vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  XXXX 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 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. 

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. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I filed a dispute with Paysafe/SKRILL on XX/XX/XXXX for {$300.00} arising from an error with my SKRILL Visa. I submitted all required paperwork and on XX/XX/XXXX I received an email from PaySafe Disputes stating they had issued a temporary/provisional credit to my account. Upon checking I noticed that NO FUNDS were in my SKRILL ACCOUNT. This was the first time I reached out to Skrill to inquire where my money was. I spoke to customer service and was advised they would escalate the issue to the appropriate department. I assumed they would address and correct the problem and have the funds credited to my account by the following Monday afternoon- NOTHING, so I called SKRILL support again to inquire and got the same answer, my issue would be forwarded/escalated to the appropriate department. Then came Wednesday, and Thursday, and Friday... each day contacted support, each day received the same answer. This has been going with the same outcome each time, ESCALATION, NO CREDIT..ANGRY! And now as of the XXXX XXXX XXXXXXXX I received another email from the disputes DEPARTMENT stating they determined that AN ERROR DID OCCUR and the previous credit ( I never got ) would be considered permanent. And guess what? Still NO CREDIT ... .I HAVE BEEN IN CONTACT EVERY SINGLE DAY SINCE THE XXXX XXXX XXXX XXXXXXXX TRYING TO GET MY MONEY, WHY HAVENT THEY GIVEN MY MONEY? They keep saying a 'technical ISSUE ' is preventing the credit to my account! A multi billion dollar company with locations all over the world, that handles and makes financial transactions and they cant handle a small consumer account like mine and have not even sent me one proactive message to let me know what is going on. I'm angry and want my money. They are keeping it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account, I did not receive notice and they only mailed a letter instead of having something I could see online as well. 

Then they told me they would mail a check and I could not go and get my funds from the account. 

If they did not mail the letter, how am I supposed to believe that I will get mu funds in the mail. I want to go to the bank and get my money out.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Dates- Every month they report on a closed account. Sent letters to all XXXX credit bureaus and the company is still reporting on this closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: FL

Complaint narrative:
I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: FL

Complaint narrative:
I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.

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 2022-03-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-03-28 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 accounts have violated my rights : Dept. of EXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXr XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
With my life-savings, I purchased an HOA-Lien investment property from an public auction without any transparency on existing mortgage on the property. Once I received notification there is an existing mortgage, I personally & through my attorney attempted to contact the mortgage company ( XXXX XXXX XXXX ) on several occasions to pay-off or refinance which mortgage company refused to provide me any information on the mortgage regardless of being the legal owner of the property being financed. The mortgage interest has been accumulating and no payment has been made as I have no account number to send the funds. I believe the lender is thinking that it is easier to foreclose the property as the foreclosed property value vs mortgage balance would easily be retained plus all interest & their attorney fees but I would lose my life-savings. 

My attornery XXXX XXXX XXXX sent out the payoff letter dated on XX/XX/2021, there has no any response or reply, as the owner, I have attempted to contact the lender mult-times during one year of time, due to the confidential policy, they insisted to not provide any payment information unitl I have complainted to the XXXX XXXX XXXXXXXX , they informed me that the mortgage has been transferred to Shellpoint Mortgage Servicing, I have to contact them instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My new student loan provider, Aidvantage, has been charging interest to my accounts despite the CARES Act suspending payments and freezing interest rates at 0 % until XX/XX/2022. Payments I've made since Aidvantage took over my loans have largely gone to interest that has been wrongfully charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I was given an involuntary, unwanted upgrade on a rental car, resulting in a surprise, unauthorized additional charge on my credit card. Chase Bank says that because I received the service of the upgrade, even if it was involuntary and with no notice of approval of any additional charge, I am prohibited from disputing the charge. Moreover, the merchant effected fraud by purporting to show a document with my signature ; in fact, I made my signature on an electronic device that did not display the terms of the document the merchant produced. Chase likewise prohibits me from disputing the transaction upon this fraudulent representation of approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 18XXXX XX/XX/2022 TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX To whom in may concern : Please remove the extended Fraud Alert on my credit report. I do not want it. To verify my identity and address, Im including a copy of my drivers license, social security card and a recent bank statement. 

Thank you, 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 2022-03-28 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: FL

Complaint narrative:
I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get into Transunion credit freeze/alert through XXXX for the last two weeks in XXXX. I have a temporary suspension that they can not seem to lift. I have called at least 8 times and each time, they give me a temporary password and each time it fails. Sometimes, the code never comes. Sometimes I put the temporary password in and they ask for a new password but it still comes up " Temporarily suspended ''. Once I actually got in with a new password but tried to get in a second time but was temporarily suspended again. 
At one point last week they said that it has been " escalated '' and a Supervisor was supposed to call me back but after 5 days, nobody called back. 
So here I am with my credit frozen but if I need to unfreeze it, I won't be able to because of their issues and failure to resolve them. 
This is completely unacceptable. The time I've spent trying to get access to what is my information is now ranging in 10s of hours!

