vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
according to apple/gsbank apple card does not have a limit which is absolutely false these guys are reporting false statements on my credit report.. also these guys have violated my rights time and time again according to 15 USC 1681 my right to privacy by reporting incorrect statements!! apple does not have the right to furnish my account without my written consent which is a direct violation of the privacy act in truth in lending in truth!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I purchased and air intake and I thought PayPal only give the seller the money when I receive my item but they denied my refund and I never even got a delivery date just a date they would receive funds from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are addresses listed on my credit report that I have never lived at : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NY

Complaint narrative:
I told this company to cease all communication. but this company is still showing on my report I know that consumer law cease of communication also meant to stop the communication of whats being reported on my consumer report. Stop communicating on All MEDIUMS DIRECTLY AND INDIRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are addresses listed on my credit report that I have never lived at or incorrect : XXXXXXXX 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

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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has been restricting my account for no reason. I have been trying to make transactions with a bank account that I've always used with my account for years and had no issues. I've had no issues with my account for years, I've made plenty of purchases with my XXXX account for years with no issues what so ever until now. 

I've had multiple transactions denied saying " suspicious activity '' for no reason. I've had multiple requests to verify my identity with photos of my license, for no reason. I've successfully went through and verified everything. I try to add another payment method for my account, and I get asked to verify ID again. 
Then I go to make a purchase and I can not. 

I reach out to support to ask what is going on these last two weeks. They said my account was restricted to not being able to use my debit cards, and refused to provide a reason. 

I have done absolutely nothing wrong or anything. This is completely unjustified and wrong, and should be illegal. Their refusal to help me is absolutely insane for a financial company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 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: OH

Complaint narrative:
There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA 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 2022-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I have applied for Mortgage Financing on my new home with Better Mortgage, I recieved a pre approval letter, reviewed it with loan officer, sent all required paper work and locked the rate on FHA 4.625 % XX/XX/XXXX, for 30 days. I have signed a contract with the home seller to be closing XX/XX/XXXX. The loan team started working on asking paper work and I was getting everything they have been asking for and XX/XX/XXXX. They have removed contingency on my loan and gave me approval to submit for my seller. So far everything is good.they sent final disclosure and I signed it.which can not be changed at this point!!! After 4 weeks of working with them and 1 day before closing..I recieved a call from Better Mortgage File Processor that my FHA loan can't be approved for realy not a valid reason, the guy who talked to me had no clue why!! He was saying the income of my business is not for 12 months it only for 9 months, However I have been asked to submit only for XXXX, and nonome asked me to submit information for business profit on XXXX, they want to make it my fault trying to escape from the rate that I have already locked. And he suggested that If I want to close on time I should switch to conventional loan, they jacked the rates up, and they didn't want to owner the rate that I have already locked. In adition to all that they're increasing the loan cost and taking advantage of me because I need to close as soon as possible or I will lose the contract, these guys with their dishonesty and their illegal actions of changing costs and points and rates without even reviewing and telling. and sending me forms to sign imagining I'm not going to read what I'm signing on 1 day before closing. 
I want to report this, please someone look into my situation with this lender and I need to be compensated for all damage they caused.. I have to move out from the place I rent tomorrow and we basically have to stay in a hotel because they have delayed closing and bending my arm after all the approvals Inhave rexieved and after receiving a final disclosure to agree with last minute changes to the loan cost that is requesting additional {$19000.00} and a very high PMI more than what I have been told before at the beginning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have sent convergent outsourcing multiple letters to fix errors on my credit report and to request information on an account they are reporting on my credit. On XX/XX/2022 I sent a letter asking them to validate the debt. I then followed to send another letter on XX/XX/2022 asking them to provide the day of first delinquency with the original creditor which I did not see anywhere in the response to this letter. I most recently sent a letter on XX/XX/2022 asking for additional documents but they said they didn't have to provide any more details regarding the account.

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 2022-10-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX Experian CRA -Acct # XXXX - Transaction history reporting on consumer report XXXX XX/XX/2019 XXXX XXXX XXXX  Experian CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX BANK Experian CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be DELETED from my report due to privacy violations along with civil liability for the violation of my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-10-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be removed from my report due to privacy violations along with civil liability for the violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
the Apple card is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In XXXX my Sony XXXX XXXX switched from XXXX  XXXX to comenity as the card company. I have always had my card on autopay and upon the switch I dutifully set up autopay with the new company. The autopayment did not occur despite email confirmation that it was setup. I contacted comenity, the new company, as soon as I realized the issue. I was charged a late payment and interest. After confirming the error on their end they cancelled the late payment charge but never refunded my interest. Fast forward to XX/XX/XXXX when their website went down. I could not make a payment and was nervous because of the previous issue. I set up a payment in the alternative way they recommended but ultimately was charged twice. Fortunately I was able to get the overpayment back but ever since that time I have not received any reward points despite still using the card regularly and paying on time. The company says only that they will fix it soon but it has been 3 months + since I have received any rewards and the company will not give a date for when the reward points will be credited. Also after the web update all of my old secure messages about the issue became unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: CA

Complaint narrative:
the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682

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 2022-10-01 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: CA

Complaint narrative:
the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank was charging me for unnecessary fee to my accounts causing it to overdrawn every week

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed an old XXXX XXXX XXXX XXXX account numerous times explaining to Experian that under The FCRA a negative account is to be removed from credit after 7 years from the first date the payment went behind. This account is from XXXX but they are dating it from the discharge of a bankruptcy in XXXX. We are now coming up on XXXX  years and they continue to verify it and will not remove it even though I have explained this to them a million times. It is in regard to credit report number : XXXX from XX/XX/XXXX. The Account is XXXX  ( XXXX XXXX XXXX XXXX ) Account number 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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NM

Complaint narrative:
I was given a vanilla gift card from a client and when I attempted to use it, almost the entire balance was gone, for a total of {$190.00} missing from a purchase that I did not make. I contacted the company and filed a dispute on XX/XX/22. I was told that I would be contacted within 60 days, I have called and email multiple times because it is far beyond 60 days but no one has responded to me or contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX an unauthorized transaction was made on my credit card through my PayPal account for {$360.00}. Then again on XX/XX/XXXX a second unauthorized PayPal transaction was made on my credit card for {$250.00}. This was a fraud charge, I immediately called my bank and closed my card. I contacted PayPal and their response was no unauthorized use which I find completely unacceptable. The party that received my money dont even sound like real people, the first account was to XXXX XXXX and the second to XXXX XXXX XXXX used to purchase the same good XXXX twice. I do not feel accountable for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: MA

Complaint narrative:
On XX/XX/22 I tried to access the rewards points on my GM Rewards card online. The website would not send me the verification code I needed to do this. I tried to resolve this issue in an online chat and over the phone. Both reps promised to escalate the issue and have someone contact me. No one has contacted me. I tried again to access the points, but the website simply will not provide the verification code needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I am making payments for a loan given to me directly by case XXXX XXXX University. They are charging me 6 % interest and my balance is going up instead of down despite making payments. XXXX XXXX XXXX is refusing to release my transcript until the entire amount is paid and its preventing me from getting a job because XXXX cant get a professional license without my transcript and Ive tried several times to work with them and they refuse to do anything until I have paid the loan off in Full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage trans go over to a new servicer and tripled in payment. It went from a little over {$1100.00} to XXXX. I called Mr. Copper, the new mortgager servicer and they advised my escrow went up significantly and I should call the county tax accessor. 
I called XXXX XXXX tax office in XXXX Va and was told that I did not have an outstanding tax bill. The next tax bill due would be in XXXX. 
I can not afford this bills increase and still live. 
I relayed the message to Mr. Coopers rep XXXX XXXX and proved the documentation provided by the county office.

Company response to consumer: Closed with explanation