vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
i have made all payments never and issues and they closed my account for no reason even they varify all payments

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 2022-12-05 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: Conn's, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My CareCredit account was closed suddenly, without my consent or knowledge. No notification was sent. I should at least get a warning to determine if theres anything that could be done to keep the account open. 

Not only was my account in good standing, but the company still owes me a credit {$5.00} associated with this card. How can they possibly close an account they owe money on? A consumer can't close a credit card that has an existing balance, so the company shouldn't be able to either. 

This closure has adversely affected my credit in a major way, and they need to be held accountable for that. 

When I contacted them, they simply refused to do anything.

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 2022-12-05 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2022-12-05 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022 at around XXXX Eastern time, I have contacted TransUnion by telephone with phone numbers XXXX and XXXX to resolve unauthorized inquiries that was brought to my attention on my TransUnion report. I spoke to a TranUnion specialist and told him i want to report unauthorized inquiries that were not by me and to have them removed. The specialist asked me questions to verify my identity and provided him every form of information as he asked for verification. He begins to tell me that i need to reach out the creditors in question to document and prove to TransUnion that I did not authorize these inquiries. I responded to the specialist of TransUnion on why would TransUnion force me to contract with an unknown creditor that i have no business relationship with? I asked him if TransUnion would be accommodating to pay for my expenses on reaching out to the creditors for the inconvenience. He did not respond back. 

The TransUnion specialist forwarded me to a higher positioned employee by the name " XXXX ''. She then asked me questions to help verify my identity which I fulfilled. I explained to her my concerns and that I would need their help in providing me the source and proof of their policy or regulation that specifies and forces consumers to communicate with unknown creditors with no business relationship or contract with. She dishonored my request thereby acquiescing to the fact admitting that there is no policy or regulation with TransUnion which forces consumers to contract with unknown creditors that they do not have a business relationship with or a contract with. I named XXXX of the unknown creditors with their date of the unauthorized inquiry to XXXX the TransUnion specialist and she claims that there is no creditor with that information under the inquiry section of my profile. Please see attached screenshot with this complaint that reveals the unauthorized inquiries that are in question from my TransUnion credit report. 

I explained to XXXX that another credit reporting agency I contacted was able to process my disputes and reporting of unauthorized inquiries and removed them with no delay due to the fact that the creditors in question did indeed accept it as a fact that the inquiries were indeed unauthorized. I was not forced to contract with any unknown creditors by the other credit reporting agency.

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 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Servatus Corporation
State: GA

Complaint narrative:
On XX/XX/22 around XXXX. I received a call from a man. He introduced himself and stated he was calling form XXXX, He said, I am going to make this quick. I am calling about your account you have with us, I said I am sorry I dont have an account with you he said yes you do I said no I do not have an account with XXXXXXXX XXXX He yelled check your credit report lady and hung up. I then called back, and he answered the phone now irate if you dont have an account then why are you calling and hung up again. I then called back several times to attempt to resolve this but he kept answering the phone and putting me on hold.

So I did check my credit report and to my avail, this company has checked my credit as if I applied for credit with them as a hard inquiry, which means I AUTHORIZED this request which I did not. 

My rights have been violated under the FRCA with these aggressive and outlandish collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
In review of my XXXX credit report, I noticed a collection account from a company by the name of LVNV Funding/Resurgent. I never received any written communication from this coming stating that they were attempting to collect a debt. 

I wrote to this company via Certified Mail requesting " validation '' of this collection. I received the certified green card in the mail which indicated that someone in their organization was in receipt of my dispute. 

On or about XX/XX/2022, I had not received any responses from this company and sent the another letter via certified mail to provide me information on this collection reporting on my credit reports. As of today, XX/XX/2022 I have not received any communication from this company and their collection is continuing to be reported to my credit file with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
Last Friday - XX/XX/XXXX - XXXX was notified by Paypal, via email, that my account had a probably fraudulent transaction on it. Here 's the wording of the message. 
-- -- - XXXX XXXX sent you a money request NOTE FROM XXXX XXXX : We've detected that your PayPal account has been accessed fraudulently. If you did not make this transaction, please call us at our Toll-Free number XXXX ( XXXX ) XXXX to cancel and claim a refund. If this is not the case, you will be charged {$440.00}. XXXX today within 2 hours of receiving this email. This transaction will reflect on your PayPal activity after 24 hours. Our Service Hours : ( XXXX XXXX. to XXXX XXXX  XXXX XXXX, Monday-Friday ). 