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
This is an invalid account- I have asked several times for information from Convergent supporting the validity of this debt and they have refused to give me demographics, dates of account open/close, signature to contract with original creditor, date of expiration, payments made to account and more importantly, my identification documents associated with this account. I would like this removed from my credit- this is the third time I have disputed with XXXX and next I will have to file for consumers assistance with credit reporting agency. I would like Date of account open Address associated with account Name on account Social Sec number associated w account Payments made to account Identification associated with account Contract signed/dated on account Date account expires off credit report Detailed explanation of account charges If you can not provide these than it is my right to ask for removal of this account from my credit report. Thank you for your time!

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 2022-03-28 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: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis are deceitful liars. I demanded they stop furnishing a bankruptcy that they were unable to verify as I have a letter from the court stating that they did not furnish information to any reporting agency. I also demanded a security freeze. I received a letter with a pin number for my security freeze. Then I received a letter stating they could not authenticate my identity to remove the unverifiable information, thus continuing to violate my consumer rights. They are liars because they were able to authenticate my identity with my drivers license and utility bill for the security freeze but somehow can not for the violation of my rights. I demand LexisNexis stop furnishing information about me and delete the unverified bankruptcy immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc.
State: MN

Complaint narrative:
The company First Collection Services have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with FIRST COLLECTION SERVICES and have no knowledge of an account with them and dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T bank pulled a hard inquiry on my credit bureau on XX/XX/2010, using a third party provider that pulls all three bureaus. 

I already filed one complaint and a letter M & T claims it sent me. I never received any letters from M & T. Note & T is the holder of my mortgage so I do get like the annual escrow letters. 

I never received any letters from M & T. 

They claim I hit a button on their website that authorized a refi application. 

If that is true why didn't I get an approval letter? or a decline letter? or and incomplete application letter. 

I want real proof of the actual web pages that i was signed into showing I checked a box to " apply ''.

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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Rushmore Loan has shared my loan status with cash buyers who call to force me to sell my condo being just 1-2 payments behind due to the COVID19 pandemic. Rushmore refuses to keep my payment information confidential. Late last year I put a password on my account so that anyone calling for information about my account would need to provide a password, but Rushmore refuses to honor my request. I did this by faxing a letter to Rushmore with the password that any inquirer must provide in order to discuss information about my mortgage account. This was done due to concerns I had when I was contacted by cash home buyers in XXXX when I had fallen behind on my mortgage. However, my mortgage is up to date and I am only 1-2 months behind. Yesterday on XX/XX/XXXX, I received a call from Rushmore saying I was 1 month behind & wanted to know if I was interested in selling my condo to a cash buyer or wanted to create a new payment plan. I was also informed that none of the payment arrangment options previously available were available now. Today on XX/XX/XXXX, I received a text from XXXX XXXX ( XXXX ) who says he wants to buy my condo for cash ( something similar occurred last year, which is why I put a password on my mortgage account ). When I checked online ( https : XXXX  ), I saw that a XXXX XXXX and XXXX XXXX XXXX XXXX are cash home buyersXXXX but neither is a real estate agent in XXXX XXXX XXXX is an estate surveyor in XXXX. Rushmore Loan Managment is interfering with my right to privacy and my right to stay in my home. It could be Rushmore employees that are stealing my data for their personal benefit and selling my information to would be cash buyers. In addition, Rushmore Loan refuses to identify the name of the investor in my condo. Rushmore 's conduct is oppressive and menacing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Commonwealth Financial out of XXXX, PA. Reported on my credit a new account as of XX/XX/XXXX. They would not give me a date of first deliquent stating they received the file in XXXX. I have tried to talk to them about it since they call up to 3 times a day but they would not send me any information on when the debt first occurred. The debt is a medical debt that was paid back in XXXX. A remainder remained on the account but when I moved the debt transferred to a collection agency because they were unable to contact me and from there I have no clue what happened. But given that the statue of limitation in Texas is 4 years and in Tennessee is 6 years the debt is well past those limitations. This debt needs to be deleted ( not settled or closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XX/XX/2022 I was approved for the Paypal Cashback XXXX  credit card with Synchrony bank, the 2 % reward card. The card was then linked to someone elses paypal account who then made fraudulent charges. I had them cancel the card before the physical card had shown up in the mail. After issuing a new card and receiving it in late XXXX, Paypal has not linked this card to my Paypal account. I have no online portal to access this card or its statements. I also can not get any rewards from this card as they are all paid directly into the paypal account with no way around it. There is no alternative offerd by Synchrony. I have attempted dozens of times calling them over XXXX, and XXXX, until now. They have submitted 3 linking requests, none of which have worked. I call paypal, spend 2 hours on the phone as they transfer me and re route me or hang up on me, and end up being bounced back and forth between Paypal and Synchrony bank. Paypal blames Synchrony, Synchrony blames Paypal, and not a single person has stepped in to help. I have no way to get any further with either of them. XXXX and this card still is not linked to my account and there is no sign of progress or help from anyone to get it done. 

This is already a complaint I have filed once. Paypal never fixed the issue. they blamed synchrony. and synchrony still says they can do nothing. Someone needs to fix this

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