vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by XXXX XXXX, XXXX, and Equifax as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All nine hard credit reporting by the three bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX  XXXX XXXX, XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law.

4. XXXX  credit balance paid in full with no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by XXXX XXXX, Experian, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All nine hard credit reporting by the three bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX  XXXX XXXX, XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law.

4. XXXX  credit balance paid in full with no balance.

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 2022-05-16 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: OK

Complaint narrative:
I have tried SEVEARL times getting this FTC report to Transunion, XXXX and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them 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 non-monetary relief
Consumer complaint received 2022-05-16 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: OK

Complaint narrative:
I have tried SEVEARL times getting this FTC report to XXXX, Equifax and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: VA

Complaint narrative:
My PayPal account XXXX Has been permanently limited by PayPal.. 
I have XXXX $ on it I want to withdraw my fund but PayPal says I have to wait until 180 days ... my money is very important to me so I want to use my fund and also I want to use my PayPal account. 
Please do the best for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I saw a credit file added to my credit report with a late payment. Upon further investigation, I had discovered that my identity was stolen. 

A bank account at XXXX XXXX was opened in my name ( Which I was able to close and remove from my credit ), and a loan was taken out from Upgrade , Inc in my name. The loan was deposited into a bank account I hold ( which I have since changed the information on ) and subsequently the creditor was unable to get payments out of this account. 

I reached out to the company ( Upgrade financial XXXX ) and filed a case for Identity theft ( XXXX ). They have since disregarded all calls for proof of the information furnished to initiate the loan, and are continuing to report this on my credit. 

I have filed all FTC paperwork, affadivit, police report, and statement along with the required information and they still refuse to remove this from my credit. I have filed with all three bureaus in writing and they removed the debt. Thirty days later, they reinstated the debt citing that Upgrade has provided proof.

My requests for proof have gone unanswered and they are not responding to my phone calls.

I was advised through a consultation with an attorney to file a complaint with you.

I will be following up with a certified letter citing all the facts of this to Upgrade and requesting the data they are using to " Certify '' this debt as mine be furnished to me under the rights afforded to me by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Due to covid 19 I was behind on my mortgage payments. I was bullied into a repayment plan by mortgage servicer. I gave them a XXXX payment on XX/XX/21 I was supposed to pay XXXX for 12 months. I made XXXX payments and then could not afford to pay any more. The mortgage company knew that my income could not afford those payments yet still I signed it in fear of losing my home. This stress has made me very sick.I am hoping that my mortgage company would give me back my XXXX down payment and offer me a modification that i can afford and also reduce my principal mortgage and take off all the interest that they charged me.I want to keep my home so any help would be greatly appreciated.Sincerly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I notified XXXX XXXX XXXX XXXX of inaccurate information of bankruptcy on my credit report. XXXX claims information is pulled from transunion and duplicated into their internal member credit reporting account portal. The XXXX portal provided a bankruptcy filing date of XX/XX/2022 with a status of being XXXX as XX/XX/2022. O notified XXXX that this information was inaccurate and obviously impossible understanding the legal time frame for bankruptcy court proceedings. In addition, I requested an administrative review in order to assess if such was a technical error that could be fixed electronically. XXXX maintained I should dispute the information with TransUnion directly. I continue TransUnion later the same day XX/XX/2022. TransUnion advised to directly dispute this information with XXXX. 
I applied for a personal loan on XX/XX/2022 with XXXX which was denied as a result of derogatory, inaccurate reporting. This misinformation has caused a adverse impact on my daily living capacity and caused further harm to credit profile

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 2022-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things to my credit report. To this day over 30 days later I have not received a response yet. I feel I am being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress it has caused me. The credit bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX 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 2022-05-16 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
PayPal credit has any purchase over {$99.00} put into a 0 % for XXXX  months. However, I have made a purchase then return it and once PayPal receives the merchant credit, they are not applying it to the original purchase. This could cause me to pay more in interest even thought the item was returned. Example a purchase of {$160.00} was made it is 0 % till XX/XX/XXXX. I return the item. Merchant refunds {$150.00} They do not apply merchant credit to that purchase they apply it to a purchase that 0 % expires in XXXX. Even though they are completely different merchants. This is one of example of four complaints I currently have made with PayPal. They could be doing this to many people and they might not realize it and in turn could be paying interest charges they might not really owe.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
Made loan application to GM Financial XX/XX/XXXX. XXXX received XX/XX/XXXX stating loan couldn't be approved " based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. '' Sent letter XX/XX/XXXX " requesting disclosure of this information under terms of the Fair Credit Reporting Act. '' XX/XX/XXXX, XXXX PST-phone call to GM Financial ; XXXX unable to take call due to high call volume. '' Called back @ XXXX ; on hold until XXXX ; XXXX transfers me to Funding Dept-GM Financial Americredit ; XXXX transfers me to Customer Service; I was instructed to contact dealership for my requested information. I decided to give GM Financial time to respond to my written request before proceeding. 

