vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: TX

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. 

Account name : XXXX ( XXXX ) Account name : XXXX ( XXXX... ) Account name : XXXX ( XXXX... ) Account name : XXXX XXXX XXXX ( 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 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.

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 2023-03-10 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: Southwest Recovery Services, Inc.
State: TX

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.6 purpose.

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 2023-03-10 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: CA

Complaint narrative:
The Credit Bureaus Transunion, XXXX, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor XXXX XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over 7 years old which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: ACRANET INC
State: PA

Complaint narrative:
These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TX

Complaint narrative:
N accordance with the fair credit reporting act XXXX XXXX XXXX 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
My wife and I have an issue with Citizens Bank Mortgage. Our total payment went up by over {$100.00} due to increased escrow requirements. We have automatic payments set up from our bank. We did not update the automatic payment settings in time and a bill payment check was sent to Citizens Bank. We realized the shortage and called their service center to make a phone payment so we would not be short on the payment or delinquent due to a short payment. They refused to take a partial payment over the phone. They told us we needed to wait for the bank check to post as a short payment. Then we can call them to make another payment. But if it is short we get a fee.

It may be late as well if we don't get the timing right. I worked as a loan officer and for a financial institution processing company for years. I know that a partial payment can be taken and should be posted as directed by the payor if it is in excess of a payment. If less, then it can be posted as defined in the disclosure. I am fine with that process. However, to not even allow the partial payment so that the consumer risks late or insufficient payment fees is not a consumer friendly policy. This is the type of activity that caused the whole CARD act in the first place. 

All we wanted was to make a simple payment to avoid fees. Citizens evidently wants us to get every fee possible and confuse consumers. I just feel fortunate that I understand what really should occur and how to address the issue with the appropriate authorities. BTW the managing service rep agreed that the process was an issue and had other customers complain about Citizens not taking partial payments and applying them to the amount due. 

I asked what would happen if I sent 3 checks on different days. She said they would hold them in suspense until there was enough to make the full payment due. Or sometimes they return the checks. I find that last one completely unlikely but then again it would add fees and interest for the bank. 

Just need to know that consumers have some right to do the right thing without having to jump through hoops and then hope they might get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
So I Called the credit dept at The Wells Fargo that handles my credit card. XXXXI mentioned that i was making scheduled payments through my Wells Fargo Account to pay for my newly installation of my XXXX to my XXXX. I explained to them the situation that I wanted to pay them direct and I no longer wanted it to be taken out of my credit card. Because there was a dispute on the total amount. The representative said " No problem all we have to do is change the credit card number and they would no longer be able to charge it. So we can see that that credit card changed around the 3rd payment to a different card No. # and so they issued the new one. At the time I had most of my bills on automated payment because my XXXX mother and my XXXX yr old niece was XXXX. At the same time i had some chronic pain from an accident i was dealing with so this was a very stressful time. 5 or 6 months later i notice my NEW card was being charged so i was now paying double. I then contacted wells fargo about this and they gave me a large credit back. It was around {$1200.00}. I believe it happened it twice ( 2nd one was maybe {$800.00}. But its been so long im not positive. Then after that they said we are sorry but the XXXX  can reattatch the payment on the new card. I shortly after closed the card down And complained that the gave me the wrong information that i should have just closed my account down period. I wrote Wells Fargo 3 time. Mind you i was with them 18 years and they included me in the fraud that they were sued for by opening multiple accounts in my name in which i complained many time. Then I asked for them to go back and listen to the Wells Fargo Rep recorded phone conversation telling me that this would fix the problem. They only said that the Rep made a mistake and there was no recorded call. They refuse to repair my credit that they ruined. I since left wells Fargo years ago and went to XXXX. All im asking is that they reverse the damage it did for the 7 months from XXXX through XXXX of XXXXthat are on all my credit reports with all bureaus.

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 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal Team, I am writing this formal complaint to address my PayPal account. I received a Personal Payment of {$250.00} from XXXX XXXX, after which I did not use my PayPal account. However, when I accessed my account on XX/XX/XXXX, I noticed that my balance was reduced to {$0.00}. Upon further investigation of my account activity, I discovered that PayPal has adjusted my balance due to the existence of additional PayPal accounts under my information that have negative balances. 

Furthermore, I noticed that PayPal had requested me to provide some information on XX/XX/XXXX, and someone has also submitted incorrect information to PayPal on my behalf. I am concerned that this situation indicates the unauthorized creation of accounts using my sensitive information. I can confirm that my identity has been stolen and is now being used to create additional PayPal accounts. I am open to providing valid identity documents and I am willing to cooperate with PayPal team to win this case and resolve the issues. 

