vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit ReporXXXX 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 The following account is not mine 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  i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''

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 2023-04-26 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TN

Complaint narrative:
my rights have been violated by XXXX, Equifax, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My mortgage, which is currently held by Rocket Mortgage, is currently in forbearance. I am currently working with PA-HAF to get help. 

In the meantime, Rocket Mortgage has restricted our online access to our accounts. We were literally told by the customer service representative that " our account is currently restricted for online access because of the forbearance program we are in, any questions and check ins are to be called in '' I find this ridiculous, and I suspect it may be illegal. I need to get into this account at any given time and do not want to have to call in constantly. 

Is this legal? I find it is making it extremely difficult for clients such as us to work on their mortgage situation if there is no way to be kept in the loop other than calling in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. As a responsible PayPal user, I have always ensured that my transactions are legitimate and comply with PayPal 's terms of service. Therefore, I am perplexed as to why my account has been permanently limited. 

Furthermore, I would like to request that PayPal re-investigates my case and considers the possibility of restoring my account if appropriate. I am confident that a thorough investigation will reveal that there has been a misunderstanding or mistake. 

In light of the above, I respectfully request that PayPal takes immediate action to review my account and reconsider its decision to limit my account permanently. I urge PayPal to provide me with a timely response to this complaint and take the necessary steps to restore my account, as I rely on it for my online financial transactions. 

Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Re : Notice to Cease and Desist for Specific Activity Dear Fair Collections and Outsourcing, Due to Inaccurate information reporting on my credit report, this letter is served upon. 

If you do not cease the aforementioned Activity a lawsuit will be commenced against you. 
You have violated multiple laws as a consumer I have rights including, *15 USC 1681 ( b ) *15 USC 1692 ( c ) *15 USC 692 ( g ) *15 USC 1681i ( 5 ) If the Activity continues, I will immediately seek a temporary restraining order in the District Court against you and any accomplices in this matter. I will also seek monetary damages to be proved at trial. Hopefully, this recourse is unnecessary, as I have my interests to protect and will vigorously do so. 

You will not receive another warning letter. If you do not confirm in writing to me by the 26 days of XX/XX/2023 that you will cease violating our Agreement a lawsuit will be commenced immediately. 

ALSO THE FEDERAL TRADE OF COMISSION IS FOLLOWING THIS COMPLIAINT AS WELL.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: SC

Complaint narrative:
Good Afternoon. 

I am in the process of closing on a home, and have switched over from NVR Mortgage, to XXXX XXXX XXXX. NVR was unable to complete my loan, and XXXX has me almost to my closing in a timely fashion. We are waiting on one document to finalize, which is a transfer letter of my appraisal from NVR Mortgage. 

NVRM did not pay for the appraisal, I did. They are expressing to my new lender, that they wont give a transfer letter ( the only remaining item ) because its not XXXX compliant per XXXX XXXX XXXX. My new lender has sent them countless documentation that it is in fact compliant. From my understanding, XXXX XXXX XXXX has gotten a transfer letter from NVRM in the past, it just seems like the team I am dealing with is uneducated in their profession, and discriminatory towards their clients by not having their best interest in mind. They also are not allowing my lender to speak with their XXXX Department directly, who is the one making the final decision about this. They keep going in circles. 

When I first spoke with XXXX XXXX about a transfer letter, she had asked me if it needed to be in a certain format, making me believe that she is unfamiliar with this practice, and is not communication correctly what is actually needed from them. The same woman who told me I was unable to get a denial letter because it " not in their practice '', which I did eventually receive from my loan officer NVR has been taking things out of context, and communicating misinformation since XX/XX/2022, and our original closing was XX/XX/XXXX, until last minute they were unable to complete my loan. 

