vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: DE

Complaint narrative:
In accordance with the fair Credit report act the accounts XXXX XXXX : Account number : XXXX below has violated my rights 15 U.S 1981 section 602 A States that I have the right to privacy. 15 U.S 1981 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I am writing because you are reporting the following accounts without my permission which violates 15 USC 1681b. I am writing because you are reporting the following accounts without my permission which violates 15 USC 1681b. Until you can produce a contract between you and I, XXXX XXXX bearing my signature, showing that I gave you permission to furnish any information on my behalf, I am demanding the following accounts be deleted from my consumer report. 

Continuing to furnish this information in the absence of any such documentation bearing my signature, you are subject to criminally liable pursuant 10 15 USC 1691k.

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 2022-04-29 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:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}

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 non-monetary relief
Consumer complaint received 2022-04-29 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:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}

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 non-monetary relief
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number 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 2022-04-29 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Filled a complaint about not being my debt. Asked the company to remove. Debt continues to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This correspondence is regarding Convergent Outsourcing, which claims I owe a balance of {$2400.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I have requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. 
Any and all negative mark found on my credit reports ( including XXXX, XXXX, XXXX, and any other credit reporting agency they have reported to ) for a debt that I dont owe, is a violation of the FCRA & FDCPA. 
I have been harassed by calls daily. Each time I ask for verification and ownership of the debt, and nothing has been provided and if they can not validate the debt, Convergent Outsourcing must delete all entries with all credit reporting agencies. 

Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary.

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
On XX/XX/XXXX ( today ) I went to pay off my balance on my Apple Credit Card, and I opened up the app to make my payment and saw that it stated that my XXXX Balance was {$1400.00} and if I paid that amount I would not accrue any interest charges. However, due to a previous issue with interest and my Apple Credit Card ( where I had a carryover balance it didn't count in my payoff to not accrue interest ), I opened up the PDF statement they provide for XXXX and realized there are two issues. 

First, the PDF statement says that my XXXX balance is {$1400.00} which is a different amount than the app told me was due ( {$1400.00} ). 

Secondly, I had not paid off my entire balance the previous month, so even though it said I could pay off my XXXX balance to not accrue interest, that is incorrect, because if you look at the actual PDF statement, it shows that my " Total Balance '' is {$1700.00} due to my " Previous Monthly Balance ''. 

When this happened last month I did briefly mention that I had paid off the amount the app listed so that I didn't accrue interest, so Apple refunded me {$25.00} out of the {$25.00} in interest I had accrued, but I was given no recognition of the issue or assurance that it would be resolved. That is how I knew to look out for it this month so I could gather enough accurate information to properly file this complaint. 

I think this is an inherently predatory business practice that when you click to pay it states that paying off the previous months balance will mean you will not accrue interest even though I had a carryover balance. Apple needs to ensure that the amount displayed in the app for payoff not only displays the correct monthly balance, but that it also includes any previous monthly balance that may exist. 

I have attached screenshots of both my XXXX statement, and from the app to show the issue ( with my name/email redacted ). However I am willing to provide any additional information that the CFPB may need to investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TN

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
please call or email me XXXX or JXXXX my husband is a veteran who took out a XXXX XXXX XXXX in 2005 to buy army gear then was XXXX shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
We were trying to send money ( {$2000.00} ) from US to XXXX for medical purpose. XXXXe, Online Money Transferring vendor, on website promised that the money transfer will happen in just XXXX hours if I allow the site to access our Bank Information and that's what I did. Once the information is collected, the ACH debit immediately happened and money went out my account right away and then confirmation message said It's all set and the money will be available after 4 days instead of XXXX hours. We checked at the receiver end and confirmed that it was not received after 4 days. 

After 7 days, I logged into the website just to check what happened and realized that they have not processed yet waiting for me to answer two inappropriate questions to be answered for the transfer to start. I called up the Help Desk with XXXX and the support user promised that this case will be expedited and the person will be sending a confirmation email at the end of the day, which I have not received even after 10 days. That shows failure in providing a satisfied Customer service. 

I made a second call with Help Desk just to realize that my money is still not gone any where. So asked to get the transaction cancelled which will take another XXXX working days. XXXX was at least helpful to send an email confirmation of the discussion that I had. 

So we will lose a total of 14 days on a money transaction and caused delay in the medical treatment for a XXXX patient. 

I have done multiple transactions in the past with other companies, with no issues. I would definitely want XXXX to look into this and provide us a with a good compensation for the poor customer service and a failed transaction service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent out letters to XXXX, XXXX and Experian through certified mail in regards to these six accounts that I felt did not belong on my credit report : XXXXXXXX XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit.

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 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: LA

Complaint narrative:
I have been trying to work with my car loan company Global Lending Services for months. The company is reporting on my credit report that my car has been repossessed for almost a year, since summer XXXX Its now XX/XX/2021. Ive called and written the company. Ive sent my billing history from their website along with receipts. I have disputed the claims with credit bureaus with the same information including pictures of the car in my driveway. Finally I have hired XXXX to work to help with the problem. My next and last action is suing Global Lending Services, et all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank charges a CARD SECURITY fee and does not show this fee in recent activity in online banking, so people never know how much they charged, and even I don't know they have a card security charge for every month. Until today I check the statement and find it shows up in the statement, this is very tricky. And I put the pdf files as an attachment showing the difference between my online banking 30 days activity and the statement, people will never know they charge the money until they see the statement. I have been charged for over 4 years, and I spend over XXXX dollars every year on this card, each {$100.00} they charge 1.66 %, and that is crazy money and tricky people by not showing that on recent activity. They are not honest and try to hide the fee, so people will not easy to notice. I don't know if I can get my money back, it should over $ XXXX they have changed under the table.

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 monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to XXXX, FL XXXX XXXX XXXX on XXXX XX/XX/2022. Regions Bank representatives failed to appear. The Honorable Judge XXXX XXXX entered a Default Judgement in my favor and I was told to return XXXX XX/XX/2022 for a Final Hearing. Regions Bank representatives appeared for the Final Hearing and the judge vacated her Default Judgement and allowed the banks lawyers to proceed with their defense. Regardless of all the circumstantial evidence I presented to prove Fraud and Embezzlement on the part of the Regions Bank Teller, the judge agreed with the lawyers that they were not liable for the theft of some {$2300.00} because I had failed to discover the fraud within 30 days.

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 2022-04-29 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXXXXXX XXXX and account 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
My auto loan from Fifth Third Bank was opened on XX/XX/2022 and the first payment was due on XX/XX/2022. I made a payment from my external XXXX XXXX  account on XX/XX/2022 and they reversed the transaction XXXX XXXX later on XX/XX/2022. They do not send a notification that the payment had been reversed. I called XXXX XXXX and they say they have no incoming request from Fifth Third Bank. The Fifth Third Bank website is incredibly buggy. It says you can add up to XXXX external accounts when after you've added one it will not let you add another. Many times the payment errors out and you're required to clear cookies on the browser for it to work again. I tried to make the payment over the phone and they tell me my account can no longer be used but they can never give me a reason for that. They just say it is blocked even though I've use the account to pay all my bills. During all this time, the interest on my account is accumulating. I've tried paying this loan from XXXX different accounts and they all have issues with Fifth Third Bank. I'm incredibly frustrated because XXXXXXXX XXXX  says there is no issue with these accounts and they never have gotten any request from Fifth Third Bank for withdrawing money. It seems to be an issue with Fifth Third Bank. Many times the payment gets posted and then it's reversed a few days later all the while XXXX XXXX says they never received a request. Fifth Third Bank can not even give me an answer why it's happening. 

During this time, the interest on my principal is accruing daily and i'm still not able to pay through their website or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.

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 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
It was through chime banking. 
XXXX payments to $ XXXX XXXX XXXX XX/XX/XXXX, XXXX pm for {$400.00} Second payment XX/XX/XXXX, XXXX am for {$200.00} Third payment XXXX XXXX for {$50.00} Fourth payment XX/XX/XXXX, XXXX pm for {$50.00} My chime tag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- Eastern Account System, XXXX XXXX XXXX, XXXX Destiny, XXXX XXXX XXXX, The XXXX XXXX XXXX, and XXXX XXXX. Certified mail was sent out on XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation