vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: AL

Complaint narrative:
Hi yes I had a charge for a newspaper through pay pal that I opened a fraud charge case with pay pal about. They did not believe me that someone else was using my account snd refused to refund the account. Now today I login and see where pay pal has deducted XXXX for XXXX XXXX but I do not use XXXX XXXX. I have a XXXX XXXX but its linked to my XXXX federal credit union account directly and not through pay pal. All though I also have that account linked to pay pal I dont use it via XXXX to make purchases. I hope that makes sense. As in I do have the XXXX account linked to pay pal but I do not have pay pal linked to my XXXX wallet nor do I use XXXX XXXXXXXX  or XXXX XXXXt. Instead I have XXXX XXXX purchase taken directly from my XXXX as I figured having pay pal as a middle man was silly. This is another reason I think someone else is using my pay pal account. Now I have to change my pay pal account password which I have done multiple times. And today after trying to file a refund for charge, pay pal is suddenly saying that my password is incorrect. I know this is not the case snd screen recorded me changing the account to the new password and recorded it saying my new password is incorrect. So pay pal is locking me out of my account to even request a refund or contact the help support. I supposed they will count this time Im locked out against me in the time they allow for refunds. Ive tried to email snd call but no one will answer or email me back. XXXX XXXX XXXX, AL XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Wallet was stolen and all cards at the time were cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting Act 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 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting Act 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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two charges of {$79.00} were charged to my account on XX/XX/XXXX and XX/XX/XXXX. Both of them were supposed to be refunded, but the merchant only refunded one. I disputed the XX/XX/XXXX charges, but the bank did not provide me a provisional credit nor award me the dispute as they were confused thinking the merchant had already refunded it when the merchant only refunded one out of the two. 

The same thing happened with a double charge of {$80.00} on XX/XX/XXXX and XX/XX/XXXX as well where only one was refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX AXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXXXXXX 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

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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. FirstPoint Collection Resources , Inc. has been notified via certified mail to show validation of debt along with an audit trail which they failed to provide. FirstPoint Collection Resources , Inc. has also reported an alleged debt to XXXX, XXXX and XXXX which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TX

Complaint narrative:
On XX/XX/22 complaint # XXXX. 
Complaint on XXXX companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX XXXX - {$710.00} B ) XXXXXXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX.XXXX XXXX XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring oak capital claims to XXXX XXXX that I owe a debt from XXXX XXXX  XXXX  opened on XX/XX/2019. I never opened a card with this bank in XXXX  and Im disputing this debt, the statements they attached to the XXXX XXXX response has an address I never lived in, I never lived in the XXXX XXXX  XXXX and live in the XXXXXXXX XXXX XXXX XXXX and live in an accessible building since XX/XX/2019 on a XXXX XXXX which would make it impossible for me to have opened any cards at that address at that time period. Please remove this fraudulent account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/22 Complaint # XXXX. 

XXXX XXXX XXXX- {$770.00} Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I bought appliances from XXXX on XXXX  months same as cash. The Bank who services their accounts is Synchrony Bank. A few months went by with no problems. Then in XX/XX/22 and XX/XX/22 I received a text that they had not received my payment. XXXX had sent them the payments electronically. They had me go to the bank and obtain documentation that they had sent the check. I submitted the required documentation. They accepted the documentation from XX/XX/22, but not XX/XX/22. They placed a comment on my credit report and then removed it. I produced additional information and they sent me a letter that they had reversed the decision and accepted the documentation. Everything seem to be going well until I saw they added the 2 payments to my statement, but deducted 3 more payments. So they were stealing {$670.00} from me. I called and one man tried to tell me he did the math and the balance was correct. After I told him the math was wrong he then transferred me to a supervisor. She explained they add the payment provisionally then decided to take it back. She couldn't answer to why that happened or what to do about it. She told me to call the CEO. She said she could start another payment dispute case to which I agreed. I am willing to pay off the balance and get them out of my hair. I am unwilling to pay the additional money they are trying to add that I already sent them.

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 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Ive applied and got the American Express Delta Airline Gold card with the 70,000 miles sign on bonus included. After I pass the spending requirement, Amex didnt give me the bonus. I called customer support many times and they were extremely not helpful and said things that are unrelated to me such as ( you had this card beforewhich is not true since its my first Amex Delta card! ) Im XXXX off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: GA

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

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 2022-06-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
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 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct 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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I re eived an email about an increase in a debt by a company representing XXXX that I don't even recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have morgage with shellpoint and they've been increasing my monthly payment more that {$500.00} because of the wrong " calculation with the escrow. I used the forbearance program for XXXX XXXX due to the covid situation but even in those months i added money to my escrow account to reduce the balance. I requested a payoff and after almost XXXX  years with this loan they are changing me {$10.00} more of my original loan amount, when a called them they said that i have to pay double interest for those XXXX months that i was in forbearance, also they changing me {$7000.00} of " recover fees '' but they can't explain what is that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS. 

These are the accounts below.I 've also attached documents showing the attempts trying to get this matter resolved. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.Someone named XXXX XXXX reached out to me recently regarding this issue and failed to respond back to me about my issue and correcting it. Ive contacted their Regulatory Complaints team and still have not gotten a response or a resolution. This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. My previous employer stated that they were going to deposit money in my account and lied and had his checks bounce. As I stated, it was not intentional to make non-negotiable deposit, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new. 
Ive been trying to get this issue taken care of for several years now and nothing has happened. I was told that the fraud reporting would be removed off my file and to the consumer reporting agencys. Nothing has happened. Ive never had any other issues with any bank. This was several years ago and I have since left that employer. This has caused me so much distress and discomfort and it has been a struggle. I am in the process of buying a home and this flagged fraud account is affecting me.

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