vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An illegal re aging of an account has been done on my credit report and this is a clear violation of the Fair Credit Reporting Act. On my credit report it is saying that the XXXX  XXXX XXXX account that is been reported is 1 year, 3 months and 14 days old and this is false. Re-aging of any account is illegal and once this done then this violates the Fair Credit Reporting Act and both the creditor and credit bureau can be sued because of this and because a re- aging of the account has been done then according to the Fair Credit Reporting Act, this account should be deleted from the credit report immediately. A failure to delete it then gives me the right to take legal action to get the matter fixed or get some form of financial compensation. 
Delete XXXX  XXXX XXXX from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Seller email : XXXX I went to a website ( XXXX XXXX XXXX  ) to buy a XXXX XXXX XXXX XXXX XXXX for {$66.00}. I click on PayPal payment & it went to XXXX XXXX but not his company. He sent me an email with an order # ( Order Number : XXXX Products { " XXXX '' : '' XXXX XXXX '' , '' qty '' : '' 1 '', '' price '' : '' XXXX '' } Total : {$66.00} ) and never heard from him again. I tried to contact him XXXX  times via the same email : r <Service Customer XXXX XXXX, but no answer, seem wrong email. 
I really need this investigated to get my merchandise or my money back. 
I tried to get my money back through XXXX XXXX  or PayPal but they told me that they can not help me recover my money back. 
Appreciate Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I have no clue about this debt and this company STATE COLLECTION SERVI keeps writing and calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
XXXX XXXX  is my loan servicing company. I have had my home for just over 15 months and put down/paid off about 10 % of my principal mortgage amount. 

In my area in XXXX Florida, the housing market is on fire. Homes around me with similar Sq ft. are selling for well over what I paid for my home. 

This fact sparked asking my loan servicer if I could pay for a new home appraisal so that if the new loan to value surpasses the 20 %, I could get rid of my XXXX XXXX  XXXX ( XXXX $ XXXX ). 

I asked for a supervisor to ensure I was given correct information once I received a letter of my options. The Option that best serve me stated that is I had made substantial improvements to my home and paid for an appraisal of my home and it came back more than the shown amount on the letter, my PMI would be retired. 

Since my call and point of view is the housing market itself has increased the value of my home substantially in the last 15 months, I wanted to check if this fact was sufficient enough for XXXX XXXX  to allow me to pay for the appraisal Without listing Substantial improvements. To my delight, the supervisor representative from XXXX XXXX  agreed and reassured me that if I sent a check for the appraisal performed by XXXX XXXX  and resulted in the new home value over the amount listed in the letter, my PMI would be retired! 

Now here is my complaint. Weeks later, I hear nothing from XXXX XXXX  until I call and ask again to speak to a supervisor ( most normal agents they have are novices in mortgage and simply read scripts and a computer screen ), and ask what may be the holdup on my appraisal??

The supervisor stated that because my property HAS NOT made any substantial improvements, they would be sending my check back to me and not performing an Appraisal!!

I pleaded the only reason why I sent a check in the first place was because of one of their supervisors assuring me of the appraisal being done without needing to provide home improvements! 
This conversation lead to other supervisors and all of them are reading a script. Denying my chance to an appraisal that would clear my loan to value well under 80 % and cancel my PMI. 

I believe this is incredibly Unfair, unethical and unjust! I should be allowed to PAY for an Appraisal of My Home at anytime if I feel the results would PROVE my homes value can cancel my PMI! 
I hope this email finds the correct path to a better mortgage experience holding loan servicers responsible to unfair, unethical and unjust practices. 

Thank you!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NY

Complaint narrative:
My identity was stolen and there were accounts opened up in my name

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 2022-02-25 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: CA

Complaint narrative:
XXXX card was opened fraudulently. i have been a vitctim of several data breaches, including the recent XXXX breach. My ssn is on the darkweb and is always used.

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 2022-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I mailed correspondence about regarding XXXX illegality and fraud, that XXXX XXXX Corporation received on XX/XX/2022. However, XXXX XXXX Corporation failed to address every concern within the correspondence.

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 2022-02-25 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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.

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 2022-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EQUIFAX KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EQUIFAX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EQUIFAX HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery for committing identity theft. I have never given Portfolio Recovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have included in this complaint a photocopy of the three ( 3 ) accounts in question per my Equifax credit report dated XX/XX/2022. I have attempted to resolve the noted issues per the attached document on several occassions via online submission and just sent said lettter via certified mail with return receipt earlier this week. I have even attempted to call and speak with someone in detail about this issue to no avail. 

