vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lending Club Corp
State: VT

Complaint narrative:
Choices available on this form are inadequate for my situation. 
XXXX XX/XX/XXXX, I borrowed just under {$10000.00} on line from Lending Club ( loan # XXXX ). 
Approximately of the proceeds was to go to my XXXX XXXX Rewards credit card balance, the remainder was to be deposited in my XXXX XXXX  XXXX. checking account ( XXXX ) already on record with Lending Club. [ Note : XXXX XX/XX/XXXX, I paid off a previous loan to Lending Club via autopay from the XXXX  account above. ] Instead, Lending Club sent the payment to a different XXXX account, my XXXX XXXX credit card. 
After I brought this to their attention, Lending Club did nothing to coorect their error, and left it to me to clean up their mess. 
Worse, however, is that they also sent the the to a bank account I closed years ago XXXX XXXX XXXX  XXXX  ( XXXX ) Lending Club is notorious for poor customer service ( see XXXX  complaints ). 
My many calls to Lending Club were inordinately difficult to put through to a live human agent. When I eventually did get through, Lending Club Help Desk counseled just waiting. 
Waiting failed ( i.e., no $ deposited in my XXXX Bank account ). I started ccing Lending Clubs CEO XXXX on my complaints to Lending Club Help Desk.

XXXX office did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
PayPal restricted my account with not a great reason or with practically no substantial explanation. Im sure that I followed all their policy. It enormously influence my work in light of the fact that my supervisor send my compensation in my Paypal account. Trusting that they can reestablish my record back. Much appreciated! Here is my PayPal email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( XXXX ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XX/XX/XXXX, I informed Wells Fargo to place a STOP PAYMENT of a check written in the amount of {$3600.00} to the United States Treasury ( i.e., IRS ). The STOP PAYMENT was placed. The {$3600.00} and the {$35.00} STOP PAYMENT fees were deducted from my Small Business account. During XX/XX/XXXX, IRS sent me a copy of the returned check due to the STOP PAYMENT as an unpaid bill due. Since {$3600.00} remained deducted from my Small Business account, I paid IRS that amount plus interest. After hearing from IRS, I notified Wells Fargo within XXXX business days during XX/XX/XXXX ; I notified Wells Fargo again during XX/XX/XXXX. Wells Fargo refuse to reimburse me, although the {$3600.00} was not paid to IRS and remained debited from my account. Wells Fargo claimed that too much time passed before I notified them about the charge.

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 2022-02-07 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: WA

Complaint narrative:
I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( 5 ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts

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 2022-02-07 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: WA

Complaint narrative:
I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( XXXX ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts

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 2022-02-07 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I recently received my credit report and found an inquiry from SYNCB/PAYPAL. I did not apply for credit with Paypal. I do not even have a Paypal account. This inquiry is fraudulent and was not authorized by me.

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 2022-02-07 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: NJ

Complaint narrative:
The following account was charged off as of XX/XX/2018. Since then, the account has been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. I've disputed this account several times in the past year & all the company does is update the account each time. The constant reporting of this account violates my consumer rights according the FCRA section 623, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) a person shall not furnish any information relating to a consumer if the persons know or has reasonable cause that the information is inaccurate. Any information disputed by a consumer that is found to be inaccurate during reinvestigation should be promptly deleted by the consumer reporting agency pursuant to FCRA 611, 15 U.S.C. 1681h- ( a ) ( XXXX ) ( A ) ( i ). These violations are a clear indication that this company has continuously failed to properly investigate my disputes. This inaccurate information is preventing me & my family from buying a home

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Hello, I fell behind in my mortgage payments ( Shellpoint ) and was given an agreement to make three consecutive payments of {$900.00}. I was working homecare and XXXX ( fall 2019 ) and not able to make all three payments. I was served paperwork indicating I had to pay rears of {$20000.00}. I panicked and filed bankruptcy. Since that time Shellpoint representative ( XXXX XXXX ) have ignored my plee. In an effort to save myself I filed bankruptcy. Attorney XXXX XXXX ( bankruptcy ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: WA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish utilization on my consumer report?

Did I give you written instructions to furnish a balance on my consumer report?

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$160.00} XXXX XXXX / XXXX / {$550.00} XXXX XXXX/ XXXX / {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This account is close/charged off account and is still reporting a increasing balance and passed due

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 2022-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I'm a XXXX individual that has a property I own that I have a FHA loan for. I signed my contract for my loan with one lender and now I'm dealing with Mr Cooper who is not listed as the lender in my contract. 
Mr Cooper employees have refused to allow me to make payments, I also have my payments set up for auto pay on the XXXX of each month and Mr Cooper has never took my payment. 
Mr Cooper employees have also used my Disabilities to treat me less favorable and interfere with my contractual relations and purposes of my federal FHA loan and allowed it's employees to interfere with me making payments. 
I'm concerned for my family and infant son and where how Mr Cooper has already treated us, we are in fear they may attempt to interfere with my loan contract and property. 
As a XXXX person I understand it's a federal felony to deceive and exploit me in matters involving my finances and property, and given Mr Cooper 's ongoing conduct and the abuse and discrimination I've incurred I'm concerned for our safety and welfare. 
Mr Cooper employees have shown in recordings they believe Disabilities, the law and someone's rights are merely feelings and believe their policies allow them to abuse and mistreat vulnerable disabled individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I never used SageStream and XXXX services before. What they did is illegally stole my personal information to sell to credit card applications and what not. I requested complete opt out and removal and they will not remove me without my SSN and date of birth ... which they should never have that information in the first place, nor an I giving a company that stole my information more of my personal information. I have tried going the XXXX  route and they continue to respond with the same response of they will send me a letter, which means they don't care about storing my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I am an identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Had a card with Wells Fargo. They placed me on Covid-19 payment assistance. But never sent me any information about the duration of the assistance or when I would be coming off the assistance. But to make sure a payment was posted, I mailed them a {$30.00} check even during my period of payment assistance. Howeve, this payment was never applied. Instead, they removed me from covid assistance without notice, causing a late payment on my credit report. I closed my account to get away from this shady company.

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 2022-02-07 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: WA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish utilization on my consumer report? 

Did I give you written instructions to furnish a balance on my consumer report? 

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: WA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish utilization on my consumer report?

Did I give you written instructions to furnish a balance on my consumer report?

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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