vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc

Complaint narrative:
I XXXX XXXX, want to raise this issue with paypal. My account to them is tapbobed @ XXXX. 

Somewhat in XXXX or XXXX that paypal just limit my account. I tried resolving this but they didn't either accept or rejected my documents that they are asking more. What should I give more if that's only what I have. What more they need to know, the important informations are all there. I didn't do anything wrong. I just do online jobs which my clients paying me through paypal and my client is not alone since this small job that i saw in freelance website. 

I taught after 180 days they will release my money but rather they took it and now my balance is zero. They insisting that i made a violation in their policy, i ask them what specific violation i made but they didn't provide. Is this fair for them just to took the money of others like me. How many more individual they are doing this. I think this paypal should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NQM Funding, LLC
State: MO

Complaint narrative:
I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to XXXX XXXX ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; XXXX XXXX XXXX number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " NP INC '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: WV

Complaint narrative:
I called to let Transunion there was a address wrong on my credit report.

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 2022-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
I got an interest-only mortgage through XXXX XXXX XXXXXXXX for {$100000.00} for my property at XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX. The property did not have a mortgage on it at that time. They also had me put my property located at XXXX XXXX XXXX XXXX up for collateral. The loan was supposed to be used to rehab the building. {$55000.00} of the loan went towards fees, taxes, insurance, and the water bill. I received about {$10000.00} at closing. They held {$40000.00} and was supposed to give it to me as I worked on the completion of the rehab. It was my understanding that I would get four {$10000.00} draws before XX/XX/XXXX, because that was when the payments of {$1100.00} per month would start. 
I received the first two draws of {$10000.00} but they started refusing to give me my money. It took a few weeks to receive {$5000.00} more. They wont give me anything now, but they take {$1100.00} per month directly from my checking account. This has caused so many problems for me. They are making it nearly impossible to complete the rehab and pay the loan back.

Based on their inspectors, who conducted four inspections, at {$120.00} per inspection, I have completed 99.79 % of the items listed in the Statement of Work. They want me to rewrite the Statement of Work now.

They took money from my checking account on the following dates : XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1100.00}

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 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app debit card was access by a scammer for {$1200.00} dollars on XX/XX/2022 cash app. Said they would look into they was aware of their system was compromised and they completely ignored my complaint they never contacted me as they said they would after investigating ( i stop payment ... reported scam 5 minutes soon as i seen a lower balance they was rude. And carless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2022-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Following up on CFPD complaint # XXXX. Synchronys activity since the filing of that complaint has been even more problematic. 

They took the arbitrary number of {$1700.00} off of the balance. That leaves the new number at {$6800.00}. I purchased the {$9500.00} 24-month no-interest installment plan on 1/25/2021, therefore now that were over half-way through those 24 months, the balance is supposed to be below {$4700.00} at this point, not above. 

The company said in their response Further, your Card Security was canceled on XX/XX/XXXX. Clearly not the case. Look on the first page of the attached PDF : They charged for Card Security on XX/XX/XXXX. With the same phone number that this page https : XXXX revealed is a scam based in XXXX issue Synchrony neglected to address the first time I reported it. 
The Account Details ( page 4 of attached PDF ) has two red flags : Total Fees Charged YTD - $ XXXX have I ever done that warranted even a penny in fees, let alone 15 % of the loan amount? Total Interest Charged YTD - $ XXXX entered into an explicitly interest-free loan. 

Before submitting my previous complaint to CFPD, I notified XXXX XXXX about my concerns. After the CFPD complaint was submitted, XXXX XXXX investigation concluded that Synchrony is a scamsee page 7 of attached PDF. This is not to be taken lightly by the CFPD. XXXX XXXX protected my safety by issuing a stop payment. I told Synchrony the fact that XXXX XXXX will not allow me to transfer money to them after the conclusion of the investigation, therefore Synchrony needs to communicate with XXXX XXXX about it and not with me. Despite being informed of this, XXXX has harassed me with a constant stream of phone calls, emails, and paper letters. Not just coming from one place, but some from XXXX UT, some from XXXX TX, some from XXXX FL, some from XXXX XXXX FL, some from XXXX CT, and some from XXXX PA, despite this page https : //www.bankbranchlocator.com/synchrony-bank/ stating The bank does not have any offices outside Utah. Appears that theyve put debt collectors on the case to intimidate me, despite having informed them that this is out of my control. They also lowered my credit line right after I filed a complaint with CFPD, presumably as retaliation.

