vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: CT

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: VA

Complaint narrative:
Continue to report an unverified account to my consumer report and I have no relationship with this company and they have no contract bearing my signature! This an accurate information has caused me to lose faith in the banking. System has been defamation of character, emotional stress, and makes it hard to obtain new credit. This company continues to violate the FCRA and my rights as the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
Dear THE BUREAUS Dispute Department, I am writing to dispute the accuracy of a collection account listed on my credit report. I have recently reviewed my credit report and found an entry that I believe to be incorrect. I am requesting that this account be removed from my credit report. 

Disputed Account Details : Creditors Name : XXXX  XXXX  Account Number : XXXX Date of Account Entry : XX/XX/year> Reason for Dispute : I have no knowledge of this debt, The account information is incorrect. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request that you investigate this account and remove it from my credit report if it can not be verified as accurate. 

Please conduct your investigation and update my credit report as necessary within the time frame required by the FCRA. 

I would appreciate written confirmation of the outcome of your investigation and any changes made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: IL

Complaint narrative:
I was reviewing my consumer report and noticed these accounts that is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2024, I submitted a dispute to Equifax stating that in XX/XX/2024 I was only XXXX  days late but they have me as a XXXX  day late and that is a violation and can not be there. I would like a proper reinvestigation of this dispute and If anything is inaccurate, incomplete and consistent or unverifiable in anyway they must update the account. I do not believe they did a complete investigation for one it took less than a day and everything came back verified which I know for a fact, all they did was run it through the system, and it connected me to an address and just automatically verified it. im tired of these credit reporting agencies constantly, and repeatedly breaking the law just so they dont have to do the work. According to 15 USC 1681 If my report is not 100 % accurate that they must update or remove that item. So lets actually do an investigation so I dont have to keep doing this over and over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
I am writing to formally request that EQUIFAX INFORMATION SERVICES LLC immediately cease reporting the alleged debt from XXXX XXXX XXXX XXXX XXXX on my consumer credit report. An alleged account that is already being clarified to cease, closed, and terminated collection action on this alleged account from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had an address on my card that was in Idaho I have no clue who lives in Idaho but it was set up as the primary address and had a card taken out in my name I knew nothing about and I have noticed several charges to my credit card account. My bank account has also had money with drawn from in from unknown sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OK

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. Cloud, MN XXXX Dear Jefferson Capital Systems, This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease and desist from any and all communication with me regarding the alleged debt account you claim I owe. 

It has come to my attention that you have engaged in repeated and harassing phone calls, sending threatening letters. These actions are causing significant distress and are not in compliance with the FDCPA, which prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

You are hereby required to immediately cease and desist from all further communication with me in relation to the aforementioned account ( s ). This includes, but is not limited to, phone calls, letters, emails, and any other form of contact.

If you believe I owe this debt, I request that you provide me with validation of the debt as required by law. However, under no circumstances are you to continue to contact me directly.

Please be advised that nothing in this letter constitutes a waiver of any rights or remedies that I may have under the law. If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing by XX/XX/year> that you have complied with this demand and have ceased all communication regarding this matter. Your failure to comply with this request will be considered a violation of the FDCPA, and I will take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX, SC XXXX Dear Resurgent Capital Services This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease and desist from any and all communication with me regarding the alleged debt associated with any account you claim I owe. 

It has come to my attention that you have engaged in repeated and harassing phone calls, sending threatening letters. These actions are causing significant distress and are not in compliance with the FDCPA, which prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. 

You are hereby required to immediately cease and desist from all further communication with me in relation to the aforementioned account ( XXXX ). This includes, but is not limited to, phone calls, letters, emails, and any other form of contact. 

If you believe I owe this debt, I request that you provide me with validation of the debt as required by law. However, under no circumstances are you to continue to contact me directly. 

Please be advised that nothing in this letter constitutes a waiver of any rights or remedies that I may have under the law. If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing by XX/XX/year> that you have complied with this demand and have ceased all communication regarding this matter. Your failure to comply with this request will be considered a violation of the FDCPA, and I will take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credova Holdings Inc
State: MI

Complaint narrative:
My complaint is regarding a company named Credova. This company had provided financing for a purchase. During the sign up process it was made apparent that automatic payments would be deducted for my account every month. However in the week prior to this automatic payment posting I went on their website to verify that the payment was pending and was about to go through. However on the website they showed no instance of a pending payment even a day before the payment was supposed to be posted. There was also no indication that the automatic payment plan even applied to me because it showed me as not being on such a plan on the websites profile status. I then took it upon myself to use the single payment option to make a payment in advance. After filling out the form and agreeing to a {$10.00} fee I instituted a single payment. However there was no confirmation that the payment actually went through the form remained on its site with no confirmation direct. I then clicked the pay button again with the same result nothing happened. The next day my automatic payment went through. The day after that two additional payments went through. The only email confirmation of payment was for the automatic payment but for not the other two. A {$10.00} fee was charged for each manual transaction. After getting a hold of Credova financial they said that they would refund me the amount acknowledged that there was no confirmation on the website and acknowledge that they had not sent me any confirmation emails for the two manual payments however they refuse to refund the {$10.00} fee and and stated that it would take a week to refund the money back into my account. This payment was a EFT which should take a lot quicker than seven business days. So was I deprived of {$400.00} for over a week they took the two transaction fees and kept it. Upon calling customer service they refuse to refund those fees saying that it was my fault even though the poor design of their website lack of payment confirmation and lack of confirmation via email will entice future customers to make this same exact mistake, in essence they're fishing for fees and using them for profit because EFTs do not cost {$10.00} per transaction, they can be done for a dollar at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was charged for insurance because they claimed they never got a copy of my insurance. Then when I called, they found a copy of my insurance. The representative told me she would take care of it and remove any charges. The charges never got removed and I had to call in again. At this time, they told me they needed my XXXX XXXX XXXX ; I provided them with this. I was told I would get a refund. Instead of getting a refund, my next mortgage payment included the additional charge ( once again ). I am still waiting to receive a refund and have called several times again. Newrez escalated customer service representative XXXX XXXX ( XXXX is who I have been in touch with, has stopped returning my calls even though her colleague told me she will call me back when she gets back from lunch. I have since sent her several emails and am still waiting for a response from her.

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Overview of Citibank Credit Card Experience : Balance Transfer Issue Recently, I encountered an unsatisfactory experience with Citibank regarding a series of balance transfer offers. Despite making a timely payment to pay off a large balance transfer offer that was due on XX/XX/year>, Citibank incorrectly applied the payment to a different balance transfer offer with a higher interest rate. XXXX correctly applying it to the offer that was at 0 percent. 

Upon inquiring about this error, Citibank informed me that I should have waited until the following month ( XX/XX/XXXX ) to make the payment. However, if I had waited until XX/XX/XXXX, Citibank would have charged me an entire month 's worth of interest on the balance transfer offer due on XX/XX/XXXX, which went from zero percent to 19.94 percent! 

As a result of Citibank 's incorrect payment allocation, I was penalized with interest charges for the month of XXXX. When I questioned the bank about the appropriate time to pay off a balance transfer offer when it comes due, they provided no clear guidance. 

This issue raises concerns about Citibank 's unclear policies and the potential for customers to be misled into incurring unnecessary interest charges. It is frustrating that Citibank 's actions appear to be a deliberate attempt to maximize their interest revenue at the expense of their customers. 

I am highly dissatisfied with the way this situation has been handled and the lack of transparency from Citibank. I urge the bank to address this issue and provide customers with clear and accurate information regarding balance transfer payments to avoid similar problems in the future.

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 2024-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
Honda Finance shows 1 late payment ( XXXX XXXX ). The alleged late payment incident was related to a failure of Honda to initiate automated payments on a new lease. I spoke w. a CSR upon notice of late payment and was told " don't worry about it, not a problem, and Honda will not post a negative mark on your credit report ''. It remains the only negative mark on my credit report. I sent a letter to HF and they responded with a refusal to remove the erroneous late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This complaint is in response to the closed entry for Bank of America. 

They went on and one about this and that and NEVER address the REAL REASON why we filed this complaint. 

Let 's get something straight. The and I will say this for the last time before I instruct my legal team to start litigation against Bank of America. 

No one is talking about the validity of the charge. It's for the very reason why I had to file this complaint with the CPPB. Bank of America is not LISTENING.

These claims are based on NO SERVICES OR PRODUCTS was received. Stop avioding what we have told you since day one and address that issue. 

Furthermore, the documentation that XXXX sent BOA is flawed. Again, those documents DO NOT demonstrate our team receiving the documents or service we PAID FOR! 

We are sick and tired of trying to explain this issue to BOA. They are talking one thing and we are claiming something entire different. So we will file this complaint again until they address the XXXX  issue of the claim. And we demand our full {$6000.00} as we did start complaining about XXXX in XX/XX/XXXX. 

We have attached the flawed or no good documentation that XXXX presented. And BOA did not even give us an opportunity to response to this fraud. 

And XXXX is stating they are not responsible for vendors they present to the Public. If this was a XXXX company, that statement would not fly. 

And we REFUSE to give them more time because this issue can been going on since XX/XX/XXXX. My lord, that is over months. Every time they mention 90 days, they move the ball further. They told us XXXX in XXXX of XXXX and we are about to go in XX/XX/XXXX. 

This is down right ridiculous. 

Until they address the Product and Services not received, this complaints should not be closed.

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 2024-08-17 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: AZ

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.

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 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 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 2024-08-17 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: AZ

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.

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 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 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 response to consumer: Closed with explanation