XX/XX/XXXX XXXX PDT-called GM Financial @ XXXX, the number on the original letter. XXXX transferred me to credit department ; I was on hold for four minutes, then got a busy signal ; called back at XXXX ; XXXX pm-agent tells me I must go through dealership. 

XXXXonline chat with XXXX XXXX, XXXX XXXX ; XXXX took my information XXXX promised call back from dealership ; XXXX from Sales called me, I explained the nature of my business, he transferred me to the Finance Department ; I got the voicemail of XXXX XXXX, I requested a call back , got no response. 

XXXX email to XXXX XXXX explaining my situation and XXXXequesting information-did not receive a response. 

XXXXsubmitted a complaint online at the GM Financial website. Their response on XX/XX/XXXX by email : Unfortunately, because we are an indirect lender, we are not able to discuss loan applications directly with customers. If the dealership is not able to provide you with any specific information about the reason for denial, you will receive a letter from GM Financial confirming that we were not able to approve a loan. That letter will contain instructions for obtaining the specific reasons for denial. '' XXXXSubmitted a second letter to GM Financial requesting a response forthwith to my request. I have not heard from them as of this writing. 

I am beyond frustrated with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We were told during the automatic payment process that the only way to have my bi monthly payments applied to the loan was to set up bi monthly automatic payments. However, the company just holds the first payment until the second payment comes in.

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 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect contacted me on the phone XX/XX/XXXX and told me I had a debt from a lease. I told them that I was the victim of Identity Theft and to check my credit report where I had reported it in XX/XX/XXXX previously. They told me to prove it and pay my debt and then reported me to the credit bureaus two days later as being in default. I contacted them after that and explained the situation again- they lied to me on the phone and told me they had sent me written notification on how to dispute the bill, when they had not, they also told me that it could not be IDTheft because the person submitting the lease had used all of my correct information. I spoke to the landlord and this was false they used incorrect information and different information from what Procollect told me. Procollect has been informed by phone, in writing by email, and in writing by the form on their web site this is IDTheft and they refuse to take it off or provide me with any information with which to dispute their claims. They also refuse to talk to the police and cooperate with them.

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 2022-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive a not reasonable letter from Bank of America claim dept that stated my claim # XXXX was not approved on XX/XX/2022. 

In fact I did not make any claim. My credit card ending XXXX was losing, and someone used it. I evenly did not know the charge. 
Then I did not get any mail of my bill too. I found the charge after a few months, when credit card noticed me that I did not pay. Since I always paid before due date. -- -- -- -- -- - This is not my charge, but a losing/stolen card charge, so I called credit card losing/stolen dept and noticed them, You replaced my card. You also told me that you would NOT charge me for this false charge {$47.00}. 

In fact I lost some cards and others ( but I did not notice early for my losing bank of America card, since I did not use it for a while. After I knew, I called you at once. 

The letter on XX/XX/2022 was not making any sense. 

It said the monthly account statements have sent to me ( But I did not receive it, otherwise I will call early ). 

It also said '' we conformed the charge ( s ), the chip was read, your PIN was entered and or you signed ... '' This is also odd. 1. I never used PIN for my any credit card at all.

2. Chip was used, of course, the person who got the card and stolen money will use the chip 3. If any signature, that is false, please mail me the copy of the signature, I will check. 

I called dispute dept, they said they will forward me to lost/stolen dept. 
I waited 1 hour and did not get it. 

In called XXXX number today, XXXX XXXX said the seller has credited me {$47.00} on XX/XX/2022, She said I got two credits one from bank of America and one back the seller. She said XX/XX/2022 letter due to two credits, so I need charge one back. 
However I check my online statement there is no any credit from any seller on XX/XX/2022. But there is only one credit XX/XX/XXXX. 

The card charged me twice for {$47.00} losing /stolen charge. 
The one credit tool off one, but can not take off the second {$47.00}. 

Please check and resolve it. 


Please credit me the charge back ASSP. It is a stolen/lost card charge.

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had XXXX lines on my account. XXXX mailed out XXXX cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be XXXX of XXXX days before I could try a new XXXX card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another XXXX. 

A few days later I received a bill from XXXX for {$670.00} for less than XXXX of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a non-working product and horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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