vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have reached out to LexisNexis and XXXX and they are refusing to provide me withmy consumer report XXXX XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to LexisNexis and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Inquiry Date : XX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

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 2023-08-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a small swimming pool related part from XXXX XXXX XXXX XXXX. The part was never delivered. So eventually I phoned and they credited us the price of {$6.00}. But the charge and credit kept recurring in the pending section of the account. Our credit card bank ( Chase Sapphire ) customer service refused to address the problem saying they can not do anything including blocking this merchant. I did not believe it. A supervisor supported the agent and then hung up on me. So we phoned back, got a different customer service representative who was much more helpful and sorted this out by connecting us to security to block this particular merchant. Chase needs much better quality control for its customer service. Customer service should have sent us to security the first time rather than state they can not block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: NE

Complaint narrative:
I received a phone call. The individual was asking for my full name, social security number and address. The individual stated that they were calling on behalf of national collection buruae. They were going by a different name which I submitted a complaint on due to the fact that they attempted to contact me multiple times. After I stated clearly that I do not want to be contacted by them because I have no business with them, the person calling attempted to instruct me to go to a website or call another number ( within their company ) to be removed from having communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.3K open end consumer credit plan as late for a purpose. 
Please remove before this is illegal and I feel my rights have been violated.

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 2023-08-24 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: NY

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for a purpose. 
Please remove before this is illegal and I feel my rights have been violated.

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 2023-08-24 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: CT

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account XXXX. I believe this decision may have been made in error and I would like to appeal for a re-investigation of my case. 

First and foremost, I want to emphasize that I have always used my PayPal account in strict adherence to PayPal 's policies and guidelines. I have never been involved in any activity that would warrant such a limitation. Therefore, I am genuinely puzzled as to why my account has been restricted. 

I kindly request that PayPal takes another look at my account 's history and transaction records. I am confident that a thorough review will confirm my consistent compliance with PayPal 's policies. It is possible that an oversight or misunderstanding has led to this unfortunate situation. 

I understand the importance of maintaining a secure and trustworthy platform for all users. I fully support PayPal 's efforts in this regard. However, I firmly believe that my account has been unjustly limited. This limitation not only hampers my financial activities but also raises questions about the accuracy of PayPal 's account assessment processes. 

I kindly urge you to consider the impact of this limitation on my financial obligations and activities. If my account is found to have adhered to PayPal 's policies, I humbly request that you reinstate it at your earliest convenience. 

I genuinely value the services provided by PayPal and wish to continue using this platform for my online transactions. I believe in PayPal 's commitment to fairness and transparency, and I trust that this matter will be resolved appropriately. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and hope for a swift resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Self Financial Inc.
State: FL

Complaint narrative:
To Whom It May Concern at XXXX, XXXX XXXX XXXX. I am writing to urgently address a critical matter regarding inaccurate information on my credit report. The incorrect reporting has had significant negative consequences on my reputation, financial well-being, and ability to secure credit for personal and housing needs. As mandated by law, those responsible for furnishing information to consumer reporting agencies are obligated to ensure its accuracy. The information you have reported is unquestionably inaccurate, causing real harm to both me and my family. I called Self Lender on XXXX to explain my credit report isn't updated and its holding me back from closing on my 1st home. The rep stated that my account was closed due to non payments. I proceed by saying that's not accurate I paid this account off. The rep went on by saying the last time they reported to all 3 agencies was on XXXX and its accurate, which didn't make any sense to me whatsoever. I went ahead and read my ( Paid ) report to him which was the following ... ALSO ATTACHED A PHOTO XXXX Account Stats : Derogatory ( Last Reported XXXX XXXX XXXX  Account Status : Paid ( Last Reported XXXX ) XXXX Account Status : Paid ( Last Reported XXXX ) ALSO MY XXXX SHOWS ALL GREEN AS PAYMENTS XXXX Payment Status : Current ( Last Reported XXXX ) XXXX Payment Status : Late 60 Days ( Last Reported XXXX ) XXXX Payment Status : Current ( Last Reported XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
See document attached

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 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. You reported this debt shows as an open account on my credit bureaus, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.1692 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I did not receive credit card statements for XXXX or XX/XX/XXXX. I was not aware of this until PNC called me in XXXX to say that my cards had been suspended for failure to make payment. I called them and spoke to an employee named XXXX. He said that they had received a bill back from the post office and as a result had not sent more statements. He verified the address which had not been changed. He sent me copies of the missing statements. I immediately paid for purchases I had made excluding any late charges or interest. He told me they could only reverse one charge a year. The {$15.00} late charge was reversed on the XXXX statement. In the meantime and on all subsequent bills late charges and interest charges kept being added. On XX/XX/XXXX I spoke with XXXX XXXX. He agreed that it was not my fault that the post office had returned the mail and that he would escalate the matter and it would be taken care of. The XXXX bill arrived today. I called PNC again. I spoke initially with XXXX and then with a supposed XXXX named XXXX neither of whom could resolve the issue. There are {$69.00} in charges that was assured would be taken care of and have not. They are as follows : {$29.00} late charge ( XX/XX/XXXX stmt ), {$2.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} ( XX/XX/XXXX ), {$15.00} late fee ( XX/XX/XXXX ), {$9.00} interest ( XX/XX/XXXX ), {$8.00} interest ( XX/XX/XXXX ) Total {$69.00}. I have been a customer of PNC or one of its XXXX banks for 30 years. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I applied and opened a Banco Popular credit card account on or about XX/XX/XXXX. 2 months after opening the account XXXX with initial credit line of {$15000.00}, with 0 % interest, Banco Popular placed a hold on my account, verified it and reopened it after tow months. The would not allow me to use the card for more than {$500.00} per transaction and every transaction over {$500.00} was always declined, no exception. On or around XX/XX/XXXX Banco Popular let me use over {$1000.00} ( I didn't even noticed it, since I was assuming they will not honor a authorization request if the authorization would pass the initial credit limit. After I received the statement I saw that Banco popular was requesting the minimum payment plus the full over limit amount, which was over {$1300.00} dollars ( I don't remember the correct amount ). That was unaffordable for me and I contacted Banco popular and asked them to either increase the credit line to current balance, so I could just make minimum payments or instead of demanding the full over the limit amount make arrangements to pay with smaller payments. They refused. And since my income was not sufficient at that time to make that large of a payment I was forced to involuntarily destroy my credit standing. After couple of months of reporting my account as late other creditors too, started to lowering my credit limits and closing my accounts, siting sudden score drop. And by XXXX of XXXX most my accounts were closed, even though I paid them every month on time. I have attempted to contact Banco Popular many, many times with requesting statements for the last 6 month before the account was closed and they never complied. I believe this bank is engaged in predatory banking practices. Please help me resolve this issue. Banco Popular is reporting to all 3 credit bureaus as my account being charged off with over {$18000.00} balance on it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: MI

Complaint narrative:
I have unknown accounts and inquiries that needs to be removed from my credit report. Please refer to attachments for details.

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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.

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 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I called my mortgage company ( BSI Financial ) to inquired about the process to request a review of my mortgage to have my PMI removed in XXXX of XXXX. The representative I spoke with on at this time told me that I would need to procure an appraisal on my own and submit it to BSI for the request. She also told me that since I had refinanced within the last two-years that I would need to wait to submit my request until two-years had passed since my refinance, which would be in XX/XX/XXXX. 

So in XXXX of XXXX, I contacted a local real estate home appraisal firm in my area and paid {$400.00} to have an appraisal done on my home. Once I received the appraisal on XX/XX/XXXX, I submitted online it to BSI. When I called to speak with a representative on XX/XX/XXXX about next steps, I was told that they had changed their process, and now PMI removal requests required BSI to coordinate the appraisal ( for a fee of {$450.00} ) and that the one I had just paid for would not be acceptable. 

I explained to the representative that I had followed the process that I was originally instructed to do, and never received any communication from BSI that they had updated their process to know that this process had changed. The customer service representative forwarded me to her manager, who after speaking with his supervisor, indicated that they would waive the fee given the circumstances and told me to email him directly the appraisal that I had received for BSI to process. 

After not hearing from the manager or BSI for several weeks and multiple follow-ups, the manager finally called me on XX/XX/XXXX to tell me that they BSI was no longer going to waive the fee and if I wanted to submit a request to have my PMI removed, that I would need to pay the {$450.00} for a new appraisal. 

I told the manager, that if BSI was not going to resolve this, given I had followed their direction and paid for my own appraisal, that I would have to seek alternative avenues to resolve. He said that he would speak with his supervisor again and call me back, but to date, I have not been contacted from him or anyone from BSI on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX  ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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