vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX  Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-07-05 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Synovus Bank
State: NY

Complaint narrative:
ive spoken with this company about learning my report day because I was wondering why they reported a high balance I was told make a payment on XX/XX/23 because they report on XX/XX/23 and I made my payment on XX/XX/23 for XX/XX/23 as I was told the XXXX is my reporting day. today which is the XXXX on XXXX I see the same high balance reported to my credit I called about on the XXXX and now is being toldbthat my report day was the XXXX and all they can say is sorry and wait 30 days for a new report. this is giving me a life hardship on my goals and leveling up my credit ive been a responsible consumer this company I hold me back with my credit and lie journey with there lies under 15 U.S.C 1611 - criminal liability for willful and knowingly violation I was lied to by this company while they prayed on my finances to get a payment out of me and currently being penalized by my credit bureaus for having a high balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: ENOVA INTERNATIONAL, INC.
State: NV

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
TRUIST BANK XXXX XXXX XXXX XXXX, VA XXXX XXXX Charge us with a {$15.00} fee for a wire transfer to return funds to us.They took over 14 days to return our funds so they chose to wire the funds back to our account. They never told us there was a charge. They said they did not know of the fee. Truist charge our bank with the fee hence our bank charge us. 



Truist bank is the most unefficient bank I have ever dealt with in every aspect.

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 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Data and Contact Management Solutions, LLC

Complaint narrative:
DCM Services has been harassing me and my family to try to collect on my deceased father 's alleged medical or credit card debt. They refuse to give any information regarding the alleged debt, which leads us to think they are trying to scam us. My dad did not have any estate or collateral at the time of his death. I have called DCM services, notified over the phone, etc. of this fact, and they still insist on trying to get personal information about my family by calling my siblings, relatives, etc. They have been sending me and my family letters, calling at inconvenient times ( like at XXXX  or XXXX ), calling my relatives as well at inconvenient times, threatened other family members of arrest if they do not pay or give the name of the executor ( which there is none as there was no estate ), etc. I have told DCM Services to stop calling, sending letters, etc and they still insist on harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NY

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Ive tried disputing this collection on my credit report several times. My identity was stolen some years ago and I believe that this is a result of that and was done by a person of similar name. Ive asked XXXX, to provide the documents used to verify that it was me and I havent received anything. 

Please remove from my credit report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
XXXX posted XX/XX/XXXX XXXX full amount XX/XX/XXXX Equifax XXXX XXXX lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by Equifax XXXX XXXX. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX Equifax XXXX XXXX lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

Equifax & XXXX lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: KY

Complaint narrative:
XX/XX/2023 : I received a Cash App from my sister on XXXX. Previously I would have the option to XXXX out, and my default transfer is 1-3 days without a fee. Last night the options had been changed even though my default was 1-3 days. I was charged a fee of {$1.00}. My history shows I use this P2P service and accept the delays to avoid fees. Cash App is my least preferred P2P as their settings can be confusing for users and predatory. 
I have been in touch with Cash App and was unsuccessful in getting the agent and advocates to reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Esusu, Inc.
State: NV

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I have had a collection from Spring Oak Captial on my XXXX credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. XXXX has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold a book and the person paid me via Venmo. It was not a business or sales transaction on Venmo. 

The person that purchased the book did not provide a mailing address. It took one week to obtain the address from her. ( I provided proof of this to Venmo. ) I sent the book after receiving the address. ( I provided tracking number to Venmo. ) It was received but the buyer said it took too long. I reminded her that she did not provide me a mailing address. ( I provided proof of this conversation to Venmo. ) Venmo sent me a request for information, it went to my spam folder. The day that I became aware of the issue, I contacted Venmo and provided proof. 

Venmo credited the buyer and restricted my account. Venmo stated that I took too long to respond. I was unaware there was anything to respond to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 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: MI

Complaint narrative:
The information on my credit report is incorrect and showing accounts I didnt open, Complete fraud

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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX The XXXX  of XXXX XXXX XXXX. 

I did a Job for XXXX XXXX XXXX. And he gave me a payment of {$50000.00}, Chase put a hold on the {$50000.00} and then they decided to put on hold a until they verify the llc, And the way they verify is they call the phone number of the llc that is on XXXX XXXX, And since there is no phone number for the llc on the XXXX XXXX they wont release the money, and are not willing to send back to XXXX XXXX XXXX. and they claim they can keep it. 

Basically they closed my account and they are keeping from me over {$80000.00} and they are putting my small business at risk. I need back the money from chase yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
I have wrote them on multiple occasions and requested that the fraudulent items and addresses be removed that aren't mine. this has been going on for 1-2 years. 
wrote all 3 credit bureas. XXXX, XXXX, and experian.

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 2023-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I made two payments on line to pay off my second lien. I selected the only option for final payment that it would allow. When I saw I still had a balance owed after the first attempt, I called Citizens directly and spoke to a customer service rep to confirm I was paying the right amount. They confirmed and I made the second payment. About three months later I get a letter saying my mortgage is past due and I owe another {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am on XXXX and I fell on hard times and I'm trying to catch up on all my bills and I speak to a representative one day and the very next day another representative calls me and the next day another one caused me sometimes two and three times a day after we have already made arrangements to come in. They're calling in all time of the day and all the time of the night. They have a very rude and bad attitude and I'm just sick of them calling me so much when I told them that when I get paid and I have enough money I will bring them a payment. They act like they don't hear me the first time and they called again and another one called again and it is really getting annoying and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposit a check in amount of {$30000.00} in my account at JP Morgan Chase Bank. On around XX/XX/XXXX I lost access to my account thru mobile banking app without any notices. On XX/XX/XXXX I spoke to bank teller where I deposited the check to find out why I was not able to access my account info. I was told that my account was closed and no other explanation as to why it was closed. I was given a phone number to call to find out more info. Same day I called that number and was told that my account was flagged for fraudulent activity after I deposited the {$30000.00} check. and they failed to verify the person/business who have issued that check. I gave them the phone numbers of the person/business who issued me that check. and they refused to call that numbers to verify because it does not match in their system. The check has been cleared and money is already withdrawn from the person account who issued me that check. Chase bank is holding that money hostage and refused to release those funds to me till they can verify the check or refused to deposit the money back to person account where it came from. They also failed to give me any kind of time lines to how long it will take to resolve the issue and I am in desperate need of money to pay my mortgage and other bill. I had spoke to Chase branch Manger and call the chase customer service multiple time since XX/XX/XXXX and still there is no resolve. Please Help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-05 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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