vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: Grain Technology, Inc.
State: NY

Complaint narrative:
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 a so 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 undersea open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: PA

Complaint narrative:
XXXX | XXXX XXXX Hi XXXX. My name is XXXX. I hope you are doing well. 
We have noticed the transfer into your Revolut account from " XXXX XXXX '' for the amount of " {$2700.00} ''. We will need to confirm a few more details as a routine check regarding this transaction. Could you please provide us with the following : 1 ) Purpose of the transaction ; 2 ) Proof ( invoice ) of the transaction ; Many thanks XXXX | XXXX XXXX XXXX It's my paycheck XXXX | XXXX XXXX XXXX As far as proof I don't know what proof you would need it's payroll... 
XXXX | XXXX XXXX XXXX XXXX. This is as part of our standard security measures and as a XXXX XXXX XXXX regulated firm, we are asking for this information for verification purposes. This applies to all of our users and is necessary to fulfill our legal obligations and for your future transactions. 
The proof could be any supporting document ( invoice. 
receipt ). Thanks. 
XXXX | XXXX XXXX XXXX But there is no invoice or receipt.. it's my salary Thank you so much for waiting and for staying on the chat. 
I really appreciate your time. Kindly allow me to inform you that I have submitted the case with all the required details. 
Now the case has been forwarded for further process to our escalations team. Hopefully, it won't take long now. 
This case should be moved to a faster conclusion and as soon it will be resolved then you will be notified. Thank you for your patience and have a calm day! 
XXXX | XXXX XXXX XXXX Thank you... I think... never heard of suck a thing ... my wife got her check no problem XXXX | XXXX XXXX Hi XXXX! My name is XXXX, I picked up this chat from my colleague and I want to start by appreciating the time you spent waiting. I am here to assist you today, so please give me a moment to check everything and I will do my best to come back shortly with a reply! 
XXXX | XXXX XXXX Kindly allow me to inform you that I have submitted the transfer with all the required details. Now the transfer has been forwarded for further processing to our Transfer team. Hopefully, it won't take long now. Our team is currently working on this with top priority. This case should be moved to a faster conclusion and as soon as possible, I have requested priority for your case. 
XXXX | XXXX XXXX XXXX Is there any update on this and is it going to prevent me from receiving my available funds tomorrow? 
XXXX | XXXX XXXX I'm sorry for the inconveniences, we do everything in our power to finish the transfer, as fast as possible. As soon as we have any further information we will get back to you. 
is XXXX | XXXX XXXX I have created another regarding your concern for declined transactions. My colleague will be assisting you there better. Thanks! 
XXXX | XXXX XXXX  And regarding the transfer with " XXXX XXXX  '', our Escalations team is working on it as we speak, I will be updating you here on chat once they have any further details. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
In accordance with the Fair credit reporting act Phoenix Recovery Group has violated my rights. 

15 USC 1681 Section 602 states that i have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my 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 plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
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 not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
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 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 ad late for 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 2022-12-03 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
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 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 ad late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Williams & Fudge, Inc
State: TX

Complaint narrative:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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

Complaint narrative:
my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for XXXX  days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I originally had a mortgage through XXXX XXXX  which was never paid late. Then on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXX XXXX  and then to Carrington mortgage Bank. Carrington rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXX XXXX  apologized and removed the late payments. But XXXX and Carrington have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. 
We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Back in XXXX oXXXX XXXX  someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with XXXX XXXX and Experian several times and attempted to get this issue resolved with No result. Ive asked several times for a XXXXetter of Validation from both XXXX XXXX and Experian and havent received one although I was told it was mailed to me. I have done everything I was asked by both XXXX XXXX and Experian with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both XXXX XXXX and Experian refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against XXXX XXXX. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and Experian stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.

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 2022-12-03 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: Global Lending Services LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 usc 1681section 602 states I have the 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
All of this information is available in my account. I applied for Public Service Forgiveness on XX/XX/ with my employer verification. I am showing 120 qualified payments which should qualify me for discharge. I received a denial letter on XX/XX/ even though I met all requirements. I called on XXXX the lady I talked to saiid it was an erroneous letter and I was being sent for final approval which could take up to a month. It has been a month. I have sent Mohela three messages beginning in XXXX and received one form email that addressed none of the issues. Mohela has no capacity to answer the phone or messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
15 USC 1681 section 602 state I have the 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 instruction.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TX

Complaint narrative:
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 not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for 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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My debit card was used XXXX times on the same day at XXXX different gas stations, XXXX was forty miles away and the at the same station I go to.called chase and told them and locked my card, waited a week without my card, got a refund for both which the total was XXXX XXXX.now XXXX weeks later they reversed the charges without notifying me why.I called they said they feel its not fraud.Ive been a customer with them XXXX years with same account, there is no pattern here.I did not make these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is 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 my credit card account under an open end consumer credit plan as late for 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 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon reviewing of my credit report I noticed several inquiries that I have not authorized nor have any knowledge of and will move forward to sue for negative and false credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: IL

Complaint narrative:
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 not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer cre pit plan as late for 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 non-monetary relief