vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: CA

Complaint narrative:
The issue related to this fraudulent debt claim is a direct result of XXXX XXXX XXXX billing us for services after we had already terminated our service within the XXXX grace period after signing up on XX/XX/XXXX. We only had the service for XXXX, yet XXXX & XXXX still attempted to bill for services we did not receive because our account had been terminated. 

We spent countless hours and trips to the local XXXX XXXX XXXX store attempting to resolve the issue until finally he we were able to get the issue resolved with the local XXXX XXXX. XXXX XXXX XXXX issued a credit adjustment to the account, and we paid the remaining final balance the same day in the store on XX/XX/XXXX. See attached Exhibit 3. Prince Parkers Debt Collection Letter was preemptive and unwarranted. Enclosed with this letter are copies of supporting documents that the debt was pending resolution with XXXX XXXX XXXX and has since been resolved. 

Supporting Documents : Exhibit XXXX : XXXX XXXX XXXX Final Bill Disputed in Store ( XX/XX/XXXX XXXX ) Exhibit XXXX : Prince Parker Debt Collection Letter ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX Adjustment Made and Payment Paid in Store ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Adjusted Bill Sent ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Letter After Payment Made ( XX/XX/XXXX ) XXXX XXXX XXXX made a credit adjustment of {$270.00}, which was issued on the account. Afterwards, XXXX XXXX XXXX paid the remaining difference of {$150.00}. The account is now deemed paid-in-full effective XX/XX/XXXX. We request that Prince Parker cease all debt collection activities for this account because it would be deemed unlawful to proceed further. 

We also request that Prince Parker and XXXX XXXX XXXX do not report any negative credit claims against XXXX XXXX XXXX to any Credit Bureau since this issue was resolved back in XXXX XXXX days after Prince Parker sent the Debt Collection Notice and that letter was preemptive and unnecessary. 

We received a debt collection call on XX/XX/XXXX after sending a dispute letter to Prince Parker. We informed them that the debt was not owed and sent email communication to their customer service email with electronic copies of the dispute letter with all exhibits. We recently received another Debt Collection Letter dated XX/XX/XXXX of XXXX from Prince Parker even after we spoke to them and told them the debt was not owed and sent email confirmation to confirm with evidence. 

We want the debt collection to stop and to not have negative reporting to the company 's credit report due to their fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
Ive disputed a XXXX XXXX XXXX  IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( EXPERIAN ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-17 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: CA

Complaint narrative:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The accounts that need verification are still in my credit report, I need the accounts to be verified and repaired for they are misleading and erroneous. 

Please verify these accounts : XXXX XXXX Balance : {$82.00} XXXX XXXX  XXXX Balance : {$4100.00}

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 2023-02-17 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.

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 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: OR

Complaint narrative:
As of XX/XX/23 the amount owed to " Puget Sound Collections Inc '' is a total of {$3300.00} after interest. However, I never received any type of notice from the original biller that I had a bill that was owed, nor from the collection agency. I had medical coverage at the time of service, XXXX, in fact. I have proof of coverage. Had I actually received notice in a timely manner ( within 2 years from DOS ), I could of had this resolved with the original biller by providing proof of coverage. 

This is the most recent information on this collection due a recent dispute filed with the three credit bureaus.

I will continue to dispute this as I am not responsible for it, this would have, absolutely been paid and taken care of had the original biller and the collections agency done proper due diligence in reaching me to get this taken care of. I have proof that the hospital bills were paid, which is the same time that these collections are showing for DOS.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX. I opened a Citi Checking account in XX/XX/2023 ( Email confirming account approval was received on XX/XX/2023 ). 
XXXX. I made an initial deposit of XXXX from my XXXX checking account on XX/XX/2023. 
XXXX. I made a withdraw of XXXX to my XXXX checking account on XX/XX/2023. 
( No other deposits or withdraws were made since account opening. ) XXXX. I received a letter on XX/XX/XXXX, saying that : " We have been unable to verify recent activity on your Citibank account. It is important that we confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. 
The letter did not mention account closure. 

XXXX. On XX/XX/2023, I called the number provided in the letter ( XXXX ). I was asked to verify my recent activity on the phone. After a few minutes, the representative came back and informed me all my Citibank accounts will be closed, including my credit card account. They refused to provide any information regarding the reason for account closure. 

The representative on the phone did not speak English very well and was very rushy. They became impatient as I wanted to clarify what would happen next such as how to receive the remaining balances and what would happen to my other accounts. For the representative, it is just a few lines of disclosure text. For a customer, that means a significant disruption to their financial life and troubles ahead ( caused by money held by Citibank for an uncertain amount of time ).

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from 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 non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We conducted the closing for our new home on XX/XX/2022, before this we asked the mortgage company XXXX XXXX XXXX ) many times to remove the Private Mortgage Insurance ( PMI ) from the monthly payment as we have already paid 20 % of the home price, XXXX XXXX kept procrastinating removing the PMI even after the Notary asked the mortgage company reps ( XXXX XXXX XXXX ) over the phone to remove it, XXXX XXXX asked us to sign the Closing Disclosure Documents then he will remove the PMI, suddenly after that we discovered that XXXX XXXX has sold the Home Mortgage to another company ( PH Mortgage Services ), I contacted them and asked them to remove the PMI, PHH refused to do so as they said that they received the mortgage with PMI payment during the first two years. 
I kindly ask for your help in order to remove the monthly payment of PMI from my home mortgage especially that I already paid 20 % of my home price. 

Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 2023-02-17 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: CA

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. 

XXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-02-17 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. The List of accounts below has violated my 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 2023-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: PA

Complaint narrative:
I am a victim of identity theft. Equifax is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with Equifax DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: PA

Complaint narrative:
I am a victim of identity theft. Transunion is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with TransUnion DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*

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 2023-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CapitalOne is profiting off of the delays they put on consumers accounts. I am not the only person this happens to. If it happens to XXXX people and the average payment is {$1000.00}, thats {>= $1,000,000} CapitalOne is using to invest into the market. Additionally, CapitalOne uses an AI algorithm which restricts their employees ability to manage accounts based off of their risk calculations. 

When I signed up for my card initially, I was told that because I had a CapitalOne bank, my payments would reflect immediately. After 3 months this feature ended. This happened twice before, but most recently on XX/XX/XXXX I submitted a {$1000.00} payment to my card. I was told my payment and balance would reflect the next day on XX/XX/XXXX. I called XX/XX/XXXX because the payment didnt reflect and the person I spoke with said my payment and balance would update at midnight. Midnight meaning XXXX XXXX. When the clock strikes XXXX its not XX/XX/XXXX anymore, its XX/XX/XXXX. This is deceiving consumers. They placed an OTD hold on my account due to their AI algorithm which flagged my large payment as suspicious. This is XXXX. Internal bank transfers are instantaneous for every other financial institution.

Company response to consumer: Closed with explanation