vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX because based on their consumer history report of me I am unable to open an account with other financial institutions at the moment. I am filing a complaint against all of the diminishing details they have of me causing this to happen. I do not recognize any of the discrediting transactions made on my account because my accountwas compromised electronically in the past thus revealing my personalinformation to fraudulent personnel making those transactions possible. Therefore, I am disputing those transactions and all of the defamatory information of me on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Hi Sir/Madam, I have bought a new car ( XXXXXXXX XXXX XXXX ) in XX/XX/2023 and financed it with " Hyundai Motor Finance XXXX XXXX When I went and check my XXXX XXXX credit report, it is showing that I have financed it with " XXXX XXXX XXXX XXXX. 

This issue is present only with XXXX XXXX credit report. XXXX and XXXX showing the correct data. 

I have tried contacting XXXX XXXX Credit bureau multiple times but no luck. 

So that is why raising complain over here to fix my XXXX XXXX credit report. 

I am attaching my latest XXXX XXXX credit report as well as latest Auto loan statement from Hyundai motor finance.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Subject : Complaint against PHH Mortgage Dear Sir/Madam, I am writing to bring to your attention the frustrating and disappointing experience I have had with PHH Mortgage. I have been working with a mortgage defense attorney against PHH Mortgage because every consumer finance protection law they have not been complying with their contact for a family transfer is slow, and they have not sent me letters in the mail on what to do next. When they do respond, they leave a cliff hanger saying the process is incomplete and ask me to contact the modification counselor 's office. 

Unfortunately, even when I contact their counseling office, they state that I'm not authorized even after probate and recorded the deed of transferring title have been completed. Even when I say I am the successor of interest, and I have the necessary legal documents, the response from PHH remains the same. This is extremely frustrating, and I do not know where to turn.

I would appreciate it if you could investigate my case and determine why PHH is refusing to comply with the Consumer Finance Protection Act and other relevant laws. It is my hope that this situation will be resolved quickly and efficiently so that we can move forward without any further hassle. 

Thank you for your attention to this matter, and I look forward to hearing from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM EQUIFAX, XXXX, AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has permanently limited my account. 

No one will tell me why or what violation led to this. 


" " We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. '' ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a travel insurance claim on XXXX. XXXX, on behalf of Chase, promises a review within XXXX business days. Despite uploading all required information repeatedly, today on XXXX, I received an email and voicemail requesting the same information again. Chase needs to instruct its vendor XXXX to meet the terms and conditions of its travel insurance benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: TransferWise Ltd

Complaint narrative:
I want to cancel my transaction,, and then come back to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I requested a credit balance from Synchrony Bank/Vemno in of XXXX of XXXX. I was told a check would be issued via USPS mail within 15 business days. I requested to have the check sent either by XXXX  or XXXX  and was told USPS was the only option. After not receiving the check within the 15 business day, I informed Synchrony Bank/Vemno that XXXX didn't receive the check and requested the check be reissued. Instead of re-issuing the check, I received a letter with a copy of the check that was cashed. I immediately called Synchrony Bank/Vemno and made them aware it was not my signature on the back of the check and has no knowledge of the check cashing place where the check had been cashed. I was told an investigation would be done and I would received an update to their finding would be provided within 15 business days. I called back on XX/XX/XXXX and was told a new update would be provided on XX/XX/XXXX. I called back on XX/XX/XXXX and was told a new update would be provided on XX/XX/XXXX. When I refused to accept the new status date and requested to speak with a supervisor, the story changed. I was told Synchrony Bank/Vemno already issued a check that was cash and it was up to me to figure out how to get my money back. I would need to find the person and/or visit the check cashing place to get my money back. " If we issued another check, we would be out of {$1600.00}, and that's not on us. The check was mailed and cashed. It's not up to up to figure out who chased the check fraudulently. '' I requested to speak with another supervisor, and XXXX reiterated what I had been told. " It is up to you to figure out what happened to the {$800.00} check we issued to you '' When I requested to have this language sent to me in writing, I was told it could not be done. 

I'm uploading a copy of the check, police report filed, and a copy of my driver 's license with signature.

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 2023-06-15 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I had {$1000.00} deposited into my account XXXX days ago and they will not let me transfer money to my debit card they will not let me transfer money to any of my friends on my list in other words they will not let me get my money anyway which way whatsoever. They have Frozen my account so I have no access to my funds I have a car payment due yesterday and my power has been shut off now because of non-payment because I can not get to my funds that they are holding for no reason whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OneMain Finance Corporation
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, States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-15 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM XXXX, TRANSUNION, AND 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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM XXXX, XXXX, AND EXPERIAN.

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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AZ

Complaint narrative:
I took out an installment loan on XX/XX/XXXX with this company and they are charging astronomical fees to the point that I can not keep up with the payments any longer. I borrowed XXXX, made a XXXX payment early on XX/XX/XXXX. XXXX days after the date I received the loan. That brought my balance down to XXXX. I requested that they stop any automatic charges to the account and they confirmed that same day ( XX/XX/XXXX ) that they revoked future XXXX transactions. Today, XX/XX/XXXX, they debited my account XXXX dollars for the installment payment. I have a screenshot of that conversation. The amount still owed today even after that payment is showing as {$2800.00}. That means that after 24 days of receiving this loan, I would have paid them XXXX and still owe {$2800.00}!!! That is an unrealistic amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express continue charging interest for purchases on my monthly bills despite agreeing to the interest rate of 0.0 %. I contacted American Express 3 times in the past 3 month, about this, each time they produce my monthly bill. Every time American Express acknowledged that this was done incorrectly, but never the less continue including these charges in the next bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 15 U S code 1681b States : permissible purposes of consumer Hard Inquires have no permissible purpose being on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed by a fraudulent psychic named XXXX XXXX XXXX who charged my CashApp account XXXX dollars and XXXX in cash for a spiritual work that resulted in fraud, he also scammed other people and after I informed the CashApp company they promised to investigate and for the past week all they did was emailing back and forth with lies stating they would refund if I provide a police report I did provided the copy of the police report card even evidence of a complaint also filed with the attorney general, the fbi and ftc and after I provided all that evidence they closed my investigation stating they cant do nothing, this cashaap company is deceiving they allowed this type of fraud and do nothing to refund the money stolen I found they were punished by your company for not handling properly the customers complaints and thats exactly what they did in my fraud case that I reported to them, they just lie and email from several different agents pretending to help just to close the complaints and do nothing these people should be investigated and prohibited from doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-16 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: GA

Complaint narrative:
To Whom It May Concern : This letter is regarding account # XXXX, which you claim {$2100.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: ENOVA INTERNATIONAL, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total amount of each venmo direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. 
Immediately after the phone call on XX/XX/2023, I called XXXX Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. 
XXXX bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : XXXX. We found that the transaction ( XXXX ) was processed. 
XXXX. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 
XXXX. Contact us if you would like to request the information we used for our research. 

I contacted XXXX immediately to request a supervisor or manager to resolve this scam I was involved with.

Company response to consumer: Closed with explanation