vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Dispute was denied. Account is not mine.

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 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/22 I received a call from my US Bank stating that there was a {$5.00} ( estimated ) charge on my debit card that had been flagged as fraudulent. This was caught by their fraud team and they were sending me a new card. I thanked them and went about my day. About 2 hours later I received a text message from a number claiming to be a US Bank Fraud Alert asking if I had authorized charges to my debit card ending in XXXX ( my actual card number from the previous fraudulent transaction ) in the amount of {$19.00} to XXXX and a pending charge of {$3500.00} dollars to XXXX. The text stated to reply YES or NO. I replied NO. I then got an automated reply that I would be receiving a call shortly. I received a call a few minutes later from XXXX ( which is the official US Bank customer service number on the back of my debit card ). The individual stated that he was a fraud department member and needed to help me with the fraud charges. Since I had already received the call earlier I did not question the validity of this claim right away. He proceeded to walk me through how to reverse the XXXX charge that was pending for {$3500.00}. He told me to send the money via XXXX in the US Bank app to XXXX XXXX which is my name and to the email address XXXX. He said that using my own name would ensure the money went back to my own account. I was not heightened to the verification questions since this email address contained US bank and the name was my own. Once I sent the money he told me a confirmation number and hung up the phone. I filed a fraud claim immediately with US Bank and am told that the funds will likely not be recovered because I have authorized the payment. However, I have also been told by US Bank that this is a frequent call they are receiving. I have asked why they have not sent a notice to their customers and was told that they have sent them via email. I then asked if they could confirm if I have been sent this email and they told me that I have NOT been sent this notice.

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 2022-03-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX and XXXX XXXX had a reverse mortgage owned by PHH Mortgage. 
They are both deceased. PHH is authorized to provide information to daughter XXXX XXXX. 

PHH purchased hazard insurance policies for {$1300.00} each on XX/XX/XXXX and XX/XX/XXXX and charged those amounts in addition to outstanding principal and interest etc. 

A hail storm damaged the roof and the big Texas freeze busted pipes. 

The reverse mortgage has since been paid in full. This payment in full includes nearly {$16000.00} of additional charges have such as the hazard insurance reimbursements. 

When we requested they provide us with the carrier name and policy number of the insurance that we purchased so we could file a claim, they refused to provide the information. We submitted signed authorizations both via fax and email signed by XXXX XXXX. We offered to include her on the call to confirm her authorization. 

Every call they used a tactic called rope-a-dope to wear us down. Dozens of operators took turns asking us the same verification questions before failing to provide any information and bouncing us to the next operator who does the same thing. 

I believe PHH is using a related company to sell the insurance and is actively using these tactics and strategies to prevent claims from getting through. 

I have seen news reports of CFPB investigating and punishing PHH Mortgage for insurance related kickbacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: FL

Complaint narrative:
I never lived at this address : XXXX XXXX XXXX # XXXX XXXX, FL XXXX I tried to remove the address from my report but the company refused to remove the incorrect information.

15 usc 1681i

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2021 I sent notice to Wells Fargo that I was disputing a transaction on my most recent credit card statement The charge was unauthorized and was for {$150.00} on XX/XX/2021 I recived notice on XX/XX/2021 that Wells Fargo started to investigate the notice and that it would be resolved within 60 days. 

It has now since been 99 days, well past the 60-days Wells Fargo 's policies dictate to resolve these disputes and past the 90-days the Fair Credit Billing Act allows for the creditor ( Wells Fargo ) to resolve said dispute.

I have attempted multiple levels of escalation with Wells Fargo call centers, social media support team and executive customer service, all efforts have failed to remedy the issue.

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 2022-03-18 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
1. On XX/XX/2022 I received an email from Barclays ( XXXX XXXX XXXX XXXX ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called Barclay again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called XXXX. They also said I should go ahead and file a dispute with FCRA.

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 2022-03-18 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: OH

Complaint narrative:
I received a payment refund into my PayPal account on XX/XX/XXXX, attempted to transfer the funds out of Paypal into my external/transactional bank account on XXXX, and received email notice from PayPal on XXXX that the transaction could not go through. On XX/XX/XXXX I messaged with PayPal online to inquire about the issue and the agent advised they would reinitiate the account transfer but I would need to confirm initial deposits in my external account. On XX/XX/XXXX I received notice that the transfers could not be processed. On XX/XX/XXXX I messaged online again requesting a check be sent because I am unable to process a transfer through the account o nline but was told they were unable to send a check. I asked to speak with a manager and they gave me the customer service line. The same day I called customer service and spoke with XXXX who gave me other instructions to withdraw funds from XXXX, however the instructions provided did not work either. I requested to file a dispute and was told they do not have a dispute process. I was told the issue is that I must provide my social security number online in order to set up the account securely, which I am unwilling to do. And because the other options provided did not work, and there are no alternate processes ( ie to send a check to the name and address on account file ), there is no way to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: CA

Complaint narrative:
General Revenue Corporation is collecting a debt from XXXX XXXX University which I attended college there. I dropped the class already and did not attend the class ; however, the company is still trying to set me up on collecting the debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: TX

Complaint narrative:
In XXXX, I spoke with Direct Loans to make satisfactory payment arrangements or to go on a payment plan that I could afford. The representative steered me toward forbearance rather than allowing me to make smaller payments or to be placed on a payment plan that I was qualified for due to my income. 
I remained in forbearance until XXXX when I started taking graduate classes. I called Direct Loans again and wanted to make smaller payments to at least cover the interest and asked to not be placed on in-school deferment but was told that I was required to be classified as such since I received a student loan. 
I have recently learned that the practice of steering customers toward forbearance was for the benefit of the corporation and not to help the borrower. Had Direct Loans offered me the payment plan that I was qualified for, I would have been able to make the payments and have those years qualify toward my XXXX XXXX XXXX XXXX program and would be out of debt today.I now have all of my loans consolidated and moved to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022 I made a hotel reservation using my points with this Chase Southwest Rewards cc. The cancellation fee of {$35.00} was hidden and could only be seen if you clicked into a blurry hidden " i '' icon. This does make the hotel reservation fully cancellable by XXXX XXXX, 2022 XXXX XXXX. I only saw the {$35.00} fee in an email that was then stated clearly. It should have been stated clearly on the booking website. I had to cancel the hotel bc I booked the wrong hotel given XXXX has several hotels in the same 2 mile radius.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a US Bank XXXXXXXX XXXX card on XX/XX/2022. In less than a month US Bank closed my account without letting me know in advance or giving any explanation. I figured out the card is closed after multiple payments did not go through. I called US Bank customer service multiple times and one of the representatives finally told me that " I'm a risky customer '' and that's why they closed the account. I asked if they can reopen the account, representative said " in theory yes we can reopen the account, but are we going to reopen it? No, we will not! '' Note that, this closure has nothing to do with nonpayment as my first bill 's due date is at the beginning of XX/XX/2022. No other explanation is given. This is an extremely unprofessional way to conduct a business, an individual 's risk profile can not change in less than a month. I had no significant changes in my credit score etc.

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 2022-03-18 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: MD

Complaint narrative:
I have been calling extensively trying to remove a fraudulent collection account from my Equifax credit report for the past 50 days. FCRA law states that the credit reporting agencies have up to 30 days ( at most, 45 ) to respond to any information, correct or incorrect, that is submitted to them. 

The account in question is from an agency known as XXXX XXXX XXXX. XXXX XXXX XXXX has already confirmed that the debt does NOT belong to me, and therefore must be removed from my credit reports. After speaking with the company on the phone, they informed me that they formally submitted this removal request on their behalf, back on XX/XX/2022. 

Both XXXX and XXXX have each been prompt in removing the account within 15 days... however, nearly 50 days later, Equifax still has yet to remove the account in question, and I have frankly reached the end of my patience on this matter. 

The fraudulent account information is as follows, and is also attached in the documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00}

Company response to consumer: Closed with explanation