vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America Merrill Lynch sharing transaction history and statements from credit card with family members despite repeated requests to stop doing this. Family members are not signatories to the credit card or authorized users.

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 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: OK

Complaint narrative:
Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was approved for a {$2000.00} loan, payable on the XXXX of every month in the amount of {$84.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$90.00} per month. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.

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 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: AL

Complaint narrative:
I have a loan with SeedFi, which I signed a contract with back in XX/XX/2021. However, SeedFi has recently sold the debt over to its partner XXXX. This has given me nothing but problems ever since because I signed a contract with SeedFi to make payments and not XXXX. I have had difficulties making payments through the XXXX website. I don't even trust XXXX as it does not sound legitimate, and I do not feel comfortable submitting payments to them. In addition, XXXX XXXX/SeedFi has reported me delinquent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I did not consent to, benefit from or authorize any of the following Account XXXX XXXX XXXX  Account : - {$400.00} Vystar credit Union- Account - {$470.00} XXXX XXXX XXXX Account XXXX {$2500.00} XXXX XXXX XXXXAccount- {$420.00XXXX XXXX XXXX XXXXAccount- {$900.00}

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I contacted Affirm before my due date on XX/XX/XXXX and they told me to apply for the hardship program. 
I have tried applying numerous times, which they said they could see, but their website and app keeps timing out and making it impossible to submit anything for their hardship program. 
This was elevated to some kind of customer service on XXXX and they said it would take XXXX business days. 
When I didnt hear anything by the XXXX, I emailed them again. They have not responded back and its now XX/XX/XXXX. I feel that they are purposely ignoring my requests and theyre collecting late payment fees onto my account and now Im XXXX  days past due and getting closer to them reporting to the credit bureaus that Im late when Ive been asking for their help for over XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, National Credit Adjust # XXXX, XXXX XXXX XXXX # XXXX, XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  # 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 which I have not furnished.

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XXXX XXXX, 2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This Unverified account is causing extreme Financial hardship and XXXX. It is making it extremely difficult for me to acquire credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
*COMPANY DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS LIE AND ARE LAZY!. 1. Putting a collection on my credit report that is not my account. 2. Putting the same account that is in collection as a regular account two others items on my credit report. A TOTAL OF 3 times that XXXX is on my credit report and they refuse to remove any of them. I AM GOING TO SUE XXXX XXXX XXXX XXXX THEM. 3. Have never provided Method of validation or written signature for any of the accounts listed below. 4. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute 5. They have blocked me from disputing online because I complained on here. I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. Accounts I am suing them over : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
EXPERIAN is in violation of the below laws on the accounts mentioned, and I want them removed immediately after they failed to respond to my demands in the required 30-day time to respond. 

XXXX XXXX, Account # XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 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 an account without my written Instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied to a Synchrony Bank Credit Card for AE OUTFITTERS, INC and got denied because they claim my XXXX XXXX is too low. They put XXXX 's contact information and XXXX Relations. They checked my score on XX/XX/22 and it said my score is XXXX, which is not anywhere close to my real 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 explanation
Consumer complaint received 2023-01-12 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
On XX/XX/2023 i contacted google store support due to the store not giving me the option to pay with my google store card ending XXXX. Support rep was useless. Quoted a previous unrelated order. Then said its a XXXX XXXX problem. Upon calling XXXX, they indicated they have no control over the sites store.google.com or pay.google.com. Google has failed to provide any reasonable support, representatives that understand english, and reps that understand their own websites. Google has failed on many levels and its preventing the use of a Reg Z item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: I.C. System, Inc.
State: TX

Complaint narrative:
Hi, I've tried to fix this false reporting with XXXX and XXXX last month and they didn't update the late payment I had. I need this last payment/debt collection that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap.

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 2023-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Select Portfolio Servicing, Inc. is my lender. I knew I was behind on my mortgage and I have reached out to their loss mitigation department several times. Each time I called I get sent to a general voicemail and no one has returned my calls. I did receive XXXX call back on XX/XX/XXXX, @ XXXX from XXXX I returned the call, and I had to leave a voice mail, and no calls since. I was notified by my XXXX XXXX that the house was in foreclosure. I would to keep my home but at this time to not want to refinance. Seems like SPS would be interested in keeping people in their homes. XXXX Statement just arrived with an outstanding balance of {$19000.00}. I have also been working with XXXX. I received an email back in XXXX stating they were working with SPS and not sure what happened with that. My XXXX statement shows my account has been referred to an attorney for legal action. Also, back in XXXX & XXXX, SPS raised my house payment XXXX and some dollars to {$1900.00} and so dollars when they knew I have had problems paying the {$1200.00}. I would also like to know where the extra money went that I was paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/23 I received an email from Paypal about having unclaimed funds in an account with them. 

I tried to log into the account and supplied a valid username and password. However the website said it needed to send a code to my phone number of record to verify the account. I pressed the agree button, but the website said it couldn't use my phone number to verify the account. 

A secondary option was to have them call me at that number... I pressed agree, but the website once again said they couldn't use that number to verify the account. 

A third option was to call them directly. I did so, but it said due to delays they would call me back. 

They did call back 3 times, but each time when I said hello, there was no answer. 

I re read the initial email and it had a phone number to call. I called that number and I was told I had over {$1300.00} in the account, but they couldn't give me access to the account. One person even had me renew my password, but no access to the account. The final person told me that I couldn't have access until I told them the account number of the original bank account I used to open the account. That had been years ago and I have closed that account and don't have records for it. The rep said he couldn't give me access to the account until I provided that information.

At this point I have over {$1000.00} in a paypal account that I can't gain access to, even though I have provided them with a valid email/password/phone number. They even asked me for the last 4 of my social security, but the last rep said I don't have a social security number on file.

Please help me gain access to my account.

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient continues to add XXXX XXXX XXXX to the account as a contact address when Navient has been made aware numerous times that I do not live at that address, and do not know anyone who currently lives at that address. This address has been added without authorization nor has it been requested. In fact, it has been requested multiple times that they remove this from the account and refrain from sending any communication to that address. Their refusal to do endangers my safety and security. Furthermore, XXXX continual actions to add the address to the account, in spite of this knowledge, appears to be an attempt to violate the law regarding restrictions on call hours within a particular time zone and to purposefully run afoul and disregard proper service of process. I have had to update the address manually numerous times to Navient, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a contact address for their system to avoid compromising my safety with their disregard of my request to not send mail to nor use the XXXX XXXX XXXX address. They acknowledged this update and request - but then still continue to add XXXX XXXX XXXX to the account. If they do not want to utilize the above Navient address as a contact address for their system, something done regularly for those living internationally or without stable housing, then for they can leave it blank as their system also allows them to do. Ive included a screenshot of when the address portion of the account dashboard was blank on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other XXXX be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.

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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
This a follow up complaint to my original one below is my original complaint as follows XXXX on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because I was late I had to pay my XXXX XXXX XXXX XXXXor being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems. 

Per your response to the original complaint you indicated you did an investigation. Per your words below To note, you also mentioned in your complaint that there was a known outage during this time regarding Chime cards. We want to inform you that we found no outage when reviewing the month of XXXX in regard to your complaint. 

This a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found during the month of XXXX XXXX your tweets and the status page of your services proves that you are straight up lieing. You tweeted on XX/XX/XXXX the day in question that members were having difficulty turning on and off transactions. Not only were you having trouble on that day. You were also having issues the next day XX/XX/XXXX consisting of the same exact problem from the previous day in which you also tweeted that day that there was issues in turning on and off transactions. So for you to say you did an investigation and found no issues were found for the month of XXXX is a straight up lie. That is totally unacceptable and quite frankly a huge issue of distrust if you do not take this seriously and keep trying to lie about the problem that was clearly documented that tgere was a problem I will choose to take another route which will involve lawyers and class action suits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation