vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Letter from XXXX XXXX dated XX/XX/XXXX : Experian reported : serious delinquency, lack of recent information on installment accounts, and number of accounts delinquent. 

Keep in mind that I filed for bankruptcy on XX/XX/XXXX, and as of XX/XX/XXXX, the case is closed, and all payments were made as agreed. Keep in mind when I filed, my XXXX  score was XXXX, and XXXX XXXX XXXX told me I had to make a total of {$370.00} on the XXXX credit cards I had with them, which was impossible without failing to pay other creditors, I filed XXXX  XXXX. I talked with my attorney, advised that they could do this type of scandalous activity. XXXX  XXXX XXXX would not accept any other payments. 

The problem is Experian fails to keep correct information on my credit report, unlike XXXX and XXXX ; my score is in the XXXX and Experian 's XXXX, and I was denied credit because of their failure to keep accurate records. I just applied for a credit card and was accepted through 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 2024-02-24 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
After meeting with a company in XX/XX/2023 my husband and I decided to liquidate our timeshare. This agency represented themselves as a time share exit team. They sent out paperwork to gather data about our purchase and then they sent me a numerical figure that they stated would be the amount needed to liquidate our timeshare. They shared information about closing cost, and what would be needed to transfer the deed. On XX/XX/2023 a transaction in the amount of {$11000.00} was made. It was supposed to be for the liquidation of a timeshare/payoff. The representative from XXXX XXXX XXXX called after saying they didn't receive the cashiers check ( I sent it 30 days before noting the timeshare exit payoff in the notes section ). After I canceled the check at the bank, they asked if we could just debit the money as it would be quicker and we could move along the process to get out of the timeshare. I gave him the debit information and later that evening he sent a XXXX for me to initial electronically for the debit ( only one page ). Later on, when he sent me the finalized XXXX agreement, there were additional pages that showed a contract for purchasing into a travel program with XXXX in that exact amount. I didn't agree to that, but there were my digital initials on the form which I knew I never signed. I reached out to the representative immediately and said that's not what I agreed to. In his text message he agreed that this was his understanding and that he would have someone from the company to reach out to me. That never happened and I continued to try and contact someone. When I called XXXX, they said it was through a third party so they couldn't do anything. XXXX XXXX would not respond via phone or email. When I tried to email XXXX, they blocked me. I filed a complaint through the XXXX and they continued to say I signed the form to purchase from XXXX ... when in fact I did not. They continue to reference the contract language to deflect any responsibility, but all they had to do was refund my money. I have never used their service, and I even declined free items when offered stating I just wanted to liquidate my timeshare. When I tried to retrieve the history from the XXXX, it was blank forms. I feel this is a scam being perpetuated by these entities and each one is blaming the other. I only gave permission to payoff my timeshare ( which didn't happen ), not purchase into another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
My mortgage was transferred to SPS a while back, after 15+ years with XXXX XXXX XXXX XXXX We received communication the end of last year, that in XXXX our payment would go up {$420.00} starting in XXXX. It went up over {$600.00}. I have sent many, many requests to their Ombudsman to receive a copy of the correspondence they sent out showing that my payment would go up {$600.00}, however they have not been able to provide that to me. They did have one person call me that was very rude and condescending, schooling me in mortgage loans and escrow ( I have been paying mortgage loans for 40+ years, I already know how they work ), She just continued to talk over me and be very rude. I asked her where I got in writing that it would go up over {$600.00}. She could not tell me and I told her I would send the correspondence I got, I even highlighted where it said {$420.00} and I have not gotten a response back. With my correspondence, I let them know that I can not take phone calls, I work a very hectic job of 50+ hours a week and can not take calls. Oh by the way, my job is working with loans, so I do know how they work. They have tried calling me twice, despite my telling them multiple times I can not take calls, and then I get an email after each call stating " they have been trying to reach me ''. That is so bogus, it is not even funny. All I am asking for is a copy of what they sent to me, letting me know that my payment would go up $ XXXX, and to show me why the difference from what I got in XXXX, and provided I agree, I will let this go. In the meantime I get two phone calls from them that I have told them I can not take. I would love to have resolution to this issue, but can't seem to get there. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX XXXX Other XXXX XXXX Personal Loans {$3100.00} XXXX XXXX Other {$310.00} SELF XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Auto Loans {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX XXXX Other XXXX XXXX Personal Loans {$3100.00} XXXX XXXX Other {$310.00} SELF XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Auto Loans {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This collection has already been and a judge has dismissed the attempt to collect this debt. Documentation is being submitted to the credit bureaus from the courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc.
State: PA

