vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: UT

Complaint narrative:
US Bank credit card was opened in my name as a joint owner. I have no recollection of this said account, and neither does the primary person listen on this US Bank. It is reflecting that I owe US Bank {$1200.00}, which I do not. US Bank has placed a negative on my credit report. It is closed, with remarks of charged-off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
An auto car loan with XXXX XXXX XXXX XXXX XXXX it is not reporting to the credit bureaus for more than a year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
An auto car loan with XXXX XXXX XXXX XXXX XXXX it is not reporting to the credit bureaus for more than a year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
An auto car loan with XXXX XXXX XXXX XXXX XXXX it is not reporting to the credit bureaus for more than a year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: CA

Complaint narrative:
This is a Double charges. The Merchant had both of my card in their system. I paid it once with my Master cards ending XXXX on XX/XX/2022. Please Review the Receipt uploaded. 

The Merchant Charged {$500.00} once in My XXXX XXXX Master card ending XXXX on XX/XX/2022. 

The XXXX time was Not Authorizes that charge to Discover card ending XXXX on XXXX, ( Double-charge ) I had Paid all my Credit Cards on time, and is not right for customer to paid it twice. 
The 2nd time charges is Unauthorize to Discover Bank. Please Review.

I only respsonsible for paying 1 time deductible only. 
they had both of my card on their system Discover cards, and XXXX XXXX. i have to call in to have new card re-issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
An auto car loan with XXXX XXXX XXXX XXXX XXXX  it is not reporting to the credit bureaus for more than a year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: AZ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I have been calling since XX/XX/2023 about my escrow payment going up. I discovered my county tax office removed my exemption in error. I immediately had it corrected and submitted documentation to Rocket Mortgage showing they have revised my tax bill and issued a refund for overpayment as well as corrected next years tax bill. I uploaded it while on the phone with the representative who told me to give it abut a week to update. 

Since then I have gotten the runaround and told a variety of things, such as it takes 30 days to update or it's being reviewed on the XXXX all while it states on the portal that I must make a decision about what to do with the escrow overage by XX/XX/XXXX, but then goes to NOWHERE for me to select one. I have called asking for help on XX/XX/XXXX, XXXX, XXXX, XXXX and now today, the XXXX. 

I can not afford this new amount and I can not pay it. I have never missed a payment and nobody is working to get this resolved. I will be in foreclosure within 2 months if i'm forced to make a payment that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IA

Complaint narrative:
I have no idea who these people are. I got a notification on XX/XX/XXXX from my XXXX app stating that I had a new collection from Jefferson Capital for a XXXX XXXX bill for {$200.00}. I have never received any previous notification from this company. I work hard to keep all my contact information up to date on my credit reports, which show my current phone number and address, yet these people have not notified me in writing or validated that this is my debt. I have had XXXX for over 5 years so I have no idea what they are referring to. It is so disgusting that these collection agencies just get to do what they want and ruin people 's credit. I sent them a certified letter that arrived last Thursday XX/XX/XXXX, and yet here they are today adding this garbage to my XXXX report despite me stating in the letter I was disputing this and to tell the 3 bureaus that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Customer Care-Remediation Account ending in XXXX Wells Fargo Customer Care has grossly under compensated me for inconvenience during this repossession ordeal. Although their attempts to compensate at less than {$330.00} is partially accepted it does not fully account for the inconvenience during this ordeal. Account fees/charges were added in large error to this account. 

I look forward to amicably reaching an acceptable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
XX/XX/XXXX I received a house alarm system with XXXX and they told me I can get a line of credit for XXXX and the loan will be payed off instead it was a scam and now I owe a line of a XXXX loan from citizens pay and they are not trying to help resolve the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: ID

Complaint narrative:
On XX/XX/2023 we initially reached out to the mortgage company to request an off schedule escrow analysis. We had received our county tax bill and it was significantly different than what UWM had been holding back. They ran the analysis and mailed us a refund check of {$6600.00}. Yet they didn't change the amount of escrow they were holding back, they actually raised our monthly payment. We have repeatedly reached out via message, chat, and phone to try to work out the issue and get our payment to the correct amount. They have continually told us they are researching the issue and will get back to us by a certain date. Inevitably the date arrives, we reach out again and they push us off to a later date. It has now been 102 days with no resolution. They are reserving {$8200.00} in our escrow account for taxes, however our annual tax amount is {$3100.00}. Our monthly payment should be reduced by {$410.00} dollars. After all of this communication back and forth we just got a notice that they have sold and will be transferring our mortgage to another servicer on XX/XX/XXXX. This means we'll have to start the process all over with a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 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 explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Subject : Complaint Against Upgrade Credit Card Services for Unjust and Deceptive Practices Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against Upgrade Credit Card Services, which has engaged in what I believe to be deceptive practices and false advertising, leading to a significant, unjustified drop in my credit score. 

In early XX/XX/2023, I was solicited by Upgrade to apply for a loan via my login page. The advertisement explicitly assured me that " Checking your credit will not affect your score. '' Relying on this assurance, I submitted the loan application, believing it would have no adverse impact on my credit score. 

However, on XX/XX/2023, without any prior notification or explanation, Upgrade lowered my credit line to the balance owed, which was approximately {$5300.00} at the time. This action pushed my credit utilization to 100 %, leading to a dramatic decrease in my credit score by over XXXX XXXX.

What's more, Upgrade has requested my bank statements to complete the loan application review the very application which was supposed to have no negative impact on my credit score, but instead was used to justify the reduction of my credit line. I see this as a direct contradiction to the promise they made that my credit would not be harmed. 

The reasons provided for the downgrade, sourced from XXXX, were 'recent high obligations, ' 'high proportion of bank issued installment accounts, ' 'recent over limit on bank issued card, ' and 'inconsistent trend in use of non-mortgage accounts. ' These reasons are vague and do not correspond to my credit habits or history. Furthermore, they do not justify the considerable decrease in my credit line and the subsequent harm to my credit score. 

I am of the belief that this constitutes a clear violation of the law, and it is my intention to seek damages for the harm this has inflicted on my financial health. I have asked Upgrade to rectify the situation immediately, including restoring my credit line and taking necessary measures to repair the damage to my credit score, but I am yet to receive a satisfactory response.

I kindly request your intervention to investigate this matter and help ensure that Upgrade is held accountable for its actions. I hope my experience can lead to better regulation of these practices in the future to prevent others from facing similar circumstances. I have never been late, and my score is XXXX XXXX higher than when I took this card/line. 

Thank you for your attention to this matter. I am happy to provide further details if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I called national credit adjusters who has the debt now, I told them I never had that account, they said it was original a XXXX XXXX account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from XXXX. The caller said that I had a debt on my Tjmaxx reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their XXXX ID number, which is XXXX XXXX XXXX. 

I was suspicious of the call, so I decided to look up the XXXX ID number online. I found a website that said that the number might not be the real XXXX ID number for Tjmaxx. I also found a website that said that there have been reports of people being scammed by people who claim to be from Tjmaxx. 

I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account. 

I have already contacted my bank and placed a fraud alert on my credit report. 

I am writing to you to ask for your help in investigating this scam. I would like to know if the XXXX ID number that I was given is the real XXXX ID number for Tjmaxx. I would also like to know if there have been any other reports of this scam. 

Thank you for your time and attention to this matter.

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