vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
XXXX XXXX is the unable to provide certification and official documents to validate accuracy to the XXXX Bankruptcy XXXX XXXX # XXXX shows on my XXXX XXXX from XXXX and Experian credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is 100 % accurate on there file. Multiple individuals, under my name shows on records, and XXXX XXXX or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.

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 2022-11-14 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: IA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-11-14 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Made lump sum payment on loan with Marcus Goldman Sachs of XXXX on XX/XX/22. Received a bill for remaining interest amout that was due XX/XX/22 for XXXX. Made payment on XX/XX/22. Was reported 30 days past due on credit report. Disputed with XXXX payment status, was removed. 30 day marker reappeared after creditor sent same info, did dispute with XXXX a second time, creditor falsely reporting account now was 60 days past due, yet account was already closed XX/XX/22, today is XX/XX/22. Submitted a 3rd dispute with XXXX because creditor will not update correctly and would like assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My Citi Card will not allow me to make changes to my profile as it says I am authorized user which I am not. I am the only card holder and primary I have spent hours on XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX trying to resolve. They transfer me around to about dozen different departments. They have reset my user profile and it still says I am authorized user. On XXXX  I spent my time from XXXX XXXX  being transferred overseas to numerous departments and all refused to let me speak to a supervisor. On XXXX  XX/XX/XXXX same issue. All says my account is fine need to talk to technical support. I am not able to change my profile or access my Thank you Rewards points. I am the primary card holder. They have refused to let me speak to a supervisor or transfer me state side to speak with a rep.

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 2022-11-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act SYNCBXXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, Today I received a transaction from XXXX for the amount of {$650.00} to a Fraud company call XXXX. XXXX claims that is the bank responsibility and Chase that is XXXX. At this point I hasnt been help to recover my funds from any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Airtm Inc.
State: FL

Complaint narrative:
Many days ago my AIRTM account was limited, said account was already verificated, one day I wanted to withdraw my funds and they simply restricted it without giving me any reason, I have tried to communicate with them many times by support emails because it is the only form of communication that gives the platform but they don't offer me solutions, they only answer automatic messages saying that I should wait, they don't allow me to have my money and this has caused me many problems. I have many days without withdrawing my funds by any way and the company does not offer me any solution, with each passing day they harm me more, in fact the price of the currency exchange has dropped significantly and I have let them know through multiple emails that I need to have my money but it has been in vain because I have not received a timely solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am currently in the process of selling my home and I received a previous payoff amount of $ XXXX which was reduced thanks to your help! However, I received a payoff quote from the mortgage title company which stated that I still have a payoff amount of $ XXXX even though almost $ XXXX was forgiven. I contacted my relationship manager with Select Portfolio on XX/XX/2022 at about XXXX eastern time and I was told about the breakdown but there was almost $ XXXX in fees and other services included and when I inquired about the other fees I did not receive a definitive answer. I was told the fees came from my bankruptcy attorney which makes no sense because he was confused about the fees as well. There is also a $ XXXX XXXX on the property from Select Portfolio that was not filed in the bankruptcy but they are now seeking payment for, I assumed the $ XXXX was 20 % of the mortgage and included with the $ XXXX payoff balance from before. Select Portfolio Servicing is making it difficult for me to sell my home and time is running out for me to sell as the closing date continues to change and I'm afraid the buyer will walk away if we continue to delay. My question for Select Portfolio is where is the additional $ XXXX in fees and other services are coming from and why was the $ XXXX XXXX not filed in the XXXX XXXX so that it could have been paid off. I assume this was included in the $ XXXX mortgage payoff and this company is attempting to double dip. Thank you for your assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately,

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 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: KS

Complaint narrative:
My loans were transferred roughly 90 days ago and my account still fails to reflect how many payments I have made, or how many payments I have left before my loans are XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Name : 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

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 2022-11-14 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 XXXX XXXX Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
I went to the location to get my print out of all that I paid and all I ever borrowed and this is what they gave me I do not owe them a dime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
Credit acceptance repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.

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 2022-11-14 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: NV

Complaint narrative:
Delete all of these hard inquires immediately. 

EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX  Credit Unions XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  All Banks ( XXXX ) XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: IA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : 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. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX Account Number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-11-14 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: NV

Complaint narrative:
Delete all of these hard inquires immediately. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, 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 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

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 2022-11-14 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: MD

Complaint narrative:
I received an alert from XXXX XXXX today that I had a hard inquiry on my XXXX and Equifax from XXXX XXXX XXXX! I have not applied for any credit from XXXX XXXX  XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, 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 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
According to letters that I received from U.S Bank, I was supposed to receive {$13000.00} worth of provisional credit from fraudulent charges on my account. In the letter dated XX/XX/XXXX, it says, " Please note, provisional credit totaling {$13000.00} will be provided 10 business days after receipt of your OCC concerns, which was XX/XX/XXXX, if the claims are not complete by that day. '' I did not receive the credit that they themselves said I would and it has been more than 10 days. In a previous letter from XX/XX/XXXX that I received in the mail, it said that they would need the claims in writing which I provided, but they did not give me proper time to submit them in writing seeing as they said they must receive them in writing 10 days after initiating a claim.

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 2022-11-14 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:
Unauthorized and unrecognized hard inquiries on TransUnion credit report for activity dated XX/XX/2021. I have requested validation of authorization from TransUnion. 

Multiple request to have inquiries removed submitted to TransUnion. I requested validation via producing document with signature authorizing said transaction for each company.

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 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX payment made within grace period. Due to an error on my part I wrote the correct amount on my check when i wrote in the numerical amount in the box on the check.. However when I wrote the amount out in the text field, I neglected to put XXXX  cents after the full dollar amount. 
I was unware of this error until I received a phone call saying I was delinquent on XXXX  Delinquent for XXXX cents? Wouldn't it make sense to take that amount from my escrow account that had thousands of dollars in it? But instead Valon chose to show me delinquent. Again, I received this call on XX/XX/XXXX. It was recorded and the gentlemen I spoke with assured me that I would not be charged an over {$50.00} late fee. 

I sold this property and escrow closed on the XXXX XXXX XXXX When I received the final closing statement, much to my surprise it showed that a {$52.00} late charge was included in the payoff amount. 
As an XXXX XXXX XXXX XXXX  who made a simple mistake I am sure that Valon can not justify a {$52.00} late charge over a XXXX  cent payment shortage. And of course, the call recording will show that the agent I spoke with agreed that a late charge would not be assessed. 

For clarity, my account will show a {$13000.00} payment on XXXX That amount was held in suspense until I paid {$10.00} with the agent on the phone on XX/XX/XXXX. Seemed silly to make an ACH payment for XXXX cents.

Company response to consumer: Closed with explanation