vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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 XX/XX/XXXX XXXX # 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 an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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, 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 15 U.S.C 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 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have a credit card with Comenity Bank. Their website and portal to view accounts and pay on accounts has been down for weeks. They keep calling my cell phone and when I answer the line goes dead. They have also reported late payments to my credit and added late fees even while its not possible to pay online due to technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I notified 5th/3rd bank that checks written in XXXX had not posted and I feared they were involved in washed check fraud on checks stolen out of USPS mailboxes XXXX I was advised by a 5th/3rd employee to place a " lost check '' STOP PAYMENT on the checks and this would stop them from being processed by the bank. The hold was placed on XX/XX/2022. 
On XX/XX/2022, I checked my account and {$17000.00} was missing. A check had indeed been washed and 5th/3rd paid over the stop payment. The washed check was dated and negotiated on XX/XX/XXXX. I notified 5th/3rd at XXXX XXXX  on XX/XX/XXXX of the fraud but was informed it was too late to take action because XXXX XXXX XXXXXXXX had paid out cash on the check. 
5th/3rd has refused to accept any responsibility for paying over the stop payment. There is a fraud claim between 5th/3rd and XXXX. The only information I have received is that it will take 30 to 180 days to process. Why are these mega-banks allowed to deny their responsibility for allowing the fraud while the customer who tried to stop the fraud is penalized and not even able to check progress on the claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX  Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A 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
Consumer complaint received 2022-07-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I filed a recent complaint and they responded with an answer that contradicts the letter they sent in response. They have denied my request to obtain information my mother 's loan even though I have submitted proof that I am on the deed to the house and qualify as a Successor in Interest according to Regulation Z. Also, to stop sending correspondence to the house where renters are retrieving the mail. 

They are trying to foreclose on the house even though I have the means and ability to refinance the home. I have been approved for a loan to do so already. But the lender can not do anything while the home is in pre-foreclosure status. It seems like PHH is doing everything they can to keep me from legal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am having problems adding money or withdrawing from my pay pal mobile wallet. The company just sent me a message that Ican nolonger use pay pal and that my account was permanently limited yet I have not violated any of the policies of the company. The case ( XXXX ID - XXXX ) under my pay pal mail XXXX. Please I need assistance because I have been using to receive payments from tutoring platform XXXX and now I am unable to add funds to the pay pal account. Please compel the company to respond to my please and restore my pay pal account to normalcy. I previously raised a complain and The company did not resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
My account for XXXX XXXX was closed XXXX of XXXX an account was opened by XXXX XXXX, without notification, my signature, my knowledge or permission. 

Closing and account affects my credit score, along with opening another account. 

I had not used XXXXXXXX one time since my original account, which was automatically closed after a year without use. I understand and am okay with that on my report. 
What I am not okay with is XXXX opening a brand new account on my credit when I had not once agreed to any of this, this is fraud, this is illegal in fact. They opened a brand new credit account without my knowledge and are affecting my financial situations. 
I received a letter from XXXX XXXX saying they reached an agreement with a new company and this is standard. This is not standard protocol to just open accounts under peoples social security numbers at will.

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 2022-07-04 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: MI

Complaint narrative:
My account for XXXX XXXX was closed XXXX of XXXX  an account was opened by XXXX XXXX, without notification, my signature, my knowledge or permission. 

Closing and account affects my credit score, along with opening another account. 

I had not used XXXXXXXX  one time since my original account, which was automatically closed after a year without use. I understand and am okay with that on my report. 
What I am not okay with is XXXX opening a brand new account on my credit when I had not once agreed to any of this, this is fraud, this is illegal in fact. They opened a brand new credit account without my knowledge and are affecting my financial situations. 
I received a letter from XXXX XXXX saying they reached an agreement with a new company and this is standard. This is not standard protocol to just open accounts under peoples social security numbers at will.

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 2022-07-04 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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 2022-07-04 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-07-04 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:
in accordance with the Fair Credit Reporting act XXXX  accounts, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Under 15 U.S.C 1681i ( 7 ) method of verification, this account is in violation ; it was reported without valid evidence. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not have an account with this company : XXXX XXXX XXXX XXXX. I want it removed from my credit report.

