vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: NC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
As you will see by my account I have made several complaints against Nationstar Mortgage, XXXX Mr. Cooper. The first being in XXXX of XXXX, the last being XXXX, # XXXX. 

My complaints are valid as the CFPB had presented a lawsuit XX/XX/XXXX for illegal and unfair practices such as modification loans, escrow accounts, etc. My complaints addressed all these issues with what happened to me and is still going on as far as escrows being collected at XXXX for the year, when my taxes are XXXX. 

Each time I complained Nationstar came back with ridiculous responses, such as showing my taxes were XXXX after showing XXXX quarters of collection. Taxes are paid quarterly for XXXX collections. 

Once the response was received by CFPB I was not given a chance to provide my proof of documents ( I have over XXXX pages ) and the case was always closed. 

I understand there is a settlement and never received notice of restitution. What do you need from me to either be a part of this settlement or start a new complaint? I can mail all docs providing proof of unfair practices, escrows, my modification loan that went horribly wrong, forcing us to pay over XXXX per month than what we should have as an escrow shortage of XXXX per month was added to payment. The shortage was not valid. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out here is the tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts 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 non-monetary relief
Consumer complaint received 2022-05-03 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: EdFinancial Services
State: NH

Complaint narrative:
I had XXXX student loans initially from Edfinancial. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from Edfinancial. Edfinancial last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX  has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called Edfinancial numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to Edfinancial and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX  and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on Edfinancial. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, Edfinancial is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX  begins reporting on it - it has not. XXXX  has been reporting on this debt since XX/XX/XXXX, and the Edfinancial loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. Edfinancial has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NY

Complaint narrative:
My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen 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 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I registered myself few days back with PayPal and received my first payment today for the freelance consulting services provided by me to a XXXX based client. The moment the invoice was paid by the client, the amount went into hold and there was a temporary account limitation imposed which I tried to resolve by submitting the asked documents but it went into permanent limitation. My email registered with PayPal is XXXX. 
I have checked the user agreement and could not find anything that could make my account limited. I have complied with all the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
A cashiers check was sent to TJX Rewards Card in XX/XX/2021. It was cashed, funds removed from my account however never applied to my credit card balance. I called TJX with my bank ( UCCU ) on the line to resolve this issue 7 times. On 2 occasions they said they found the payment and credit my account only to withdrawal the funds at a later time. I paid the balance off with additional funds as I didn't want to be charged for interest. We also have 2 phone recordings where they said they found the funds. The account is closed yet I have a {$6700.00} balance which is accruing interest.

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 2022-05-03 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: NY

Complaint narrative:
My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NY

Complaint narrative:
My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen 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 explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with XXXX today from Transunion special services department. She has informed me that my account profile has attributes. as she explained there is a lawyer 's power of attorney that has been put on my Transunion credit profile, that being said it blocked me from accessing my Transunion credit account online. That is actually a clear violation of consumer rights mentioned in FCRA law. There is a reason that TransUnion continuously ignores all my complaints and letter to remove ca collection that is not mine and they continually claimed that is verified where the creditors are not even responding. The inquiries that I have which I complained about since 2021 and up to now there are unauthorize inquiries that have been made still this bureau continually promised that their special service agent will contact me after 72 hours or 3 business days. Today, XX/XX/XXXX XXXX from the special service department is my first time speaking with them since last year. I was waiting to be transferred today and XXXX picked up my call. TransUnion kept a collection and inquiries which is the fraudulent activities on my account. XXXX instructed me to send the copy of CFPB and FTC reports that i filed previously and with the copy of this report as well to TransUnion dispute department.

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 2022-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank offered a XXXX XXXX mileage promotion in which a customer opened a new account for various deposit amounts to receive mileage. 

I deposited {$50000.00} to qualify for the bonus of XXXX miles. 

Terms and conditions on offering circular stated deposit new - to - Citibank funds into your On deposit balance within 30 days and maintain the deposit balance for 60 consecutive calendar days and sadly, you will earn up to XXXX bonus miles I called on a recorded line XX/XX/2021 to Citibank after the XXXX day, as clearly stated on the disclosure and requested a withdrawal of my funds, but to maintain the account to remain open to insure that I would receive the Bonus. 
I was assured by the Citibank agent that I would receive the bonus and would keep the bank open keeping a {$100.00} balance to insure I would receive the bonus. 
Later, I received a check for the full amount of my account balance which closed my account. 

I waited months for my XXXX mile bonus which never appeared on my XXXX XXXX account and began calling Citibank. 
I throughly explained that the promotion offer specifically said Balance was to be maintained on 60 consecutive days and not to remain open to receive the mileage bonus.

Numerous calls, resulting in various questions and responses to the wording of the promotion terms and conditions.

I filed to complaints with compliance and marketing department and received negative results to my complaint, basically saying account needed to remain open after the 60 day period. Even when I advised them that I had instructed the account representative to in fact keep the account open with {$100.00} to be safe.

My complaint is basically truth in savings agreement and false advertising in their marketing brochure, which I have in my files.

I am mostly upset with this frustration on a very minimal bonus for a new customer and the lack of clarity in the truth in advertising that they would not observe the customer is always right rule as i will continue my quest in filing this complaint with you. 

Thank you, 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: SC

Complaint narrative:
In accordance with the fair credit act Reporting act XXXX  : Self Financial, Inc XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Account ( s ) # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end Consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation