vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK XXXX CRED Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act Bank XXXX XXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I have a late payment for a credit card from BARCLAYS BANK, DELAWARE XXXX XXXX XXXX XXXX, DE XXXX that was opened in 2021 under my name, I never opened a credit card with this account and have idea how this happened, XXXX XXXX XXXX XXXX  and can not go home for the holidays now because I wanted cant apply for an airline credit program that would have been able to help with my ticket because these charges dropped my credit score so significantly. This bank has multiple reviews online saying its into shady business and currently has one star on 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 2022-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently called Capital One so I can change my date of payment. They said they couldnt. I called on XX/XX/XXXX when my payment was due and told them I would be making my payment on XX/XX/XXXX because thats when I get paid. They said it was not a problem and they would waive the late fee of XXXX. They didnt. So I called on XX/XX/XXXX again to ask them if they can change my date to the XXXX. They said no cuz my card is closed. Ive been a good paying customer for 3 years and now that Im having a hardship they wont even help me resolve this problem. Im not asking them to reduce my payment just change the due date so I wont get a late fee every month. I dont understand why they cant help me. My bill is getting higher witch doesnt help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, went to a resort for an excursion : jet skiing. After our excursion, I bought beverages : {$66.00}. Yes, had card in my possession that day, Thursday XXXX, XXXXXXXX XXXX 

On Friday XX/XX/2022, there were three ( 3 ) unauthorized charges of {$700.00} : total of XXXX. Wells Fargos claims the charges were made via chip ; meaning it was in my physically possession and authorized the charges. However, I made XXXX charges that day, Friday XX/XX/2022. I did NOT physically have the card in my possession. Going forward I did have the card. I believe my card information was stole the day of the beverage purchase or in my hotel the day the fraudulent charge was made. The card was at my hotel with all hotel personnel having access to my hotel room. I did NOT use and/or have my card in my possession XXXX, XX/XX/2022. I was out and about exploring.

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 2022-11-28 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( EXETER FINANCE LLC/XXXX XXXX company. I requested that they send me the written " Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score.

15 USC 1681b states that written Permissible Purposes must be given by the consumer and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the XXXX XXXX XXXX as Company Info : XXXX XXXX XXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Experian Credit Published as Company Info : XXXX XXXX XXXXXXXXXXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXXXXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks 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 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2022, our property at XXXX XXXX XXXX was sold. Shellpoint Mortgage, the Servicing Company, provided the Title Company, Landmark Title, LLC, with a payoff amount of {$550000.00}. However, the mortgage statement dated XX/XX/XXXX, depicted an outstanding principal balance of {$380000.00} and a deferred balance of {$39000.00}, a difference of {$120000.00}. The account number for our mortgage was XXXX. 

I solicited the service of XXXX XXXX to recoup our funds but Shellpoint mortgage failed to respond to the Attorney 's letter, demanding an explanation. I called Shellpoint and I was told by a Representative, that they never received my Authorization Letter, granting DSK Law the authority to represent me, which, in-fact, accompanied my Attorney 's Demand Letter. 

Thus, I'm filing this complaint to recoup additional funds due to us if a reasonable explanation can not be provided, for the Payoff amount and other fees. 

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 2022-11-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank
State: GA

Complaint narrative:
Hello, On XX/XX/2022 I sent {$1000.00} to XXXX XXXX at ( XXXX ) XXXX via XXXX ( through Synovus Bank Checking Account ) as we made a deal on XXXX for a telescope. After sending the money I realized that I made a mistake of sending the money to a fraudster as he stopped replying to me, blocked me and also I got a notice on cell phone from another number saying that the XXXX payment didn't go through and I should send it again. That message was to trick me into sending the money again. 

Confirmation # : XXXX Payment ID : XXXX I immediately realized that I was defrauded so I called Synovus Bank and let them know that I was defrauded and I should get the money back. They said they will contact XXXX and open an investigation and let me know in a couple of days. 

Then, I received a letter dated XX/XX/2022 from Synovus Bank stating that they are unable to provide a refund. I am attaching the copy of the letter. 

I understand that the transaction of authorized by me but the goods and services were not sent to me so I should get a refund of full amount of {$1000.00}. Synovus Bank and/or XXXX should have the recipient 's name, phone number, checking/savings account and address so I am really surprised that they are not able to recover the money from recipient 's account and credit back to me. 

Thank you very much. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MI

Complaint narrative:
I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: MI

Complaint narrative:
I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was approved for 18month of payment assistance from XXXX XXXX XXXX and only 2 payments have posted on my account no payment was made since XXXX so my account is extremely past due for XXXX, XXXX, XXXX payment please help me get these payments applied! I recently received a letter stating my mortgage with transfer to XXXX  as of XXXX XXXX but my account is past due from payments not being applied from XXXX  so what is XXXX  puts me in foreclosure please help me bring my account current before the transfer also I have called XXXX  requesting tickets be put in on applying my payment because XXXX stated they have been sending out payments the XXXX of everY month. Please help me find a solution to get my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XX/XX/XXXX is got an email from paypal that my account has been permanently limited. I contacted customer support twice I've never even got a reason why. Customer support said those decisions are made in the back office and they cant even access them. I got an email from them today saying my account is still permanently limited a be in cant use there service for anything including my own money. My account has XXXX dollars in it. My social security checks are direct deposit. I desperately need the money to pay my rent and utilities. I have no other money. 
My phone was stolen and they were able to get into my paypal account and make purchases. I informed paypal of this. they are punishing me for something someone's else did. I never violated any of their policies. I can't believe they can actually take my money. im on a very desperate situation. Ill be broke and homeless in a few days. Im a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Syncapay, Inc
State: WA

Complaint narrative:
PrepaidDigitalSolutions is not honoring a prepaid card issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MI

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 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/consent 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
Purchased washer dryer for {$1800.00} in XX/XX/2022 from XXXX XXXXXXXX. They recommended American First Finance as a way to lease-to-own. I signed up and W-D were delivered and installed. I received a call from someone at XXXX but I didn't feel comfortable giving my SS # to her and told her I'd call her with questions, assuming I'd receive the contract. I moved here recently and started a new job so forgot about it. This month I thought would be the last payment ( $ XXXX ) as I've paid {$2700.00}. When I went on like I found to pay off the note will be another {$2900.00}. That's a 300 % markup. No way. I called and learned that it's true. How is that possible. If I waited the entire time it would be {$7000.00} - 350 % mark up. I'm fine with a charge. Expected something but not 300 %. It's wrong, a bad business practice, and a hardship for the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
this company and XXXX XXXX XXXX XXXX  have shared my personal records and i believe my rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Conn's, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2022 I bought ten tickets from asap tickets. It was two different reservations. The amount charged to my account doesnt appear on the bank account information. It was XXXX for one reservation and it doesnt show up on my account info and other was XXXX. I dont know why the these payments dont show up in my bank account information. The company name asap tickets charged me XXXX and XXXX and it doesnt show up in my bank account information. I want to complain against asap tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am a XXXX and in XXXXI applied for XXXX  tax exemption with my county tax assessor. It took 12 months for the exemption to process so my mortgage payment went up roughly {$700.00} a month. I continued to make my payments on time each month in XXXX to XXXX. Around XXXX of XXXX, the tax exemption went through, and my tax payment was cut by half. I turned in the proper paperwork to the mortgage company and sent request to have my escrow re-analyzed to reflect the correct tax payment. Being in Washington state, the mortgage company noted my escrow would be analyzed in XXXX each year. XX/XX/XXXX, I saw that the mortgage company processed the tax paperwork but still had not adjusted the monthly escrow amount due each month. I again requested to have my escrow analyzed and the mortgage company responded by asking me to refinance. XXXX, XXXX, XXXX, XXXX I asked to have the escrow analyzed and still nothing. I now have a XXXX XXXX in escrow that is overpayment, and they are still keeping my money and not analyzing escrow despite my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account was charged {$59.00} on XX/XX/23 from an unfamiliar merchant, XXXX XXXX According to the transaction listing in my PayPal account, the charge would occur monthly for 1 year. 

I de-activated the subscription and filed a claim with Paypal. The agent who responded to the initial unauthorized transaction form gave me a list of 11 gift cards created in my name to deduct funds from my account. I checked the box no for of the gift card listings that were provided. Also, the gift cards were scheduled to deduct funds from my account in the next few weeks. I wasn't aware of an option that would allow account holders to create gift cards to deduct from their account. My Paypal account center activity does not reflect gift cards authorized to debit funds from my account. 

Less than two hours later, I received a verdict in writing stating my claim was closed. Paypal deemed the transaction authorized because I had similar transactional activity on my account. PayPal 's findings are untrue. My claim did not include supporting evidence that an investigation occurred. There are no other transactions on my account from XXXX XXXX, nor were there transactions for {$59.00}. I don't understand the similar transaction activity statement. Is the relevant? Wouldn't a more appropriate response state, this merchant has charged your account before? Did you close your account prior to the charge? If the activity was similar, there were no follow ups to determine the status of the customer relationship. Most importantly, I do not have a relationship with a merchant called XXXX XXXX According to my research, they are affiliated with a mental health app called, XXXX XXXX. I do not have an account with XXXX XXXX. According to the website, the email for support is XXXX. However, the web address on my transaction history is XXXX. I have not received a response from either website. Your support with this issue would be greatly appreciated. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief