vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I've had a PayPal Credit account for many years. Previously you have been able to use your account settings to choose how your payments were allocated ( ie. where the money was to be put towards first on your account ). This is important for when you have made special financing purchases ( purchases such as no interest if paid off in 12 months ). If the payments are simply put toward the overall balance then the special financing purchases may not be first to receive funds, thus allowing them to go past the date for their financing and adding substantial additional interest to a consumer 's account. I often used to change this when I made payments as I would put larger purchases on my PayPal credit with financing which allowed for payment over an extended period of time ( 6,12, 24 months ). When you went to the settings on PayPal 's site not only could you select which option you wanted on your account, but there was also an explanation of what each option meant to the financial future for your account. However, that seems to have changed. Recently, I made a special financing purchase, but noticed after making my monthly payment to PayPal credit that the amount due on this purchase didn't go down. I looked to find the settings which I have described for allocating payments and found they are no longer available on PayPal 's site. Frustrated by this, I contacted their support via live chat and discussed the matter with a representative who informed me that she would be happy to " adjust your payment today ''. I told her I didn't make a payment, but rather wanted to adjust the settings on my account so that payments were put toward the special financing first going forward. She then told me that this is no longer an option. That we to make a payment and then contact PayPal to have the money allocated how we want. This is a bit ridiculous! Something such as how our money is put toward out account should be easily determined with settings that consumers can manage. We should not have to take multiple steps to make sure that payments will be allocated in the best manner for our financial needs with EVERY payment. I have an accounting degree, so I am aware of something like this and asked the right questions to find out this information. However, other consumers may not, and will likely believe that they are paying off a special financing purchase only to be charged with a pile of interest.

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 2023-05-05 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:
To whom this may concern, In the year XXXX during the global pandemic there were 5 late payments published to my credit report. I sent in a Hardship letter to XXXX XXXX XXXX asking for my late payments from XXXX XXXX XXXX to be forgiven do to what I thought was the obvious as most of the world was not working and behind on obligations. I was not able to handle my obligations, however as soon as I was employed in XX/XX/2020 I quickly worked to diligently get back on track and handle all of my obligations as I have not had any late payments since then. I satisfied my obligations with XXXX XXXXXXXX XXXX  and they closed my account. I am a XXXX Veteran of the XXXX XXXX XXXXXXXX and I already have many other challenges on a daily basis with my body and mental health. This challenge I face here with these late payments on my credit report has hurt my ability to obtain credit and buy a home. I've asked for empathy and compassion to be given another chance to regain control of my life. Please and Thank You.

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Midland Credit Management claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Midland Credit Management, I DID NOT ASK for it nor are they privy to contract with me. Midland Credit Management has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Midland Credit Management only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Midland Credit Management, they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Midland Credit Management and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2019. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I made a deposit into my checking account on XX/XX/2023. I am a XXXX  and the check was issued by XXXX XXXX- a local title company in XXXX Oklahoma. 

It is very common and typical that I receive my paycheck directly from the title company. Chase told me there would be a hold on the funds until Tuesday XX/XX/2023. I accepted this and thought nothing more about it. 

Today, XX/XX/XXXX, I find out that Chase has placed a fraud hold on my account and that I have zero access to any funds in my checking account. They said that they did this because they can not confirm that the telephone number on the check is associated with the business name on the check who wrote the check. 

The funds have cleared and money released to Chase Bank Chase is holding the money hostage, indefinitely, waiting to confirm a telephone number. I have provided the business phone number. It is easily obtained by XXXX the Title company or by going to the company website or by looking at the face of the check. 

They tell me that I will not have access to these funds and that they will not give me back the check that I deposited. 

There is no remedy for me to have access to my paycheck. 

Chase bank has allowed deposits of other checks from this very same title company and readily granted access to those funds. 

XXXX XXXX has offered a copy of their phone bill - a copy of their business license and any other verification that Chases needs - but Chase has declined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
i am a natural person, i am a living human being, i have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous times. i demand the accounts listed below be remove because According to 15 USC 1681 : i have the to privacy and i did not give transunion written permission to furnished these accounts TRANSUNION ILLEGAL AND ADVERSE REPORTING ( 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. I attach my credit report of transunion adverse reporting with multiple names, addresses, hone numbers and employer. 

According to 15 USC 1681 : i have right to privacy and i did not give transunion written permission to furnish these account

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 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
The company is on my account taking money from my account from a card that supposedly is mine which is not the card I am speaking about was my virtual card but on my account its able to withdrawal my funds which is not possible because no know where on Earth you can withdraw funds with a virtual card this card was canceled almost 2 years ago and the same card it's still on my account withdrawing money they are changing documentation adding false documents changing statements adding transactions when I fill out a dispute is for the wrong amount and wrong transaction they are on my stocks they are in my XXXX wallet taking falsifying documentation transactions dividends etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My insurance company USAA has been overcharging me for auto insurance for nearly a year ( if not longer and I just wasn't aware ). Initially there was incorrect information on XXXX XXXX that I had removed, but that did not result in a lower premium as USAA stated that they could not change the premium in the middle of a billing cycle. When the billing cycle did change, my rates went up rather than down. I called several times and no one would give me a straight answer. One rep said it was because of late payment. My late payments were all made late because I was trying to dispute the amounts. And then they could not provide me a quantitative answer on how much late payments would affect my premiums. Another rep said it was because rates went up in Florida where my vehicles was insured but again no quantitative answer given. Another person said my rates went up because I had a claim in 2020 even though I was paying for accident forgiveness. The rep then claimed that USAA didn't count accident forgiveness for the claim in question. Lastly, I enrolled in USAA 's XXXX XXXX program where they monitor my driving habits through my cell phone. In XXXX I cancelled several insurance policies for vehicles I had insured in Oregon because I saw I was being overcharged. USAA stated that they cancelled my insurance ( untrue ) and then when I asked about my Florida policy again as to why the rates went up they stated that 1. I lost my multi-vehicle discount-which could not be true because the OR and FL policies were separate policies and 2. They stated that my SafePilot discount onlu applied to my OR policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
After multiple attempts to correct issues on my credit report with Experian, I am considering legal action against them. They have violated my rights in accordance with the Fair Credit Reporting Act by illegally verifying inaccurate information without providing proof and not performing a thorough investigation as the law requires.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AZ

Complaint narrative:
After I filed a claim about U.S.Bank did not pay welcome bonus even though my account was opened and funded by the XXXX XX/XX/2022, they responded to say that the promotion is targeted, attaching a pdf fine print including a " added disclosure '' just good enough to exempt them from paying bonus. I attached a current fine print they have on their website right now without that statement. I read the fine print before I applied on XXXX XX/XX/2022 and was sure that I did not see this statement, in the case it was written obviously and in a such whole separate line. I was convinced that this pdf file is edited recently with purpose. One more thing is that when I applied, I input all the information, if my profile does not match with your intended customer, the code should not be applicable, as all other targeted promotion have been processed. 
Last but not least, as U.S.Bank did not refuse my proof of opening date and is trying to play another game, I was convinced that U.S.Bank should recognize that my account opening date is on XXXX XX/XX/2022, not breaking the promtion deadline.

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 2023-05-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-05 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: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-05-05 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: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services
State: MI

Complaint narrative:
I RECENTLY TRIED TO RENT A CAR FROM XXXX I WAS TURNED DOWN DUE TO A COLLECTION I NEVER OWED. I EVEN WEN THE LOCATION WHERE THE CAR WAS RENTED AND THEY ALSO SAID THEY DONT KNOW WHO RENTED THE CAR. THE RENTAL AGREEMENT NUMBER IS XXXX CAN YOU PLEASE HAVE THIS MATTER INVESTIGATED PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
I've contacted self multiple times I can never get the fraud department on the phone to even begin to handle this claim. this is not my credit builder account I've never used my my credit until now. My wallet was stolen & i had multiple accounts & I've had bills put in my name in city I've never lived in credit cards & loans all under my name using my info. I have proof of where I was living at the time this account with self was open. I have no knowledge of this company or never inquired for they service. All the accounts that were open around that time was not verified so how is self verifying I keep asking for proof of the investigation yet still nothing they are not responding. Ive asked for proof of the investigation plenty of time & was told at first I was not entitled to then it was they don't have it they just keeps coming up with excuses they saying they've been contacting me so I asked what number & email it wasn't even my phone number or email. they continue to hang up in my face I've provided everything they are committing violation violation violation all the inaccurate credit reporting is messing with my health. I HAVE DOCUMENTS BELOW MY DL OF MY HOME WHERE I WAS LIVING A BILL A POLICE REPORT ID AFFIDAVIT ALONG WITH IN THE INACCURATE CREDIT REPORTING. I

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 2023-05-05 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: TX

Complaint narrative:
It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2017. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation