vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
My issue with date back on XXXX XXXX, 2021 when I found my card had gotten hacked and fraudulent activities had happened with a total amount {$4400.00} stolen from account. I filed a dispute the first time and they denied and the second I filed even with a police report stating that fraudulent activities happened to my card plus giving example of time frames I live and where the transaction where happening are two hours and thirty minutes away. Theres no way I could have been there and within the three minutes apart with using my card and have done that. I also have documents stating that I can not leave the county or state and these activities happened outside my county and state. They still are denying me still to these date and they can not reveal to me what the issue of why. Ive been patient and some supervisors have given me false information as if they were poorly trained. It doesnt look good!

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 2022-04-13 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my Rights 15 U.S.C section 602 A States I have a 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 2022-04-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for a care credit account, and they approved me for XXXX dollars I never used it because of the pandemic know they I do not know who took the money out and they can not tell me who took it, I was supposed to use it for XXXX XXXXXXXX in XXXX. Can you please help me find out who took the money. Please and thank you. 

I can be reached at XXXX or XXXX SS # XXXX DOB 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 monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
President- since paypal is a bank and falls under your jurisdiction I complaining that paypal refuses to give me my account routing numbers or account numbers or a paypal cash/debit card. now I cant set up direct deposit for XXXX for over a year if not two. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've submitted multiple certified letters to XXXX, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at XXXX that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send XXXX a letter they claim they never received it

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 2022-04-13 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: IL

Complaint narrative:
U.S.C. 1681b section 2 - XXXX XXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-13 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: IL

Complaint narrative:
U.S.C. 1681b section 2 - XXXX XXXXXXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid {$11000.00} from capital checking account to capital one credit card on XX/XX/2022. The payment was returned for unclear reason. However, only {$7000.00} came back to my checking account and {$4000.00} were missing. I have talked to both, the checking account and credit card team and nobody want to take the responsibility. I have spent a lot of time on the phone trying to solve this problem and the XXXX are still missing. I need help from an external institution, because the bank is not willing to help, their investigation is closed and I can't spend more time on the phone on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-04-13 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: FL

Complaint narrative:
FRCA Violation credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections 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 explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
FRCA Violation credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Southern Oregon Credit lied about trying to contact me and my husband by mail and phone. They also lied my husband said he'd pay them XXXX bucks in XX/XX/XXXX and hung up. That is not something my husband does. I got a small claims case against me and my husband last nite and this is the first me and my husband have heard of anyone trying to get ahold of us. They also had the qrong place to send mail so maybe thats where they sent stuff and dont want to admit they sent it to the wrong place. I called today XXXX first thing in the morning to negotiate some payment and They said we have 14 days to pay them almost double of what the medical bills are or we go to court and pay even more fees. They didn't even give me any way to dispute these medical bills as I know for a fact one of them billed our insurance wrong and the other I don't remember going to this place dated from XXXX. Not even a chance to make payments, I have payments with other bills and we make them. Was rude as they had someone come XXXX at XXXX at nite right during dinner time not to mention we just drive back 3 hours from a neurologist for my son. We just went thru a pandemic and everything has gone up so it's hard getting caught up, this place is not empathetic at all. They have a disregard for people struggling. They also have a disposition to call people liers and as a person of God it makes me sick. Not sure who needs to be contacted to clean up this places buisness running tactics and ethics but it sure needs to be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: PA

Complaint narrative:
Experian has included an alleged bankruptcy on my consumer report without oral or written consent or validation of the alleged item. I've written to the company numerous times regarding the methods of verification used to disclose this item. The company has yet to give a reasonable explanation for any of the information I've requested in a letter dating back to XX/XX/2021. 

The company has not only infringed upon my right to privacy but has caused a great deal of stress in my life. The action of the company also constitutes fraud.