XXXX XXXX XXXX has been nothing but helpful, professional, and very educated in their profession. I would recommend them to anyone looking to buy a home, especially as a first time home buyer. NVRM on the other hand are a headache and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contacted Wells Fargo bank on XX/XX/2023 once I was aware that there had been fraudulent charges made to my account. Wells Fargo then conducting an investigation and concluded that the charges were not fraudulent. I was able to reach out to merchants to confirm that I either do not hold accounts with those merchants or that I did not make those charges, however Wells Fargo is still denying my claim and will not let me appeal any of the charges even the ones that I was able to verify myself that were fraudulent. 
I have spoken with their appeals team multiple times only to be denied help. The amounts total upwards of {$4100.00}. my debit card was stolen and someone has been using my card all across the state of Georgia. Wells Fargo will not refund me my money. Please help. I will attach screenshots of fraudulent charges below.

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 2023-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been trying to set up bi-Monthly payments with them, however, they are not affording me the opportunity todo so. I requested an email to print out the form to sign, since they claim that legally, they have to.. even though I can call them at any time and make a payment over the phone. Never got the email, so I had them mail it, never reviewed it in the mail. After several calls, I finally got the supervisor on the phone and they sent me an email. However, after clicking g the link in the email, a message popped up that I did not have permission to view the document. 
If I set up these payments, they wont make as much money in interest in the long term. So, I believe what is going on has to be illegal. If I manually do the payments myself, they will hold the first one till they receive the second, so I accomplish nothing. I have never had this issue before with any other mortgage company. I am being misled constantly on this matter by them and I hope I can get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2023-04-26 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: Regional Management Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
Dear Support Team, I am writing to submit a complaint and appeal the permanent limitation that was placed on my PayPal account. I strongly believe that this limitation was placed by mistake, and I have not violated any PayPal policy. 

I was shocked to discover that my account was permanently limited, and I have been unable to access any of the funds or use any of the services that I had previously used without any issues. I have always been a responsible and honest user of PayPal, and I have never engaged in any activity that would be considered a violation of PayPal 's policies. 

I would like to respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that upon further review, you will find that there has been a mistake in placing the limitation on my account. 

Furthermore, I would like to provide my email address associated with my PayPal account, which is XXXX, and any other information that may be necessary to expedite this matter.

I appreciate your time and attention to this matter and hope that this issue can be resolved promptly. Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ON OR ABOUT XX/XX/2023 MY EXPERIAN CREDIT FILE HAS STOPPED UPDATING ANYTIME THERE IS A CHANGE TO MY CREDIT FILE. IT SEEMS TO BE UPDATING ONCE A WEEK AND NOT ALIGNING UP CORRECTLY WITH EXPERIAN CUSTOMER SERVICE. FOR EXAMPLE, ONLINE WEBSITE SAYS I HAVE 3 INQUIRES, BUT IF I USE A 3RD PARTY THAT PULLS EXPERIAN, I HAVE 1 INQUIRY AND I WAS TOLD BY EXPERIAN THAT THERE IS A DATA QUALITY ISSUE AND THEY ARE REFUSING TO FIX IT. EXPERIAN CUSTOMER CARE KEEPS TRANSFERRING FROM FRAUD, TO DISPUTES, TO MEMBERSHIP SERVICES OVER AND OVER AGAIN. THE CUSTOMER SERVICE REPS DO NOT LISTEN TO ANYTHING I TELL THEM, THEY INTERUPT ME AND IGNORE EVERYTHING I SAY JUST TO GET OFF THE PHONE. TOTALLY UNACCEPTABLE. THIS IS THE ERROR MESSAGE I GET : Hmm, we're having trouble showing you today 's report. Something went wrong, but we're working hard to fix it. Check back later. ITS BEEN GOING ON NOW FOR 3 WEEKS. I WANT IT FIXED

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 2023-04-26 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:
in accordance. with fair credit reporting act XXXX  account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out 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 for a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX Concerning the above, the company has refused to honor the {$400.00} sign on bonus. The XXXX bonus was never mentioned in the paperwork I signed, although it mentioned the XXXX minimum deposit that we complied with. On the 38 pages of disclosures we never seen the promised deposit of the XXXX. The bank refuses to answer my calls and emails. The bankers never presented a durect deoosit slip. They never mentioned the terms of the bonus. In three occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: LA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation