vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX  Docket # : XXXX n accordance with the Fair Credit Reporting act 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 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have tried to resolve this several times and to no avail they will not comply. I switched my account to XXXX XXXX XXXX and I paid my final bill and XXXX stated that I was still being charged a service plan because of the device being under contract. I showed them where all devices and final bill had been paid. They then replied that I owed {$400.00} and I sent a payment to them and I called the next week because the debt that I did not owe had been sold. I immediately contacted the company that the bill was sold to and sent them all that information. I have requested that they show that I have or ever had any contractual obligations to do business with them and they have yet to provide said information. I am enlisting your support to get said company to comply with the law and remove this from my credit report because they have failed to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: MN

Complaint narrative:
When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple hard inquiries without my consent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
COURT OF COMMON PLEAS XXXX XXXXXXXX Has reported to the credit bureau that I owe in arrears but have no proof that I took a loan out with the agency. Any negative item that is shown on my credit report is in a form of a loan. I didnt not take a loan out with this child support agency.

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 2022-08-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  inquirers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and account # XXXX have 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.

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 2022-08-13 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX, I made a purchase for immediate delivery for a total of {$1000.00} invoice XXXX. The items were not delivered for unknown reasons, but the app reflected a delivered status. I immediately filed a complaint with Goldman Sachs and the XXXX XXXX that same day. The next day, XXXX  immediately cancel the order on XX/XX/XXXX transaction # XXXX. As of today, I have only received a refund for the taxes in the amount of {$56.00} and the delivery fee of {$9.00}. I have called and disputed the transactions and partial refund with the merchant and credit card company. They both continue to pass the blame the other and hold these cancelled transactions against my account. The merchant states the cancellation processed and Goldman continues to state the transaction was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I submitted a signed and notarized Loan Modification agreement with XXXX on Monday, XX/XX/XXXX at 3.125 % interest rate on a 30-year fixed FHA loan XXXX I made a full initial payment on XX/XX/XXXX. This was the first due date of my new loan. Then XXXX said they did not submit the correct paperwork to New York State for my loan modification, therefore I would have to sign and notarize another loan modification, but now at a 4.25 % interest rate since the Federal Reserve had been increasing interest rates between XXXX and XXXX. I now pay {$120.00} more each month due to no fault of my own which is {$43000.00} ( = 30 years * XXXX mos/yr * {$120.00} ) more I have to pay now over the next 30 years. On XX/XX/XXXX XXXX acknowledged that they received my 2nd set of signed and notarized documents for my Loan Modification and that it would take 30 calendar days for my account to reflect these changes. My account has still not been updated. Since they are dragging their feet to update my account, I can not make ACH automatic monthly withdrawals to pay my loan. I have had to call them each month since XXXX, my initial payment on my 2nd loan modification, to make a payment over the phone. I have called them countless times this year to speak them. Each time they assure me someone from XXXX will email me or call me to address these issues within XXXX business days. No one ever contacts me back. The whole reason I have had to do a loan modification is because I suspended my mortgage payments during the pandemic because I was laid off due to no fault of my own.

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 2022-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I was scammed by a girl online asking me if I wanted to trade Bitcoin futures on XXXX. She instructed me on how to invest as well as manipulated me into continuing to invest even after I had given my funds away and not made a single profit. I even took out a loan in order to continue the process. After I had invested all of my savings she ceased all forms of communication with me. I transferred money from my Crypto.com account to the scam company. I lost : XXXX XXXX I was in a tough position since I did not have any experience in investing but I thought I should give it a try since I was in need of a profit. The scammers were highly cunning and manipulative and convinced me to invest and assured me that it was impossible to not make a profit. I had not made XXXX XXXX from those investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXX-discharged Reference number : 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 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and my credit card was charged my insurance deductible max ( $ XXXX ) ( Attached ). I was XXXX and paid all bills received. In XX/XX/XXXX, I was actually credited back $ XXXX of that original $ XXXX because it actually went over my insurance max. Never received a bill from XXXX XXXX XXXX and had no outstanding debt and had many follow-up visits and was never told I still owed money and they would have let me know if I still owed money. 

All the sudden, a year later, in XXXX of XXXX I receive a notice from ARS that I have a collection notice for {$670.00} dollars from XXXX XXXX XXXX for my XXXX XXXXisit on XX/XX/XXXX. Again I never received a bill from them, just a collection notice from XXXX a year later. I disputed the collection with ARS ( and have to receive a response from them 6 months later ), because that should have been part of the payment I made when I went into thXXXX XXXX as I received no other bill or insurance notice for it. But it is now appearing on my credit reports and has significantly affected my credit score as I have never had a late payment or collection before. 

I reached out to XXXX  XXXX XXXX through the XXXX  ( attached ) and they said they would remove it from my credit report, but it has now been 3 months and it is still showing on my credit report. I also filed a complaint with XXXX to get it removed from my credit report based on the XXXX  result, but they are saying they can't remove it. In addition the original response from XXXX  XXXX XXXX said I owed the money because my deductible had not been met, but they maxed out my deductible on my credit card the night I went into the XXXX XXXX $ XXXX ) so I don't see how my deductible was all the sudden not met. So I don't think it is a valid debt, I never received a bill for the amount supposedly owed, it still doesn't show up as being owed when I go to follow-up appointments, and they agreed to drop it and remove it from my credit report which has not been done. So I would like the debt collection stopped and removed from 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 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022 I electronically deposited a check for {$3700.00} into my checking account. The bank stated that the funds would be available on the XX/XX/2022. On XX/XX/2022 Chase put the checking account in restricted status. The check was made out the my wife, however, the check has my name on it as well. Instead of me signing my wife 's name first I signed mine name. The transaction was flagged and considered to be fraudulent. I spoke to a customer representative in the restrictions department and they explained to me that the check needs to be verified in order for the funds to be released to the account. Meanwhile, Chase cashed the check and is holding the funds. My wife and I both went to our local branch to further handle this situation to verify ourselves and that the check is issued to use and the bank still refused to released the funds to us. They told us that the account will be closed due to the correct verification measures. On XX/XX/2022, my wife and I went to another branch and spoke to a branch manager about this situation. She stated that the old account is closed and offered to open a new checking account. She also stated that chase would direct the funds of {$3700.00} would be transferred to the new account within 4-5 business days. We still have not received the funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX Reference number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : 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 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DLC, LLC
State: NV

Complaint narrative:
Dollar Loan Center Rep " XXXX '' at he XXXX NV location at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX - phone # ( XXXX ) XXXX mis-represented Dollar Loan Center Company Policy by telling me that I had to pay an " upfront '' fee ( the interest due on my current Loan ) BEFORE she would submit my Application for a New Loan. 

This s NOT Company Policy and is NOT required before Submitting an Application for a New Loan. This violation of Company Policy was verified by several other Reps at Dollar Loan Center and also by Regional Manager " XXXX '' at the Dollar Loan Center Corporate Office - phone # ( XXXX ) XXXX. 

This fee was paid on XX/XX/2022 before the New Loan Application was submitted as I was told that I had to due by Dollar Loan Center Rep " XXXX ''. 

She ( XXXX XXXX told me that she thought that My New Loan Application and chance for Approval looked " good ''. 

She ( XXXX XXXX told me that if the Application was Not Approved that I would receive this " upfront '' fee back within 5 ( Five ) days - another Misrepresentaion by her. 

The New Loan did NOT get Approved. 

As of Today - XX/XX/2022 - I have STILL NOT received these funds back to my account that I used to pay this " upfront '' fee. ( As of Today XX/XX/2022 ) is now at 8 ( Eight ) Days from the date that I paid it and NOW that tell me that it can take up to two weeks from the day that I paid this fee to receive the funds back in my account. 

THIS IS A TOTAL MISREPRESENTATION by DOLLA LOAN CENTER REP " XXXX ''. 

I am a XXXX XXXX XXXX XXXX, and feel that this entire Loan Application was not only misrepresentation by her but because of my age this is also XXXX XXXX 

I want her ( " XXXX '' ) and DOLLAR LOAN CENTER held Accountable for this and the Financial Distress that this has caused me. 

DOLLAR LOAN CENTER records ALL calls and ALL of this can be verified by DOLLAR LOAN CENTERS own recordings of the calls between me an there Rep " XXXX ''. 

THIS IS XXXX XXXX  at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Its 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 explanation
Consumer complaint received 2022-08-13 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: PA

Complaint narrative:
Attempting to close Paypal account. Told one of the reasons it couldn't be closed was a " credit '' on the account. Credit was not requested by me nor accepted [ account showed button to " accept '' it which I did not ]. I specifically told Paypal to get rid of the credit and that it was NOT allowed to donate it- Paypal is not gong to create a tax break for itself through whatever game this is. When I logged in the next day it was shown as donated.Paypal does not get to manage MY account as it chooses, in direct defiance of my management. Paypal refuses to do anything to fix this other than put the credit back on my account which then means I can't close the account because there is no other way to get rid of it because I won't link my bank account for it to be transferred because I'm closing my account because I don't want Paypal to have any of my information and Paypal refuses to apply it to the Paypal credit balance which should have had its own credit but they XXXX  me on that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TX

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is inaccurate. I was never late paying my debt. Correct this wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: MN

Complaint narrative:
This all occurred in XXXX 2022. I was a victim of identity fraud and have been trying to dispute information on my credit report with Experian, including a fraudulent bank account and personal address. I went through the correct process to dispute the information, and recently received my results. Experian correctly removed the bank account from my credit report, however did not remove the fraudulent address. This continues to put me at risk as someone would be able to leverage that address to open other accounts. There were several instances with Experian where I tried to login to my Experian account to re-dispute the claim, and each team the site told me my password was incorrect. I would change my password through their standard procedures, try to login again, and it would tell me my password was incorrect. I even tried setting my password as the same password I had previously used, and the system told me I could not use a password I had used before, which had previously told me the password is incorrect. I have tried several times to get on the phone with a live person to fix the issue to no avail. Their systems are incompetent and there is no way to rectify the issues by talking with a live person.

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 2022-08-13 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
Advertising for what you want then you pay then you find different charges on your card that was not authorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is inaccurate. I was never late paying my debt. Correct this wrong 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 non-monetary relief