vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: Omega RMS, LLC
State: LA

Complaint narrative:
The fraudulent company XXXX and XXXX XXXX coaching kept pressuring me to sign up for their coaching. I told their reps that I did not have money to sign up. They promised XXXX on XXXX coaching calls. That a coach would call me weekly. No one ever called. This began XXXX. After waiting for coaches to contact me and they never did, I called to cancel due to them not delivering on promised services. The rep would not cancel after repeated requests to cancel services due to the companys failure to render services as promised. The rep named XXXX tells me I need to pay {$640.00} for services not rendered to cancel. I told her I would not pay money for something I did not use. I hung up after repeatedly asking for cancellation and getting mo where. This companys practices are fraudulent. They have sold this account to a debt company XXXX XXXX claiming I owe {$3200.00}. I do not owe this company or any other company. I have requested a dispute with XXXX twice. They are not doing anything and claiming the information is accurate when it is not accurate. I do not owe this debt with XXXX XXXX. I will retain legal counsel if this matter is not resolved. This is ridiculous! I am not paying this fraudulent debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I Payed Them And They Locked My Credit Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have chime and have set my T up to receive my social security XXXX payments I have received a couple and them received a back payment lump sum XXXX and then they suspended my account this has been since around XX/XX/XXXX I keep speaking to reps who are no help as of XX/XX/XXXX they sent my direct deposit back but will not let me close or open up or even send my funds back I cant get any information on my account all the asked for was a copy of my Id and mail with my address myself and children are in a very bad way we are not able to have any funds please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: DE

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
On six occasions, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX, I submitted ALL pertaining documents and information to be able to transfer funds from Direct Express by Comerica Bank card account to my personal bank account. 
The times I contacted Direct Express customer service I was notified that my requests for ID verification and transfer attempts or requests were summarily denied. No valid reason or explanation were given. 
Direct Express continued contract breach and discriminatory profiling and practices violate altogether consumer laws and fiduciary duties and responsibilities towards me, a consumer and a beneficiary of XXXX compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My PayPal account can not be linked to the bank and withdraw cash. I have contacted the customer service staff " XXXX  '' many times. The attitude is extremely bad, and I ended my call directly. So far, the account problem has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fifth Third Bank recently acquired the servicing rights to my mortgage. While trying to setup automatic payments I ran in to problems. Fifth Third Bank does not allow the setup of automatic payments from outside banks. This scheme is to try to increase the amount of late fees paid to Fifth Third. I did not originate my loan with Fifth Third. I will never willingly open a Fifth Third account. Fifth Third Bank could easily allow automatic payments like almost every other respectable loan servicer does, but Fifth Third chooses to try to collect ill gotten late fees and/or harass the client to open additional Fifth Third accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
on XX/XX/XXXX ONEMAIN FINANCIAL CALLED MY PLACE OF EMPLOYEMENT REGARDING A PERSONAL LOAN I DO OWE AND I AUTHERIZED A PAYMENT TO BE MADE FOR XX/XX/XXXX. WHEN I ANSWERED THE PHONE I TRIED TO LET HER KNOW I COULD NOT HAVE CALLS AT MY PLACE OF EMPLOEMENT AS I HAVE TOLD THEM MANY TIMES IN THE PAST, ALSO TOLD HER MY BOSS WAS IN FRONT OF ME BUT SHE DID NOT CARE SHE CONTINUED TO ASK ME QUESTIONS AND I HAD TO YELL AT HER ( XXXX ) BECAUSE I DO GET IN TROUBLE FOR PERONAL PHONE CALLS, AFTER I HANG UP ON HER SHE PROCEDES TO CALL MY HUSBANDS PLACE OF EMPLOYEMENT WHERE SHE ASKED MY HUSBANDS CO-WORKER QUESTIONS ABOUT HIM A CO-WORKER WHO IS A EQUAL TO HIM NOT IN XXXX COMPANY IS HURRASSING US AT WORK ONEMAIN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX THANK YOU SO MUCH, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: NY

Complaint narrative:
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no XXXX company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting Act CB Indigo act # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I got money request to my paypal account that someone named " XXXX XXXX '' is requesting XXXX XXXX and within the note of the email by the requester there was a phone no. XXXX that if you don't recognize this call us back. When I called them a lady with XXXX accent told me I am being hacked and I need to go to " XXXX  '' website and made me download a software and then wanted me to open up my checking account ; only on the computer and not the app. When I opened it computer screen turned to " window updating '' which spooked me and I started confronting her if you are really from Paypal to which she started to get angry and cutt the line off. I have reported this to both my XXXX XXXX XXXX  and paypal as well. Fortunately no money was taken out of my account as I got spooked right on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
I have disputed the collections twice with Transunion and both times they have verified the account as accurate. The issue is I was never aware of this debt nor I was contacted via mail or phone with an attempt to collect a debt. Also, this is a pure violation of their law. Please see below On XX/XX/2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional XXXX XXXX ( XXXX XXXX XXXX XXXX ). Specifically, the companies announced that starting on XX/XX/2022, the time before unpaid XXXX XXXX can appear on a consumers report will be increased from 180 days to one year, and paid XXXX XXXX will no longer appear on consumer reports at all. 
https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ I keep disputing it as this is a violation of the law that started on XX/XX/2022.

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 2022-12-08 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: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My PayPal account can not be linked to the bank and withdraw cash. I have contacted customer service many times and the problem has not been resolved. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XXXX XX/XX/2022 I received an email notification from XXXX that an application was submitted in my name to establish a credit card with Bank of America, I did not make this application. I contacted Bank of America and reported this application as fraudulent. Bank of America assigned a case ID number. From my conversation with Bank of America it would seem someone has at a minimum my date of birth, name, previous addresses, and previous phone number.

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 2022-12-08 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: MOHELA
State: PA

Complaint narrative:
Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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 2022-12-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2022-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Since XX/XX/XXXX I tried reaching Microsoft to remove my credit card from my XXXX XXXX XXXX sons account that has been missing since XX/XX/XXXX. Microsoft refused because my XXXX XXXX XXXX son could not verify. I called capital one to change my card. They said I was removed from all previous use. Ive been billed every month to today XX/XX/XXXX. I called in XXXX to dispute and change my card again they said it was my fault so they denied credit despite my call to change my card. I changed my card again they told me I was in auto updater allowing unauthorized charges to continue and it was my fault. They said I was removed from a program I was never aware of and disputes were filed I was just denied credits for the charges and it put me over my balance they are refusing to credit unauthorized charges even though I changed my card and notified them several times. They are now saying I am liable for fraudulent charges. 


moving forward today XX/XX/XXXX I received ANOTHER charge and the representatives blamed me for the situation and stated that they were not going to credit me back the charges. This was after XXXX  card replacements in the month of XX/XX/XXXX and a promise recorded on a call that this would not happen again. I am being charged EVERY SINGLE MONTH OFF A CARD THAT WAS REMOVED FROM MY ACCOUNT OVER A YEAR AGO!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 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: TN

Complaint narrative:
I am intrested in disputing all inaccurate information on my credit report with transunion.

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 2022-12-08 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: MI

Complaint narrative:
Experian, XXXX, XXXX has reported late on my credit report on XXXX XXXX, and they didn't have them my consent to report these items, I need them removed immediately. They are in violation of U.S. Code 1681B ( A2 ).

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 2022-12-08 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: FL

Complaint narrative:
I've been sending letters but they keep on being ignored so this time I'm seeking help from government agencies for you guys to take action.

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 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Hello, This is concerning my mortgage with Carrington Mortgage Services , LLC . I was awarded 18 months of payment from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They are paying a total of {$810.00}. I was informed that my mortgage payment will increase to {$1100.00} with a start date of XX/XX/2023. I have called the mortgage company on multiple occasions asking what this will mean for my forward payments from the HAF program, I have been given the run-around every time and no customer service representative knows what will happen going forward. The XXXX program will continue to pay the {$810.00} ; they have informed me that the amount can not increase because my mortgage payment is increasing. I need to know exactly what will happen each time a payment from XXXX is sent to Carrington Mortgage company as I do not want my payments to be returned. Will the {$810.00} be placed in a separate suspense account until another payment is made to complete the full payment of {$1100.00}. I really need to know what will happen going forward and each time a call is made to Carrington Mortgage the representatives give me a different answer each time. 
Please clarify what will happen to the payments from XXXX, will they be placed in a suspense account until another payment is made to complete the total of {$1100.00} Or will the payment be returned to XXXX due to it being a 'partial payment ' Please clarify, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
They have called from numbers that are NEVER identified with caller ID. I have instructed them to cease & desist calling me. I do not owe this firm.

Company response to consumer: Closed with non-monetary relief