vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: NJ

Complaint narrative:
My rights have been violated by XXXX XXXX and Experian. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX 2020

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 2023-05-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account from commenity bank account number 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 a 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. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Exeter Finance, LLC.
State: MS

Complaint narrative:
There is a discrepancy of a late payment for my Exeter account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. 

Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CA

Complaint narrative:
Dear PayPal Team, I am writing to express my dissatisfaction with the permanent limitation placed on my PayPal account ( email : XXXX ). I strongly believe that this limitation was made in error, and I would like to appeal the decision. 

First and foremost, I would like to emphasize that I have not violated any PayPal policy. As a responsible and law-abiding user of your platform, I have always followed your terms of service and community guidelines. I have never engaged in any fraudulent or suspicious activity, and I have always cooperated with PayPal in resolving any issues or disputes. 

Therefore, I was shocked and deeply disappointed when I received notification that my account had been permanently limited. I have reviewed my account activity and have found no evidence of any violations or breaches of PayPal policy. I believe that this limitation was placed on my account as a result of a misunderstanding or error on your part. 

I kindly request that you re-investigate my case and consider restoring my PayPal account, if possible. I believe that a thorough review of my account activity will demonstrate my compliance with PayPal policies and my commitment to using your platform in a responsible and trustworthy manner. 

I hope that you will take my appeal seriously and give it the attention it deserves. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for this account, and it is causing me significant anxiety to see an inaccurate late payment on my account. I have never missed a payment and I am pleading with you to remove the incorrect late payment from my account as soon as possible. It is difficult for me to come to terms with this issue and it is affecting my ability to sleep. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have consistently made on-time payments for this account, and it is causing me significant anxiety to see an inaccurate late payment on my account. I have never missed a payment and I am pleading with you to remove the incorrect late payment from my account as soon as possible. It is difficult for me to come to terms with this issue and it is affecting my ability to sleep. Please update my account promptly.

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 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 l received a letter that no partial payments are accepted. I applied through the state of Florida DOE program and they are paying my mortgage. At the time l applied my mortgage was less {$47.00} but somehow my mortgage Escrow increased. Im not sure why and no one has explained. However, the state of FL DOE has made payments on my behalf and l was paying the difference. But now XXXX XXXX is sending the payments back and rejecting payment because its lesser {$47.00}. I have attempted to pay the difference but have been faced with the bank stating no partial payments will be accepted. This is absurd and l feel like the bank is trying to force my home into foreclosure by not accepting payments from the state and l pay the difference. They also have my cgecking account on file but are being very nasty. I may have to resort into taking them to court if no remedy is sought or reached. I feel they are being evil and nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Pursuant to 18 USC 8. I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1 681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA

Complaint narrative:
Fraud or scam I'm not the one with these debts want to remove any negative items on my credit

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 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
am trying to transfer my funds from an existing XXXX account to a new one and they have given me 2 different dates that they issued checks yet I have not received either one of them. My money has been gone from their account since XX/XX/XXXX. I do not have the funds, can not use it to pay medical bills and am losing interest on this amount. Every time I contact them the check and time I will receive it changes,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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.

This company has violated these terms for the following months. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of 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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
event # 1 : In XXXX I made a payment that was " held '' for 2 weeks. I've never experienced that and they told me it was because it was a new account and wouldn't happen again. As a result I was unable to use the card and it created personal and financial problems as I missed other payments. 

evnet # 2 : I got declined using the card today ( XX/XX/XXXX ) because the payment I made on XX/XX/XXXX was " on hold ''. The credit line is $ XXXX, and I've made {$28000.00} worth of payments and right now the credit limit is {$1500.00} rather than the $ XXXX I was expecting. 

Spoke to an agent, elevated to supervisor and they told me tough luck they can " hold '' my payment up to 24 days, and there was nothing to do and that the earliest it would be released is XX/XX/XXXX. 

I'm financially damaged by all this I feel misled by the first person in XXXX that this wouldn't happen again and I would have changed card companies had I known because I've never experienced this in my life.

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 2023-05-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # 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 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 explanation
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. section 602A states I have a right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive sent dispute a letter to XXXX, TransUnion and XXXX detailing harmful errors existing on my credit report currently.

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 2023-05-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive sent dispute a letter to XXXX, XXXX and Equifax detailing harmful errors existing on my credit report currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
This Medical Debt Collection on Credit report for ACCOUNT RESOLUTION SERVI keeps being removed then reappears back on my credit report fraudulently!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY
State: FL

Complaint narrative:
Interfirst ( XXXX XXXX XXXX, XXXX, XXXX ) holds mort on my home. I received annual escrow analysis in early XX/XX/2023. I was paying $ XXXX. They made a mistake and showed an insurance payment to be made in full in XXXX and XXXX ( always paid in full in XXXX only ). They didn't actually pay it twice, but because of this mistake, projected a shortage in my escrow. Said my payment would increase approx $ XXXX. ( it showed a payment of {$1200.00} due XX/XX/2023 ). I contacted them in XXXX and, realizing their mistake, they were to produce a new corrected analysis and send a copy to me. I received that new analysis about XXXX days later. It indicated a shortage of {$220.00} and that my payment would increase from {$1100.00} to {$1100.00} ( an increase of {$38.00} ). By this time I had already sent payment for XXXX ( {$1100.00} ), as I hadn't received a new payment amount. I then receive a statement showing {$1200.00} due XX/XX/2023. After talking by phone with them 4-5 times, I escalated to someone named XXXX XXXX XXXX He said my XXXX payment ( {$1100.00} ) wasn't enough to satisfy what was due ( {$1200.00} ). He indicated I should have paid a payment for XXXX of {$1200.00} and, if that amount wasn't correct, I should try to get my overage back later. And, that my XXXX payment ( {$1100.00} ) wound up sitting in an undirected status until my XXXX payment was received ( {$1100.00} ), then they were added together ( {$2200.00} ), {$1200.00} was taken out for XXXX, and the remainder ( {$1000.00} ) sat unused and XXXX 's payment not made. After not being a satisfied by him, I asked to escalate further. He asked that I give him a day to try and straighten it out. I received a call back from him 2 days later. He said I should make a payment then of {$60.00} and new pay. beginning XXXX XXXX would be {$1100.00}. Then I get an email showing a late fee ( XXXX ), later a state. showing {$1300.00} due XXXX, finally a letter saying I'm in default and threatening foreclosure. I need help. I thought we straightened this out, but apparently 1 dept. doesn't know what another is doing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a 1099 cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from Experian, XXXX XXXX and XXXX and have been unsuccessful.

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Please update my account to reflect this, as I have always paid on time and it is unacceptable that it should suggest otherwise.

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