vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: MI

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Transunion reported two hard inquiries to my consumers credit report without my written consent to Transunion to do so. No consent is identity theft. 
I, XXXX XXXX never gave Transunion my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Transunion did not have permissible purpose!

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy

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 2022-03-17 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

Complaint narrative:
Paypal has closed my account for no reason on XX/XX/2022, and will not help me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I used Paypal very frequently. Also my balance is being held for six months, adding up to a total of {$3500.00} and XXXX. The email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
NelNet is charging interest on student loans and has been, even though congress has suspended. The representatives refuse to assist in helping resolve or educate on why they are charging interest and has been. 

www.nelnet.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
I Contacted The Company XXXX XXXXXXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About 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 explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
I Contacted The Company XXXX  XXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
I Contacted The Company XXXX  XXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About 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 explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After careful review of my credit report. I noticed multiple unauthorized inquiries on my credit report. I contacted the 3 major credit bureaus such as XXXX, XXXX, and Transunion about the problems and even the creditors as well but none of them seem to help out in this process but to give me information how to dispute the inaccuracies. I contacted all parties involved via certified mail asking for validation or verification of these unauthorized inquiries neither party has produced any evidence or documents that I gave my permission to these inquiries. Then I requested that the inquiries be removed from my credit report or that they produce documentation for the inquiries both creditors and CRA 's such as XXXX, XXXX, and Transunion but none was able to produced any documents or validated the inquiries. now some creditors I was not able to reach due to not being an account holder with that creditor. Heres a list of the unauthorized inquiries and dates as follows : XXXX credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tansunion 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After careful review of my credit report. I noticed multiple unauthorized inquiries on my credit report. I contacted the XXXX major credit bureaus such as XXXX, Equifax, and XXXX about the problems and even the creditors as well but none of them seem to help out in this process but to give me information how to dispute the inaccuracies. I contacted all parties involved via certified mail asking for validation or verification of these unauthorized inquiries neither party has produced any evidence or documents that I gave my permission to these inquiries. Then I requested that the inquiries be removed from my credit report or that they produce documentation for the inquiries both creditors and CRA 's such as XXXX, Equifax, and XXXX but none was able to produced any documents or validated the inquiries. now some creditors I was not able to reach due to not being an account holder with that creditor. Heres a list of the unauthorized inquiries and dates as follows : 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 XXXXXXXX, Equifax credit report 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 XXXXXXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: WI

Complaint narrative:
I received the new Way2Go Card for the Wisconsin Child Support Program - they changed from Eppicard as well as the prior card was due to expire. I have tried to use the card to pay a bill online and it says that my zip code is incorrect. My zip code has not changed. I went to their website and confirmed my zip code was correct. It had several zeros after my zip code of XXXX. I attempted to reinput my zip code and the system added the zeros. I don't know if that is the problem. I called the number on the back of the card XXXX multiple times and there is no way to speak with a person, it is all automated information. The card works in stores, but not online. There should be an option to speak to a person to resolve real problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We had fraud that was not caused by our actions on a Citizens account ending in XXXX. We had to repeatedly request for the account to be frozen and closed. It has been over two months and the account is still not closed. We transferred all our funds to a new account ending in XXXX. This is a new account. We have no checks or any other way to get money from the account other than online bill pay/transfers. Unknown to us, the bank froze our account resulting in late fees and our mortgage to be two weeks late. We have FT jobs, young children, and care for my parents who have XXXX and are on XXXX All of our banking is on automatic payments. Citizen froze our accounts, we can not take the money, we can not close the account. Wait times regularly exceed 1 hour and we are at times dropped from the customer service line with no explanation. We have no way to access our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
I spent 12 hrs straight for my request but failed finally. 

1. I was contacted and helped by XXXX to help me for email/fax me the last two statements so to be in time with my underwrite in my new loan for another property, finally He was inresponsible to me the result. 
2. XXXX -- XXXX -- XXXX -- XXXX  -- XXXX I gave all account information to them, They pulled up my mortgage info and promise to help me faxing papers rushing to deadline. All of them kept promising to help me faxing the statement through the fax line XXXX but I did not see any. 
3. Each time calling, waitinf period 30-50 mins for help. 


I only had one MORTGAGE Account original from XXXX XXXXXXXX, later mergered to XXXX, My Inquiries were crewed up, now I am waiting online to be helped.

