vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
purchased prepaid gift card from a XXXXKroger grocery store, {$300.00} applied to card. 
card never worked. it had been deemed lost or stolen several years ago. 
requested replacement card 4 times. the first time it was never sent. the 2nd and 3rd time it was sent to the wrong address ( even though both times the agent confirmed they had the correct address ). the 4th time i spoke with a manager. she was able to confirm that the previous agents had indicated they confirmed my address. she sent a new replacement card. it arrived within the stated timeframe. when it arrived ( XX/XX/XXXX ) i activated the card and verified it had a balance of {$300.00}. i went to use the card yesterday and decided to make sure the card was working. from the website i received an error message. i called the 1-888 number on the back of the card and was told the card ( that has my name on it, that i had activated ) was in someone else 's name and had their home address. i was told i need to fax them a copy of the front & back of the card and my picture ID. i will do this after speaking with one of your agents but i am nervous to send them a copy of my picture ID.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Previously, disputed with creditor on XX/XX/ and XX/XX/ asking to verify or delete as I do not having account open. It's been over 60 days and I haven't heard back from them. I sent them a copy of credit report to further assist with request. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.

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 2023-09-28 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I can not have these accounts misreported in my report with erroneous balances XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I can not have these accounts misreported in my report with erroneous balances XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
This communication is in reference to my LexisNexis Accurint Report dated XX/XX/, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Employers that LexisNexis Accurint is reporting on my LexisNexis Accurint Report ( See attached XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This is my third notice to LexisNexis regarding the Incorrect Employers that they are reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER been employed by either of these entities and I have NEVER been associated with either of these entities. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
I have had Grain a few years now. First, it started as changing my limit to the amount owed, XXXX XXXX and claiming it was done by the provider and not reversible. Okay. This was after I believe 2 late fee charges were given. Mind you, this account is and has been on auto pay since I joined in XX/XX/2021. Since then, I have been trying to get a response as to why I am charged late fees when their system fails to initiate the payments. No response to anything ; emails or XXXX messenger. I was just recently charged a late fee and emeailed over a week ago asking why and demanding all late fees be corrected. No response still. Their reviews are horrible and many seems to think they are scamming us. Their yearly fees are outrageous too. I can provide screenshots if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am disputing a fraudulent account with y'all for XXXX XXXX for {$140.00} but y'all are not receiving the dispute document I sent online more than once. y'all never receive them XXXX XXXX 's account number is XXXX and the credit collection services Reference number is XXXX XXXX XXXX PIN XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We contacted Fay Servicing in XX/XX/XXXX to review options like modification or reinstatement with working with CA Mortgage relief program. We also requested our mortgage statement since we were got able to view them online ans we had no copies what was owed. The Rep. at Fay Servicing said they would mail us a package. But several weeks later nothing and then we received a letter XX/XX/XXXX that we were in Forecloure and sale date is XX/XX/XXXX. At this point XX/XX/XXXX I had file for help with California Mortgage Relief Program and submitted all the documents. On XX/XX/XXXX I spoke with Fay Servicing that we were pre-approved for the re-instatement to bring us current with CA Mortgage Relief Program application XXXX XXXXXXXX. They said Sale date is active for XX/XX/XXXX and they could not hold until account is paid current. On XX/XX/XXXX Mortgage Relief said we had met the final review and that they had reached out to Fay Servicing to request a HOLD so they could finalize my application and fund the reinstatement. Today XX/XX/XXXX I spoke with Fay servicing, and they still have the sale date active for XX/XX/XXXX. They said they can't do anything, and we need to pay by XXXX ( one day prior to sale date ). Fay Rep said if its just approved they have no control to hold the sale date. They can't wait any longer for the funds and they need to be paid by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am refiling this complaint another time to KIA FINANCE AMERICA for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports. 

This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in 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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The company closed my account told me that I would receive my check from the account after 60 days they never mailed the check they gave me the run around for months they also didnt tell me that I couldve closed my account until it was to late all my money is gone and they wont give me no information. They investigated me 3 times or they used the word verified my checks XXXX and on the last time they closed it this put my company behind and Ive basically lost a contract due to the profiling.

