vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from Comenity BankXXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank/XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user and I'm not financially responsible for that 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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my checking account consumer report : Account Number : XXXX XXXX XXXX Bank Of America Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PAID IN FULL XX/XX/XXXX This Chase account balance has been PAID on XX/XX/XXXX XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX Tx Identity Theft XX/XX/XXXX I have NO knowledge of this Chase account. Reporting it as Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Theres XXXX XXXX XXXX XXXX XXXX accounts on my report. There should only be XXXX account opened. I have never been able to use my XXXX XXXX account due to a restriction placed by XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Heres the second XXXX XXXX account thats showing on my report. 

XXXX XXXX XXXX  XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of 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 explanation
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
World finance has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal account was limited/ suspended for quite some time now. I received an email from PayPal stating my funds are eligible for withdrawal after 180 days from the limitation date. Over 180 days have lapsed however the system is denying me from updating my bank to withdraw my funds. I have contacted support however I am only getting a automated message oppose to getting in contact with someone who can help me. Here 's the following error message I get when attempting to add my XXXXXXXX XXXX : " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Care Credit/ Synchrony is in violation of the GLBA for non-disclosure. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information. Care Credit/Synchrony is infringing on my right to privacy pursuant to FCRA.

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

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 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
We were renting an apartment in XXXX, TN and endured a series of harassment, discrimination, abuse and deprived of simple basic necessities. I notified XXXX XXXX XX/XX/2022 I would be filing a complaint with HUD. On XX/XX/2022, I filed with HUD. HUD transferred the case to TN Human Rights Commission. I did my intake interview today and after discussing the circumstances of the case, she is directed it to an Investigator for Immediate Investigation. I spoke to lawyers who advised me since the landlord was in violation of TN state law for harassing me, we could leave the apartment without reprisal. I notified XXXX of this. 

On XX/XX/2022, we received notice from ProCollect that we owe those apartments {$13000.00}. Well, that is a first strike violation added to the case for violating Section 818. Now, ProCollect is going to be brought into the case and sued by us for violating our Rights under Section 818 since they should have known, they had been told that the action to file a claim was made and recorded and also responded by their client. This attempt is a violation of both State and Federal Laws under HUD Section 818. 

TN Human Rights Commission has this case. It is being assigned an investigator I was told today. 

Tennessee Laws on Retaliation Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, the landlord must not terminate, refuse to renew a lease, or fine a tenant for complaining to the landlord regarding the deposit, complaining to a government agency, or exercising a legal right. Tennessee Laws on Retaliation Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, the landlord must not terminate, refuse to renew a lease, or fine a tenant for complaining to the landlord regarding the deposit, complaining to a government agency, or exercising a legal right. 

HUD sent the complaint for investigation. With our evidence we have, we will win this case 100 %. 

Tennessee Human Rights Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN. 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 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Link Management, LLC
State: KY

Complaint narrative:
i received a call for my husband company states capital link management. said that I have a past due amount which was not covered by my deductible for my husband in 2017 and it hit collection in XXXX of XXXX they wanted XXXX said that in 30 days it will hit my credit report. i said i have never received an invoice, she said we sent it to you. i said well please send me a statement. they said they would email it to me. they emailed it said nothing more than original creditor which i do not know, reference number and creditor acct number. i called and said i needed a statement of what the payment was for ie who was it from and what was the date of service. they said we sent it to you. I said this is from 2017 i hope you understand that I am not going to pay it without researching. they said we are a collection agency and we don't have that information you can pay now or it will go onto your credit and you will owe XXXX. I said, maam i will pay it, I just want to research it. do i call you back, she said i was rude and if i didn't pay now, they would just send it to be on our credit report. How am i supposed to know if this is real or not? when i called the company, they just said hello... i said who is this and she said capital management... she knew my social number, address my husbands social... email was " XXXX XXXX '' XXXX of who sent my statement to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 non-monetary relief
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On my most recent TransUnion credit report, dated XX/XX/XXXX, XXXX creditors are showing late payments in consecutive months, that are beyond the statute of limitations. 
1. XXXX XXXX XXXX XXXX  is reporting my account as 120 days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  and someone is supposed to call me back. 

2. XXXX XXXX  Mortgage is reporting my account as XXXX days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX  Mortgage and someone is supposed to call me back, but from past dealings with XXXX, I do not expect a positive outcome. 

The bigger problem beyond just XXXX creditor is at TransUnion itself. I called TransUnion today and and was unable to resolve the issue, because a supervisor at TransUnion told me that she could not remove the late payments and it is not TransUnion 's policy to remove all late payments that are in consecutive months that occurred without a break in the late payment status, from the first month that a payment was reported. TransUnion is the only credit reporting bureau that has this policy : late payments in consecutive months that are beyond 7 years of the first late payment are not reported on XXXX and XXXX credit reports. 

Of the XXXX major credit reporting bureaus, TransUnion is the worst, primarily because it keeps late payments, etc., on the credit reports beyond the statute of limitations. The problems that I have with TransUnion are not applicable to XXXX and 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 2022-11-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user to that account and Iam not financially responsible.

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 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: MN

Complaint narrative:
Neither Choice Recovery nor their new name XXXX XXXX XXXX has a license to collect debts in the state of Minnesota. Since they do not have a license to collect a debt, and I live in Minnesota, their collection is illegal. They are aware that I currently live in Minnesota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 XXXXXX/XX/2021

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has committed a violation of the Section 5 of the FTC act and has committed unfair and Deceptive violations. I called on XX/XX/22 and I talked to a very nice lady and filed a report for some charges that were unauthorized and fraudulent. I was told by the lady on a recorded line that I would receive my credit within 24-72 hours. I called back on XX/XX/22 to check up on this. I was told that I would not receive any credit until XX/XX/XXXX. Therefore I was lied to and the bank has engaged in deceptive acts which were unfair in the treatment they used for me. XXXX XXXX ID : XXXX would not review the phone call and when I said that it was deceptive he refused to file a report about being deceptive with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
My mortgage is supposed to be on a bi-weekly payment program. My payments should be credited to my monthly principal balance on a bi-weekly basis as payments are received. Cardinal Fianacial is holding my bi-weekly payments in suspense and crediting my account on a monthly basis. This is NOT a bi-weekly payment program. They are charging me interest on my old principal balance and adjusting my principal balance on a monthly basis instead of a bi-weekly basis. This is theft! I have had bi-weekly mortgages with other financial institutions, and they all credit my principal balance on a bi- weekly basis and charged me interest on my adjusted balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have multiple account with Synchrony Bank. When I make a payment they do not post the payment in a timely manner. They wait XXXX business days. What they are doing is playing the float by submitting the ACH payment to my bank and waiting to post my payment until the payment is already at the bank. Just as when you walk into make a deposit in the bank and they post your deposit that day - Synchrony should be posting all payments in a timely manner, not delaying them as they are doing. 

Now if they want to delay the availability of credit that is within their rights, but they should be posting all payments in a timely and proper manner- not waiting until they have collected the funds from my bank. 

This is abusive and is hurting many customers.

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