vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have not received my end of the year Statement from Select Portfolio Service. It is against the law, for Select Portfolio Service, not to send my end of the year, 1098 statement. It is against the law, not to receive my monthly statements on time. Select Portfolio Services forged my name to fraudulent documents that were cut copied and pasted. I have a paper trail of deceitful acts from Select Portfolio Service. They will lie cheat and steal. Select Portfolio Service lied on my credit report, which is against the law. Select Portfolio Service, sent me a letter with a different address, than the address on my my mortgage statement, telling me to mail my payments to a fraudulent address in Florida, the address on my mortgage statement, is in Utah. The fraudulent letter and address did not match the address on my mortgage statement. I switched home insurance, to XXXX, and XXXX notified Select Portfolio Service. Select Portfolio Service is a corrupt company. When the company respond, it has absolutely nothing to do with your response. I have a paper trail of deceit from Select Portfolio Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XXXX XXXX, 2023. Hacker got into my phone, used PayPal to order 5 {$100.00} cash cards from XXXX XXXX, another {$100.00} card through PayPal credit, and used XXXX to send {$250.00} from my checking account to someone named " XXXX XXXX ''. I discovered the problem and immediately called PayPal, Synchrony Bank, and XXXX XXXX XXXX XXXXXXXX to alert them to the problem. I then called all my credit cards and reported what had happened, and factory reset my phone. Synchrony admitted hacker fraud and expunged the {$100.00}. XXXX XXXX XXXX XXXX did the same and refunded my {$250.00}. PayPal opened a 'fraud investigation ', but never removed the {$500.00} from my account. After numerous calls to PayPal, and numerous passes from one customer service rep. to another, I got no decision from them, other than " we're still working on it ''. Six weeks later, I receive a debt collection notice in the mail. PayPal 's " fraud investigation '' is a joke. They said the purchases were " typical of my spending habits. '' I have never bought ANYTHING from XXXX XXXX, nor have I EVER purchased a cash card through PayPal. I am continuing to pay PayPal for the purchases I did make previous to this incident, and when that is concluded, I will cut off any further communication with PayPal.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 under 15 USCS 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 2024-02-15 00:00:00
Product: Credit reporting 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: 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.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance.

In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 222 companies who have violated my rights that Equifax has reported on my credit report. 1 hard inquiry by XXXX XXXX XXXX XXXX XXXXXX/XX/year> i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliance One, Inc.
State: TX

Complaint narrative:
XXXX never sent me a notice that they were sending me to collections. The only way I found out was after learning from the office manager that this debt collector has been repeatedly calling the office every day when I got back in the office on XX/XX/XXXX XXXX. They were told to stop on XX/XX/XXXX because we honestly thought they were a robocall and they ignored the request and called again today XX/XX/XXXX. I called them from my personal phone and thats when I learned about the debt for the first time. I received no notice in the mail, emails, or phone calls. They just automatically started calling my boss every single day for the past week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit 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 2024-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
This is a follow-up to my original CFPB complaint case # XXXX. 

XX/XX/XXXX - Mohela responded to the complaint with the following resolution " You are eligible to request a refund of any payments made between XX/XX/XXXX, through an anticipated end date of XX/XX/XXXX. '' XX/XX/XXXX - I messaged Mohela on their website stating " I was notified by MOHELA that I am eligible to request a refund of payments made between XX/XX/XXXX through XX/XX/XXXX as a response to the formal complaint I submitted to the XXXXonsumer Finance Protection Bureau. I would like to request a refund of the payments I made between XXXX XXXX but first wanted to see if when the request is processed will those months remain qualified for XXXX? Please let me know how I can make the request for refund of payments. '' I was told I would receive a response within XXXX business days which I did not. 

XX/XX/XXXX - I sent a follow-up email asking for a reply and did not receive a response. I called Mohela and waited on the phone for over XXXX hours with no connection or response. 

XX/XX/XXXX - I sent another follow-up email requesting a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I was the victim of a fradulaent charge and scam through XXXX and XXXX XXXX. I had items listed for sale on XXXX XXXX. A buyer reached out to me and indicated that they wanted to purchase the item. They asked for the transaction to run through the XXXX XXXX  XXXX. I downloaded the app and set it up. The buyer indicated that they transferred the payment. I then received an email from XXXX stating that I needed additional funds to verify my account as the payment from the buyer came through as a business account. They stated I needed to transfer {$300.00} an the buyer needed to as well. The buyer sent me a screenshot of their banking transaction showing that they made the transfer. I then proceeded. After that was completed, I received a second email stating that an additional {$500.00} was needed to verify the account. Another {$200.00} with transferred from my account for a total of {$500.00}. They continued to request {$300.00} more and I refused. Then then started to send threatening emails and I realized at that point that it was a scam. They proceeded to send me emails threatening to turn my information over to the FBI if I did not comply with the transfer. My credit union then flagged my account for fraudulent activity and closed my account. Both XXXX and my credit union are refusing to refund me the {$500.00} that was withdrawn through this scam.

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 2024-02-15 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I recently pulled my credit report and noticed some credit inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a payment for the minimum due on my statement of {$190.00} on XX/XX/2024. {$170.00} of that was applied to a fixed payment balance ( {$2000.00}, XXXX equal payments at XXXX % interest if paid in full ) and the additional {$18.00} was applied to my regular balance. This is what I expected to happen. 

Then on XX/XX/2024 I made another payment in the amount of {$910.00}, which I expected to go entirely toward the remaining regular balance of {$11000.00} ( at the time the payment was made or {$1200.00} at the end of the billing cycle ). They ended up applying {$360.00} toward the fixed payment balance and only {$540.00} to the regular balance. I have attached my XXXX statement I believe this to be in violation of Reg-Z SS1026.53. XXXX XXXX XXXX, which says they must apply payments to the highest interest amounts. I was not in the last XXXX months of the promotion period so that exception does not apply. 

I tried on XXXX separate occasions to have them re-allocate this correctly but in the first XXXX I was rejected via an emailed letter and in the last case a manager told me on the phone that " no-one here is willing to re-allocate that payment for you ''. I have attached the XXXX rejection letters I was emailed.

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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at around XXXX CST, I purchased XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX dog treats for my foster dog, from XXXX XXXX XXXX in XXXX  TX. The total for the purchase, including tax, was {$43.00}. 
On XX/XX/XXXX, I checked the balance on my credit card to see what I owed and to verify when my payment was due. I noticed my balance was very high so I scrolled to see my charges and that's when I saw that the XXXX XXXX XXXX charged me {$430.00} for my purchase. I called the credit card company immediately and filed a fruad/dispute. I have contacted via online and on the phone several times asking about the dispute/fraud charge and they never give me an answer. 
This particular credit card does not give any options to enroll in text/email notices about charges, legitimate or fraud. This credit card does not give any way to keep track of the dispute, nor do they keep in touch with you regarding fraud/disputed cases. I have asked them to go through my spending habits on the card and see that # 1 I have never bought from a XXXX shop before and # 2 I do not make purchases as large as {$430.00} in one store.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
An unauthorized transaction {$750.00} was taken out of my chime account for a company called XXXX XXXX. I have no association with that company at all and have never made any purchases that involved them in the past. I saw that it is a company based in XXXX. I live in the state of XXXX. My card is always on me and nobody else has access to it. I filed a dispute with Chime only to get an email hours later saying that there was no error in their investigation of the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX XXXX XXXX XXXXXXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,

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