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 monetary relief
Consumer complaint received 2022-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

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 2022-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Regional Management Corporation
State: OK

Complaint narrative:
Cant afford to pay loan back loan was supposed to help for bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I been disputing wrong personal information on my credit report there's alots off different names all misspelled my address show 's up incorrect there alot misinformation about my self accounts and for months I been trying to get it fix I been turn down because off my credit report.experian, 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 2022-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi. Please help me on this as I can not access my online account for over a month now. Even the " forget password '' option doesn't work as the phone number that appears where to send the one-time code is not mine and US Bank have not done any steps to correct it despite my claims due to fraudulent activities. On XX/XX/XXXX or XXXX - I received a text from US BANK that my mobile # has been changed and then followed by a XXXX transfer of {$500.00}. I immediately called US Bank about the fraudulent activity and informed them that I have not changed my phone number, I was shocked and can't believe what was happening. US BANK advised to lock my checking account and credit card to avoid any further fraud transactions. It also means I won't be able to access my online account until I everything has been cleared. I was told to visit one of the USBANK locations to get a new card # and get further help to resolve all issues. Once at the bank, i informed the banker about the fraudulent activity and told her to remove the unknown phone number, there should be only my phone number on the account. Record has been updated except for the online account as I was told to call them again. Following, upon checking my online account still i can not log-in. Even the forget password option still doesn't work. Once again, i called online banking service and fraud department to help me, i was on the phone for more than an hour, have been transferred multiple times and was asked same details name, address, date of birth and ssn multiple times but still they were not able to help me. Worst to know that someone's phone number is still on my account. i am not receiving any text nor any alert, hackers out there is getting it! i thought the fraud phone number has been removed! Didn't I already informed them about it? on the phone and by visiting one of their location a month ago! I was informed tonight that they will issue a claim to remove the number and it will take 3-5 business days! Haven't they taken any steps to correct it? I've been with them for more than 10 years. I felt so disappointed as they have not done enough to resolve this issue and the stress it has given us. it's time to end it and move to a reliable bank. Thank you for your help in advance and any help big or small is greatly appreciated.

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 2022-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc
State: FL

Complaint narrative:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A CFPB COMPLAINT AGAINST TRANSUNION, REGARDING THE UN-AUTHORIZED REPORTING OF TRANSACTIONS AND EXPERIENCES ON MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, AND WITHOUT MY EXPRESSED WRITTEN CONSENT. I UPLOADED A COPY OF MY FTC I.D . THEFT REPORT AND ATTACHED IT TO MY CFPB COMPLAINT. I REQUESTED THAT TRANSUNION REMOVE AND DELETE WITHIN 4 DAYS OR PAY ME {$1000.00} PER MINUTE FOR THE FRAUDULENT INFORMATION THAT HAS BEEN POSTED ON MY CREDIT REPORT PER 15 USC 1681C-2 ( A ). TRANSUNION FAILED TO REMOVE AND DELETE AS I REQUESTED. I RECEIVED AN IDENTITY THEFT-RELATED REQUEST LETTER DATED XX/XX/2021 FROM TRANSUNION DECLINING TO BLOCK THE INFORMATION THAT I REQUESTED ACCORDING TO 15 USC 1681C-2 ( A ). TRANSUNION DETERMINED THAT MY REQUEST HAS EITHER A ) BEEN MADE IN ERROR ; B ) IS A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND/OR C ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE. IN RESPONSE TO TRANSUNIONS REASONS TO DECLINE THE BLOCK OF MY INFORMATION A ) MY REQUEST WAS NOT MADE IN ERROR ; B ) THERE WAS NOT A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST ; C ) IF I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE, THEN PLEASE HAVE A SENIOR EXECUTIVE FROM YOUR COMPANY CERTIFY UNDER PENALTY AND PERJURY THAT I RECEIVED GOODS, SERVICES, OR MONEY. TRANSUNION HAS FAILED TO PROVIDE A SPECIFIC REASON TO DECLINE MY REQUEST. TRANSUNION HAS ALSO FAILED TO PROVIDE ANY PROOF OR RELEVANT DOCUMENTARY EVIDENCE OF THIS DECISION. TRANSUNION OPENED A RE-INVESTIGATION OF THE DISPUTED INFORMATION BUT HAS FAILED TO PROVIDE DOCUMENTARY EVIDENCE OF THE INVESTIGATIVE CONSUMER REPORT OBTAINED VERIFIED BY THE NAME OF A MAN AND/OR WOMAN THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES. TRANSUNION FRAUDULENTLY PLACED AN EXTENDED FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT AND DIRECT REQUEST, OR ON MY BEHALF PER 15 USC 1681C-1 ( 2 ) ( B ) ( 1 ). TRANSUNION IS ALSO IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY CONTINUING TO FRAUDENTLY REPORT INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES THAT ARE SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT THAT I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT TO. THIS HAS CAUSED DAMAGES, AND INJURIES TO MY NAME, REPUTATION, CHARACTER, AND CREDIT CAPACITY. I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I sent a certified letter for verification, and it was sent back to me as insufficient address.

Company response to consumer: Closed with explanation