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 2022-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, that was originally leased through XXXX XXXX leasing, later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. I have been registered at my address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX I have never been contacted in any way by XXXX XXXX  since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing. I mailed a demand letter which was received on XX/XX/XXXX an Im aware the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
Dear Equifax you are in Violation of Fair Credit Repair Act ( FCRA ) Remove the following account from this credit report immediately and I do not authorize any of these items to be reported once removed. 

1. XXXX XXXX Bank ( Remove this account due to inaccuracies with account type ) -This account status is being reported fraudulently. 
The original creditor has confirmed this account is in good stand and the status of this account is OPEN not closed. 

Please present methods of verification of this account directly with the original creditor. Please provide evidence of validity of the errors being reported. 


A complaint has been filed with the Attorney Generals Office of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX Loan # XXXX Re : Short Sale To Whom It May Concern : I know that XXXX XXXX  is the investor and not the servicer on this loan, but I am doing all that I can to expedite this matter as it is extremely time-sensitive. 
With all due respect, I urgently need the short sale approved so we can move to close escrow. It was just approved at XXXX good through XX/XX/2022. That buyer came down with XXXX and was hospitalized. I submitted the backup offer at XXXX. Your BPO expired and you did a new one and somehow increased the value by almost {$100000.00}. I have sent you a higher offer of XXXX and the net amount to SPS and the investor is now over 90 % of current BPO valuation. The buyers have paid a decent sum of money to extend their rate and lock it in. They have sold their house to buy this one. We are all waiting on SPS ( and XXXX XXXX ) and the short sale approval letter to move to close and they call me every day for an update, day after day. RESPECTFULLYwe just need the short sale approval letter so we can move to close and get this bad debt wiped off your books. The house needs {$300000.00} of work, mold remediation, and construction to make it livable. Despite current sales in the area, the last BPO is incorrect and the BPO prior to this one is exactly what this house is worth. THAT SAID, the buyers have agreed to raise their offer by {$25000.00} to {$970000.00}. SPS will not tell me what they need to net, which is such an imbecilic practice and makes the short sale process, which is already long and tedious, even longer with unneeded offers and counter-offers ; just tell me what you need! Even your own reps in the Ombudsman Dept and Short Sale Dept agree with me on this point. It makes no fiscal common sense to play the guessing game on what the investor needs to net in this market. PLEASE escalate this short sale file and please issue the short sale approval letter in the new buyers name so we can all move to close. The buyers have a ticking clock on their rate, are living out of suitcases, and I do not want to start over from square one on this short sale. Everyone is committed to closing, ASAP. The offer amount is above what is mandatedlets close! Your energy and attention to this matter are greatly appreciated! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello gd afternoon I am contacting you because I have tired to tell trans Union and XXXX that the information on my credit file is incorrect and is fraud they have yet to remove items I been trying for over 1 year XX/XX/2021 someone tired to use my name 5 times all in one day I never gave no one authorization to use my name or personal information can someone please help me

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 2022-04-13 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/2021 I purchased furniture from XXXX XXXX with one item a chair being a special order. I was told my order would take 4 to 6 weeks. On XX/XX/XXXX I received an update telling me that my order was delayed and it would be another XXXX weeks. On XX/XX/XXXX I received another update stating it was still going to be another XXXX  weeks. On XX/XX/XXXX I received yet another update telling me it would be XXXX  more weeks. Finally on XX/XX/XXXX after no additional calls or updates since XXXX, I emailed XXXX requesting they cancel my order and refund me my money. They told me that my order was in and I would be contacted. It was not in and I was not contacted. I was told later by the warehouse manager that the chair did not arrive until late XXXX. I filed a dispute with CitiBank in XXXX and today learned that my dispute was denied. I have NO product. Have since sold the house in XXXX that the furniture was going in. 

I did nothing wrong in this transaction. I paid in advance in good faith that a product would be delivered in the 4 to 6 weeks that I was told. After much patience and over 20 weeks of waiting I canceled my order. I should not be penalized and forced to pay for something that I no longer want, need or ever recieved.

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