vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023 I attempted to transfer funds from an account at XXXX XXXX to an account at my credit union just as I had done repeatedly in the past. Instead of completing the transaction PayPal held the funds and then their customer service staff insisted that I was the person who created an electronic check. Earlier today I learned that, as I suspected, PayPal created the electronic check and printed the screen showing that they automatically converted the transaction to an electronic check AND provided me with no ability to stop or cancel the transaction. Accordingly I contacted XXXX XXXX after seeing that, in fact, PayPal had received the funds and was holding them for undisclosed reasons. I initiated a dispute per Regulation E with XXXX XXXX and should receive conditional credit in the next day even though PayPal shows it will hold the funds until XX/XX/XXXX. After dealing with PayPal 's utterly useless offshore " customer service '' staff I decided to manually move the funds in the form of cash by withdrawing most of the amount at a XXXX ATM and then driving to my credit union. Since XXXX defaults now to paying overdraft amounts I discovered this morning that my account had a negative balance due to the PayPal originated eCheck debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I opened a credit card in XXXX. Since then, it was charged off to Midland Credit Managament. Someone responsible in collecting the debt in this company attempted to contact me via phone in XXXX of XXXX. I told them that at that time I could not pay the amount in full when they offered, but that I would get with my husband about what we could afford and call them back when I could ( as I have been unemployed since due to high risk XXXX and having to stay home with my child-meaning no source of income ). They called back the very next day without waiting for me to contact them first, when I answered they were forceful in stating the only options available to me and asking over and over again if I had spoken to my husband about it. I told them that I had not spoke to my husband yet, and am aware this will affect my credit but I dont have many options at the time. They continued to call consistently for up to 3 days after this second phone conversation and leave voicemails. They mailed things to me as well at my home address regarding the charge off, and put on paper what my options were then. I already stated to them that I would get back with them and they did not allow me the time. My circumstances have not changed since then and they are attempting to sue me for the full amount plus court fees. I also attempted to contact them back via mail after being served by the magistrate court and they refused to respond to any of my solutions or offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX and Trans Union regarding my extended fraud alert and requested that my phone number be added to the alert. I have applied for credit applications and those applications have either been placed on hold or denied because the credit bureaus have not honored my credit and added my cell phone number to the alert. Trans Union and XXXX have not added the extended fraud alert to my credit report at all and it was added to XXXX credit back in XX/XX/2019. I am in the process of having two credit card applications approved and they are being held up based on the fact that my cell phone doesnt appear on the fraud alert and XXXX is delaying the process or just not getting not at all. I contacted Trans Union and they told me that they never received any information that I had an extended alert and would not add the extended alert to my credit report. XXXX and XXXX XXXX have both told me that they would have to re-run my credit again, resulting in an additional hard credit pull if and when XXXX and Trans Union add my cell phone number to the fraud alert which should have been done back in XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I contacted XXXX and XXXX XXXX regarding my extended fraud alert and requested that my phone number be added to the alert. I have applied for credit applications and those applications have either been placed on hold or denied because the credit bureaus have not honored my credit and added my cell phone number to the alert. XXXX XXXX and XXXX have not added the extended fraud alert to my credit report at all and it was added to XXXX credit back in XX/XX/2019. I am in the process of having two credit card applications approved and they are being held up based on the fact that my cell phone doesnt appear on the fraud alert and XXXX is delaying the process or just not getting not at all. I contacted XXXX XXXX and they told me that they never received any information that I had an extended alert and would not add the extended alert to my credit report. XXXX and American Express have both told me that they would have to re-run my credit again, resulting in an additional hard credit pull if and when XXXX and XXXX XXXX add my cell phone number to the fraud alert which should have been done back in XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/2023 a bill pay request was submitted to Bank of America Credit Card, the payment request was recognized on XX/XX/2023. Money was removed from the XXXX XXXX checking account on or before XX/XX/2023 in the amount of the payment. Despite the removal of the funds from the XXXX XXXX Account, the payment processing has been put on hold for 10 days. When speaking to a managerial representative, they told me that they could not provide an explanation for the hold and could not lift the hold ( although initially the representative said that they delay transfers to confirm funds, I told them that the funds had already been withdrawn from my checking account ). 

I cashed out a MONTH of leave so I could make a larger than normal payment on the credit card - the larger-than-average payment is the only explanation I can think of for why the processing hold was put in place. The extended inability to use those funds ( since they have been removed from the checking account and are unusable in the credit account ) has placed me under extreme financial duress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WLCC
State: TX

Complaint narrative:
I received an email on XX/XX/2023 from Explore Credit Management Team. 
telling me they had a technical issue and funds were withdrawn from my bank account and they are in process of returning funds. They gave contact information XXXX & Phone : XXXX I spoke with someone they said the had a technical issue over the weekend and my fund were being returned, still no funds returned. I called back yesterday on XX/XX/2023 they said funds would be back in my account today. Still no funds. I applied for a loan more than XXXX yr ago but never accepted the loan Never signed anything with them or Authorized in any form from my bank account they with drew {$120.00} on XX/XX/XXXX. if you look up Explore Credit online they have done this to XXXX 's of people it's all over the internet lot of complaints filed with Better Business bureau in last 2 weeks for same issue. my bank took note of the issue and fraud alert on my account & told me if funds are not returned in 7days I would need to close out my bank account and open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hello, i previously had a checking account with bank of america. they had charged me with insufficient fund charges and overdraft charges. several times .my job at the time gave me the option for direct deposit, so i closed my account with BOA. I`am now with XXXX XXXX XXXX. i have-not received any settlement information from anyone i just read, and saw on the news, that they have been doing this to others.how do i join for reimbursement .thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi find it unethical that Chase Bank continues to charge a {$12.00} per month fee for the inability to carry at least {$1500.00} in a checking account with them. It is not ethical for the bank to profit each month through this, I am trying to save money, and they are assessing this monthly feel. I do not meet the waiver criteria ; as I am self-employed and do not have a check direct deposited into this account. I have had great customer care over the years and have maintained a good business relationship to this point ; however I do not feel this is fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 2023-07-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to update my email address. But the TransUnion website instructions stated it can be easily change by going to my profile, but it didn't work. It does not allow for change/update. The button is greyed out even though I was able to type in my new email address. 

Furthermore, I called yesterday and was left on hold for over 45+ minutes with no one answering.

Then I tried to use their website instruction on the " Chat '' service by click the button at the lower right-hand corner ... ..well there was no button there. 

So I resorted using the XXXX XXXX hoping that someone can help. The chat stated I was connected to " XXXX ''. I stated my issues and asked if " are you there ''. And after 20+ minutes, there was no response. 

What does it take to change a simple email address with TransUnion? 

Sincerely, 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 2023-07-11 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have been trying since XX/XX/2023 to apply for a loan modification with my loan servicing company ( Mr. Cooper ) and they keep asking me for documentation. I upload the documents requested and then the company rejects the document ( s ) saying they have a question about the document I uploaded. I call the company and ask the Loss Mitigation representative why the document was rejected and receive a different explanation from the different representatives every time I call. I have emailed them letters of explanations to explain the documents as they suggest and they are still rejected. The other issue I am having is that in the past I have completed and uploaded a Loan Modification Application they send to me. Now all of sudden they are asking me to complete a different Loan Modification Application and when I asked why it's a different document they can't explain why. The application they want me to complete and upload is for a government loan ( my note is being held by a private investor ). One representative told me it was the wrong form and that they would send me the correct form and when I receive the form it's the application is for a government loan. In the latest correspondence from the company, the letter stated that as of XX/XX/2023 foreclosure proceedings had not started. On XX/XX/2023 I received a phone call from a complete stranger telling me my property was scheduled for foreclosure on XX/XX/2023. I was shocked. I immediately called the Mr. Cooper and they told me to upload my documents. Again the load modification application is for a government loan. I am extremely both mentally and physically stressed from what I am going through with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NY

Complaint narrative:
Have Two Accounts with different amounts with XXXX XXXX XXXX {$260.00} & {$950.00} U.S. code 1692G XXXX XXXX XXXX has no state License in the state of Massachusetts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
l asked the credit bureau to do a verification of my credit report of identify theft and they stated everything was accurate, but I did my own thorough research myself, and found improper inaccuracies on the credit report even after they did the research. XXXX XXXX XXXX. Complaint ID : XXXX XXXX Midland Credit Management. Complaint ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account, 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 2023-07-11 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 tried to work with both the credit beurres and collector to have this fraudulent account removed from my credit report. There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. I tried reaching out to the collector various times via email and mailed letter asking for validation debt letter and they failed to provide me with it. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX Act # 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 2023-07-11 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: TX

Complaint narrative:
Yes I XXXX XXXX Have call XXXX XXXX multiple time about inaccurate ideas on my credit report I try to dispute but they gave me no help.

Company response to consumer: Closed with explanation