vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account 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 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I've been using PayPal for quite some time. I've never been involved in any dubious business dealings. My account has been verified in accordance with the terms and conditions stated. However, on XXXX XXXX XXXX XXXX XXXX XXXX., Paypal sent me an email informing me that my account has been permanently restricted for no apparent reason. This is completely unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Recovery Services, Inc.
State: RI

Complaint narrative:
I requested from this company the original debtor and all the pertinent information. I wanted the last payment date from the original debtor and any other information they have sent to me in mail. I never received anything at all from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2022, I was looking online for current mortgage rates. I was not applying for a mortgage, nor looking to refinance. I was ONLY looking to see the current rates. I began entering information and I had already entered my address when I decided I would not be giving any more information because I did not want to receive multiple calls regarding mortgages. On XX/XX/2022 I received two letters from rocket mortgage signed by XXXX XXXX, XXXX number XXXX. 
The letter states that they were unable to help me with a loan because of debt to income not supported. This is probably because I did not give them any information. It says they did not pull my credit report in making this decision, but the letter stated that it was a denial of home financing. Regardless of whether or not a credit report was pulled, I do not like the fact that they say I was denied financing when I didnt apply for any financing whatsoever. What is the purpose of these letters?? I dont want anyone creating false information that I was denied for financing. I have excellent credit, and when I do choose to apply for a loan, I will have no problem getting approved. There is something off about getting a denial letter when I didnt apply for financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: WA

Complaint narrative:
1. Discover never approve my credit line increase, so I have to make payment on a daily basis so that I can have enough credit line. 2. Making a payment on a daily basis does trigger an eight ( 8 ) days hold, but can simply be resolved by calling my bank for verification. 3. Nonetheless, Discover had placed a XXXX hold on the account just about two ( 2 ) weeks now, and heard no news from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I have a mortgage that is serviced by Selene Financing. My mortgage is currently under a chapter XXXX bankruptcy. My attorney has given Selene Financing an official notice that I can communicate with them directly. For some time now, and even before the bankruptcy, I have attempted to contact the individual over our mortgage account at Selene Financing. Each time I ask a customer service rep to connect me directly, Im told that the account manager does not have a direct line. When I ask for an email address, Im told that they cant be contacted by email. 
I have also put in for a modification. When I refuted a couple of items in the modification plan, I was asked to write a letter of dispute and send it in with the modification agreement they sent. I did that. I followed up and they told me that they received my letter as well as the modification document attached. I followed up weeks later to find out the status and now Im told that I never sent in the modification document with the letter of dispute. Thats been since XXXX of 2021. I still have not heard back from the underwriters or the account manager. There is something terribly wrong here and I need to get to the bottom of it. 

Please direct me to anyone or any department that oversees the mortgage lenders or servicers. Your assistance would be greatly appreciated. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: AZ

Complaint narrative:
I used XE.com in order to send money to my father in law down in XXXX. First, I sent a test transaction of {$1.00} to ensure it would transfer, and my father in law did receive that transfer. Then I sent the full amount I needed to transfer, which was {$1400.00}. The money was taken from my XXXX XXXX bank account on XXXX, and according to the XE.com website, it was delivered to my father in law on XXXX. But my father in law never received it. So, on XXXX I started working with XE.com to try and track it. So far, I have provided XE with my father in laws XXXX  number and his ID number. I even had to send copies of my father in laws bank statements in order to prove he hasnt received the money. I found that offensive and invasive, but I complied with XEs request. Now, its been well over a month, and I still dont have any resolution. I either want the transfer to go through or my money back. I have been asking them for updates, but XE has stopped replying to my emails for the past 4 days! At this point I dont know what to do, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
This goes with my earlier complaint XXXX. PHH Mortgage services has hit my XX/XX/XXXX and XXXX but i missed the calls because i was at the hospial with my father. I called them back on XX/XX/XXXX to see why they were trying to contact me only to get told there is nothing noted on my file and they have no knowledge of anyone trying to contact me. Hopefully you can help me find out the reason they were calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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:
The Credit Bereau 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 You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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:
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, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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 2022-06-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-10 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:
The Credit Bereau 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 You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
The company Venmo claims that I have done something to cause them to close my account they have frozen my money almost {$400.00} nobody will give me a reason why nobody will help me find out how to get the money Ive done absolutely nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
The Credit Bereau 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 You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-10 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: SC

Complaint narrative:
After thoroughly looking at my credit report, I do not recognize these inquiries listed below. I understand there has been a data breach in XXXX with Equifax in which I was a part of and I notified Equifax of these marks on my credit report with no help : XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX Bank XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
The Credit Bereau 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 You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i had a savings and checking with Bank of America. I owed child support in the state of illinois but they are garnishing my wages for arrears owing. on XX/XX/2022 the state of illinois  wipe out my checking and savings account with a total of approx XXXX Bank America is now charging me fees for the levied fees - the stated of illinois also sent a notice to the bank with the wrong amount owing and i might be levied again when the balance is already paid

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 2022-06-10 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Integrated Recovery Services
State: FL

Complaint narrative:
XXXX XXXX XXXX added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from XXXX XXXX XXXX. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc.
State: NJ

Complaint narrative:
Recovery Management Solutions continously calls and violates FTC guidelines by not identifying themselves as a debt collector PRIOR to asking me to identify myself. 

RMS continues to call and ignore my request to to cease and desist calling.

RMS has ignored my dispute of any debt included in my XXXX XXXX bankruptcy filed in XX/XX/2016.

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