Complaint narrative:
I settled eith Sunbit for {$1600.00}, on XX/XX/year>. They wouldn't take one full payment, so it was paid in 5 payments of XXXX and one payment of XXXX. All paid XX/XX/year>. 
They keep calling me and telling me I owe them money. When they look at the record they see that it was paid off. They keep sending tickets to the technical team and managers to fix this, but it's not being resolved and they still keep calling. 
I've tried to dispute it through my XXXX credit report and it came back that their information is correct. It is not. 
I need them to show that I've paid off this debt and have it reflect as paid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
RMP SERVICES LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX The company above is reporting a collection on my credit report that is inaccurate. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. This company is also in violation of the HIPPA. HIPAA restricts the direct sharing of patients ' health information with debt collectors. HIPAA restricts the direct sharing of patients ' health information with debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My experian credit report contains 2 accounts by the creditor XXXX.

I do not possess any current accounts with XXXX. I have explained this numerous times to both XXXX and EXPERIAN. EXPERIAN is in violation of multiple consumer protection laws, and repeatedly gives me a blanket statement as they ignore any of my request for the dispute of these incorrect accounts.

EXPERIAN does not look at or utilize any evidence I submit to prove my claim. They merely ask the creditor if the account being reported is under a name identical to mine. XXXX is reporting false information and EXPERIAN has been notified countless times and been presented validated evidence of the false accounts being reported. Theyre should be legal recourse at once against this entity they are completely non-compliant with the regulations governing there actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I purchased an XXXX ( XXXX ) laptop using zero interest XXXX financing. XXXX chose to sell my and many, many others ' credit lines to Comenity Bank. That transition has led me to owe over {$600.00} in interest ( which was the point of even financing with XXXX in the first ) and late fees. I never missed a payment, but when XXXX pulled the rug out from under me somehow I did. Back in XX/XX/2023 I sent a payment to Comenity through my bank 's paper check system. It was posted and sent before the deadline. Comenity never cashed it. They did, however, cash the next paper check sent to the same po box address the following month. I have been fighting with them since. For all I know they deliberately shredded it just to hold my credit rating hostage to extort late fees and interest dollars from me. I have no choice but to pay this huge some of money because they hold my credit rating hostage and I can't get anywhere with their stonewalling for hours and hours with customer service. They just bounce my from useless call center person to useless call center person holding to the argument that I can't prove that they got the check, which is impossible. I have proof is was sent on time and proof that they didn't cash it, but somehow logic doesn't work in their predatory world.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, Capital One sent me an email stating the following : Welcome to the family, XXXX! Now that youre approved for your new XXXX card, you should receive it in the mail in 7-10 days. In the meantime, check out your Important Disclosures and Credit Score Disclosure Notice. Then, be sure to download or print and save a copy for your records. 

I did not apply to have this account opened and have since had that account closed and my existing account with them has also been closed because I can not trust that they wont open a new account for me because I am approved for a different card with them. I discovered the account when I received a text from them saying that my card had shipped. When receiving that text I immediately looked at XXXX XXXX and my email and found the hard inquiry on my account in addition to that email from them that was sent to my email on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Starting the evening of XX/XX/year> notifications through text informed me of unusual activity on a debit card linked to the Chime Checking account. About three ( 3 ) charges were denied based on this that I did not make ( 1 to XXXX XXXX, 1 to XXXX XXXX, 1 to XXXX ). All three of these were properly denied by the bank on preauthorization at the time of charge. However a 4th charge to an auto part store online on XX/XX/year> for {$46.00} went through and this is the contested charge. The card was turned off immediately and a replacement was requested. There was no doubt that the card was compromised during this period of time when the auto part charge was made. I did not make this charge nor give anyone permission to use my card. Chimes call center was very unknowledgeable and even at first claimed they did not have a fraud department which was very concerning. I called the next day and they said they do have a fraud department but I actually do not talk to them as the call center takes care of it. A letter was received XX/XX/XXXX denying credit back to the account for the fraudulent charge. It must be noted that Chime never did temporarily credit my account during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I sent a letter to Transunion on XX/XX/year> And asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter? I also attached evidence According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter from Harris & Harris. The following day, I sent them a debt validation letter. I have proof that they received the letter on XX/XX/XXXX. They contacted me at least twice after not verifying the debt. Once via text on XX/XX/XXXX and once via phone call on XX/XX/XXXX. I requested in the letter that no contact be made by their offices to my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have 3 unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] TD Auto Finance [ XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.

Company response to consumer: Closed with explanation