vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THIS WILL BE MY XXXX ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING XXXX INFORMATION TO MY CONSUMER PROFILE.

I HAVE NEVER HAD AN ACCOUNT WITH THIS XXXX. I REQUESTED VERIFICATION AND THIS ACCOUNT IS XXXX.

ALSO AFTER FURTHER INVESTIGATION XXXX XXXX DOES NOT HAVE THE PROPER XXXX TO ATTEMPT TO XXXX ON ANY XXXX  IN THE XXXX XXXX XXXX I HAVE THE RIGHT TO XXXX  AND HAVE NOT GIVEN ANY XXXX XXXX FOR THIS INFORMATION TO BE REPORTED ON MY XXXX PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO XXXX XXXX IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY XXXX PROFILE IS AFFECTING MY ABILITY TO OBTAIN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regarding account : XXXX XXXX XXXX XXXX XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regarding account : XXXX XXXX XXXX XXXX XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.

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 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 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. PLEASE UPDATE ACCOUNT TO XXXX  IMMEDIATELY THANK YOU AND ADVANCE IF YOU CHOOSE TO IGNORE THE LAW I WILL SUE FOR ILLEGAL DAMAGES YOU HAVE CAUSE ME AND MY FAMILY THANK YOU.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In Accordance with Fair Reporting act XXXX Account # 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 instruction

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX with XXXX XXXX act XXXX Account # 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am submitting this Complaint To CFPB. I was tod that if I had a complaint submit it to CFPB. What do you do? From my perspective, you always defending XXXX XXXX XXXX and Carrington Mtge. They close the Complaint by writing Duplicate. The Complaint is NEVER answered. I am requesting CFPB do an INVESTIGATION of Our Mortgage Loan. 
I am asking CFPB to have Carrington Mortgage and XXXX XXXX XXXX to CORRECT our Mortgage Loan and take our Home out of Forclourse and Cancel the Short Sale for XX/XX/scrub>XXXX XXXX XXXX Our home has 4 wrongful Forclourse. We have never miss a payment. The Bank is committing the Act of PREDATORY Lending and I want a INVESTIGATION and a AUDIT of our LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My account was closed without notice. I never received any communication from the company. I have app installed on my phone. I have never been late on payments. They never called me. They claim that they closed my card and I lost all the miles that i accrued without any explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: IL

Complaint narrative:
U.S. BANK has placed a charge-off on an old closed personal account that had a {$1000.00} line of overdraft protection on it, I closed the account and opened a business account the teller of the account never told me there was an overdraft of {$260.00} left on that old account that had to be paid. when I found out about the aledge debt I called U.S. BANK to dispute it also I disputed it with the three Credit Agencies but it came back as verified. I'm asking the CFPB to help me resolve this error on my credit report it is very damaging to my financial progress. According to the laws, a Financial Institution is not to share private information with a third party so I'm requesting to Opt-Out of this reporting on my Credit Report Per the FCRA as a Federally Protected Consumer I am now opting out of any and all Authorization I the Consumer may have given you Written Unwritten Verbal and Nonverbal Per 15 USC 6802 , also according to 15 U.S.C. should not be any damages on my Credit Report it is a defamation of my Character.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There are multiple lines of credit open through XXXX XXXX XXXX XXXX that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through Chase bank that is open, a XXXX XXXX store credit card ( possibly the one through Chase ), and 2 other names besides mine on my credit report. None of these things are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
There are multiple lines of credit open through XXXX XXXX XXXX XXXX that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through XXXX bank that is open, a JC Penny store credit card ( possibly the one through XXXX ), and 2 other names besides mine on my credit report. None of these things are mine.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase randomly closed my account after my payroll check was deposited along with me sending a friend {$50.00} for a birthday event we are attending this weekend. I called the bank because the notification sent to me stated that there was some unusual activity and for me to contact the bank to unlock my account. When I called instead of unlocking my account they advised me that my account was closed and they no longer want to do business with me. I did not have anything unusual on my account besides my payroll check from a new job. Now chase is telling me that they did not see my direct deposit after sitting on the phone, they admitted the deposit was there. I went to the branch and was advised they couldnt release. The fraud operator on the phone at the time told me it was up to the bank to release my funds. However, the branch said that was not true. At this point I really want my funds and Im happy to end the banking relationship because this bank is awful to just close my account for no reason at all. Now I have to go through the trouble of finding a new bank and changing my direct deposit. Please help me to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
A payment was deducted on XX/XX/year> out of my bank account in the amount of {$210.00}. At the time I did not have the money in my account. Which later in the month XX/XX/year> I put money in the account and made a debit card payment in the amount of {$210.00} that was deducted out of my account on XX/XX/year>. After that I refinanced for another loan on XX/XX/year> with payments due on the XXXX of every month in the amount of {$410.00}. Which was deducted from my bank account on XX/XX/XXXX. XX/XX/year> my bank account was debited in the amount of {$210.00} again after the payment already on XX/XX/year> off my debit card. I called and spoke with someone at one main financial they said they can only see my new account not my old one so I disputed the transaction and was reimbursed {$210.00} on XX/XX/year>. After that I received phone calls telling me that I didnt make a XXXX payment of {$210.00} and that I needed to make a payment. Since I didnt do so they were harassing me at a point but have stopped due to prepaid legal. They are saying I still owe them {$210.00} and charging me late fees every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. 
I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION BULLCITY FINANCIAL DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am XXXX XXXX and I am contacting you to request the removal of specific information from my file. The details that need to be deleted are outlined in the attached report. I have been a victim of identity theft, and I did not authorize these transactions. It is crucial that these entries are removed to rectify my credit report. I have already reported the identity theft to the Federal Trade Commission and have included copies of the Identity Theft Affidavit. I kindly request the prompt deletion of these items.

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 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I transfered/paid XXXX XXXX using his phone number as his paypal ID {$60.00}. He and I were talking on his phone that I called using that number. When I put in that number to paypal to transfer that money it went through. XXXX said he did not get it. As it turns out someone has taken over his acct at paypal. I reported this to paypal and they said they said the only way I could stop the payment is to stop it at the bank. When I did so, 3 days later Paypal told me that they paid the amount and I owed them {$60.00}. They told me if i did not pay them the {$60.00} that my acct was negative they would send the amount to a collector. I asked to report the issue to their fraud department as that is the only way to show this is a fraud case. I reported the fraud 2 times and each time I was told paypal would do something and get back to me. The 3rd time I was forced to use a chat mode to report the fraud and I was told again that they would get bck to me. I have still not heard from Paypal but now IM told I can only speak with their collection agency. When I call them I get an answering machine that eventually tells me they are closed and to call back. I am really starting to think that Paypal should no longer be allowed to do business ad a bank or credit card company in the United States as they are strong arming their customers like a mafia and not actually speaking with their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation
State: NM

Complaint narrative:
I am filing a complaint against Albert Corporation concerning unauthorized charges related to their Genius subscription service. Despite not authorizing or utilizing this service, I noticed recurring monthly charges of {$14.00} starting from XX/XX/XXXX, until XX/XX/XXXX, totaling {$250.00}. 

Upon discovering these charges, I promptly contacted Albert Corporation to request a full refund for the unauthorized transactions. Initially, Albert Corporation responded by issuing a partial refund of {$89.00} and canceled the subscription. This action was taken as a resolution to the complaint I raised regarding the unauthorized subscription that I explicitly indicated, through the account settings, I did not wish to continue. Despite this clear communication and subsequent cancellation, the partial refund does not cover the full extent of charges incurred over the specified period. 

The dispute centers on the fact that these charges were made without my consent, and the service was neither authorized nor used by me at any point. Albert Corporation 's offer to refund only a fraction of the total amount is insufficient and does not fully address the unauthorized financial impact on my account. 

I am seeking intervention to secure a full refund of {$250.00}, which represents the entirety of the unauthorized charges imposed by Albert Corporation. The resolution offered by the company thus far fails to adequately rectify the situation or align with the principles of fair and transparent billing practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Hello I Just Looked At My Credit Report And Seen XXXX XXXX XXXX Is Breaking Federal Law With Reporting Late Payments To Credit Reporting Agencies Which Is A Violation. Because Under 15 U.S. Code 1605 ( A ) If A Finance Charge Was Included Which Is The Sum Of All Payments There Should Be No Late Payments On This Account.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have CareCredit card that I paid off XX/XX/2024, and I did not receive any communication from Synchrony Bank until last week, saying I still owe a balance of over {$3000.00}. I made an electronic payment of {$3300.00} XXXX and it posted to my bank account XXXX. I called Synchrony Bank and they asked me if I " received a check in the mail '' for the amount I paid. I never got any communication from them since XXXX, and I got 2 text messages this week, showing I have an outstanding balance of {$3000.00}, as well as a missed payment. However, I can't access my account, as it was closed. They also told me I never signed up with their online service, which I know is wrong. I always use online services to manage my credit accounts. They claim itis because of a refund check they sent me, but I either never got it or never cashed it. I am on the phone now with them and they are giving me the runaround, and not crediting my account properly. I know they have had issues in the past with Consumers, and I hope you can look into this.

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 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
The transaction happened on XXXX for the amount of {$200.00} for a booth rental. The name of the recipient is XXXX XXXX with an email address ( XXXX ). My friend had gotten information from a fellow merchant that a woman she knew was a promoter of a Pop-Up Canopy vending show the weekend of XXXX and XXXX. I contacted her via email and she told me that she would sell me a booth site for {$200.00} and to send amount through Paypal. She requested that I send through family/relative process. I didn't know that if it is sent through that process. Come to find out there was no refund. This was my first time working with Paypal and now I think I will not be working with them anymore. So, I bought and paid for a booth site but did not receive the rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
In XX/XX/year> I emailed a request to obtain escrow summary information to my mortgage servicing company : Select Portfolio Servicing, Inc ( SPS ). They were raising the amount of escrow they were collecting by {$56.00} per month. In my letter, I pointed out that my property taxes in IL have gone down ( lower ) every year for the last 4 years and yet SPS has raised the amount collected every year anyway. I asked to have at a minimum my payment kept the same. 

In XX/XX/year> I received a letter that contained a lot of false data and misinformation. In this letter SPS claimed to have paid much higher amounts in property taxes for the last 2 years than I actually owed or XXXX XXXX billed, thus supposedly generating a shortage. In XX/XX/year>, I called the service department again contesting the data claiming overpayment. 

On XX/XX/year>, I went to the XXXX XXXX XXXXXXXX XXXX and obtained paperwork showing that the higher amounts claimed were never paid and that no refunds have been issued due to overpayment. 

I believe that since I am XXXX and a XXXX XXXX that this company is attempting to employ shady business practices to make this loan payment unaffordable to me. They are wrongly overcollecting on the proprerty taxes and openly lying to me on the payment amounts made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation