vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
As explained in prior CFPB complaint in re, unable to pay seller by the name of XXXX XXXX, error message states, " can not use card provided '' or similar thereof, I am still unable to make payment to this person... Matter remains unresolved and unable to pay seller.. Most recently, I spoke with an XXXX with Paypal whom attempted to imply the payment information used is associated with other Paypal accounts I had prior, several years ago... The payment methods attempted, including credit and debit accounts, were all opened within the past 1 to 2 years, which is after any prior Paypal accounts closed and or limited... Prior to this, I requested all accounts including those limited, closed which Paypal refused to do so, thus, reason in part for inability to pay XXXX XXXX. Currently, I am using email : XXXX for current Paypal account which is being used for attempted payments, I do not know emails associated with Prior Paypal accounts. XXXX claims these prior accounts are associated including name, payment info, and or address... I have moved since these accounts were opened, several years ago.., I will reiterate the current accounts were all opened within 1 to 2 years, well after any prior Paypal account closed and or limited.. Needless to say, XXXX 's response seems to be bogus and matter not addressed. Her response indicates to use another payment method in which case, seller does not accept other methods than Paypal. Having said that, Paypal needs to fix issue including closing any prior Paypal accounts which may be interfering with payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. XXXX Experian and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below 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 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rapid Home Lending Inc.
State: CA

Complaint narrative:
Rapid Mortgage repeatedly calls asking me if I want to refinance my mortgage. Each time I ask them to put me on the do not call list. They continue to call. I have even asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

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 2022-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and TransUnion and I didnt give them permission to do so.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, Equifax and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, Equifax and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Equifax and XXXX and I didnt give them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
To Whom It May Concern : After sending a letter to H & R Accounts via certified mail they responded with itemized statements from the hospital that clearly violated my HIPPA rights. The attorney I have spoken with advised me that a collection agency may have access to the amount owed and general medical billing codes regarding the hospital or physician 's office visit. They in no way shape or form should have received an itemized statement listing every diagnosis, procedure, medication, lab, or diagnostic test describing my visit. I was further advised that the legal procedure for this is for the collection agency to request that the hospital send the consumer the itemized statements but a collection agency legally should not have this information, to begin with, nonetheless mail the consumer a copy. This is a direct violation of my privacy and I am prepared to file a formal HIPAA violation complaint if remedied. I absolutely will not stand for my personal information being accessed by anyone other than my medical providers, especially without my permission or knowledge of them having it. All of the accounts placed with H & R Accounts are to be immediately removed from my credit profile and H & R Accounts shall cease all contact with me as well as any further attempts to collect these debts from me or I will immediately file a formal HIPAA complaint and will allow my attorney to start a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
The complaint is about XXXX XXXX ( XXXX ). I received collection letter from Overton, russell XXXX XXXX on XX/XX/XXXX for a medical bill ( XXXX ) from XXXX XXXX from XX/XX/XXXX I was surprised to see it because I had never received any bill from XXXX. I made multiple attempts to reach XXXX billing department and finally was able to reach them at XXXX. After inquiring when I was sent a bill and to what address, I was told I was sent bills in XX/XX/XXXX. And the address it was sent to was wrong. After checking if any attempts of calls was made I did not get any affirmative response even though she confirmed they had my right phone number. 
This is 2nd time XXXX has made same mistake with my bill and I wonder how many more customers are facing the same with them. Due to the last mistake of theirs I had to pay .25 % more on my mortgage even though I had paid in full immediately I had seen the notice. I was told the record will not be on my credit but it was there when I started applying for mortgages. Since it was long time back, I let it go. I can not this time. I know for the fact that this is going to haunt me for another 10 years and I want XXXX to make financial adjustments to the loses I am bearing because of these mistakes of theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
i wrote a check ( # XXXX ) to my doctors office for {$150.00} and mailed it on XX/XX/XXXX. The sealed envelope was picked up by my mail carrier but never made it to the doctors office. I noticed unusual withdrawal on XX/XX/XXXX, and the check was completely altered made payable to XXXX XXXX for {$1500.00} for back pay in XX/XX/XXXX. The numbers, letters and signature was completely wiped clean and altered by the criminal. The letters, numbers and signature did not match my handwriting, they were completely different. 

I notified the bank, PNC through the customer service line and they informed me it usually takes 2-3 weeks to resolve this matter. I received the affidavit of Altered Check 1 week later. I had it notarized as instructed by my branch in XXXX and they faxed it back to their offices that handle such matters. They also informed me there is no signature matching within their check processing systems. 

Not hearing anything, I started calling the bank on XX/XX/XXXX. I was able to reach XXXX XXXX who informed me he couldn't get a hold of me ( with one phone call ) and mailed a letter to my home which I haven't received yet. The purpose of his call was to inform me that he was my case manager. Two months had expired and I have not heard from anyone at PNC at this point. 

Having been with PNC for more than 6 years with over {$100000.00} in deposits between trust, checking and savings accounts, I was dismayed at the customer service to say the least. On XX/XX/XXXX, after a visit to a different branch, I spoke to XXXX XXXX at the XXXX location. That day, I wrote to the CEO, XXXX XXXX to escalate and try to get responses to the delay and after more than 2 months, I have not received a provisional refund. 

I was also surprised to learn from the Washington XXXX that criminals are stealing mail from the USPS and altering checks. As I receive almost daily updates from PNC regarding loans, credit cards, online scams, etc., I am extremely disappointed that I have not been alerted by PNC to purchase more secure tamper proof checks and / or ink that can't be altered. 

PNC has failed in their fiduciary duties to protect my funds in their bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, AZ XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-05-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I settled my account to be paid in full with XXXX  XXXX around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX  settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX  settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.

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 2022-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to block fraudulent information from my credit report via mail on XX/XX/22. These documents were sent overnight and received by the bureau on XX/XX/22 with tracking information to prove tracking # XXXX. I sent all required documentation including a FTC report, proof of identity and reason for the dispute request. When I spoke to a representative at Transunion they told me they did not receive my documentation even though they are suppose process, investigate and remove fraudulent accounts within 4 business days according to the FCRA. The two accounts listed on my credit report that do not belong to me are XXXX XXXX {$10000.00} and XXXX XXXX XXXX  {$4200.00}.

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 non-monetary relief