vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was notified I had a {$700.00} collection on my credit report. When I looked into it XXXX a collection for a utility company out of XXXX, XXXX. When I called them they said a woman used my social security number to open an account. I am going to their process now which includes this complaint and a police report was filed. I do not have any property in XXXX, XXXX  where the utilities were shown to be hooked up. I called the company in early XXXX to get this remedied, but need this complaint to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
In regards to GM financial account number XXXX I have filed complaints with GM, XXXX and XXXX. About the account. On XX/XX/2022 all XXXX places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when GM cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All XXXX of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
At XXXX on XX/XX/XXXX, I created a new PayPal XXXX account to accept payments for a new business venture I'm developing. I submitted my own information, using an address in XXXX  where I can safely receive mail because my XXXX lease is expiring at the end of XXXX. 
I received a confirmation email containing my mailing address at XXXX on the XXXX. I did not request any payments, did not link a bank account, and did not link a payment method. It was an empty account, created a period of days or weeks before I expected to make use of it. 

At XXXX on XX/XX/XXXX, almost exactly XXXX hours later, PayPal XXXX me that they were closing the account as fraudulent. 

> After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. 
> You'll not be able to conduct any further business using PayPal. 

I believe this XXXX be because I used a XXXX  address while living in XXXX, which I did for mail continuity during a move. 

This information is rightly mine, and correct. PayPal made no attempt to communicate with me outside of automated transactional emails, and I had no opportunity to remedy the situation. Attempts to contact PayPal support have been stonewalled, met with an auto-response indicating the decision is final. 

This will complicate accepting payments for my project, a XXXX XXXX XXXX for a community of software developers. PayPal is a familiar and trusted platform by the international audience that currently uses our free system, no not having access will make it more difficult to complete these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2022-05-03 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: TX

Complaint narrative:
Department of EducationXXXX XXXX reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my XXXX & TransUnion report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly

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 2022-05-03 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: TX

Complaint narrative:
Department of EducationXXXX XXXX XXXX inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my Experian & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly

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 2022-05-03 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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't furnish a account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been unwilling to correct this and remove the XXXX day late from my credit reports. I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported XXXX days late to each of the three Credit Reporting agencies. It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.

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 2022-05-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Axos Bank intentionally stalled the refi process to change the rate from 3 % to 4.5 % Timeline XX/XX/XXXX I started the Refi process with Axos Bank XX/XX/XXXX I was unjustly denied based on Axos miscalculation my income. 
XX/XX/XXXX After speaking with a supervisor, Axos bank restarted the application process. 
Axos kept delaying the process for weeks at a time for no apparent reason. I always sent in the requested information in a timely manner. 
XX/XX/XXXX After XXXX  months of stringing me along ( counting from the XXXX  time of application ), Axos finally approved my mortgage... 
... BUT Axos broke the rate lock right before doing so. 

They knew exactly what they were doing, knew where the process was holding, and delayed the refi in order to able break the rate lock since mortgage rates were climbing. 
This is not just bad customer service. This was deliberate and intentional to be able to charge more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$13000.00} to my personal checking account at Chase which was made out to my girlfriend. It was an escrow account check. We both endorsed the check. The Bank verified with me at the Branch on XX/XX/2022 that the funds were available and in the account. I withdrew part of the money. When I returned home on the evening of the XXXX, I had a notice that Chase had placed a hold on the account until the twelfth. No reason was given and they told me I was overdrawn. When I tried to find out why a Chase representative told me I had to take the check payee and myself into a branch and meet with the manager to properly identify the transaction. I did this on XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to wire money from my account. I was told my account was restricted and would be closed. I was told I had not appeared at a branch with the payee. The branch manager confirmed I was there with the payee but the bank would still not release my funds, telling me they would need to mail me a check for the proceeds in XXXX days. XXXX days passed-no check was mailed, and now they say they have to verify the check with the maker. I have not been able to make my XXXX XXXX XXXX XXXX payment for his college and is he is XXXX next week. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03 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: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 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 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 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 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a 24-month no-interest purchase at XXXX XXXX in XXXX XXXX XXXX. The agreement was that all amounts paid in excess of the minimum payment would be applied to this purchase. In the next several months, I had other, shorter no-interest plans which have since been paid off. My payments had been allocated as I requested up until XXXX, XXXX. On my XXXX and XXXX statements, the entire amount paid in excess of the minimum payment was not allocated to my single remaining no-interest purchase. The current months interest on my revolving account was paid before allocating the rest to my no-interest purchase. This is approximately {$70.00} per month for XXXX and XXXX. 

I emailed the XXXX XXXX credit department on XX/XX/XXXX, and received a response stating the general rules of how payments are allocated. My specific issue was not addressed. Today, XX/XX/XXXX, I spoke to two different customer service reps by phone, and they will not address this issue. 

One of them said I could request to override the minimum payment and have my entire amount sent to the no-interest account. The other said this was not possible. I was also told that I had requested only 50 % of the excess payment to go to the no-interest account and that I could only change this online. This is not true. When I had two no-interest accounts, 50 % went to each one, but the websites states clearly that if you only have one N-I account, all excess payment will go to that account.

I was told different things by each person, and none of them addressed the issue. I cant list them all here, and they did not guarantee that my payments would be applied the way they should. They sounded scripted, and one of them read a long legal clause to me. I feel like I am being given the run-around so that I will default on the no-interest agreement. They are not dealing with me fairly or intelligently.

I have attached my last three statements as well as two from XXXX so you can see my payment allocations were not reduced by subtracting revolving account interest.

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