vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX  XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX Bank. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the 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 2023-04-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
A little background Information. Wells Fargo had a major outage in XXXX XXXX XXXX. I have been unable to access my online account since that time -- despite Wells Fargo 's claims to the contrary. 

Because I didn't have online access, I didn't have bill pay or statement access -- despite Wells Fargo 's claims to the contrary. 

After trying unsuccessfully to re-establish online access with Wells Fargo, I switched to another bank in XXXX XXXX XXXX 

In XXXX XXXX XXXX, Wells Fargo reported me to the credit bureaus for non-payment on my credit card. That was surprising to me, because I hadn't used the card in over a year. They also never tried to contact me directly -- despite Wells Fargo 's claims to the contrary. 

I immediately disputed the charges with Wells Fargo. In XX/XX/XXXX, Wells Fargo informed me in writing that " fraudulent charges will not post to the account ''. Unfortunately, they never removed the charges. And, they've never explained why they broke this promise. 

I went back and forth many times. Finally getting a full copy of my statements by XX/XX/XXXX. I sent another dispute, detailing the fraudulent charges. Hoping to get some acknowledgement from Wells Fargo. 

I am writing today, specifically because I have never received a formal response to my XXXX XXXX  letter. This is despite many communications with Wells Fargo during that time. It feels like they're just ignoring me now. 

This is a complicated issue. And I'm trying to simplify things here. Just tell me why you never responded to my XX/XX/XXXX letter. Why didn't you refund the fraudulent charges, like you said you would? 

As mentioned, I've been back/forth with Wells Fargo many times. A XXXX XXXX XXXXXXXX dollars and a single customer 's credit report may not mean much to a large bank. But, I'm not going to give up, until they make things right.

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 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I apparently owed money to them for something and never knew what for. I found out they emptied my account when I went to order a pizza one day for my kids after work. Portfolio Recovery had taken every XXXX of my money from my account including all of my child support. They took over {$2000.00} without ever notifying me or letting me know why. My electric ended up getting shut off, and I lost all the food in my fridge. I had to move in with my mother until I could get the money to turn my electric back on. I was never able to get them on the phone, and still have no idea what it was for. I never received any type of phone or mail notification, and still haven't to this day nearly 9 years later. 
My name was XXXX XXXX XXXX at the time and I was a newly separated single mother. They stole every last cent from my account and left me almost homeless with kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act Navy Federal Credit Union account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purporse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has attempted to get me to pay a debt that I settled directly with XXXX XXXX XXXX back in XXXX. In summer XXXX, during a pandemic, they somehow reopened my settled debt with XXXX XXXX XXXX and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I got a collections notice to my XXXX XXXX  and XXXX apps today from XXXX XXXX. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, account number XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX has attempted to get me to pay a debt that I settled directly with Capital One Bank back in XXXX In summer XXXX, during a pandemic, they somehow reopened my settled debt with Capital One Bank and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
On XX/XX/, I called XXXX XXXX, loan officer at Mr. Cooper to see if my husband and I could be " pre approved '' for a residential home loan, which in a recorded call he took a verbal application for lending, ran both our credit reports and approved a pre qualification letter materially misrepresented as " Pre Approved ''. We were offered one loan product, conventional with 5 % down and a XXXX amount of closing costs, being under the understanding that no further litigation was occurring for a previous loan as of that date. On the same date, the company 's outside counsel filed a motion for restraining order to restrain me from settlement negotiation this same counsel invited in a recorded phone call, so on XXXX XXXX XXXX with the possibility of a new judgment, I was forced to cancel the verbal application and revoke our approval for further credit checks and to prevent any further forward actions under pending loan XXXX. 
XXXX XXXX XXXX after never receiving a cancellation of the pre qualified verbal lending application as of the date this application was cancelled both verbally and in writing for two days till XX/XX/2023, XXXX in origination took my call and told me unfortunately Mr. Cooper was not legally allowed to cancel any application for lending and I understand he stated that it would remain pending for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I have let them know the debt was being disputed with XXXX XXXX, XXXX XXXX had no right selling the debt without my knowledge and in dispute since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter off on XXXX XXXX XXXX. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter off on XX/XX/2023. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX as well as Equifax both refuse to correct obvious errors on this account. I have asked and complained that it be corrected but both fail to follow the FCRA laws believing they're some how above the laws! XXXX is being investigated by the XXXX XXXX XXXX for numerous customer complaints. You can't have a great rating if you're not doing what the law requires you to do. I have had issues on this account prior to it charging off illegally with their accounting practices. I still have all of the documentation to prove it. They turned me over to a collection company, I sent the proof of my dispute to the collection company. They never acknowledged it because they couldn't follow along with the details. It required them to pay attention, that was impossible so they dropped it. I sent it to XXXX they refused to acknowledge the proof then charged off the account without ever bothering to resolve it. Each time I called they made excuses, claimed to write up a dispute or sent me meaningless letters telling me to send it in writing. When I did, they sent me the same letters not acknowledging I'd sent it already, nor attempting to resolve the problem. So they illegally charged off the account without ever resolving the dispute legally as per the FCRA laws require! Instead they damaged my credit based on their laziness and unwillingness to resolve a months long dispute over how they were applying payments, and reporting them on my billing statements. I still have the package which consists of 26 pages including the letter I sent them back in XXXX XXXX. They never bothered to respond to any of it. They just ignored me and charged off the account which is what they do! That's illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: HW Holding, Inc
State: TX

Complaint narrative:
I have a collection from Hunter Warfield Inc for {$2200.00}, I call Hunter Warfield asking to verify this debt, They told me they had no paperwork on this debt. I sent a letter on XX/XX/2023 asking to show me paperwork which would verify this debt. Hunter Warfield has not respond to my letter. this should be remove from my credit report for lack of Hunter Warfield fail to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have let them know the debt was being disputed with capital one, capital one had no right selling the debt without my knowledge and in dispute since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Hello good day, CREDIT KARMA has made 104 INQUIRED on my Credit report for over Two years now and I'm just finding out to have my credit repaired and this is just one of the reasons my score will not go up??? 
1681A,1681B, M15USC1681N {$1000.00} for every unauthorized Inquired on my report without my PERMITTION. 
due to CREDIT KARMA Negligence making a 104 INQUIRED on my report has made my credit scores remain in the 400 'S FOR YEARS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XX/XX/XXXX - account with XXXX XXXX/ Genesis Credit was sold to XXXX XXXX XXXX XXXX XX/XX/XXXX - account was sold to XXXX XXXX XXXX XX/XX/XXXX - account was sold to Islandwide Consulting Group XX/XX/XXXX - account was sold to XXXX XXXX XXXX ** Based off of FDCPA section 1006.34 debt collectors must provide a debt validation letter within 5 days of first contact. 
I have NEVER been notified of any debt form any of the 4 collection agencies listed above nor was I ever given proof that the requested debt is owed by me or an opportunity to settle any debt. 
I am a single mother of XXXX children attempting to purchase my first home and this is adversely affecting my chances!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: American First Finance, Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
In early XXXX XXXX I opened a XXXXComenity Bank Credit Card ( acct XXXX XXXX ) and spent {$30.00}. I paid the bill on XX/XX/XXXX, but there was a problem with the account number. According to my bank ( XXXX XXXX XXXX, Acct XXXX ) Comenity accepted the payment but did not apply it to my account. I called Comenity and they said, " no problem, just wait as it may post later ''. It never did, so I was worried about my credit and sent in {$35.00} on XXXX, but again it was cleared by XXXX but not so with Comenity. I called, and they said I should pay {$32.00} on XXXX which I did over the phone. That is the only payment that they have acknowledged. I got another bill with the charges mounting so called again. I got XXXX and Comenity on the same line and all was apparently fixed as XXXX said the payments had cleared and the Comenity rep confirmed it. The rep from Comenity said I would see a corrected statement shortly. After about 10 days I checked online and there was no correction, so I called Comenity again. They said they had no record of a resolution, and that I must send in written proof via U.S mail and wait 90 days for a resolution. I do not believe that will do any good since they continually lie to me and a letter will go where?? To date I have paid {$98.00} but only {$32.00} has been credited to my account, and they claim I now owe {$66.00} more. They are sending me ugly letters ; I have spent hours and hours trying to fix this and give up. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX account number XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-04-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, account number XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.

Company response to consumer: Closed with explanation