vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the XXXX is asking you for validation ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Date of transaction XX/XX/22 Amount {$1000.00} I rented a home and the person posed as a owner of the house. I paid them via XXXX through bank of america. A police report was filed, and the person is being prosecuted. However, even though I filed a fraud report with bank of america the detective also supoened the account to retrieve information. They refuse to refund my money as fraud. Bank of america has been horrific with their fraud department as well as responding timely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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:
In accordance with the fair credit Reporting Act XXXX Account XXXX has Violated My Rights Account Name XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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:
In accordance with the fair credit Reporting Act XXXX Account XXXX has Violated My Rights Account Name XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/2022 I filed a complaint via the CFPB portable against Nissan Motor, I included my name and address along with the issue I was facing. On XX/XX/2022 I got a response which I will attach stating the inability to respond to my request due to the information provided. I am unsure how they could not find my account. I had requested a copy of my original contract and along with the complete payment history for the duration of the loan. 
Here is my Social Security # XXXX so they have no excuse in not finding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
this is complaint about first republic bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX My mother XXXX XXXX XXXX XXXX XXXX have account with this bank for more then 30 years. For many years we accepted this low interest environment but now when interest rate jump XXXX % the bank want to renew the cd without my knowledge and still pay me close to XXXX % .The bank representative got all the information to communicate with me include email and phone outside the country but it was convenient for the bank to send letters to the address that use here but not present there. 
is that make sense to continue offer almost XXXX percentage point when they renew cd but for the same cd they offer for someone new XXXX percentage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I received a payoff from USAA of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. USAA however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid USAA, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. USAA then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of USAA is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. USAA should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
USAA agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 XXXX Account number XXXX has violated my rights Account name XXXX XXXX XXXX Original creditor : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XXXX I've filled a compliant against Synerprise Consulting Services regrading their violations of FDCPA and HIPPA. The case number is XXXX. Until today, Synerprise Consulting Services still unable to provide debt validation and a copy of my signature with XXXX XXXX  to release my medical information to Synerprise Consulting Services. 

On XX/XX/XXXX, Synerprise Consulting Services did respond my compliant with CFPB, and agreed to remove and delete this collection from the three major credit bureaus. However, until today, Synerprise Consulting Services didn't make any requests to remove or delete this collection from any of the three major credit bureaus, instead of they made a new report to XXXX on XX/XX/XXXX regarding this collection. 

I demand that above-mentioned derogatory item be permanently removed from my report from all three major credit bureaus immediately. Otherwise, I will fill the case with XXXX XXXX small claim court and Federal court to seek damage from Synerprise Consulting Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I used my paypal account to purchase a sofa from XXXX XXXX on XX/XX/2022 for the amount of {$1200.00}. 

On XX/XX/XXXX, paypal was able to work with XXXX XXXX, who agreed to allow me to return the sofa, and instructed me to ship the sofa back as it had a problem with the arm rest. I shipped it back to address they requested : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as requested by XXXX XXXX. 

Upon shipping the sofa back on XXXX XXXX, 2022, I provided the tracking number. Paypal refused to issue a refund. 

In refusing to issue a refund, paypal sided with the seller, still refusing to provide the refund, stating the tracking # was invalid, although I repeatedly sent them several tracking # 's from XXXX XXXX the main trucking company and its shipper Fed XXXX XXXX. I also sent them the XXXX XXXX XXXX to let them know I had shipped the item. Representatives from Fed Ex and XXXX XXXX were available to verify I shipped the item. 

Upon receiving the item, the head of XXXX stores refused to take the item. This served as a fraudulent way of denying me a refund even after they had agreed to let me ship it. I have attached the tracking information as proof. 

I opened an additional case with paypal and repeatedly spoke to their representatives, but they still refused to issue a refund. I no longer have the item. 

I have attached the XXXX XXXX  XXXX and relevant tracking information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I am not aware of the debts listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan XXXX  Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX XXXX reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan XXXX  Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX Last reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TX

Complaint narrative:
On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
Consumer portfolio is saying my account is a charge off. There was not XXXX consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a Chase Freedom XXXX credit card in the mail that I never applied for. I know for a fact it was not me as the last name on the card had my previous last name. I called customer service on XX/XX/2022 to have the account closed. I requested for a confirmed email or letter in the mail to ensure that the account was closed, however was told they will provide me a fraud kit, which is not reassuring me that the account is closed and it will never happen again. They also did not reassure me with written evidence that it did notand will notreport the account to any credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCalla Raymer Leibert Pierce, LLC
State: NC

Complaint narrative:
The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, McCalla Raymer Leibert Pierce , LLC gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to McCalla Raymer Leibert Pierce , LLC a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of McCalla Raymer Leibert Pierce , LLC ( debt Collector ). 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I, applied for an Amerisave mortgage. While speaking with the lender I was told to out to put XXXX down to save my interest rate. I was never told or notified this is not refundable. Now the loan did not work out and they will not refund my XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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