vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in 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 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 2022-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Invoice to be paid for illegal late payments for deleted late payments.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I had two accounts with Genesis FS Card Services, an Indigo and a Milestone that were past due. On XX/XX/XXXX I paid both cards off in full. In XXXX I checked my credit report to see if it updated and it stated that both cards were charged off so I called the credit card company and they told me they would have to investigate. After two weeks I called back again and they told me they dont see anything in the notes and I would have to speak with the charge off department. I called the number they gave me and the person I spoke with said that they could not help me and gave me another number to call. After weeks of trying to speak with someone that knew what they were talking about I finally was able to speak to someone on XX/XX/XXXX. She told me that she sees the cards were both paid off in full and does not understand why it says charged off/sent to collections and was sending the back office a work order and it should be corrected within two weeks. As of today XX/XX/XXXX it is not. I called them back today and now I am being told that they can not check the status of the work case number that I was given and that the accounts are both listed as charge offs and in collections. I told them that the accounts were never in collections and never charged off because I paid the balances in full and have my bank statements to prove it and they said that they will have to investigate again. This makes absolutely no sense to me at all and I dont understand why I am getting the run around and why this information has not been corrected. They received my money months ago and now my credit report has negative info on it and is effecting my credit score tremendously. This needs to be corrected as soon as possible. This credit card company is a joke and noone understands anything and they do not seem to know what they are doing. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. 

I have disputed this issue with all credit credit bureau but nothing is solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  XXXX and, XXXX XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account number : XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act convergent account number : XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).

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 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX i applied to newrez for a refinance of my current mortage.i was told to submitt my rental agreement on my rental property .i was told to submitt my taxes for XXXX.an XXXX.which i did.XXXX  XXXX XXXX. told me if i wanted to lock in the interest rate of XXXX i needed to order an pay for an appriasal of XXXX dollars. which i did that as well. 2 weeks later XXXX XXXX called me .an said the proccesor .questioned why did i take a loss on my rental property .i explained .to XXXX XXXX that my tenants loss both their parents .he an his wife didnt work .because of covid.i myself had covid .i worked for XXXX XXXX, in XXXX XXXX.i myself was off work for XXXX.today XXXX XXXX told me that the processor denied my application for refinance because they didnt want to except my rental property. although i recive XXXX from my retirement XXXX from social security an XXXX from my rental. i was refinanceing to pay off bills .an help my grandmom. i believe newrez is not acting in good faith. in there lending practises.newrez has had my mortage for at lease XXXX i have never been late or missed a paymhis is not fair an i hope other people that my need help do not have to endore this type of treatmeant. thank you XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn
State: NJ

Complaint narrative:
I was recently sued or in the process of by Mullooly, Jeffrey, Rooney & Flynn LLP I am just learning of this alleged debt of {$6700.00} and the procedures this " XXXX XXXX XXXX  '' has already taken against me ( XX/XX/XXXX XXXX ) by way of this communication without my knowledge. Default judgements obtained without following law set in place to protect consumers are highly questionable. 

They have threaten with a 10 day noticed to reply back and or dispute which we all know its a 30 day not 10day notice. ( 30 days ) I have sent a certified mail to both new jersey XXXX XXXX XXXX XXXX. and " Mullooly, Jeffrey, Rooney, & FLynn LLP '' company. to objection this alleged dept.

I requested a FULL accounting of any outstanding debts with receipts to support such alleged debt. They responded with a package of one years worth of some receipts not even totally close to the actual amount they are requesting. what they sent was around ( {$1800.00} ) I tried calling the numbered they instructed to call only to find out this gentlemen is on vacation according to his voicemail. If this is a fully operational firm or company i could at least speak with someone else. i have made multiple calls with proof of call logs which still nothing.

I would like some type of audit with this company if possible, and or some type of help.

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had both of my PayPal accounts compromised. Someone added their bank account into my business account and received my money. I submitted a resolution to PayPal for them to fix it and refund me my money. I made a mistake and added a charge that was authorized but the other XXXX clearly was different from the authorized one. I have had the same bank account and business with them since XX/XX/2021 with no issues.They some how stated that my transactions were not unauthorized. When in fact I have NO bank account with XXXX bank ( the account that was Added unauthorized ). I have to pay my rent on the XXXX and now they are denying me money they owe me! I have no email from PayPal stating there was an added bank to my account or anything to warn me! I only received an email when I deleted the bank account! and now I have no money. Im literally crying as I write this. I have no idea what I am going to do I am a young single mother of a XXXX year old son and I only profit an average of XXXX dollars a month! Why wont they give me my money if the transactions aren't clearly mine they could have called lending bank to see if I had and account with them and would have seen I dont! They could have checked with my bank to see if the money was deposited into my account. I really have no idea what I am going to do! I thought I would get my money easily and this would be solved but its not and now im fearful of me and my babies livelihood. We are already homeless and this just takes the cake for me im struggling enough, Inflation is raising I have to spend {$300.00} on gas a month alone just to make a living. I have to scrape up money for food and diapers every single month. I honestly can not take this right now! Im tired desperate and struggling!! I looked on the XXXX and seen so many others are complaining about PayPal ignoring them and not receiving anything. I literally can not afford for that to be me. I will do anything for me and my son to be able to eat this month. I will fight tooth and nail behind the truth for the sake of my son! I worked so hard for that money for it to be gone with no remorse. Im so scared and hurt right now I dont know what to do! After this is resolved im going to never use them again me and my son are at risk and they just dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
letters was sent to the companies including police report stating that the following credit cards and credit lines was open by someone else and I am a victim of identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I bought out my lease from Hyundai on XX/XX/XXXX. Hyundais website stated I would receive the title within 20 days business days. After 25 days on XX/XX/XXXX, I called Hyundai to inquire about the title and was told it shipped out on XX/XX/XXXX. I called back on XX/XX/XXXX and was told it was returned to Hyundai as undeliverable on XX/XX/XXXX. When I asked what address it was sent to the Hyundai rep told me my street address but a different city and zip code. I have had the same address in their system for 10 years. I called back on XXXX and XX/XX/XXXX and was given the same wrong address answer with no change to correct the address or escalate my issue, each time they gave an additional 10 day window. I called on XX/XX/XXXX spoke to a supervisor who said he could see I had called but no action had been taken. He also said he was escalating to his manager and that it would take another 3 to 5 business days for that request to process before the title would be sent and then we would need to wait an additional 10 days for it to be delivered. It has now been 46 days or 32 business days since we purchased the vehicle and still the title has not been sent and it has been 8 days since it was apparently returned and Hyundai has made no effort to resend the title. This new 13 to 15 day process window is unacceptable.

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 2022-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies violated my rights XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.

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 2022-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}

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 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Problem on XX/XX/XXXX and XX/XX/XXXX, I requested multiple times for an extension on the deferral but all efforts by multiple people on different days were met with reluctance to dismissal. 

People I spoke to. XXXX, XXXX XXXX and others Ive received nothing in writing showing the request was being processed. 

Its almost like BofA representatives are trained not to process nor request extensions for deferrals to force homeowners into foreclosure. 

Horrible customer service. They just do whatever they want which is nothing.

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 2022-06-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Bank 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 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 2022-06-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: WI

Complaint narrative:
In accordance with the Fair Credit Repot 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 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2022-06-15 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. 

I have disputed this issue with all credit credit bureau but nothing is solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( TRANSUNION ). 

COUNTY OF XXXX XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/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