vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I called the company who is tried took over for XXXX XXXX XXXX. Allied Collection Co. took over the account XXXX XXXX, XXXX. The amount I owe now as of today is {$1900.00} That amount was way less when I tried last year to resolve my issue. I tried to make payments, they refused to take payments. I asked if I can do a payment plan, they refused as well. I asked if I can settle, they refused to settle. The answer I got back from the person on the phone was I had to pay in full, they do not settle. They said I made only one payment. I honestly thought I had paid the account and it was closed. But they say I didnt, so I tried to reason with the company and they refused, so I stopped calling. I said I wasnt going to pay for fees Im not responsible for if they cant settle with me. So I hanged up because the refuse to work with me. I even tried to despite it though XXXX XXXX and I was denied. Dont know what else to do to get this off my credit report and resolve this issue with that company.

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 2023-06-02 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed 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 2023-06-02 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: Ability Recovery Services, LLC
State: CA

Complaint narrative:
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed 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 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am not sure of dates but the amounts are ridiculous and the hard and soft credit inquiries arent accurate either.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I made a deferred interest purchase with XXXX XXXX XXXX XXXX ( Synchrony Bank ). The deferred interest period ends on XX/XX/XXXX. On XX/XX/XXXX, I made an online payment to Synchrony Bank on that account for {$130.00}. On XX/XX/XXXX, I made a new purchase using that same store charge of {$1500.00} at XXXX 's, which was a regular charge ( interest applying ). There were advantages for using the store credit card for the new purchase, which were explained to me by the store associate. Those advantages were a discount for using the store charge. I could have used a regular XXXX  for the purchase, but I would not get the same discount benefit. Not wanting to pay interest on the newest purchase I made a payment of {$1500.00} on that account on XX/XX/XXXX ( in the same billing period ), with the understanding that the payment would first be applied to the interest accruing purchase, leaving the deferred interest purchase intact. I started to notice I was being charged interest on the account and I called them. At first, they agreed to resolve the matter reapplying the payments made in XX/XX/XXXX to the interest-bearing balance. Today I spoke to a representative when I saw the new balance had interest applied as well at XXXX and asked what was happening with this issue. To date, I have been assessed {$94.00} in interest payments and have no recourse with them as they are denying me my request.

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 monetary relief
Consumer complaint received 2023-06-02 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 confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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 confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed 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 non-monetary relief
Consumer complaint received 2023-06-02 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: CITIBANK, N.A.
State: ID

Complaint narrative:
Citibank card raised my credit limit then they lowered my limit. They are giving me fees on top of that for reaching my credit. They are hurting my credit score and refuse to work with me even though most of my payments have been on time. I also have not been notified of the credit limit change and have had to find out when I tried to use my card I paid it down by XXXX XX/XX/XXXX and they lowered my limit by XXXX on XX/XX/XXXX, while I was in another country and it really put me in a bind. Its ridiculous that they are hurting my credit even though my account should be paid down and far from the credit limit.

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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Subject : Unauthorized Transaction on PayPal Account On XX/XX/XXXX, an unauthorized transaction of {$550.00} was made using my PayPal account. The purchase was made with the seller XXXX XXXX XXXX XXXX XXXX. The Transaction ID for this purchase is XXXX. The item purchased was XXXX XXXX ( Item # XXXX ) and the total amount included shipping and tax charges. 

Upon noticing the transaction, I immediately reported the issue to PayPal via their Resolution Center. However, despite multiple attempts to contact PayPal for support, I have not been able to speak with a representative to resolve the issue. I believe my account was compromised, and this transaction was fraudulent, as I do not know or live with anyone in the shipping address provided for the transaction. 

Furthermore, the backup payment method for this transaction, a VISA card ending in XXXX, has also been affected. I reported the issue to my bank, which kindly removed the charge. However, the issue with the PayPal transaction remains unresolved. 

I kindly request that this matter be investigated promptly and thoroughly. I have always used PayPal believing in its commitment to user security and am disappointed at this breach and the subsequent lack of customer service. I hope to see this situation rectified and measures taken to prevent such incidents in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.

