vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank repeatedly rips people off. I was able to win my first dispute with them. Now I find out they pulled my report again for no reason and are closing an account I paid of 3 months ago. This will negatively impact my score which I just raised to XXXX. By closing this account it will shrink my credit usage ratio DRASTICALLY. I received a letter that stated lack of real estate, high balances and a low score was their reasoning. I bought a house in XXXX, my score is XXXX and my usage got down to 13 %. They have repeatedly invaded my privacy, lowered my limit for now reason and are now actively closing an account which will directly affect my credit score, that will directly affect everything I apply for going forward, a refinance, costing me THOUSANDS OF DOLLARS.

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 2021-12-31 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: MI

Complaint narrative:
I have been in contact with XXXX since XXXX regarding an account being past due on my Transunion credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then XXXX  states they cant talk to me this acoount dont belong to me but yet wont correct 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 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I requested validation from this company to prove I owe a debt they have been contacting me about. I requested they provide validation NOT verification. I requested proof that they have a right to collect a debt from me, I requested the appropriate balances and fees and a contract bearing my signature to prove the debt is mine. The company has mailed me a letter that appears to be typed because the names do not match, they are spelled incorrectly and most importantly the letter is in VIOLATION OF HIPPA. This company has listed medical procedures/ operations performed which is a violation of HIPPA . I request this company cease reporting to the credit bureaus immediately and provide proof that they will cease reporting to the credit bureau or I will be taking legal actions against this crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Sezzle Inc.
State: MI

Complaint narrative:
I have been in contact with Sezzle since XXXX regarding an account being past due on my XXXX credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then sezzle states they cant talk to me this acoount dont belong to me but yet wont correct my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Didn't receive any Information from 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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
Didn't receive any Information in the mail. no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems ( debt collection company ) attempted wrongfully obtaining a double amount of my initial debt owed by posting the same charges of {$500.00} and {$1500.00} from the same company two times : 1 ) XX/XX/21 ( 1st time the {$500.00} and {$1500.00} amounts posted ) and 2 ) XX/XX/21 ( 2nd time the {$500.00} and {$1500.00} amounts posted ). As per the itemized list of charges provided by the debt collector via email ( documents that can be provided upon request ) on XX/XX/21, I owed a total amount of {$2000.00}. I then made an initial payment of {$50.00}, bringing it to {$2000.00}. However, on XX/XX/21, there was a change on my XXXX credit report, stating that there was a new posting of the {$500.00} and {$1500.00}, which had been already claimed by the same company and debt collector that I was working to pay off. This " new '' debt posting brought my cumulative debt total to {$4000.00}. This is a breach in my rights as a consumer under the FTC laws and guidelines and would like for the National Credit Systems, as well as, XXXX XXXX XXXX XXXX, to both be investigated in this fraudulent, unlawful scheme as my rights have been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: NY

Complaint narrative:
I received a Square debit card that I did not sign up for. The card had my name and was mailed to an old address ( parents home address ). I contacted the company to investigate. This did not show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-31 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: MIDFIRST BANK
State: IN

Complaint narrative:
Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, Midland Mortgage is being XXXX  and retaliating against me for filing with CFPB and XXXX. 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX properties that was on the door stating they shut the water off. XXXX  properties is the property management group hired by Midland Mortgage falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. Midland keeps harassing  me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.

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 2021-12-31 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: CO

Complaint narrative:
This is my 3rd complaint against paypal with no real resolution or provided a way to resolve. 
Previous complaint first on XXXX, # XXXX second complaint was made on XXXX, # XXXX Please see to these previous claims also please be advised that on XXXX this claim was done over the phone. 
I have tried several times to resolve the issue with PayPal and yet still nothing the response to my claim on XXXX complaint # XXXX makes statements about my unemployment benefits with that said here 's a copy of my unemployment tax forms please note that during this time all banks and other establishments were closed I did not have a way to get a new ID which state of XXXX  also no Bank would open an account for me due to pandemic as well as my ID being from XXXX  my benefits from XXXX unemployment are not fraudulent and statement to prove is being provided. 

Next steps I will Take at PayPal 's expense is to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have had this account on auto pay from the first month I had it. They took out a payment of {$61.00} on XX/XX/XXXX as normal. Then there was no payment taken out on XXXX or XXXX that I didn't notice. They called me in XXXX and asked for me to catch up. There is no evidence of them trying to take out the payments from XXXX or XXXX. So there were no bounced payments. I paid {$180.00} on XX/XX/XXXX by phone. They took out {$94.00} automatically again on XX/XX/XXXX. I asked for them to remove the late payments from my credit they said they could not because they were reported accurately. This was an internal error at Discover Card it was not a mistake by my hand. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX there was a moratorium placed on freeze on student loan activity by the Trump Administration that was extended to XXXX and now XXXX by Biden administration. I received a letter unknowing from Navient in XXXX informing me i was behind on my student loan as my income was revaluated. I made Back payments and payments forward from XX/XX/XXXX till XX/XX/XXXX. It was money I did not have as pandemic closed the place I worked for. Only after resubmitting paperwork to show this was my payment re evaluated again. I went in the Hospital in XXXX  for XXXX XXXX  due to XXXX so our finances are in shambles. Upon learning about I did not have to make payments during this freeze i was informed I was eligible for a refund of those payments as they are Federally backed loan as Navient is and never have been a funder for my loan but only a assigner of it. Spoke to a Department of Education Representative who informed me that I was eligible that i would have to call provider to make request. On XX/XX/XXXX I made the call at XXXX and spoke to a CSR who informed me that I was not eligible because Navient funded my loans which is not true they were only assigned my loans from Department of ED and Navient continues to feed misinformation to its customers as I have had a lengthy issue with them to trying to lead me to forbearance instead of income driven payments to moving your dates around or somehow losing my paperwork during reupping each year. I am not working due to my condition and i feel those payments that I should not have made due to the blanket law that was passed with the exception to private loans should be refunded to me which was from XX/XX/XXXX to XX/XX/XXXX. They are federally backed loan and not private as I have never did business with Navient just had them set upon me by the interworking 's of the Government process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, I logged into my CitiBank app and it said my account was blocked. I contacted them and they told me they were closing my account and couldn't tell me anything else, they would then hang up the phone in my face. I called 3, maybe 4, times, and every time they would hang up on me, giving no explanation. I have no idea why they would randomly close my account, as I haven't had any issues with them. I used my debit card on XX/XX/XXXX, with no issues.

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 2021-12-31 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: TX

Complaint narrative:
I have a recorded conversation of when I spoke with two of your, Transunion representatives today and those agents willfully violated my federally protected consumer rights. I requested information be blocked according to 15 usc 1681c-2 and the agent refused and said the address on my utility bill did not match, i assured your agent that the addresses were the same and he stated he had no access and transferred To a supervisor, XXXX. I also questioned who gave permissible purposes and the agent had no rebuttal. I asked for him to block several times he said he had to do an investigation and yet and still refused to block although its been past 4 days and I am XXXX XXXX! TRANSUNION IS MAKING MY LIFE XXXX! I have NO access to my XXXX credit because of XXXX identity theft and fraud I am 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 2021-12-31 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Online Information Services according to XXXX XXXX XXXX made a claim that I owe a bill of {$140.00} to them. XXXX XXXX XXXX is permanently closed. This debt do not belong to me this is Fraud and I am requesting to have this move off of my credit report immediately because this has damaged my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, XXXX XXXX is being crooks and retaliating against me for filing with CFPB and XXXX 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX XXXX that was on the door stating they shut the water off. XXXX XXXX is the XXXX XXXX XXXX hired by XXXX XXXX falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. XXXX keeps harassing me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.

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 2021-12-31 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: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Bank of Oklahoma and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I contacted Wells Fargo to dispute some charges. I spoke with an agent and requested a credit. The agent advised me it would take 10 days. I advise the agent that previously I didnt have to wait 10 days. The agent stated that was a previous call but on this call I would have to wait. He stated that the claims department was who I spoke with the last time. I requested to speak with the claims department. The agent at that time called me a XXXX. It was stated under his breath but I heard him. I asked him if he called me a XXXX and he laughed it off and said he didnt say anything and transfer me. I will be filing a lawsuit against Wells Fargo for misconduct and mistreatment.

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 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
XX/XX/2021, I Received a phone call from a representative at CBC, LLC about a debt that was owed in the amount of {$110.00}. I immediately resolved the debt and was assured that this would be removed from my credit. This debt is still currently on my credit and harming my credit score despite numerous attempts of getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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