insurance information ). 
After much investigation, it was determined that XXXX XXXX did not attempt to obtain a prior authorization. I've talked to lots of people at the facility who agree with me and offer help, but I never hear from them again. XXXX XXXX refuses to negotiate. 
Now I have debt collectors contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: MA

Complaint narrative:
The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b- Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account number : Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: GA

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. 

Account name : Account number : Account XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.

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 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Accounts Management, Inc
State: SD

Complaint narrative:
oN XX/XX/2022 i had time to take the call from accounts management after numerous calls all day everyday.. They told me that I had a debt that was XXXX, told them that I never received any documentation stating that I had one nor have I had the chance to validate. The told me they sent the paperwork whether I got it or not is not their problem. That if i dint not agree to pay that they would have the police come to my job and arrest me. So afraid to lose job, i agreed to make vluntary of {$100.00} every payday, but I still wanted a chance to validate this debt. I have yet to receive these documents and it a year later. So i stopped the vountary garnishment got a hold of them finally and told them that I would no tpay anymore until I receive the documents I asked for so i know what I am paying and that it is my debt. When I told the that they threatened to sue me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
Received payoff statement from Flagstar Bank on XX/XX/2023. Paid {$180000.00} via wire transfer which was made available same day. Flagstar Bank confirmed wire transfer in the amount of {$180000.00} was received on XX/XX/2023. My complaint is regarding {$19.00} which states that funds credited after XX/XX/2023 will require an additional {$19.00} per day. Flagstar Bank 's payoff statement states " Payoff figures are good to ( closing date, when applicable ) XXXX. Funds received after XXXX XXXX XXXX may be credited the following business day. '' I would like to apply emphasis on the verbiage and use of terminology with the word " may '', this does not clearly define if I will or will not receive additional charges. Despite the funds being received on XXXX and Flagstar confirming receipt of funds, Flagstar is stating they have the discretion to penalize consumers or not penalize consumers the additional {$19.00} amount daily fee. If funds are received and confirmed that they have been sent that day, the business is operating in an unethical manner by choosing when the funds are applied or not applied to the account and allows the company to penalize the consumers with penalties and fees that the consumer has no control over. This statement and business process needs to be reviewed and modified in a fair and ethical business manner for consumers moving forward.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have Traditional and Roth retirement accounts at Synchrony Bank. On XX/XX/XXXX I put in motion moving the funds to XXXX XXXX XXXX because the rate they offered was almost double. I filled out all the necessary transaction paperwork on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX mailed the transfer paperwork to Synchrony Bank. After 3 weeks I called and Synchrony said they didn't receive the paper work. I then had XXXX XXXX fax the documents in mid XXXX, they only faxed the traditional docs and I had to followup on XX/XX/XXXX where they faxed the Roth docs to Synchrony. I called today XX/XX/XXXX and Synchrony said they are working on it in their " back '' office where you can't speak to anyone. They also maintain that it takes up to 15 business days to process the requests. I'm already 5 weeks into this and it looks like several more. Am I missing something here???? What if I needed the funds? I've spent hours on hold with no resolution and it seems to just go on and on.

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