Payment request details Transaction ID XXXX Transaction date XX/XX/XXXX -- -- -- -- I called XXXX ( XXXX ) XXXX, which directed me to a 'tech support ' phone bank, likely in XXXX XXXX 

Their 'tech support ' directed me to install an app called XXXX, which gave them control of my computer. They acknowledged that they owed me a refund, but required me to fill out an electronic form that linked them to my bank accounts. I was then directed to apply for a {$450.00} refund, but when I typed {$450.00} in their scam form, it became {$45000.00}. I saw that those transactions were posted to my bank accounts. At that point, I suspected fraud, reported it to my bank on my other phone. The criminal heard it and hung up. 

My bank voided the transactions and explained that the {$45000.00} transaction was actually the criminals transferring {$45000.00} from my XXXX XXXX account to my Checking. 

This is internet fraud at its worst, and it appears that Paypal was directly involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: Self Financial Inc.
State: GA

Complaint narrative:
Self Financial Bank XXXX XXXX This company to include XXXX has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # 1. Self Financial is a credit card builder company. they do not have auto loans. # XXXX I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # XXXX this has determented my life!!! I can not get a XXXX i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: OK

Complaint narrative:
For the last 25 years, I have Sent my Mortgage payments to you and on time, I ( Purchased my home in 1990 to date I have had several issue with the Company stated about. I sent in payments with my Payment booklet since purchase ding my home, a Few years ago this company attempted to file Foreclosure on my stating that I missed several payments, which is fabricated and not true I have never missed some mortgage payments. Thank God I had all the Receipts of such payments.

Unfortunately, Standard Mortgage company sent documents stating that I am falling short of equity and States that my payment of which has been pretty much the same for over 2 decades, will increase over {$100.00}. Two years ago my balance was a little under XXXX, and currently at approximately XXXX. Seems to me extra Fees or What not are being added to the ending balance. I am disappointed because Ive invested most of my earning to this company ; seems like they are trying to take my home back and cause an immediate hardship, of which I have Worked Hard to maintain. I finally set up automatic deductions to solve the missing payments issue. the service was not performed correctly ; I was billed once the wrong amount and Threatened about payment history with could ultimately scar my impeccable Credit worthiness. When Calling the company staff misrepresents and is very Unprofessional to say the Least. etc.

To resolve the problem, I would appreciate your if I could have a break- down of all the monies sent and a detail of my account information for the last 7 years, as it seems that since I am close to paying off my mortgagee other Monies are being tacked on to promote hardship and confusion.

Please Help.

If need be, can also send the Letter That I was Sent Recently about payments increasing. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at home XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke with XXXX today at XXXX XXXX letting her know that i received a letter from Transunion XXXX XX/XX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XX/XX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. Transunion needs to remove all of these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed these accounts several times with Experian and each time they have return a letter stating they belong to me and that they have been verified. NO method of verification has ever been mailed to me or provided online. These accounts have been sold and are reporting with an active balance each month as if they are open past the 180 days statue limitations. They are violating my FCRA rights by doing the following. 

C/O are repeatedly reporting every month Not reflecting a XXXX after accounts have been sold Date of first delinquency was allegedly changed Changes made after XXXX charged off status I want the following accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00}

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo bank cashed a check that was falsely endorsed by someone who isnt me. My stimulus check was sent to me, i never received it then it was cashed by someone in XX/XX/2021. The check is for {$2800.00} .Its absurd that a check would be falsely cashed and wells fargo wont catch on to it. Im beyond upset.

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is a second complain to the previos one with the number XXXXPlease read previous one for the whole story/details. 
Wells Fargo says that PIN was used in the fraud but checking it personally out and talking to the gas station personel PIN can be bypassed at the pump.We took pictures how you can BYPASS the PIN. 
In Washington State almost all the pumps have the BYPASS PIN option when you are using the gas pump and pretty sure that even the person that reads this complain is aware of the BYPASS option. 
Wells Fargo claims that the person that used the debit card entered a PIN.Why would someone enter a PIN or try to enter a PIN when you push the BYPASS PIN button when you have a cloned card? or whatever they used to fraud our card/account. 
We went at that gas station and we took pictures of the BYPASS PIN option. 
Wells Fargo refuses to pay the claim and they are lying that the PIN was used. 
PIN was BYPASSED. 
Please investigate this.Wells Fargo has a very bad reputation and its very well known that they are constantly lying and refuse to pay claims. 
The bypass pun option was used with multiple debit cards plus Wells Fargo and its a option fir all the debit cards.Please call the gas station and the staff there will confirm that.Thank you

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 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CO

Complaint narrative:
Grant Mercantile ( debt collector ) listed that I had a unpaid debt that was on my credit report from an XXXX XXXX who used my information fraudulently. The Unpaid debt that had a negative impact on my credit report was for an XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$2600.00}.

Company response to consumer: Closed with monetary relief