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 2023-06-03 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a message that they would be disabling my car for the overdue payment of {$85.00}, at XXXX XXXX  I called and tried to arrange a post-dated payment for XX/XX/XXXX due to me not being sure of the direct deposit that was pending to be released but was denied the due to it falling on the weekend.On XX/XX/XXXX at XXXX XXXX, I went online and paid the amount of {$85.00}. The car was still disabled when attempting to go to work at XXXX XXXX. I called several times and after failed attempts, they are not cutting the car back on. I am almost done paying this car off and after several failed attempts of wanting me to trade in my car, they are acting as if something electrical is wrong with it. This company stated that they could tow it to a location but I would be responsible for the tow cost and repair, I didn't disable it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: MI

Complaint narrative:
Once again for the third time submitting these violations inaccurate information on my credit report to transunion demanding transunion to remove account name : XXXX XXXX XXXX XXXX XXXX  from my credit report transunion has allow account to violated several of my FCRA rights, I submitted documentation of this account pay and full as agreed by collector on letter head that has identified there self collecting a debt for XXXX XXXX XXXX XXXX XXXX the documention show and identify who was paid as agreed the original debtor and this debt has been resolved by both parties including XXXX XXXX  which has collected the debt. Reading the fine print of this documentation clearly states this debt is resolve and is pay and full as agreed. 
This information also provided states Im know longer connected to any debt with this account and this account is pay and full as agreed by collector on letter head who has shown who they are collecting the debt for. which is XXXX XXXX Either remove this account and remarks or update this account as pay in full as agreed under my protected rights, if this account do not be removed or update to a pay in full account with no remarks as agreed, this account will be in violation of 15 U.S.C. 1692e for misleading me as the consumer knowing the debt has been paid as agreed Knowing the collector sort a debt out stating they collecting a debt on the behalf of XXXX XXXX which result in several violations on transunion as well, this account is also past the 30 day expiration for investigation again. which transunion must remove this account - or update a pay and full account with no negative marks, no charge off remarks on my credit report link to this account, as instructed also as show on documentation its paid. 


15 U.S.C 1692j section ( a ) 15 U.S.C 1692f under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with 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 2023-06-03 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank/ PPC is reporting negative payments during COVID Violating of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. The intention behind this provision is to prevent credit scores from being ruined and to protect consumers from adverse effects on their credit reports. 

Synchrony Bank is violating my consumer rights

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
I noticed an unauthorized withdrawal of {$3000.00} from my checking account on my bank 's website. The withdrawal was made to an XXXX XXXX card. I called my bank, Bank of Hope, to report the fraud, but they refused to open a fraud case. The bank representative told me to contact XXXX XXXX instead. This is a violation of Regulation E, which requires banks to investigate all reports of unauthorized transactions. 

I am requesting that the CFPB investigate Bank of Hope for violating Regulation E. I am also requesting that the CFPB require Bank of Hope to return the {$3000.00} that was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I never received my settlement check from the Equifax XXXX XXXX XXXX. I initiated XXXX separate conversations with the XXXX at XXXX between XXXX and XXXX of XXXX, and each time I received either no response at all or a form response asking me to provide information that I had already provided. I responded to every email I received from ... XXXX  and provided all of the information that was requested, even when they simply sent me the same form several times in a row, but I never received confirmation that any correction had been made and I have still not received my settlement check. Equifax has not responded to any messages at all since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: AR

Complaint narrative:
I called New City Funding in XXXX XXXX, XXXX  repeatedly asking for help because the truck was dead and would cost {$4000.00} to repair. I had been with them for almost 4 years having paid off a first loan and getting a second that was almost paid off. The principal having been paid and {$1500.00} interest remaining. 
I told them to come repo the truck. They said it wasn't worth it. To scrap it. So I did. 
I also explained, before this, that I'm on XXXX and can't make 2 vehicle payments. 
The employee named XXXX just said, after repeated calls that I've asked them to not make and only contact me by mail, that he would call me " every day for 25 years '' since I was not making the payments. 
I'm tired of being harassed by multiple phone calls.

Company response to consumer: Closed with explanation