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 2022-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted lender to pick up their collateral of my vehicle, sell the vehicle and apply proceeds to balance. Unfortuanely, after many calls and emails they have not obtained property from my residence, and have fradulenty reported this as bad debt, and has sent my info to an attoreny for collection without adhering to the signed contract on XX/XX/XXXX, which indicates GA Penal Code 11-9-610 default per collateral. I am attaching all documents to support my complaint. The law firm that is now harrassing me is none other than : XXXX XXXX XXXX, XXXX ; of XXXX AL. I was unemployed and was unable to make payments, and therefore, I honored our agreement to surrender my XXXX XXXX XXXX to comply with contract. However, One Main Financial has breached their commitmement to take possession, and have now submitted false information to all three credit agencies as a bad and derogatory debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: MA

Complaint narrative:
Old Navy credit card keeps falsely charging me interest on statement balances that are paid not only in *full* but exceed the payment balance due and have deposits made toward the next monthly statement as well. I started realizing this so I've paid the credit card off in full and still have been hit with fraudulent interest charges. I contacted the credit card company to complain over the phone and online and they either were not helpful or were of very little help. In one conversation, when I told the representative that the interest charges I was charged were false and I wanted them removed -- they told me I would have to call back at a later date because they couldn't do anything about the charges. This made no sense to me as its their job to fix these things. They claimed they record phone calls, so maybe they'll have the conversation as evidence of their continued fraud. I don't know how far back they've been falsely charging me. I think this has been going on for a long time. I learned about this from another old navy credit card customer. They asked me if I had been checking my interest rates because they were getting continually charged false interest charges, so I started paying my balances in full and monitoring mine, and sure enough... Fraudulent interest charges. They need to be stopped. They are stealing from families. It's criminal.

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 2022-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I pay my mortgage payments to a servicing company on a monthly ACH. Beginning in XXXX through XXXX, my payment was being withdrawn from my account, but not being applied to my mortgage. They were being put into an account, " unapplied funds ''. I found out because when I noticed my XXXX payment had not been deducted from my bank account by the specified date, I called customer service. It was then that I found out that there was over {$5000.00}. in this " unapplied funds '' account. By now they were saying I was delinquent on my loan. I have all of the ID numbers on my bank statements to prove the funds had been removed. 
The amount of the unapplied funds was {$7000.00}. It has finally been updated, but even after it was properly applied, I received a statement dated XX/XX/2022 stating I was 133 days delinquent. 

Not only did they not apply my mortgage payments, but in XXXX, XXXX, I paid {$500.00}. towards escrow. It had been applied to the mortgage, and it took me a few months to get that sorted even though I wrote " escrow only '' on my check which was attached to a payment coupon from the company that said " escrow payment ''. I got that sorted in XXXX and it was not applied to my escrow until XXXX, and I see no acknowledgement on my statements or any other correspondence, just what the customer service rep told me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TX

Complaint narrative:
I do not have an account with this company : XXXX XXXX XXXX XXXX. I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: OH

Complaint narrative:
Im 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 XXXX XXXX Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 Section 2 : Its Also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Can someone please let me know whats going on with My application. I have not heard back from anybody in a while, I heard from a lady named XXXX she says much shes my caseworker and would call me within seven days I would hear something but its been over a month. I applied on XX/XX/11 received my confirmation number. I called my mortgage company Suntrust Truest bank they have no clue about this program.

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 2022-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX and I, as a consumer, am making this complaint against Transunion. This complaint is relating to the CHARGE OFF account from XXXX XXXX, ACCOUNT NUMBER XXXX. Transunion has been inaccurately reporting information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon my consumer report being fair and accurate. Not only is the information inaccurate, I was never notified when this information was furnished, and during your company 's initial investigation that this information would be reported. This grave error has undermined my confidence in Transunion 's procedures. This unfortunate mishap has ruined my reputation and adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 2 ), Transunion is a powerless elaborate mechanism. Also, Transunion ASSUMED this role. Transunion was never given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Transunion fail in the initial investigation of this information, Transunion ASSUMED this role and assumed this information was valid ; which is a violation of my consumer rights. Transunion did not insure that this information being reported was accurate and did not exercise their grave responsibility with fairness and impartiality. Transunion took one side of the story and never consulted with me to ascertain if this transaction even took place. My right to privacy has been breached and violated. ( SEE EXHIBIT A ). Congress has made it abundantly clear that a consumer report SHOULD NOT include transactions between the consumer and the person making the report. This is another violation of my federally protected rights. I was never given opportunity to deny this information being communicated on my consumer report. This is another blatant violation. Pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit of a credit card should be excluded from my consumer report. This alleged transaction that Transunion clearly did not investigate is categorized as a transaction that was issued from a credit card ; credit card as defined under 15 USC 1602 ( L ). Definition attached and highlighted in EXHIBIT B.

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