vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection I request that you please provide proof that you are licensed and bonded to collect debt in the state of Georgia. Please cease all reporting activities on this debt to all 3 credit bureaus including XXXX, XXXX, and XXXX if there is no proof of original contract with wet ink signature and no proof of legal debt collection licensing. 
Credit Collection Services is illegally attempting to collect debt. Attached is proof that Credit collection services is not licensed or bonded to collect debt in the state of Georgia. 
On XX/XX/2024 I requested proof of licensing from Credit Collection Services and they have failed to provide proof. Attachment also available. 
Credit Collection Services is reporting a debt on my credit reports and attempting to collect debt illegally. 
According to Georgia state regulations, debt collection agencies must be licensed and bonded to operate within the state. Credit Collection Services does not possess the required license or bond to engage in debt collection activities in Georgia. Therefore, the negative reporting by your company is invalid and must be removed from all 3 credit reporting agencies. 

Furthermore, I contest the validity of the debt on the grounds that there is no proof of an original contract with a wet ink signature between myself and Credit Collection Services. As such, the alleged debt lacks the necessary legal basis and should be removed from all 3 credit reporting agencies.

Failure to comply with request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX I received a fraud alert text from regions bank asking did I authorize {$2300.00} XXXX responded and said no they replied and informed me they were canceling my card and sending me out new one. I tried contacting the bank but was closed. I was able to interact with online banking they responded it was nothing I can do because the transaction was pending. On the next day I went into the branch office in XXXX XXXX the representative and I looked over my account it was two charges that I didn't authorize. He informed me that It was nothing I can do until the trasactions post. He asked me had I been to New York because it was a hotel trasaction. I told him no and asked what will happen now. He told me it may just fall off and it will be nothing I have to do. A claim will be filed if it post. He gave me a new card and I gave him my old card .I then asked if I should close the account and get a new one. He told me no. I asked should I go to the police station he told me no if I didn't know who did this. 
I checked several days to check to see if the trasactions had posted about 4 days later it did post I then called the bank asking what is going to be done. They told me it will take up to 10 days before I get a response. I called the bank every day and no one could help me. I contacted the branch and talk to the exact representative that helped me when I went into the branch. He asked me had anyone contacted me I told him no. He told me they denied my claim because the trasactions had my CVV and my 4 digit pin was used. I told him I had not been to New York and I didn't give my pin to No one but the bank and was it the bank that did this to me. He replied it was nothing I can do I asked to speak to the manager of the bank. He told me he would call me back on his conversation he told me the exact same thing I told him it was fraudulent activity and I told them and they still claimed it was me I then spoke to several bank workers including the manager of the claim department they told me I lost my money and it was nothing I can do about. I have since been to the police department to make a report. I asked and called the cooperate office they told me the representatives and the bank manager gave me wrong information that my pin was not used but the CVV was used and XXXX said because that was used it was my trasactions. I told them it was fraud they told me it was not. They didn't have information that was correct in where my money went.

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 2024-03-13 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted complaint XXXX. I am now filing a new complaint to follow up on the same matter given that Banana Republic Rewards MASTERCARD - BARCLAYS has NOT adjusted the OVERCHARGE. It sent a letter with an opaque and unsatisfactory explanation. A merchant charged and provided a receipt for a particular amount and Mastercard Barclays is charging {$280.00} in excess of such charge with no explanation. In addition, Mastercard Barclays is charging {$410.00} as an additional foreign transaction fee. The communication of such excessive charge is far from clear or evident in its credit card agreement. In Mastercard Barclays ' last letter dated XX/XX/XXXX, it provides a contact number should one have questions. I have called this number, and unfortunately no person answers. I have left messages and am awaiting a response. I fear that I will receive more of the same type of opaque response. I have been following up on this matter since XXXX XXXX, XXXX. The institution makes it very hard for a client to resolve a dispute. I can not help but ask what is its true intention! PLEASE HELP. Thank you, 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For the months starting XXXX, of 2024, I made a payment of {$70.00} to Capital one Bank, from my Debit card which I transferred the money to pay the monthly minimum for my Platinum card. The bank sent me an email advising me that the payment was not received, and that I would be charged a {$40.00} late fee. I explained that My card was never declined since, I had enough funds for making the payment. I explained them numerous times that I was a XXXX at their bank for XXXX yrs. and never had to pay a late fee but once last year. I ended up paying an additional {$70.00}! In addition to that, the exact same thing happened for the month of XXXX, ( which was from yet another debit card ) At this time, the {$40.00} late fee wasn't waived. From the balance I had on this very same Platinum card, the cash balance on the card amount is now {$0.00}. in each case funds was transferred from one of my debit cards, which I have 2, Debit cards all from Capital One. I asked for an investigation because, the matter seemed Fraudulent. The only advice that I received after several frustrating attempts to resolve this is that I owed a XXXX XXXX monthly payment That I would have to pay what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: VT

Complaint narrative:
I have never been so frustrated in my life with any lender. It is impossible to get help! no one ever answers the phone at XXXX. I have spent many hours, stuck in an endless loop of automated answers which repeat obvious information such as balances ( available online ). I have attempted the online chat session many times, it always comes back " no one is available at this time. '' I need to talk to a person!!!!!!!!!!!!!!!!! what sort of lack of support is this.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I separated from my job and I applied for credit protection. I received the application and emailed everything that they requested. The credit protection program failed to inform the credit card company that I submitted everything. The credit card companies continue to call and penalize my account. I did everything and was told that I do qualify for the benefit. I tried to call the credit protection company today, but they stay on hold and wont say anything, then hang up. I then tried to call the credit card company and they also disconnected the call before I can speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I SENT MULTIPLE LETTERS REQUESTING A BANKRUPTCY FILE BE REMOVED FROM MY CREDIT REPORT. WHEN I CHECKED MY RECENT CREDIT REPORT THE BANKRUPTCY FILE WAS STILL REPORTING. I REACHED OUT TO THE UNITED STATES BANKRUPTCY COURT AND THEY RESPONDED THAT THEY DO NOT REPORT INFORMATION TO THE CREDIT BUREAUS AND THEY DID NOT REPORT ANY INFORMATION IN REGARDS TO ME TO THE CREDIT BUREAUS. I HAVE AN ATTACHED LETTER VALIDATING THEIR RESPONSE.

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 2024-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as Early warning services, XXXX, Experian, XXXX XXXX, XXXX Etc.I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice.I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al.

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 2024-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
In XXXX of XXXX is when I initiated communication with the original debtor XXXX XXXX as I applied for several online and didnt recollect authorizing. They transferred it quickly to Structured Settlements where it became nasty and unprofessional. They wanted to charge me {$3000.00} to pay off {$500.00} when I tried to get information from XXXX to pay the {$500.00} back right away. I felt they did this intentionally to get more money out of me. They shouted at me, was verbally abusive and hung up on me. So I never reached out again. Then on XX/XX/XXXX I received a threatening text from them. So I called the number and they threatened to show up at my house and employer. I called several different numbers and attached all documents below. They have given me outrageous XXXX. I have also attached documentation and was in touch with XXXX XXXX. They suggested I contact you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting 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:
I am writing to dispute a hard inquiry that appears on my credit report. I have no recollection of authorizing this inquiry and believe it to be inaccurate and unauthorized.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have security freezes on my credit report with all three credit bureaus to help guard against identity theft, etc. I am applying for a new loan, so I need to unfreeze my reports temporarily. Equifax displays an error " We are temporarily unable to complete this request. Please try again later '' when I type my login information. I then reset my password which appeared to be successful. Despite this, I get the same error with the new login and password. I have called them and they claim they have fixed the problem but I still can not login. Then they told me that it will start working later on, maybe XXXX XXXX but they cant be sure. I asked to speak to a supervisor and they refused to connect me with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my 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 non-monetary relief
Consumer complaint received 2024-03-13 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: NE

Complaint narrative:
Unauthorized inquiries have been detected 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 non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting 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:
After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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