vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A 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 2022-07-31 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A 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 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/22 Synchrony bank charged XXXX of interest on the promotional purchase without any warning. I have been paying on time and in excess of the minimum payment. 
Per their admission, only XXXX remained to pay off the promotional balance. 
The bank is charging interest on the total amount of the XXXX dollars which on XX/XX/22 I did not owe. They are charging me on interest I do now awe and did not agree to. 
This is predatory practice and they should be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC
State: MS

Complaint narrative:
XXXX sent an alert to XXXX that I had open a new installment loan XX/XX/2022. The account was with Rise in the amount of XXXX, XXXX. I contacted Rise to inform them that I didnt open an installment loan with them. I contacted the local police and filed a report. Also I filled out a form with the federal trade commission. I sent both of these reports to the fraud department at Rise XXXX XXXX. I received a letter in the mail from Rise stating that they did an investigation and determined the loan wasnt fraudulent. I have used Rise in the past but its been a long time. I didnt take out this loan. The loan has reduced my credit store. I have placed a fraud alert on all my accounts. When I called Rise they said there was past due payments too so if they report these, this will make my credit worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Service Finance COMPANY FILE A ILLIGLE UCC ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT XXXX BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit 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 explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage was sold to PHH Mortgage from XXXX XXXX in XX/XX/2021. PHH Mortgage claims that XXXX XXXX did not release all the funds in the escrow account. As a result they are charging me the money they claim they never received and the money which I pay for the escrow for tax purposes I have to pay out of pocket. 

For more than a year I have paid on time and at a higher rate than required. Instead of the required {$850.00} a month I have paid {$900.00} a month directing every time for the amount to go to principle. They have stated more than once it is because they have not received the funds from XXXX XXXX. 

I have filled my legal obligation in making payments on time and it seems to be breaking their contract with me for charging me for missing money they did not collect from a third party which I was not resolved in. If they have mismanaged funds which according to one of their Senior Account managers happens often on accounts it is not my responsibility or my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance to the fair credit reporting act XXXX  has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance to the fair credit reporting act XXXX has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I found out I was a victim of identity theft on XX/XX/XXXX, and I called Citi to inform them. Once I did that, they allowed someone to add a signer onto my account, they allowed a card to be rushed to an address never on my account, in another state, they have allowed my card to be used and added to an XXXX XXXX after I called over XXXX XXXX with over XXXX XXXX in call time. They will not give me information on my account, they will say they need to send me a letter to verify that I'm me, while they continue to allow my card to be used. I've asked for them close my account, and they won't. They have hung up me and refused to talk to me about my own account, that is attached to my card, I was told I needed to give them the name of the person added to my account, or I could not pass verification, and if I knew them. I believe this is an inside job, every time I changed someone, they changed in minutes to hours later. I'm concerned because they have taken over my account, I don't know where the bills will go, what the new credit card number is because they sent it to XXXX XXXX, not my XXXX Address. I can't have access to my account to file a dispute. I also received two text messages today, from unknown numbers calling me names and asking me to not spend my time, trying to get this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: IL

Complaint narrative:
In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit 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 explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
Company name : PayPal.Inc I have been using PayPal to receive payments for my business and also paid some of my staffs using some platforms On XXXX XX/XX/2022 I wanted to convert my personal PayPal account type to business type to start my new XXXX XXXX  and I stopped in middle of it. 

the next day I woke up and got charged some cents from one of my clients that I know and I designed for, I noticed in my emails that PayPal limited my account permanently with XXXX XXXX I earned in 3 months. ( in XXXX XX/XX/2022 ) I thought the reason was that I didn't complete converting my account to business type, so I completed it as fast as I can, but nothing happened. 

I immediately contacted the office in several ways, and they never told me the reason, they kept repeating that I violated the user agreement, while all what I was doing is selling my XXXX XXXX on XXXX, XXXX, and XXXX, and paying some of my staffs on up work, etc only. 

It's been 3 days, and yet they don't want to tell me what happened or give me my money back at least.. Only repeating thr same message over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
My XXXX XXXX Credit card is in collections with Midland Credit Management. The balance of the collection has increased. I just disputed this debt. Now all of a sudden the collections amount increases. Per your site, this is and illegal act. Midland Credit Management is in violation with such actions. The original debt is {$650.00}. As of today, its now {$650.00}. Which has impacted my credit score by a decrease of 9 points. This account has been in collections since 2019. With the amount owed. {$650.00}. Now all of sudden. After I depute the ownership of such collection account. The amount owed increased. And my credit score dropped 9 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX BANK XXXX Opened XX/XX/XXXX Balance {$680.00} ; OAG CHILD SUPPORT ENFORE XXXX Opened XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-CHI XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Company Name : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Since approximately XXXX, this company has contacted me repeatedly through calls and as of XX/XX/XXXX court summons. Most typically, they have called 3-4 times per week ; often using phone numbers that were not associated with them in any manner so as to avoid identification. 

They bought a credit card debt from a retailer that was closed in XX/XX/XXXX and subsequently charged off my credit record by the retailer in XXXX. 

Since they bought this debt in XXXX, not only have they continued to call several times per week, as of today on XX/XX/XXXX they served me with a summons to appear in court regarding this disputed claim with no notice, written or otherwise they were pursuing legal action. 

They summons was written and filed on XX/XX/XXXX and I did not receive this delivered by a process server until today on XX/XX/XXXX ( over two months from which this was signed ). 

Additionally, as part of this pattern of harassment, they have continued every few months to place on my credit record this and another debt acquired by them as new debt, which continues to unnecessarily tarnish my credit record ; instead of this being posted as old debt ( which it is and which they agree from XXXX ). 

Thank you for your help in this matter! 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I purchased a washing machine from XXXX on XX/XX/2022 for {$860.00}. When the washing machine was delivered, it did not work and was displaying an error code that told me to call XXXX. XXXX sent out a technician from XXXX XXXX ( requested on XX/XX/XXXX ; tech came on XX/XX/2022 ). When the technician came, they determined that the entire motor of the washing machine, as well as the harness was broken. 

The technician said they would need to order parts and return to fix it. 
On the XXXX, XXXX called me to offer a refund and I said yes. I was supposed to receive an email and send a receipt ( which I did ) and then the refund would be processed, and they would contact me about getting the washer back. I sent the receipt/invoice to the email and confirmed I wanted to be refunded for the broken washing machine. 

I sent the invoice as requested on XX/XX/XXXX, but was never refunded. I anticipated this would happen given my terrible experiences with XXXX, I disputed the charge through Capital One on XX/XX/2022. Capital, one received a letter from XXXX, lying that the washer was not broken. 

Now Capital One has put the balance as owed back on my account even though they claim that the case has not resolved. They are now requiring me to pay the disputed balance. They have requested additional documentation from me, including a letter from a third-party business ; essentially forcing me to do the investigation for the dispute myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief