vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I received a letter from convergent outsourcing solutions about a bill I owed to dish network. This was not on my credit report either. I called and settled the debt for half of what was owed since they couldn't verify why an extra XXXX dollars was added to the debt with them before the deadline they provided. I had noticed my account showed I hadn't paid so I called back and they said they had been having problems processing payments. Was instructed to go to XXXX XXXX  website while on phone and pay there which I did and I specifically made clear that this wouldn't go on report since I have paid. It is now on my credit report currently and they company keeps calling me about this debt and once I'm on the phone they realize I had settled and say they will let a supervisor know and everything is taken care of. I'm getting harassed by phone calls for a debt that is paid and they are fraudulently report this on my credit and nobody I've talked to there seems to care. They just keep saying they let their supervisor know and nothing is getting done.

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 2023-04-17 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: MI

Complaint narrative:
Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: MI

Complaint narrative:
Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a loan that was paid off with Truist Bank the first week of the XXXX XXXX. 
There was an overage of $ XXXX that was not automatically sent to me. I have been calling for weeks on end before finally someone told me it was never initiated. They manually released my overage check and I am not being told on XX/XX/XXXX  it was rejected and they are still working on it. 

In addition, I had GAP coverage cancelled and a check of {$890.00} sent to Truist for it to be refunded to me. 
I can not get an answer on when I will get this back. The check was sent on XX/XX/XXXX  to them for the cancellation and they cashed the check on XX/XX/XXXX 
I keep being told they are calling the GAP overage department and they are not picking up, and to expect a response in 3 days. I am told this over-and-over and I am getting nothing. 
Two people have informed me that their GAP department is awful and unorganized and they have multiple people waiting over a year to receive their refund. 
I have bought a fair share of cars and opened and closed a good amount of auto loans and it has never taken a cancellation, or an overage check, this long to be sent.

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 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My current loan servicing company, PHH, is refusing to provide me with complete loan documentation that should be on file. PHH took over the mortgage servicing from Ocwen Mortgage services. The complete files should have been forwarded to PHH. I am requesting modification documents from the year XXXX showing that my XX/XX/20 loan was modified into 1 mortgage while with OCWEN. 
PHH is telling me to forward them documentation of the modification so they can research the issue. If I had this documentation, I would not be requesting it from MY mortgage servicing company. They are basically asking me to do their work. This is pertinent information that should be kept on file, regardless of the time frame it has been and that it the transaction was completed while with the previous servicing company. 
This is causing me a hardship as I am attempting to complete repairs on my home ( roof and HVAC ). These repairs are essential so that I can obtain reasonable home owners insurance. The agency that is assisting me with financing is requesting documentation that I do not have a 2nd mortgage any longer with OCWEN. 
I am kindly requesting your assistance in obtaining the proper documentation. 

Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Old Ocwen Loan number from 2nd mortgage : XXXX Current Mortgage acct # : XXXX PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ( Phone : XXXX Fax : 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 2023-04-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IL

Complaint narrative:
Experian Report # XXXX Incorrect states that the account is late causing harm to borrowing power and interest rates. 

Account for XXXX XXXX  " XXXX XXXX '' is reporting that XXXX and XXXX are 60 days late while the account is in dispute.

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 2023-04-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989

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 2023-04-17 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: NJ

Complaint narrative:
Someone used my identity to open a auto loan account with XXXX XXXX, I have a police report on file I would also like to dispute XXXX XXXX account reporting on my credit report due to identity theft

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 2023-04-17 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: MA

Complaint narrative:
A Bank of America checking account was opened in my name fraudulently

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is a follow-up to Complaint XXXX. 

On XX/XX/2023 Wells Fargo climed that a check would be sent to me within XXXX days. It is now XX/XX/2023. WELL BEYOND the reasonable amount of time for them to send the check. The check has NOT been received. 

It seems that Wells Fargo is just making false promises in hope that a customer they have stole funds from will just go away. That will not happen. 

I will keep opening complaints with the CFPB, the XXXX the FTC, and the attorney generals office until this is resolved. I am not going to allow some large corporation try take advantage of a because they think they can. You're large corporation money doesn't scare me and I will continue to do this until it is resolved and the company returns the funds they have stole from me. 

I am not contacting another company via a phone number. That is not my responsibility. However, I will take the information that Wells Fargo provided and file all those appropriate claims and complaints with XXXX XXXX XXXX so we can ensure this is properly documented and everyone can be aware of these unethical business practices by these large corporations. 

I'll also start email people that work at the companies as I know XXXX give a ton of email address out there for me to contact. It doesn't seem the customer service want to resolve this issue so I just email individuals from the companies in hopes I can be put in touch with someone that does want to resolve the issue. 

Thanks for understanding. 

Regards

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 2023-04-17 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: World Acceptance Corporation
State: TX

Complaint narrative:
I was reviewing my credit report and I see XXXX accounts from World Finance. The most recent one has a reference number of XXXX. The account is charged off/closed and this company does not exist! I ask that you please investigate this because it is effecting me negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
There is two hard inquiries shown in my Cridit report on on XX/XX/XXXX, and XX/XX/XXXX From the two companies I didnt try to do anything with them I dont know anything about them am call them to ask about that and there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2023-04-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I placed an order with XXXX. I authorized them to charge my PayPal {$3.00}. The remaining amount of the order was authorized to be paid with SNAP benefits ( everything qualified for EBT except one item that was $ XXXX which totaled to {$3.00} ). I entered my EBT pin on the website as usual and immediately got confirmation of the order, as it always does. Later, I learned that XXXX charged the entire order ( {$210.00} ) to my PayPal account which only had {$10.00} in it so they tried to charge my bank account for {$200.00}. My bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca ) has denied the charge, but charged me an overdraft fee of {$31.00}. Paypal is now asking for me to pay them {$200.00} and is sitting with a negative balance. I never authorized the amount charged to begin with and I definitely didn't authorize PayPal to carry a balance like a credit card. They should have denied it due to lack of funds to begin with. There wasn't enough money in any account of mine to cover a {$210.00} charge. Hence why I was using my SNAP benefits for food. I contacted XXXX multiple times. 2 reps said they would refund my money as it was a glitch in their system that made the mistake and charged the wrong payment method, but they never did and i never received the confirmation email about it as they said i would. I filed a claim with PayPal but they denied my claim stating it wasn't a billing issue and are now demanding I pay them the remaining balance {$200.00}. I never authorized that amount, I never authorized them to carry a balance, i have been charged a fee from my bank that is not my fault. I don't know where else to turn. I'm low income and budgeting isn't easy, but I manage. I can't manage or afford to pay for something I didn't authorize to begin with. I don't understand why it wasn't just denied since the funds weren't there. I can't understand why PayPal won't issue a refund because the charge was never authorized. XXXX has admitted the mistake was due to a glitch in there system but won't refund the amount taken. They said to contact PayPal. I contacted PayPal and they said to contact XXXX. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
While on vacation in XXXX, my fiance and I were taken to a custom clothing store ( XXXX  ) where we ordered custom suits, shirts, shoes, and dresses that were supposed to be shipped to us. We were advised that the items would be shipped to us via XXXX and, in lieu of a receipt, we were provided the XXXX contact information for the sales representative. However, we never received any tracking information for the items and our attempts to reach the salesperson were unsuccessful. When I attempted to locate alternate contact information for the vendor, I came across a multitude of negative online reviews posted by other American tourists who also never received any of items they purchased from XXXX. After learning that my experience was not an isolated incident, I filed a credit card dispute with Chase. However, Chase incorrectly classified my dispute as an " in-person '' transaction and promptly denied my dispute when the merchant provided a fraudulent/forged document bearing my signature which I never signed. Chase also provided contradictory information regarding the status of my dispute during my last two phone calls in order to stall any follow-up efforts on my part until after the dispute period ended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I see in my report 30 inquires I never apply for these lender non have my signature I try to contact trans union to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month

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