Therefore, I am kindly requesting the PayPal teams assistance in addressing this matter. I would like to report the unauthorized account creation using my sensitive information and request that my balance and account be restored to their normal standing. Please help me in resolving this issue and prevent any further misuse of my information. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and XXXX XXXX. The bank that has reported an unfair and unethical delinquency is XXXX XXXX. I opened an XXXX XXXX with XXXX XXXX in XX/XX/2022. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/2022- several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of XXXX XXXX that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at XXXX XXXX. Several months later I found out this was not true as my credit score decreased for this very reason. I have talked to several members at both XXXX XXXX and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where XXXX XXXX passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with Transunion twice who then circles back with XXXX XXXX who states that the delinquency is correct. XXXX XXXX states that XXXX marked the charges as " unauthorized '' and XXXX states that XXXX XXXX pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that XXXX XXXX tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from XXXX XXXX which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.

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 2023-03-10 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received my Sony/Comenity Bank XX/XX/XXXX statement, which showed a balance due of {$1100.00}. I always pay my balance due IN FULL and on XX/XX/XXXX I paid this balance online, from my primary checking account and THE PAYMENT WAS TRANSMITTED to Comenity Bank, as reflected on my XX/XX/XXXX bank statement. 
When I received my XX/XX/XXXX statement, it showed a previous balance due of {$1100.00}, which I knew to be incorrect, as the payment had been transmitted by my bank to Comenity bank, as was my custom and practice. 
After researching everything and confirming payment had been sent, in a timely manner, I contacted Comenity by phone and spoke with an Account Specialist named XXXX and was given a reference XXXX XXXX  She told me due to a system upgrade, payments had not posted properly. I assumed that they would follow up on my complaint, find my payment and resolve the issue. 
Unfortunately, that has not been the case. When I received my XX/XX/XXXX statement it continued to show the PAST DUE BALANCE, which was accruing interest and late penalties. 

I called customer service AGAIN and was told to provide them with the Trace ID number from my bank, for the payment transfer from my bank, which I did, that number is : XXXX Despite my documentation and repeated efforts, I continue to receive statements that show a balance forward, which includes the misappropriated payment, plus accrued interest and penalties. 

Frustrated that this wasnt getting corrected, on XX/XX/XXXX I sent a letter to the company detailing the issue, my unsuccessful efforts to correct the problem, provided DOCUMENTATION ( bank statement showing the payment, tracing documents showing the transfer to Comenity with internal tracking numbers. 
On XX/XX/XXXX Comenity responded, by mail, acknowledging receipt of my claim, assuring me that they were researching it. It said to allow them 90 days to complete their investigation, which Ive done. 
Ive waited patiently for this to be resolved, but every month I receive a statement reflecting the outstanding balance, with accrued interest. Ive contacted them repeatedly by phone, expressing my concerns about this being reported to the credit reporting agencies, negatively impacting my superb credit history and they have repeatedly assured me it isnt being reported. 
I just received my XX/XX/XXXX statement, which continues to show a previous balance due of {$1400.00}, which consists of my original charges/payment of {$1100.00} XXXX {$360.00} in interest and penalties. 

This has gone on for more than 8 months now. Ive given them PROOF OF PAYMENT, theyve had my money since XX/XX/XXXX and this needs to be resolved ASAP, so I can close this account and be done with this company!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
incorrect information on my credit report,

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 2023-03-10 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: SD

Complaint narrative:
I had an account open with XXXX XXXX XXXX. This account had been transferred to UAS connect and then got transferred to the Department of Education. On XX/XX/XXXX this account was paid in full. My fianc and I recently applied for a home loan and got rejected because this account was still listed on my credit report as open and unpaid. I called Equifax and asked them to remove it and told them it had been paid off. I was told to submit proof so I reached out and I acquired proof from both the Department of Education and XXXX XXXX XXXX  that this account was paid off. I was then told that this information had to be submitted by the original loan holder. I had my contact at XXXX XXXX XXXX  send a letter to them on XX/XX/XXXX saying this account was paid off, giving the date it was paid off and asking that this account get closed and removed. After a few weeks going by and no change, I called Equifax again about this, asking if they received the letter asking this get removed. The man I spoke to said I needed to dispute this account again ( for the 4th time since it was paid off ) and after disputing this, they said they would need to contact the original account holder for proof and closed my dispute and made my credit score go down XXXX points for no apparent reason, since they made no change to my credit report. XXXX XXXX says they have heard nothing about this account from Equifax. I don't know what to do next to get this removed from my account. I have many forms of proof that this account has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Got a promotion from Bank of America if I do apply before XX/XX/2022 saying you will get {$200.00} cash rewards bonus after making at least {$1000.00} in purchase in the first 90 days of the account opening, which I did exactly using there promo code XXXX also saying Unlimited cash back and no annual fee. after waiting few months I tried get the {$200.00} cash rewards and the website will not allow me to do that stating I did apply for a traveler rewards which I never did in the first place. after talking to customer services many time and saying the will fix the problem which they never did. Last time I contacted them and they were not helpful for solving this problem at all. I still have the promotion letter they sent. I fee their promotion is misleading instead sending me the card of the cash back which allow me to get my {$200.00} cash rewards they did send a card with traveler rewards which I never wanted.

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 2023-03-10 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: TX

Complaint narrative:
N accordance with the fair credit reporting act XXXX XXXX XXXX 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief