vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XX/XX/2022 my wife and I believed we were purchasing 2 Electric Bikes from a XXXX XXXX sale via XXXX using our Barclay JetBlue Plus card and the total price was {$150.00}. 

After the purchase, I received a XXXX receipt from a vendor who's name contained all XXXX characters. I immediately called XXXX and asked if they carried the Electric bikes and they said they did not. I then contacted both XXXX and Barclay 's JetBlue Plus card customer service to stop the transaction but was told I could not stop it and I had to wait 7 days before opening a dispute. 

I waited the 7 days and opened disputes with both XXXX and Barclay 's Jet Blue with all the detailed information. Both disputes were closed and I was told it was due to the fact that I failed to show that I returned the merchandise. 

I informed them I did not receive any merchandise and they said the USPS tracking number provided showed it was delivered. I contacted my local post office and they said the tracking number was not associated with my address and they suggest I fill out a fraud report at the Post Office Inspector site.

I did so and the results stated According to our records tracking XXXX XXXX is a 3 oz. package and is not destined for my home address. 
When I notified Barclay JetBlue about this I was told rather rudely, they do not credit customers for purchases which are scams.

This is not what I call credit card protection or good customer service so beware.

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 2022-06-23 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: AL

Complaint narrative:
I am a consumer, natural living breathing person. I am writing this complaint with my own free will and I am not being coerced by any third party or agency. I am aware that Experian has used my personal information without being in accordance with the law. As of XX/XX/2019 I am aware that Experian has been fraudulently using my personal information and furnished an item to my consumer report which should be excluded according to 15 USC 1681 ( 2 ) ( A ) ( i ). As transactions and history should be excluded from consumer reports. I have never given Experian direct consent to furnish a consumer report on my behalf which also violates 15 USC 1681B ( 2 ). The following account should be removed XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2019 XX/XX/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 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
Spanning from XX/XX/2022 until XX/XX/2022 There was fraudulent activity and money stolen from our personal checking account. Money was transferred from our XXXX XXXX checking account to a online digital wallet entitled coinbase, money was then hacked or transferred to the fraudulent account. Despite our best efforts, Coinbase will not help us recover lost funds or reverse the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
" Borrower '' emailed " Shellpoint '' the attached " QWR '' on XX/XX/2016, at XXXX XXXX  EDT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 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 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 US DEPT ED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — VA mortgage
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: PLANET HOME LENDING, LLC
State: NV

Complaint narrative:
So I did a modification with the new loan amount and payment due XX/XX/XXXX. I made the payment on XX/XX/XXXX on time but my credit report reflects that the payment was late more then 39 days or not made I called them they flagged it said give them 2 weeks to correct and I did I called back they said that what was reported was correct will not say anything about my payment wether received or not the past due amounts closed with the new loan papers from before XXXX my XXXX payment was on time it should be reflected as XXXX being so. They are never copertive they always tell me something that they don't do u have other obligations that this effected along with XXXX point dump on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: DE

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 2022-06-23 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: DE

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 XXXX ( XXXX XXXX XXXX XXXX ) XXXX Credit Card XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX FINANCIAL XXXX # XXXX XXXX FEDERAL XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, Inquiries : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Finance ), XXXX XXXX XXXX bank ( 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
These inquiries are fraudulent and should be removed Immediately of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF PA XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX {$610.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX Balance : {$970.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, my XXXX credit report showed a derogatory mark, that a report had been filed with a collection agency. The collection agency : Bull City Financial Solutions, supposedly opened a collections matter for approx {$270.00} on XX/XX/XXXX. XX/XX/XXXX is the first time I learned that such a matter had been opened. I contacted the collections agency, and learned that an account with XXXX XXXX that closed in XX/XX/XXXX was referred to collections. This is the first I learned that such an account existed. The collections agency could only give me the creditor name and account number ; however, could not give me a name or address associated with the account. When I attempted to search for the account online in the XXXX XXXX account portal, there was no account listed. I contacted XXXX XXXX 's customer service team, and they were unable to find any record of an account with the account # provided by the collections agency in their system. I spent several hours on the phone with XXXX XXXX customer service representatives, and none were able to locate any documentation associated with the account ending in # XXXX. Despite it being more than 30 days since the collections matter was opened, I have not received a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCHRONY ( paypal credit ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX All sent me denials to open a credit line. 
I have not applied to these creditors.

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 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a bussiness credit line credit card since approx XXXX  it was a continual line of credit. 
For all those years I made payments monthly. During the pandemic I was unable to make payments due to business being shut down and rent moratorium A large amount of my income is from the XXXX. I finally got business up and had a few escrow closings but I still had to pay my agents who did the transactions. I also after over two years I received some not all of the rent moratorium funds. As soon as the funds were in the account and I was going to pay some of the debts over the pandemic time without any type of written notice that I need to pay payments now they went into my acount and withdrew most of the mmoney. They never told me even after they froze the accounts I found out on my own when tried to make house payments to bring house current so doesn't go into foreclosure. Wells Fargo just says they can do it and too bad. All over their web sites they say how they will help businesses. This was the low of the low as far as I am concerned Also the representative says I still owe {$8000.00} and if I don't pay monthly they will report and damage my credit. I never got any further information in writting of the payments and where or how they need to be made. All she said was pay to me. 

You for your assistance

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 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Company reported me 30 days late when I was on automatic withdrawal. 
I never had a 30 day late. I am requesting that the XXXX request all payment history in writing from Credit Acceptance. This will show there was never a 30 day late and I am asking them to correct this or I will escalate the issue. 

Further, in the beginning of the loan. If payments were received after the due date, they took the money ( late fee $ ) from the payment 1st, then apply the remainder interest and then principal last. 

Towards the end of the loan, they " stopped '' this practice.. And stopped collecting any late fee 's from the automatic withdrawal payments and " rolled them over '' The account was on an automatic withdrawal for years.. If I was running late, where are the letters requesting payment of the fees? Why did you not collect any fee 's from my automatic payments. 

Further you can see late fees in XXXX Again, when payments are not received in the grace period, they took the incoming payment and applied any of the payment towards the LATE FEE 'S first, then the remainder to INTEREST, and whatever was remaining to principal. I am not sure when they decided to switch that and " roll over '' fee 's for months.. It's unethical and illegal. If this is not fixed, I am filing a lawsuit.

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 2022-06-23 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: NJ

Complaint narrative:
VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}

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 2022-06-23 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: NJ

Complaint narrative:
VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NC

Complaint narrative:
On XX/XX/2022 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to XXXX and Transunion to have the inquiries removed. It has been nearly XXXX months and they are still on my report. XXXX and Transunion both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with XXXX today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation

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 2022-06-23 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: NC

Complaint narrative:
On XX/XX/2022 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to Equifax and XXXX to have the inquiries removed. It has been nearly XXXX months and they are still on my report. Equifax and XXXX both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with Equifax today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting. 
Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1691 section 602 A. States I have the right to privacy. 

15 U.S.C 1691 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

XXXX XXXX XXXX XXXX XXXXial XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX FL XXXX THIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX GA XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME I NEVER WORKED FOR XXXX OR 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