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 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
IDR repayment change was submitted XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter stating my account has been placed in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. There is no information in this letter on whether or not PSLF " payments '' I could be making will be counted. It does state that interest will accrue while they take THREE months to review my application. I've called and waited on hold 3 times today for over an hour each time and haven't been able to reach anyone to ask for an explanation. 

Additionally, my loans were consolidated in XX/XX/XXXX and my PSLF payment counts were reset to zero and have not been updated. It's now been a YEAR and any request for information results in the same response : " The currently displayed PSLF and TEPSLF Payment Counts, specifically those for your PSLF and TEPSLF Eligible and Qualifying Payments, may not include all eligible and qualifying payments that you might be entitled to as a result of the Limited PSLF Waiver. We are in the process of updating this information and ask that you check back periodically for updates. Your continued patience during this process is appreciated. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-28 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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

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 2023-09-28 00:00:00
Product: Credit reporting 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: LA

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.

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 inructions 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 2023-09-28 00:00:00
Product: Credit reporting 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: LA

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.

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 inructions 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I received an email from PayPal, on XX/XX/XXXX, stating my account is permanently limited after a review. I called on XX/XX/XXXX and asked a customer service agent, why was my account limited, she said I can not give you that answer, I then asked for a supervisor and he said PayPal, will contact me within 24-48 hours, they never contacted me. I called again on XX/XX/XXXX, I talked with account manager XXXX, he said PayPal would contact me and once again, they did not. I had 2 XXXX  's with PayPal as soon as my account was limited, I sold my XXXX  and PayPal, charged me a fee of about {$90.00}, but I was not allowed to transfer my {$5600.00} to my Bank account. I read PayPal 's user agreement, it says after 180 days my money can be released and transfered, however, it's been 214 days and I still can not transfer my money. I sold my XXXX {$2600.00} XXXX and that is also not able to be transfered to my Bank. PayPal, charged me about {$39.00}. Interesting PayPal, takes a transaction Fee, for both XXXX and XXXX but still will not release my money! I even tried to make a formal complaint but PayPal 's site wouldn't allow me, too.

I signed up with PayPal back in XXXX, when I was selling on XXXX, never had an issue until out of nowhere, PayPal, limits my account and " never '' gave me and explanation, truly unprofessional and poor business practice. I then called after the 180 days, and the customer agent stated if I'm eligible or if I qualify, then I will receive my money, I've " never '' heard of such profound nonsense in my life, I have to qualify for " My Money '', its outrageous to even mention something that absurd and foolish! Bottom line PayPal, is operating rogue and doing whatever they want to, with my hard earned money, and I'm not going to allow them to steal " My Money ''. Something Needs to be done with this Unethical business, they do not understand customer service and certainly operates with no regard to there customers, meaning me and I'm sure many others, as the internet shows All the lawsuits against this company, that are ongoing. I would hope the new CEO, is ethical and professional unlike the former one, XXXX XXXX! Warning do not use PayPal, or you too may have sleepless nights, hoping and praying you get your money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX provided my social security number to a credit card company ( XXXX XXXX ) while I was sedated and having XXXX XXXX performed on that date. I was never given an application to fill out myself for credit nor did I need or request credit products. They used my information from the general intake form when I came in to be seen by a dentist and transferred my personal information to a credit application without informing me. The way they handled me as a patent was criminal trying to misguide me and acquire information by sending dental assistants to ask you questions about your income and other information saying the Doctor needs the information while you're under sedation if a direct violation of ethics and they should have their license revoked. I want this inquiry deleted from trans union specifically and all other bureau 's

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
IAM still not satisfied with the companys results XXXX form affirm.up to one point on the reply to the outcome was correct I agree with their terms and conditions.but they never notified me regarding my payment was not successful.i would not let my credit report drop XXXX points for XXXX XXXX payment.so i will like to see this dispute .also ween i call them and. Make the full payment I explained to them but they where verry nasty and not helpful at all

Company response to consumer: Closed with explanation