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 2022-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol One/Walmart credit card was reported as 120 days past due when it was 90 days. The payment was made for all 90 days, 15 days prior to the report being filed. I attempted to explain what happened and point out that I had never missed a payment in the past, and they would not listen. The woman that I spoke to was extremely abusive to me. I paid {$490.00}. the day I received the letter from Capitol one and yet, they reported that it was not pain and was 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had opened a BarclaysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card last year. I was approved on XX/XX/2021. 
I only used it once on XX/XX/2021, and had paid my credit charge in full. I gave them my bank account number and routing number and I received a confirmation of the payment. Since then, I stopped using that credit card. Two months later I suddenly see that my credit score dropped XXXX points. I quickly check where I havent paid my debt and all of the sudden see that my Barclays account wasnt paid. I look through all the spam emails I recieve from them and dont see any email saying my payment didnt go through. Only after pressing on the emails it says I have a balance but in reality I paid my balance at full in XXXX. I called them and asked what was wrong, they said I provided the wrong routing number. After checking I saw that I provided them the routing number that I had from my bank, which was a wire routing number and not an ACH one like they wanted. I quickly called my bank and, got the information and payed my debt. I asked the Barclays support why I hadnt receive an email saying my payment didnt go through, they said that it doesnt work like that, you only get an email when your payment is received and later you have to check. So I asked why they didnt notify me through the app like a get a notification when I have a charge of pay my balance. They said it doesnt work like that either. They said they sent me mail saying I didnt pay my balance, but I opted to go paperless and to contact me through email only because I didnt have constant access to my mailbox at the time. Their second excuse was that they tried calling me and I never received a call from them.. They couldve texted me, or sent an email saying my payment hadnt gone through but instead they decided to put me in a position as someone who doesnt pay his debts, even though I have three more credit cards with charges over XXXX XXXX  who are always paid on time and in full. The Barclays agent on the phone said that I was right and if I complain they should reimburse me. She event refunded me the late payment fee of XXXX XXXX This has destroyed my ability to build my credit and would really appreciate any help I can get. 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 2022-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Someone opened a card in my name through Monroe and Main last XXXX. I received a notification that a new account was opened in my name through my credit monitoring. I immediately called them to tell them it was not me and fraud. They said it would be taken care of. I then received a bill in the mail and a set of shoes in the mail. I called them again and put another dispute in with them and they assured me that it would be taken care of after they were very rude and not helpful. I mailed the merchandise back to them which they received XX/XX/XXXX. I now have a delinquent payment on my credit report from them. I called them again on XX/XX/XXXX and they assured me it was closed and would be taken off my credit. I then receive a notice that they opened a new account in my name again. Please help Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This is an ongoing problem since XXXX starting with XXXX XXXX then transferred to Navient. XXXX XXXX and Navient are legalized extortionists. The continued issue is misappropriation of funds despite explicit instructions. All stubs with notations as well as check are photographed and saved. XXXX payment was written and mailed XX/XX/XXXX. XXXX XXXX payment was in the amount of {$140.00}. {$0.00} was applied which now results in the perpetual cycle of : affecting credit score for missed payment ; compounded interest ; higher principal as not lowered by the prescribed and received payment applied to balance thus increasing the owed amount. In addition, XXXX payment of {$200.00} is noted has {$340.00} paid. Once again Im told a missed payment yet it is a misappropriation of payment. This affects my credit rating and adds undue interest and penalties in an already legalized extortion algorithm that is financially strangling. In addition, time spent trying to correct. Ive called Navient yet again to have them correct their error. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Recovery Services, LLC
State: MS

Complaint narrative:
Receivable Recovery Services calls my phone and will either not say nothing ( so I just hang up ) or want me to tell them my personal information before even telling me what the call is about or where they are calling from. I have repeatedly asked them to send me an itemized letter detailing what they are refusing to tell me about and to send it certified to ensure I get it. I have told them not to to contact me until they can prove that I get a letter and yet they still call. I have told them I do not owe them anything and to stop calling me. When I do this, they become aggressive and rude. I refuse to give my personal information to anyone on the phone especially when I know I do not owe this company anything. I can not provide dates or amounts because I have not been given any of that information at all. The only thing I have been told it was a medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
In XX/XX/2020 we became eligible for automatic payments on our mortgage. The representative for the lakeview XXXX XXXX told us we could use a credit card on the account for automatic payments. We called back with the credit card account and routing number for them to take and they accepted it. We did not find out until the month after that the payment did not go through. We contacted Lakeview and they said they actually do not accept credit cards for autopay. We paid both months and switched our autopay directly to our checking bank account.

Until we tried to refinance a little over 6 months ago we didn't know that this incident had been negatively reported on our credit. Due to lakeviews employees giving false information, it is their fault we have a negative mark on our credit report. We escalated this problem through lakeview and their team denied taking it off our report without even listening to our recorded phone conversation like we had requested. We then contacted a manager to let them know what their escalation team did, they said they would take care of it and requested us to ask in writing, so we did. We never heard back from their manager. We have since escalated it a second time with a different manager and have once again gotten no word back. We then reported to XXXX what they did and XXXX wasn't able to help us either. 

This is our ONLY negative marking on our credit report and have desperately attempted to resolve the issue in every way we can. We have been extremely mistreated by this company. We need your help please.

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 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I had an account with Venmo back in XXXX. After an ongoing dispute with Venmo about the {$140.00} transaction that I was not financially responsible for, Venmo failed to deliver any resolution after the case was escalated. Hours days of my time and aggravation. I had no choice but to stop this exhausting process by recovering my funds with a dispute with XXXX. XXXX found that the dispute with Venmo was valid, and the {$140.00} was refunded back to me. On XX/XX/XXXX, Venmo let me open a new account with the same name, same address, my other email, and phone number. After receiving {$930.00}, Venmo froze funds. Their explanation was they needed DL and bank statements. I sent it over eight times. The account was still frozen. Hours and days of not getting the answer and funds. At that point, the sender requested Venmo to send her funds back. Venmo refused her request and forwarded her to the payee- me to issue the refund when they knew they froze the account. They finally emailed that they hold {$930.00} funds because I owe them {$290.00} from my other account from XXXX. I do not own anything as the case was disputed with XXXX rightfully in my favor. Venmo practiced extorting me for {$290.00} ( {$140.00} x2 ) and took {$930.00} until that amount was paid to them. The sender keeps requesting the funds to be returned to her. I've requested Venmo to release funds back to the sender. Venmo refuses to release {$930.00} back to the sender.

Company response to consumer: Closed with explanation