vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/22 I disputed the accuracy of account XXXX XXXX XXXX XXXX # XXXX with EXPERIAN due to inaccurate information. EXPERIAN stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate and unverified information listed on the account. This is a violation of the FCRA. Also, the " Date of Last Activity '', " Date Reported '' and " Date Opened '' are inaccurate ( please see attached document of the two credit bureaus showing different dates ). These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute- they did not.

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 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Immediately prior to COVID, we were working with PHH Mortgage/Ocwen on a modification plan. We had fallen behind on payments as ( then ) Ocwen had told us to pay once we receive its statements but its statements were sent to a wrong address rather than the address of record. Modification was approved, but our relationship manager specifically instructed not to pay as she said there were internal irregularities with the loan paperwork. She said she was fixing the problem on an expedited basis ( w/I 3-5 days ) so we may proceed with the modification. 2 days later, they recorded a foreclosure notice against our family home. We have since fought them for a modification. Each time they approve one, and we meet all conditions, they find a way to put us back into a new modification trial period. Recently, after we made all trial payments on time, they refused to send us the modification paperwork to sign, then reversed the modification for not signing the paperwork they refused to send. After fighting them again, they started a new modification trial plan. We made our 1st payment on time, only to learn ( when we tried to make 2nd timely payment ) that they reversed the approval because their agent made an error in processing the 1st payment. We only learned of that when we contacted them to make the 2d payment. They never tried to contact us ( thru any means ) to verify the bank account info. Instead, they automatically placed the account into active foreclosure status. They are refusing to communicate with us or solve the problem. They are missing scheduled appointments. They are refusing to put a hold on the active foreclosure as we try to communicate and resolve the problem. Both my husband and I are elderly and are severely XXXX. This company continued to delay in order to force us to either pay the entire sum in full or lose the house in foreclosure. Please note that we have tendered payments all along ( since this problem started ) but they refuse to accept payments in order for the payments to add up to a point where we can not pay or lose the family home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-06-03 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: Credit Plus Inc
State: NJ

Complaint narrative:
I do not recognize the following inquiry on my credit report CREDIT PLUS ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I check my credit at least twice a week I pay off all of my debts. I recently checked my credit and found multiple medical bills that I didn't recognize. I have not previously received written notification or any other notification about the debt. The only reason I contacted and paid this debt in full that showed up on my credit report is because, I am making a purchase that these derogatory comments will reflect negatively on me. I feel like I am being strong arm by the XXXX for something I am not sure I should be paying, but I have no choice but to pay in order to purchase a place to live. Thank you any help you can provide would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
Transunion is reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-03 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: FL

Complaint narrative:
List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : 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 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: AZ

Complaint narrative:
In XX/XX/2022, I was interviewing companies to provide pool cleaning services at my home in XXXX, AZ. The first pool company came to give me a quote. They checked my water metrics and pool equipment. They gave me a monthly quote for the pool cleaning service per month with 1 day per week coming to clean my pool. 

I had received an advertisement from XXXX XXXX XXXX for {$99.00} per month. I called them to see if they could accommodate this price. They said they had to have someone come check the water and equipment. In XX/XX/2022 this shady guy came to give me a quote. He said the pool needed the water to be pumped out & drained, acid wash the pool walls, refill the pool with water, and put all the chemicals in the pool. By the way, the pool was crystal clear and pool walls clean when he communicated that all this work needed to be done prior to the monthly pool service being started and quoted me an outrageous price. They never disclosed that they would charge to give me a quote and I never agreed to any charge for giving me a quote. 

I had another XXXX XXXX XXXX the next day come to give me a quote. They checked the pool water metrics and equipment and gave me a monthly pool service quote. Like the first pool cleaning company they didn't say I needed what the XXXX XXXX say I needed done to my pool and just gave me a quote for the monthly service anything the other In XX/XX/2022 XXXX XXXX XXXX came to give me a quote for monthly pool. I never agreed to start pool service with them, signed contract or service agreement, and they never cleaned my pool. 

A month later I get an invoice for them coming to give me a quote which they never disclosed they would charge me for giving me a quote neither did I agree that I would pay them for giving me a quote to clean my pool.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Subject : Honda Wrongly reported missed payment to credit bureaus. 

I leased my car with Honda in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed Honda about my new address. I have been paying taxes since day 1 on time. Below are dates of each year Honda sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
Honda Account XXXX. XXXX Case I opened with Honda : Dispute # XXXX Details of property taxes I have been sending to Honda are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates is trying to collect on debt that I do not owe. I have asked them to prove that this debt belongs to me on many occasions. They have been unable to do so. They bought some debt from XXXX XXXX for pennies on the dollar to make a profit. They only provide an account summary. They have no copies of my signature anywhere ( because the account isn't mine ). They could very easily say the man in the moon owes that to XXXX XXXX. Portfolio Recovery Associates is a very unethical and immoral company. They buy debt from companies with no proof that the debt is actually owed. This is inaccurate and unverifiable but it has yet to be removed. That is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Funding Balance {$130.00} XXXXXXXX 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 XXXXXXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry XXXX XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXXXXXX : XXXX Contact : Not Available Inquiry XXXX XXXX  of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXXXXXX 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-06-03 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: MD

Complaint narrative:
I have been using Venmo for 3 years and upon cancelling my debit card, which was linked to my account was subject to fraud. Therefore u had to cancel it and upon cancelling my card my Venmo account was frozen. When I received my new card I linked it to my account and the problem still occurred. I am not able to make payments receive payments, or even retrieve my balance. I have tried to resolve this issue with Venmo, I have spoken to them on the phone and they have told me I can only resolve it online, which is why I reached out to customer service. I was in contact with customer service, having to answer many questions and suddenly venmo stopped responding to my emails in the midst of attempting to resolve this issue. There is no way to reach Venmo I contact them fill out q form and then they never contact me again and it is the same process over and over. I have expressed to Venmo that even if I can not use my account all I want is to retrieve my balance as I have a large amount of money and am unable to get it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a care credit loan thru Synchrony bank at my dentists office. I was told I wouldnt have interest for 18 months as long as I made the minimum payments. I actually called them I day I got approved to sent up auto payment to pay off the amount by the end of the 18 months. I then was met with an email 18 month later saying I had {$1500.00} sent in interest. I then found out that they sent my auto pay to the minimum instead of the amount I asked for. I know o should have been checking but I was 3 month postpartum and set it up so I didnt have to worry about it. On top of that I found out they we charging me $ XXXX {$70.00} a month of a card security fee that I didnt sign up for and I was not informed about. They claim it was a voluntary charge but I didnt volunteer for it. They only refund some of the charges amounting in {$610.00} refunding to me but they are still trying to over charge me {$350.00} to pay off before they permanently add the {$1500.00} to my account. I have talked to them numerous times even doing the basic math over the phone with them but they are refusing to listen to there own statement balances. On top of that I cant even get a copy of the last 18 months of statements that only show the last 12 statements so I dont even now if my refund of {$610.00} is correct cause by the collections of just the last 12 month they would owe me {$550.00} so add another 6 months and it should be around {$900.00} not {$610.00} but I can even verify because I cant see my statements. I have tried to be civil but they refuse to even try to listen to the fact that they messed up and are trying to charge me an addition {$350.00} minimum.

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 2022-06-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: VA

Complaint narrative:
I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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