vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
There was a fraudulent charge in XXXX. In my opinion, USAA should have informed me that this was a suspicious charge since I do not use this card and suddenly there was an out-of-state charge. They did not. I noticed it in XXXX and reported it. They removed the fraudulent charge, but I have repeatedly called and had long times on the phone trying to get the resulting charges from USAA to be removed. They either disconnect or say that it's up to them whether to refund the charges and I will find out in 3 days. But there has been no resolution. There have also been conflicting answers on whether they will handle this with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian + XXXX XXXX XXXX XXXX, On a recent review of my credit reports I discovered your company pulled my credit on Experian without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact Experian immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from Experian immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull

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 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
I have worked as a XXXX during this entire pandemic and continue. While working at XXXX if XXXX I began feeling a intense pain in my XXXX XXXX XXXX. After work I went across the street to XXXX of XXXX hospital. I told MD my symptoms and that I would be self pay because my insurance wouldnt begin until XXXX of next month. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given unnecessary exams mounting to XXXX after a XXXX self pay credit. Only for MD to prescribe the XXXX XXXX XXXX XXXX XXXX XXXX. Health insurance does not permit unnecessary exams and will not pay out for them. This is to prevent abuse of insurance claims and exploitation of the consumers. As self pay I should receive my healthcare under the same guidelines. I should not be exploited because I am XXXX XXXX  and taken advantage of in a moment of weakness. I risked my life taking care of others at XXXX XXXX during height of pandemic. I deserve more than to be scammed. This matter is causing a financial hardship and is potentially ruing my credit while I am seeking homeownership. I worked my credit back up to XXXX. I eventually went to XXXX XXXX XXXX and XXXX XXXX treated me effectively. My bill was XXXX which I paid. I have paid XXXX for the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae is now harassing me with calls about my payments that Im clearly struggling with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I received an email notification from PayPal on XX/XX/XXXX that my credit card had been removed from my account profile and a new phone number added. I immediately notified PayPal that I did not make those changes and the account has apparently been hacked. Since I've never ever used this service and have no credit or revenue associated with it, I requested to close the account effective immediately ( I did however change my password ). PayPal advised me to leave the account open for future use since it doesn't cost me any money to do so. I again told them that I wish to close the account. Turns out they won't let me close the account without sending them a photo ID, my home address and my social security number. Since this information was not required to establish my account, I am not comfortable sending sensitive personal information to execute this request. I even gave them the full name and contact info of the fraudster who hacked the account, and PayPal even began corresponding with him. This puts me at great risk each day they refuse to allow me to close this account, and I'm looking for a way to resolve this situation. I've attached my email correspondence with them since XX/XX/XXXX, my comments appear in blue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: NC

Complaint narrative:
Since XX/XX/2022, Ive notified Experian via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.

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 2022-08-22 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I was scammed out of {$300.00}. I've reached out to XXXX because Zelle app is linked to my XXXX bank app, and they said I needed to settle this outside of XXXX. I've filed an online complaint about the scam through Zelle as well and have heard nothing back from Zelle directly. The situation was I am selling a piece of furniture on XXXX XXXX. The purchaser sent {$200.00}. Then I received an email from what looked to be Zelle stating that I have a pending payment of {$200.00} but I need to request an additional {$300.00} to create a business account. Supposedly, the sender sent the {$300.00} and I was to refund this {$300.00} to the sender and show proof to Zelle. I sent the {$300.00} from my bank account to this person. After that, I received another email stating I needed to send an additional {$500.00} to another person at Zelle for a Certificate Fee. The email addresses all ended XXXX, for both the person buying the couch from me and the person at Zelle. This is when I realized it was a scam and did not send the additional {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: GA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account:XXXX XXXX XXXX Account:XXXX XXXX XXXX Account:XXXX  XXXX XXXX Account:XXXX XXXXXXXX Account:XXXX XXXX XXXX Account:XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX Division of child support Account : XXXX XXXX XXXX New York Docket # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-22 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: The Best Service Co.,Inc
State: FL

Complaint narrative:
CFPB + XXXX + The Best Service CO/XXXX  On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from XXXX immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull

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 2022-08-22 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 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
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 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 2022-08-22 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I called Citizens in XX/XX/2022 to remove my PMI from my condo that I purchased in XXXX of XXXX  as the value is significantly higher than when I purchased it. The updated value estimation combined with the amount of principal I've paid to date, I have over ~30 % equity. 
After multiple calls over multiple days, I was able to get in contact with a loan officer at Citizens who said they would put in the request to send me the letter detailing what I needed to do. No one else at Citizens ' mortgage phone system seemed to have any clue about how to reach their PMI department. Citizens sent me a letter explaining the criteria to remove PMI, which stated I must have at least 75 % equity and owned the property for at least 2 years ( which I should easily qualify for ). The letter also stated I should send a check for a BPO ( {$150.00} ) or an Appraisal Single Unit ( {$320.00} ), but did not specify which amount I should be sending the check for or how to obtain that information. 

I then spent another 1-2 weeks calling Citizens mortgage phone system nearly every day once XX/XX/2022 hit ( 2 years on my condo ) until I was able to get ahold of someone else who stated they could not give me the PMI department 's phone number but would have someone reach out to me. I spent a week waiting for a call to no avail. I then called the phone system for another couple days until I got someone else who said the same thing. Finally I got a call from a " XXXX XXXX '' ( XXXX ) on XX/XX/2022, who left a voicemail stating she would send me the letter packet that I had already received nearly 4 months ago! 

I immediately called her back but no answer, and left a voicemail explaining how I only needed to know which amount to write and send the check for. It has now been two full weeks without hearing back from XXXX XXXX or anyone at Citizens ' PMI department. I have been leaving voicemails for XXXX XXXX every other day asking for that simple answer so I can remove the PMI from my mortgage. It is as if Citizens is refusing to let people request PMI removal early, against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-22 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: NC

Complaint narrative:
Since XX/XX/2022, Ive notified XXXX via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.

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 2022-08-22 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-22 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation