vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
WAS NOT MADE AWARE BY THE BUSINESS OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
When my GM Card transferred over to Marcus by Goldman Sachs, I received a new credit card agreement, so I looked up the associate reward program rules. The agreement says nothing about rewards expiring, and the program rules say they do not expire on an active account ( which mine is ). On my latest statement, rewards expired. When I called the help line, the rep says it is a " XXXX '' card, and is under a different set of rules. I ask to see the rules, and they are not available online, and they would have to dig up some rules based on the XXXX XXXX version of the card. I received a new set of rules with the new card, so why should the old rules apply? 

{$230.00} of points expired on my XXXX statement, and it says another {$220.00} will expire next month! 

I just want to keep my points. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received notification about a new inquiry to my credit report. I called Wells Fargo to inquire why they asked for.my info since I did not seek credit from them. I was informed that an account from XXXX XXXX  had been.opened in my name. They are an online retailer that I had no contact with. Wells Fargo put me thru to their fraud dept and I was told I would recieve info in the mail for this to be taken off my report. Well, 2 days later, I received a credit card from bobs furniture!! I just want this closed and taken off 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 2022-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: MD

Complaint narrative:
I WAS NOT MADE AWARE BY THE BUSINESS MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-22 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX and XXXX at XXXX attempted to collect a cleaning fee on my apartment after I moved it. They send over a large bill with itemized selections for what all they had to do. I noticed that they had no line item for my security deposit, which, per the leasing agreement, was to be applied before I was charged for anything. I instructed them to please apply the security deposit to the bill and then mail me the remainder of my deposit. I was told they would review my case and contact me when the review was completed. I received one more email stating that they had reviewed and I still owed - nothing was said about my security deposit and I still have not rec 'd it. I replied, telling them this, and that once they could show me where my security deposit was, we could proceed. I never heard from them again. I have just rec 'd mail from a debt collection stating that the property sold the amount owed, and that I would have a collections on my credit report if I didn't pay. XXXX XXXX and XXXX made no attempt to notify me that my debt was going to be sold. They still have not provided me my security deposit.

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: PA

Complaint narrative:
Background check has outdated information on No way I should fail background check if Im working in a XXXX for same background check

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

XXXX XXXX XXXX  XXXX Acct Number : XXXX XXXX XXXXXXXX Acct Number : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX 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 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 or 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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
wells fargo bank drill my safe deposit box with out notice, they lost it my everythimg

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 2022-12-22 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: FL

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 u.s.c 1681. 

Account name : # XXXX, XXXX 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.

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.

15u.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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: WA

Complaint narrative:
I received some money transfers in my Venmo wallet. These transfers were from Venmo members to me. Venmo informed me that my account was frozen and that I would have to verify my identity by sending in a picture of my driver 's license. I called into their support and spoke with XXXX XXXX ( XXXX ) who received my driver 's license and sent my response to the evaluation team on XX/XX/22 at XXXX XXXX. I was told that this step was needed to reactivate my account to receive so that I could access my funds. On XX/XX/22 at XXXX i received an email from XXXX XXXX XXXX ( XXXX ) stating that my account has been permanently deactivated for a violation that they won't explain. Also, it said my funds will be held for up to 180 days and I XXXX have access to them or not in the future. 

I then sent a response telling Venmo that they can't steal from me and not explain the process to reactivate my account and access my funds. The amount is substantial to me {$8700.00} and significant because I am experiencing financial and economic stress. They have not provided me an explanation or pathway to accessing funds that are mine. 

CFPB I could really use your help. Also, my attachment includes the XXXX emails received from Venmo and my response to them after my account was banned without a pathway to reactivation or accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I XXXX XXXX initiated a full payment towards my secured credit card from self inc. In the Amount of {$3500.00}. Shortly following the full payment I received an email from self inc warning me I have 15 days to provide verification and a bank statement or my account will be closed. I urgently uploaded the documents they requested shortly after they closed my account with no information or notice. They held my security deposit after sending an email stating it would be released in 15 days and electronically sent to my linked bank account. Well, that never happened its been almost 2 months, and my security deposit of {$3000.00} is being held by self for 2 months and is now causing me hardship. they are illegally holding my funds with no answer. stating they can not release anything until the review is finished. And have no timeline for this I have attached all information and correspondents on the communication done with self below. I am requesting the funds that are entitled to me under us law be released to me with no further questions. I also believe the bank intentionally and maliciously committed fraud by waiting for me to pay the credit card in full to then hold my deposit and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )

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 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This is a review below that spells out my complaint. Apologies as I was annoyed when I wrote it .... 

Unbelievably bad customer service. I'm a XXXX XXXX and have been around for XXXX XXXX and I thought I'd seen it all. Pennymac provided me with a forbearance on my mortgage for 3 months during Hurricane Ian. My house flooded and I spent {$30000.00} in repair work so it was a relief to be able to hold off on mortgage payments. When I first spoke with a rep about the forbearance it was my understanding that I could repay the missed payments over time. After the 3 months forbearance, I called to find out what my payments would be and the term. Basically what I got was a debt collection spiel and the runaround and someone was supposed to call me back. Never happened so I called again after 3 weeks and same collection spiel and I was told I needed to pay all 3 months back immediately. I asked to pay it over 6 months which would be a payment and a half each month and was told no. WHY ON EARTH WOULD I HAVE A FORBEARANCE IF I HAD TO PAY IT BACK RIGHT AWAY. THAT DOESN'T HELP AT ALL. They finally presented me with a 3 month option which I accepted but still puts me in a tough spot to come up with double payments each month. XXXX heartless! 

I just wanted to pay it back over 6 months. That's all. I've been a customer of theirs for 8 years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: IL

Complaint narrative:
Ive contacted Experian and CFPB several times regarding several egregious violations of my rights as a consumer under 15 U.S.C. 1681. 

Experian is refusing to abide by rights, complete dispute investigation request or remove the erroneous and unverifiable entries.

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 2022-12-22 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: TX

Complaint narrative:
XXXX XXXX Equifax Account # : XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Equifax Account # : XXXX According to the irs publication the lender must file form 1099-c and send a copy to you if the amount of debt is more than XXXX dollars. If the charge off is over XXXX dollars is reporting to your consumer report they are commiting tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
I have received 13 calls today from the following phone numbers stating that they represent Nissan Motor Acceptance Company Infiniti and are collecting on a lease turn in debt from XXXX. I called the number back and was told I have a bill for excess mileage, wear and tear, and taxes- its now XXXX. I have since leased 4 cars from Infiniti and have never had an issue with the leasing. This debt collector demanded my social security number multiple times and advised me that if I don't start paying {$200.00} a month that would " come for me '' and ruin my credit report. The rep name was XXXX, and I advised him to stop calling me you are not harassing me and not call me again. He stated he is not harassing me. The numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021 I took a background check passed and started working on XX/XX/2021 a background check was done but this time An alert happened and I lost my position I had disputed it and in the beginning of the year I was able to work now that another background check was ran I have the same problem and First Advantage staff is very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Accurate Background
State: MD

Complaint narrative:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARCO Group, Inc.
State: MD

Complaint narrative:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I've used PayPal for many years. Mostly to pay for goods over the internet, but occasionally to receive or send money to a relative ( especially at XXXX, when we sometimes purchase gifts jointly ). On XX/XX/XXXX my sister reimbursed me for a travel expense via PayPal. I had placed " hold payment '' on a rental car for her when she visited for the holidays. It cost {$550.00}. This time when she tried to reimburse me, PayPal charged me a transaction fee and placed a hold for a period of time on any balance above {$300.00}. They say I have a " business '' account. I explained I am not a business and never have been. So they have now " downgraded '' me to a personal account. But in order to get the funds released immediately for this transaction, they need my sister to input that she has " received '' the goods and services she has purchased. And they say they must still charge me the transaction fee. In the past I have received money from my sister via PayPal. I received {$100.00} from her on XX/XX/XXXX. I was not charged a transaction fee at that time. I went back through my account history and confirmed this. It's not cool that they can now call you a business and charge a transaction fee, even after you correct them. They say there is is a Friends and Family option for sending money. It is difficult to figure out how to use it. I know, because I tried.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 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:
These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX XXXX XXXX XXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full TXXXX XXXX XXXX fraudulently opened

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