vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: OH

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX XXXX history wrong for all 3 credit bureau XXXX  XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I discovered that someone applied for credit using my social security number and added and unknown address to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX Transunion XXXX XXXX deletion

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus Equifax XXXX XXXX XXXX deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX in which it stated that I may have had a lapse in coverage on my home from XX/XX/XXXX XX/XX/XXXX and my account may be charged {$4500.00} for force placed insurance. 

I called PHH Mortgage XX/XX/XXXX and spoke to XXXX department and I inquired as to why if there was a lapse in coverage I was not informed until XX/XX/XXXX. XXXX was that it was not noticed by Mortgage Company until XX/XX/XXXX that there was no coverage therefore, they had to place insurance on my account. So, let me get this right you notice in XX/XX/XXXX that there is no coverage, notify me in XX/XX/XXXX and want to charge my escrow account a year later? If mortgage company not informed, then how was I to have knowledge of the laspe in coverage and now have charged my escrow account {$4500.00} which made me negative {$2500.00} in escrow which in turn will make my mortgage increase over {$200.00} a month. 

How can I be charged by the company for coverage when I never received the 45 day notice of force placed insurance prior to the charges. If they were to charge me for XX/XX/XXXX I should have been notified by law prior to the coverage date. They are attempting to charge me after the fact. 

I was on the phone for an hour and issue was not resolved, I was just apologized to and said that was all they could do, they had to put insurance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Sent me a letter threatening me with legal action on a debt i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I have a loan with wells fargo for my suv that I got a laon from wells fargo from. i noticed that in XXXX and XXXX and part of XXXX my interest rate increased tremendously compare to the these past few months. I am now paying XXXX $ of interest and in the past months it looks like it reached up to XXXX $ in interest charges, Can someone please tell me how is that possible?

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Inaccurate reporting on all 3 bureaus also fraudulent reporting demand account deletion and block XXXX Show no reporting Equifax shows reporting on time payments XXXX Show no reporting Demand account deletion on Equifax and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was involved in a bank scam. I met this girl and she seemed pretty nice enough to let my girlfriend and I stay over her place because at the time I was homeless and my girlfriends mom kicked her out. While we were staying there some of our personal information was getting taken from us and even as a couple we would argue back and forth about who touched whoever stuff. We didnt realize that the people we were staying with and calling our so called friends at the time were stealing our information and using it to scam us. My girlfriend who has already filed a report for identity theft and myself am trying to file for bank fraud. In my situation it was quite different because I didnt know what was going on behind the scene of what happened but I do know what I was told was that they would deposit some money in my account and all I would have to do is go up to the bank walk in and get the money out of my account. The night that the money hit my account I told them that I didnt want the money because I started getting more information about what they were doing. They threatened me to go to the bank or they would start at the first address underneath my bank account. After that I got the money from the bank and walked out the bank with XXXX from the bank. They then told me to get in their car and they told me to give them the money. I did and they gave me XXXX from the XXXX I walked out the bank with. They then told me I had to go to another branch to take out the rest. I went to another Branch and took out the rest of the money. At the time I didnt have my car and the same people that ran that scam on me were the people I was staying with at the time. I was simply told that I would be getting money hitting my account but not everything that would come with it. In total they scammed XXXX out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF EDXXXX for a few months and then that account was " sold '' to XXXXDEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF EDXXXX should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXXDEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF EDXXXX  should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXX/DEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF ED/XXXX should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought a gift card a few years ago and the expiration of the card was not explained or notified on the front of the card. Apparently when I tried to use the card they stated that the card should have been used in the first two years and it is not valid. My argument is that Macy 's was to build a retail store in XXXX and never did. I would have to travel to XXXX or XXXX to use the gift card and when I decided to use it it had expired. This was news to me and I was given a e-mail address to raise my complaint to and I have done so 4 times and have not been given a response by Macy 's. 

This is the fourth time that I have contacted you to resolve the complaint below on my gift card. 

XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

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 2023-02-10 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: LEXISNEXIS
State: FL

Complaint narrative:
Nexis Lexis This company is reporting that on XX/XX/XXXX of XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX I was in car accidents and I was at fault which is a error due to the fact of these car accidents I was not at fault. I reached out to my insurance company and they confirmed these errors as well. They are reporting the wrong things which is making my life complicated. I would like these errors to be correct or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a printing company and have been taking payments using PAYPAL for a little over 20 years. The previous time I received a payment we had the same issue we are having now. After 5 months it was finally resolved therefore we figured all was well and decided to continue using PAYPAL. On XX/XX/2023 I took a payment on our website for the sum of {$160.00} and again the same issue has cropped up. PAYPAL not only are withholding the payment but has frozen ANOTHER account I have with them. That separate account currently has {$310.00} in it and is a complete different account and I am unable to access funds from that account as well as my printing company account. The {$310.00} has been in that account for right at a year and has nothing to do with the printing company account. Today is XX/XX/XXXX and I have called and communicated using their online communication for the last month trying to resolve this issue. They ask me for information in order to " resolve '' this issue. I have supplied everything they have requested including 1 ) Photo ID 2 ) Address Verification 3 ) Tax ID 4 ) Bank Account Verification. After a period of no communication I called again and ask the status of my account. They then stated I must have the customer supply basically the SAME INFORMATION. I called him and he stated that PAYPAL has already deducted the money from his account, He then sent a photo of where PAYPAL deducted the money to prove he was being truthful. He stated that he would NOT send them the info because he is concerned about ID fraud. 

Paypal states that I do not have an " account '' number but they go by the email. The TWO accounts involved would be XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TX

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 confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX 2. Account name : XXXX Account # XXXX 3. Account name : XXXX XXXX XXXX Account # XXXX These accounts 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 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 7 years. 

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to 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 2023-02-10 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: TX

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 confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX These accounts 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 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 7 years. 

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to 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 2023-02-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a bed from Mattress Firm XX/XX/XXXX, financed on a promotional 24 months interest free through Synchrony XXXX. I have made monthly payments of {$200.00} every month since then. In XX/XX/XXXX or XXXX I was informed that charge was made to my account and a bed was scheduled to be delivered in Texas. I live in California. I told them it was not my charge. They said that they would take care of it, that the account would be closed but to keep paying on my original purchase. 
I didn't even realize until recently that I had not been getting statements. My payments were made automatically through B of A 's bill pay system. Last evening I decided to try and find out if I had in fact paid off my account. I called Synchrony, spoke with at least 4 different individuals all who said I had a balance over {$25000.00}. I explained that i did not make any purchases beyond the initial one. They tried to transfer me a fifth time but I was cut off. 
following the call I went through my files and found an old statement from XX/XX/XXXX which showed a balance of {$1300.00}. As I have paid {$200.00} a month until last evening when I cancelled all future payments, I calculate that Synchrony owes me {$1400.00}. I am now making this claim and sending a leter to them as well. But as they would not listen to me last evening I don't have any hopes that they will return my money.

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 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi, I have sent XXXX USD to a wrong person and asked my bank ( Wells Fargo ) to recall that amount. But they rejected me saying that the counterparty intuition is not responding. 

This wrong payment was made on XX/XX/2023 with notional {$1600.00} to XXXX XXXX. I filed dispute with WFC under claim number XXXX. But they noticed me that nothing an be done on their side after 2 weeks. 

This money is crucial for my rent payment. Can you please investigate. 

Best

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 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
They are harassing me constantly. They call me every single day, multiple times a day. I have a lot of stress in my life and I know that I owed a loan to them but they do not get to harass me or people I put down as a reference, it is against the law. They continued to call and harass me even after I had spoken with them. Someone needs to do something about this company harassing people. Because it is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it may concern, I got a surprise mail this day from Portfolio Recovery Associates ( PRA ) regarding a 1099-C and Box 5 states : " If checked, the debtor was personally liable for repayment of the debt '' If they try to collect from me more money that will not happen. Because I will show this proof to the IRS that this debt was settled, is no longer in all my credit reports as they deleted this account this is actually an old account and the statute of limitations has passed. 

I know and I am aware that this company has plenty of complaints from higher corporations. This is nothing new but a tactic to collect more money from people who try to make a living, especially these days that is very hard to survive. 

I am attaching proof of the 1055C XXXXXXXX Letter plus a confirmation letter from PRA that this debt was settled! 

In addition, they are not the original creditor. That means they bought the debt for a fraction of a dollar. 

In addition, this debt is old and has passed the statute of limitation, especially with the new law updated by XXXX XXXX XXXX due to many frauds happening in these days with debt collectors. 

From XX/XX/XXXX, creditors can not sue or make a threat to sue consumers ( implicitly or explicitly ) on debts that are older than three years. 

Please see https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX, XXXX % XXXX % XXXX % XXXX % XXXX. 

I want to make this public so people in case they receive a 1099C from them, can do their research and read this info and what to do next. 

File a complaint to : XXXX XXXX XXXX ( State of NY ) IRS Complaint CFBP

Company response to consumer: Closed with explanation