vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Request Home Modification itemization of charges to justify loan of {$730000.00} from current service provider Mr.Cooper. I was told by XXXX representive is that a breakdown of charges would be sent to me, and I never received it. when original loan amount was {$520000.00}. Request itemization charges for additional loan amount of {$220000.00} added to my original loan. My current service provider Mr.Cooper do not have itemization of charges from the modification on loan and transferred paperwork from previous provider XXXX shows loan was {$560000.00} when transferred to Mr.Cooper. XXXX and Hope counselor do not have itemization of loan modification either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NC

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. 
XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was on hold for over one hour with PayPal. I spoke with a " XXXX '' she said that they have records of the two payments but they did not. My bank has confirmed two payments but PayPal has declined payments for their direct account and PayPal Credit. PayPal has closed the PayPal Credit account based on their issues with electronic ACH payments from my bank, XXXX. For some reason the payments are not going through in a timely manner taking days to complete.

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 2023-03-29 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: CA

Complaint narrative:
I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of 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 2023-03-28 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: MD

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. 

US DEPT ED : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) : # XXXX, ( ORIGINAL CREDITOR : ) : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX / XXXX : # XXXX have violated my rights.

The following are the provisions that protect me as a consumer 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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had a problem with making a payment to my Suntrust/Truist credit card. I made a payment to pay off my credit card from my US Postal Service Federal Credit Union checking account. At first my credit union accepted my payment dated for XX/XX/2023, but after I hit the submit button, I got a message that Truist could not accept my payment before XX/XX/2023. I checked each day with Truist and my payment wasn't posted. I called Truist several times at XXXX about this issue as my payment was never posted. I paid {$10000.00}. At times I waited on hold for over one hour before speaking to someone. I've talked to several people at Truist and have even used an email address I was given and to the present time the same problem exists. I even called my local branch at XXXX and never got an answer and despite leaving voice mail messages, my calls were never returned. Today, XX/XX/2023, I went into my local branch that is located at the XXXX XXXX in XXXX XXXX, MD. I didn't want to see a teller. I wanted to a clerk that would be sitting in a desk. I waited for 35 minutes until someone finally saw me. Her name was XXXX and she immediately copped an attitude with me. While I was trying to explain to her how I was treated and that I was upset about that, she kept looking at her phone and then the ceiling. When i told her that I didn't like the way that I was being treated and was considering taking my banking elsewhere, she told me that I could do what I wanted to. Now I am very angry. Despite being very agry, I was in no way abusive with any employee. I went into the managers office to explain how I was being treated. She accused me of copping an attitude with her clerk and told me not to come into her office upet. Her name was XXXX XXXX and based on the way she treated me, I don't believe she has the wherewithall to be a branch manager. To put it simply, I don't think that she knows how to treat people and neither does the clerk named XXXX. Perhaps they both should be replaced in their employment. I finally found a very nice lady named XXXX who helped me but neither one of us was able to get a final resolution from Truist. What is also very upsetting to me is that I have used my credit card for several cash advances and interest accrues every day that the credit card has not been paid off. Truist charges me interest daily, but refuses to accept my payment.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: NY

Complaint narrative:
The company is engaging in improper debt collection practices. True Accord Corp has been calling, emailing, and texting me consistently since XX/XX/2022, with misleading captions of being a personal contact, such as " Let 's reconnect '' and stating they have " important information for me ''. 
I have never created or verified an account with this company and do not know what they are contacting me for as I have not given them permission to contact me by any of the methods detailed above.

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 2023-03-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover 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 2023-03-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover 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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Just started using the American express card. There's no spending limit on this particular card and after using it for approximately 2 weeks we made our first payment to the credit card which effectively, and for unknown reasons locked up all of the credit cards for our company. 

The payment was made in the previous week early on and by Monday the following week the payment had not yet been received the cards were still not usable. When queried the company said that this is because we were attempting to make our first payment. Until a relationship was established with our bank the credit cards were going to remain locked. To be able to use the credit card up until the first payment is made and then lock the account? This makes no sense to us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A company is conducting a credit background check for my employment. When attempting to do a credit check with TransUnion, they receive the error " Credit data suppressed. '' There is no freeze on my account, and TransUnion is unable to explain why the data is suppressed or remedy the situation. 

The 2 attempts at credit checks were made between XX/XX/XXXX and XXXX, XXXX. Both attempts resulted in the " Credit data suppressed '' error. 

I personally reached out to TransUnion via phone on XX/XX/XXXX. Despite repeated calls with multiple service agents, they were not able to fix the error on my account. 

Furthermore, I personally requested my credit report from the 3 credit bureaus. I was able to successfully receive my report online from all other bureaus but encountered an unspecified error with TransUnion.

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 2023-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I told the company to right of rescission my contract, I entered into this contract agreement with XXXX XXXX XXXX XXXX XXXX without : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that XXXX XXXX XXXX XXXX, XXXX willingly and knowingly took advantage of my consumer credit and me. 
Gave them my affidavit of truth with laws that they broke. Was never told about rescind the car at all. 
Debt validation and my cease and desist. 
The company ignored all the info I provided them and only complied with the cease and desist but not to the full extent of what I was asking. 

Send my letters XX/XX/2023, which first they said they received that day but later in the respond said they got it XXXX XXXX. 

I received their letter 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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received an email that a savings account was opened through Bank of America. The account was opened online with my maiden name and social security number. I find this to be a problem, as the person didnt have to actually provide any documentation or proof they are who they say they are. How is Bank of America allowed do this. Theyre making identity fraud easier for criminals and causing their current customers headaches. Opening an account should be in person with multiple forms of documentation!

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 2023-03-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXX/dept of ed # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover 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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX  I responded to an email that had offered a free item if I paid shipping and handling of XXXX. Too good to be true yes. I received a notification about the XXXX being taken out of my cash app debit card and then about ten minutes later I received another notification that the same company took another transaction of XXXX. I immediately contacted cash app and was told I had to wait to dispute the transaction since it had not been completed and as soon as it did I completed the dispute but never heard anything about it. Even though I contacted cash app customer service many times up to date. Cash app will never give me a answer and they still have not refunded my money either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a notice from TRANSWORLD SYSTEMS INC. located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, Phone XXXX. The notice ( acct : XXXX ) stated that I owe {$1600.00} to original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is for services provided on XX/XX/XXXX, by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, Virginia. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX submitted a claim for {$1600.00} to my insurance provider XXXX XXXX XXXX ( All Savers ), but the claim was denied because they failed to submit the claim within the timeframe specified in their contract. 

I received an explanation of benefits from XXXX XXXX XXXX ( All Savers ) XXXX informing me that the claim was denied due to timely filing issue and that I was not responsible for paying these services and that XXXX XXXX was not to bill me because the fault lies on them. 

I contacted the following parties on XX/XX/XXXX : Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( acct # XXXX ) and they informed me to disregard the notice from the debt collector. They have never delt with TRANSWORLD SYSTEMS INC. and they are aware that I am not liable for the bill. I have had numerous phone conversations between them and XXXX XXXX XXXX ( All Savers ) to get this resolved. I had assumed the matter was closed because it has been over a year and then I received this notice from TRANSWORLD SYSTEMS INC. on XX/XX/XXXX TRANSWORLD SYSTEM INC. : I spoke with a representative and they informed me the notice was on hold because they were waiting on a response from XXXX XXXX XXXX. XXXX XXXX informed me that they do not deal with this debt collector and that my account was XXXX for the service date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: MD

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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) : # XXXX, ( ORIGINAL CREDITOR : ) : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  / XXXX  : # XXXX have violated my rights.

The following are the provisions that protect me as a consumer 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