Essentially, the data fields for the three ( 3 ) accounts in question are substantially incomplete. Of primary concern is the absence of payment history and data, which itself constitutes 35 % of my credit score ( myFICO ). For two of the attached accounts, the credit report indicates that i am 90+ days late when I have in fact never been late or charged off a related balance.

As stated, payment history constitutes the largest portion of a person 's credit score. Consequently, the Credit Reporting Agencies failure to remedy this situation is hindering my attempt to acquire new credit presently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Company : TD Bank Claim : Fraud Amount : {$300.00} On XX/XX/XXXX, I contacted TD through secured messaging about a {$300.00} checking promotional offer I signed up for earlier in XXXX that wasn't paid but for which I was eligible and later qualified through required activities, according to the terms of the attached screenshots I captured during account opening. After a few emailed responses, I received the final on XX/XX/XXXX, which claims the terms on record for the promotion don't match the terms that were advertised when I signed up for the promo. 

My offer is eligible for customers without a checking account in the past 12 months. TD claims the offer was eligible to customers who have never had a checking account. TD confirmed I last closed a checking account in XXXX. The small print is clear that " within the preceding 12 months '' is the threshold for the offer running XXXX XXXX, and my last account was over 36 months prior. 

I asked customer service if it could offer an email address that could accept file attachment ( screenshots of TD 's offer at the time ) and escalate this concern. They declined to provide one. 

After searching online, I found TD 's primary complaint department email address and sent it my screenshots file in late XXXX, asking them to read the file and determine why the promotion was not paid. I was promptly redirected from its XXXX offices to its US offices, sending the same email and attachment on XX/XX/XXXX. There's been no response for over three weeks except to initially say they're very busy. 

I'm alleging fraud because though TD typically runs an offer that's eligible only to those who have never had an account. This offer was unique. Had I not been eligible I would not have opened the account. Later, had TD acknowledged an error in the offer terms, I wouldn't think it were an intentional misstatement ( and I wouldn't need to file this complaint ). However, due to the initial denial and subsequent silence despite visual timestamped proof, it seems an intentional action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah , XXXX, United States XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you XXXX XXXX XXXX that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. 

I never signed a contract with XXXX XXXX XXXX and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.

You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). 

I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.

2. Stop infringing on my intellectual property rights immediately.

3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.

Failure to comply with consumer demands will result in litigation.

I do not consent to E-Oscar or any other means of automated verification.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been banking with SunTrust for several years, SunTrust and BB & T have merged and Since XX/XX/XXXX I have had nothing but problems! Banking app is not showing all transactions, I had to call on the XXXX, XXXX and now will have to call on the XXXX. My husband and I each have a debit card, if he uses his and I use mine, .and transactions are not showing up on the mobile app I can't keep up with the balance. On.the XXXX I was on the phone for XXXX minutes and was hung up on, called back again, on hold for XXXX XXXX minutes to ask why my payment to XXXX XXXX XXXX was not showing..This was a debit and should have showed up immediately, was told by XXXX that they could see the payment on their end but it was not showing that it was paid. Today is XX/XX/2022 and debit is still not showing. Husband brought groceries today at XXXX 's XXXX XX/XX/XXXX used his debit card at around XXXX p.m still not showing up on mobile app, will have to call them again tomorrow XX/XX/XXXX and hold time will not be less than one hour. Branches forTruist are not taking phone calls at all. Left a message with branch in XXXX, Florida on the XXXX no return call today XX/XX/XXXX. I DON'T KNOW IF MY BILLS ARE GETTING PAID SINCE THEY ARE NOT SHOWING UP ON the APP! Certainly can not stay on hold for an hour or longer to be told that they don't know what the problem is. Husband works out of town and I do n't drive to get to a branch!!! These problems with the merger are on the news, XXXX, XXXX and XXXX. Someone has to help the customers!!! I receive Social Security and hearing horror stories from other customers that they did not get their direct deposit because the routing numbers and account numbers were changed. We all received letters stating that routing and account numbers WOULD NOT BE CHANGED. This bank is a complete mess. We live in a rural area of XXXX Florida and there are not really any other banks other than Truist around us. Please help?????

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 2022-02-25 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a 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 2022-02-25 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX ( XXXX ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX  continues its collection efforts, I will file for litigation for actual damages caused and XXXX  will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant XXXX XXXX. Your prompt attention are both requested and required.

Company response to consumer: Closed with explanation