vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-04-09 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
During the home buying process, my lending company ( US Bank ) sent my home appraisal to the seller without my authorization and approval via email in which I received a courtesy copy of it on XXXX XX/XX/2022. When I questioned the loan officer about why my appraisal went to the seller, the loan officer replied he did it as a " courtesy ''. I have purchased and sold numerous homes and never once have I had a situation where my lender reached out to the seller providing them with any documentations as a " courtesy ''. In addition, a previous conversation with the Loan Officer when questioning about where the down payment would be coming from in the form of 25 % of the house, the loan officer stated that US Bank had to verify that i was not a " drug dealer '' which was offensive since i am a minority.

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 2022-04-09 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: TX

Complaint narrative:
Please delete these unauthorized inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I ca||ed in to ask that, given everything thats going on and the fact that I am now being made to stay home, can I move the next two months of payments to the end of my loan. Thats it. What did I get? 

" Call back on your due date. We can push out your payment two weeks, but youll be charged a {$5.00} late fee for each of those days. Have you thought about filing unemployment? I also heard XXXX and major grocery chains are hiring right now. Are you kidding me? This is how you treat people? A friend of mine called her XXXX dealership and before she could even ask they OFFERED her 13 months be moved to the end of her loan ; no fees, no paperwork. We are in the middle of a global pandemic. I shouldnt even DRIVE my car right now! People are looking to you to do the right thing, not the profitable thing. I have said that my experience with XXXX has been amazing, but if THIS is the care we get on the back end, its not even worth it. Do. The Right. Thing.

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 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Coinbase, Inc.

Complaint narrative:
Im user of the company ( CONBASE ) on COINBASE.COM since 2019. 

On XX/XX/XXXX I received an email of COMPLIANCE asking me I was manual selected for a ID VERIFICATION, then they block my account and my card Associated to the account and send me a link to upload my ID or Passport. I send all of that, and wait for 3 days.. then I claim them against Email and then they asked me for a Proof of residence and then I send them, after this they Start to send me emails asking me LOT of things till I know COINBASE dont need to know about are a PERSONAL and PRIVATE information like : How much money I win, Send the Bank Report of last months, send a Proof of receipts of payments, send the documentacin of ALL my companies, and after SEND EVERYTHING of that they stop to reply... 

After that I try to Contact them on Phone, Mail, XXXX, XXXX ... and the company dont reply. Like I told them Im right now on XXXXXXXX XXXX XXXXXXXX in a Tourist trip of 3 months, and what they are doing after ONE MONTH for a " ID VERIFICATION '' its Block MY MONEY, MY CARDS, MY WITHDRAWS... I need to CLAIM THEM a compensacin about I needed to ask for a money in debt to Friends againd this situation! 

They have a REALLY BAD COMPLIANCE DEPT. and they need to UNBLOCK MY ACCOUNT, AUBLOCK MY CARD, and COMPENSATE for my time and the moral damage they do it to my during this process during ONE MONTH for a simple ID verification... ( I also send a video selfies on their website ) I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NC

Complaint narrative:
I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.

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 2022-04-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.

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 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account Portfolio Recovery was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please delete these unauthorized inquiries : 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

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 2022-04-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
on XXXX/XXXX/XXXX  I purchased 3 seats to XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX ORDER # XXXX I was told to verify my email address i did so and the tickets would be emailed to me THESE TICKETS WERE NEVER EMAILED to me at i sat in the parking lot with no tickets I disputed this charge and was lied to several times from VIVID SEAT and SYNCHRONY BANK telling me the had proof these tickets were in fact sent to me and never were I have asked to have this case opened three times and still no proof this is a complete scam i will not pay this charge of {$800.00} as I never received any tickets Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An anonymous person made a fraudulent payment on both of my accounts as they are connected thru the app. I advised them i had not known about it and would like to make a dispute for it and they will not help me or restore the account so i can handle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WI

Complaint narrative:
My Discover Card was charged with purchases I did not make. I contacted Discover and they initially gave me a credit. I asked them to close the account and they said I didn't have to close the account due to the fraud, that they would handle it. All purchases were reported and they assured me they will take care of it. They issued a replacement account and then put all of those fraudulent charges on the replacement account. I tried to dispute again but they didn't take care of it. I ended up paying a total of {$1100.00} between the fraud and the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage has been in forbearance within protection during covid 19. I realize that has ended. During this time, my Husband has had XXXX XXXX, thank God that has slowed down some. But have debt from it. My Husband is retired and can no longer work. 

I have been XXXX  for quite some time. I have been a caregiver to my Husband as well as a caregiver to my XXXX XXXX XXXX Mom. My XXXX began again in XXXX of this year. At this time, my hours are part time. However, I do have an XXXX store. I currently only have one client, but I am processing his payroll and taxes. 

I had begin a new trial plan and was unable to pay the amount due. I have been talking with them and informing them of everything going on. Seems to fall on deaf ears. Things are improving as far as earning is concerned. Don't get me wrong, I am still struggling. 

I had an appointment with XXXX XXXX @ PHH Mortgage early this month. I was never called. I checked my calls on my phone. They never called. So, now a new appointment is scheduled -- -- -it 's either the XXXX or XXXX. They are dragging out the time. I tried to make a payment and it has been refused on more than one occasion. Supposedly I am supposed to be receiving paperwork. It takes 10 days to come. So what date will I receive this if I do? When I was speaking with someone else with the mortgage said I didn't have to be concerned until after this month. I would like things to be taken care of this month. 

I do not want and will not lose my home. I could be treated more fairly I feel. I would like the behind part of my mortgage ( which is around XXXX ), to be put on the end of my mortgage. Most of this XXXX is from covid 19. I feel this is PREDATORY LOANING. Yes the covid plan ended at the beginning of the year ... .a few mortgage payments do not add up to XXXX! The percent of my mortgage is from 1 to 2 %. At this current time, it is 2 %. I would like for my mortgage to stay between 1 to 2 % and the covid 19 forbearance amount moved to the end of my mortgage. I do not think I am asking for much. 

In early XX/XX/2022, a tree fell on top of our home. I have been staying in a hotel every night because my lender placed insurance has no coverage for displacement. Then they wonder why I am still having financial issues. No one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
Debt collector has original different name and address start updating info went callme to verify info never been treated on this XXXX who send collection also call XXXX to verify don't have same personal information the other person was XXXX XXXX XXXX I'm not him allready summit 3 times disputed whit XXXX to solve this matter has 3 accounts whit united revenue corporation only deleted one account and the others 2 verify as accurate????? Don't understand

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I called XXXX and made a payment and closed the account, now Im receiving emails about owing them and they keep adding more late fees to the account and no one is trying to help, theyre saying theres nothing g they can do because the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-04-09 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: KY

Complaint narrative:
I had a Venmo account in which I used as a way to easily transfer funds to friends/family members who also had Venmo. You can attach your debit card and add money to your Venmo account/balance and from there use a designated Venmo card ( debit ) they provide you. I had added nearly XXXX to my Venmo account and used my venmo debit card for every day needs. My account was frozen the first time due to violating the user agreements. I was not told which agreement I violated as I was told by the customer service rep that they were not able to see that part of my account. Approx 4 business days later my account was unfrozen. I was able to continue using the services as needed. Then my account was frozen again for the same you violated user agreements and also we need an unexpired government issued ID. Which I provided. I told the customer service agent I was connected to that I submitted it and was told again 4-5 business days. I was now told my account is permanently disabled. I have over 800.00 sitting there that I do not have access to and their response is it can take up to 180 days to get a response and hopefully be resolved. I have transcripts of every chat and email exchange if needed. I can be contacted at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX we received notice that SunTrust ( Now Truist ) did not received our monthly payment. We had changed where the payment was being sent to as our bankruptcy had completed and now we were to send the payments to a different processing center. Our XX/XX/XXXX payment was processed as a total principle payment and not applied to the monthly payment. This has occurred each month since, and we have had to call them each month to move the money to be processed correctly since. They have the payments ahead of the due date. We have asked for this to be correctly processed and not make this a habit that we have to call them to do their job correctly each month. This is now a FIVE month continuation of the same problem. There has been no fix to the process other than after we call them. We have checked to see if the payment is being sent to the correct place and it has been verified each month as being sent to the correct location. We will be calling them again today to fix the XX/XX/XXXX payment.

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