vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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:
Sent disputes XX/XX/2022 to XXXX, XXXX, & TransUnion to remove information under Public Records regarding bankruptcy. XXXX XXXX XXXX have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. TransUnion stated the information as verified ( XX/XX/2022 ).

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 2022-08-06 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: TX

Complaint narrative:
Sent disputes XX/XX/2022 to XXXX, Experian, & XXXX to remove information under Public Records regarding bankruptcy. XXXX & Experian have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. XXXX stated the information as verified ( XX/XX/2022 ).

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 2022-08-06 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I was scammed by a Fraudulent company named XXXX, their representative ( a woman online ) reached out to me and advised me to invest in them. 

I transferred my Funds via my Coinbase account to this Scam Company, i was not being cautious since I had thought that the website was legitimate, since nothing raised a flag that deemed it suspicious. 

I had initially invested a lot of money and after that they accused me of Money Laundering since I had placed so many orders. The scammers tried to make me pay a penalty of 9 % XXXX USD, but I had realized it was a scam and did not fall for it. I lost XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The XX/XX/XXXX, Truist/SunTrust Bank ( STB ) denial letter has now added a new requirement : file a report with law enforcement. The XXXX previous STB letters ( XX/XX/XXXX and XX/XX/XXXX ) only stated to call them for any documents that were used in decisioning your claimwhich we did on XXXX previous occasions. On XXXX XX/XX/XXXX, XXXX we file an XXXX Police Department Identity Theft report ( attached ). So we are again requesting the any documentation that was stated in their letters to be provided to us. 

References : STB XXXX XXXX, and CFPB Case XXXX, and XXXX Police Department report 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 2022-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
We had a mortgage takeover by a LLC that is responsible for paying a mortgage for a home they own and we do not pay for anymore. They fell behind on payments multiple times from XXXX to XXXX. So we had gotten paperwork for a foreclosure then the company finally decided to catch up on the payments but the damage to our credit was done by them not us and we want that corrected as it was not a direct result of our doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I started a Venmo account about XXXX years ago. Over the years I had made a total of five to six transactions on the platform to friends and family. Last year I tried to send money to a friend and a notification popped up that my account was frozen. At the time I didnt think much of it because I figured it had to be a simple fix. At first I came to the conclusion that it must have been related to the new debit card I got and that I had forgot to change it in the platform. When I tired to unfreeze my account using their online portal I learned it had little to do with my card and they transferred me to another department as my account being frozen required a different team. That team explained to me that I have violated their user agreement and that my account has been permanently deactivated. The company would not share with me any reason why due to what they state as a matter of security. Now I am left with a deactivated account for a problem I am unaware of and that I can not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased furniture and home items from XXXX in 2020 using promotional Synchrony Bank credit card that was XXXX deferred interest. I was advised to pay a specific amount each month to avoid any interest charge and be sure it was paid off before promotion ended. I called Synchrony to adjust the payment since there was a second charge on the credit card and set up auto pay to ensure that there would not be any late payments. I checked my account on-line because I was not receiving statements in the mail and found that the balance seemed to be increasing. I called Synchrony and they advised me that the second purchase for over {$1300.00} was charged more than {$700.00} in interest as it was on an XXXX promotion, not XXXX and had recently ended. I tried to work it out with Synchrony, made several calls but was not getting anywhere, so I contacted XXXX. The XXXX store representative just sent some invoices by email, one that was not accurate and did not offer any other assistance so I called Synchrony again. They were not willing to waive the interest charge because, we were now past the grace period. I informed them that I called several times within the time frame to dispute the unexpected charge. I believe that they mislead me, did not advise me of 2 different promotion due dates. They did not call or notify me that the promotion on the second purchase that was nearing the end of promotion and that I could pay off the balance within that grace period. I did not receive statements in the mail as requested because I rarely use the internet. I would have made larger payments or simply paid it off with no problem. The only reason why I financed the items was because of the XXXX deferred interest. I have paid off goods and services in this way before without any problem with other credit cards using automatic payments. I stopped the auto pay and will go to court if they are not willing to work with 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 monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely 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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX Citibank XXXX CITI simplicity card charge my card With something I didnt. I call them to fix this problem before this charge are paying to different companies because they were pending they didnt do nothing, they paid all. And know after a change for another new card they still charge on the new card on XX/XX/XXXX for XXXX this charge was made for t mobile, because they said that is recurring payment that payment is pending know I can not make a dispute because they said that that amount have to be paid first to start a dispute. The charges are : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$96.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( pending ). 
Please can you help me to solve this problem. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I load from my XXXX XXXX or XXXX XXXX because my card is routed to my phone and XXXX XXXX and XXXX XXXX accout As I've been telling chime supervisor manager and everyone else I did not have possession my card I didn't need possession of my card possession of my card I never need physical assets of my card I never need my card in my hand and a pen was not used it was an online transaction that did not lead a pin code so by me having my pen has nothing to do with it when there was no use for the XXXX to be even used so therefore I did not know that my card was missing until I received a text message stating that my car was declined for {$98.00} when I did not use the card for XXXX and was not in the possession of the card for the use of it for XXXX something dollars at XXXX that what made me look and see if my car was in my wallet and therefore my card was not in my wallet so I did not never have possession of the card and the pen was not needed if the pen was needed they would have got what they wanted from XXXX Also I I added the money on the card for my essentials throughout the week like my XXXX and other things that I used to transfer money to my sister I never used it lately for no XXXX if you look into the history of it you can tell that it was I misuse on someone else 's part I always load money on that card I always put money on that card and take card off for my XXXX for transportation to work and other uses so don't tell me that it was loaded for that particular purpose SO AS YOU CAN SEE needed my time card in my hand because it's already linked to my accounts that which are already on my phone apps so there is no way that I knew that my card was gone until I received a text message and called chime and look it's not the only card that's missing I always made my anything through XXXX XXXX or XXXX I never use my time card for big purchases that is not what I use that card for if so I will use my time credit card to build my credit And as you can see I only my big purchases through my wisely card and cash out because those are the only cars I really keep money on for other stuff my time card is for my XXXX mainly for my ride to work and this is my evidence This every thing I should have to fight so hard for my money when I gave all the poof they ask XXXX 


So someone used my card for online purchases of the amount of {$230.00} on XXXX XXXX on XX/XX/2022 I have called XXXX and they also agreed and flag the purchase as fraud I have sent chime invoice, police report, my GPS location, screen shots, and handwritten letters XXXX disputes and chime continue to denied my evidence of this unauthorized transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. READ THE COMPLAINT IN FULL. 

This has been ongoing for months now. Since XX/XX/XXXX to be exact. A person made payments to me for items that Venmo deemed high risk so they froze my account. I was told I had to wait until on or before XX/XX/XXXX and that I would receive an email stating my funds were available for withdraw. On XX/XX/XXXX, I finally received that email after funds were being held since XX/XX/XXXX. So initiated these transfers to my linked bank account on file. Later that evening of the XXXX of XXXX, right before these funds were about to be sent to me, I received an email from an account specialist saying that the payments were being disputed and to provide the information regarding these transactions. These payments had already been disputed and deemed in my favor based on the information provided to them about these transactions back in XXXX. So when I receive this email it confused me considering the night before I received an email that I was told I would receive once my payments were able to be withdrawn. Instead my account got REFROZE. And Venmo requesting the same exact info I have already provided to them. I spoke with a supervisor on XX/XX/XXXX, and she agreed that this isnt right and escalated my case. Said I could contact her whenever to see what the deal was. Well I hadnt heard anything and so I reached out again to speak to a supervisor on XX/XX/XXXX. Was told my case was escalated again. I havent gotten any response from a specialist Ive reached out to them on multiple occasions. I was told turnaround time was 7 days and to allow up to XXXX weeks. Well we have reached that point now and my account is still frozen with my funds in it. Ive been lied to. I called yesterday to talk to someone again and was left on the hold line for FOUR hours while I was told from a rep they were gon na get a supervisor. No just sat on the phone for XXXX hours for nothing. At this point, the business practice being done here is unethical, its atrocious to say the least, and I want my funds like the email I was told to be waiting for said I could have. Im not sure whats going on at this place but I expect a resolution very quickly as I have every right to feel how I feel because Ive been lied to, ignored, and basically makes me feel like my {$3200.00} is a big joke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: MI

Complaint narrative:
Grain Technology has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points. They have reported my account is delinquent as well as prior not reporting payments Since XX/XX/2022 I have been asking and demanding grain to fix the matter with no resolution in sight. They made me update my payment method on file to make payments and have still been charging me late fees and interest on an account they had yet fixed. When I updated my bank account they connected to the wrong bank account, Ive reached out and they still haven't fixed this matter. And even with the wrong bank account attached and being signed up for automatic payments they have not automatically taken my payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have proof. I plan to sue them if this isnt fixed. This is a fraudulent company, you can't even call it has taken months for them to respond to my emails and get this, the month of XXXX they have debit my checking account 2 different times. How are you double automatic charging me and still reporting me late. No one tries to help. They have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS and me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying. If you look at the screenshots I can't make an extra payment if I wanted to. How am I late with automatic payments set up that you are not initiating or allowing me to pay? This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed with the XXXX and CFPB under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: NY

Complaint narrative:
On agust XXXX The background check company Checkr Is sharing information about a XXXX XXXX XXXX conviction. 
The conviction is from XX/XX/XXXX Arrest date XX/XX/XXXX According to New York state fcra rule background check companies have a 7 year limited scope to screen potential job candidates. 

This has never been a problem with other background check companies, checkr is the only one causing adverse actions against 11 years later.

Company response to consumer: Closed with explanation