vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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. 
For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

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 2023-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I received a payday loan in the spring of XXXX in the late summer between XXXX and XXXX I was given the option to pay a final amount to pay off my loan in a lump sum. As I did so and the amount came out of my account I believed that I had paid off XXXX payday loan. However, in the following months after security finance continued to take out the normal payment amount without my knowledge. This year in XXXX I noticed my account had been overdrawn from a charge called XXXX  XXXX never noticing that was indeed check into cash. I went into check into cash and told them of the issue they proceeded to tell me the employee that took my lump sum payment no longer worked there and that I still owed money to the company. They have harassed me calling me every morning about payment. Even though Ive continued to give them money just to no longer deal with this and get it over with. I dont see how they can be allowed to do these things. The plan I set up for shouldnt be still in affect a whole year later. The loan shouldve been paid off with my lump sum. Theyve been robbing me of XXXX $ Each month for the last 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. Demanded for amounts and proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am not a tax expert, attorney, or legal counsel but rather a consumer pursuant to the Fair Debt Collection Practices Act. 
I am in receipt of a communication via implication that any individual is an attorney or that any communication is from an attorney in response to a request for validation of an alleged debt on behalf of depository institution Synchrony Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as The false representation of the character, amount, or legal status of any debt balance. 

Synchrony Bank confirms that the credit balance due is correct and has made no effort to refund the credit balance in full by check, cash or money order. 

As there is no deficit stated to verify a debt Synchrony Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false. 

Please see enclosed credentials and deceptive communication enclosed alleging debt.

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account. The amount seems inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a claim on XXXX XXXX for {$4900.00}. They closed my claim prematurely without doing any research. I provided documentation to BOA on XXXX XXXX when I received a letter in the mail requesting more information. I called on XXXX XXXX to be certain the document was received. That is when I was informed that they did a chargeback to the merchant for the wrong amount and would have to reverse the chargeback and reissue for the correct amount. I asked that my account be given a temporary due to the delay by BOA. I recieved the letter requesting more information well after ten days and its no fault of my own that they created the chargeback for the wrong amount. BOA has refused to cooperate with my request and I have called and escalated the situation, spoken with managers everyone has told me they submitted the request but it is not guaranteed that anything will be done. Boa has failed me miserably and placed me and my family in a financial crisis. Due to mistakes that were not made by me.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I pay for XXXX alert which notifies me of anyone running my credit. Yesterday JPMCB CARD SERV. ran my credit. They told me Chase opened an account ending in XXXX in my name. Chase has since closed that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

12 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have an old employer on my credit report and I would like it to list my accurate employer that Ive been working with for over a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Due to the suspicion of someone else probably using my SSN I am disputing unrecognized, unauthorized or inquiries that I do not remember applying for. 
Disputes ; XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : 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 2023-04-04 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:
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, I XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Processed a balance transfer on my new XXXX XXXX credit card, transferring funds from a wells fargo credit card. Transfer has processed on XXXX XXXX but not on wells fargo. Both banks say its the other banks responsibility. XXXX XXXX provided transaction date, transaction amount, last 4 of acct number, and billing address it went to, Wells Fargo wont accept the information from me and say XXXX XXXX has to research. I have called XXXX XXXX 2 times and Wells Fargo 3 times on recorded lines. Calls took place on XX/XX/ between XXXX and 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 monetary relief
Consumer complaint received 2023-04-04 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentially under the 15 USC 1681. XXXX Account XXXX XXXX ( 30 days late XX/XX/XXXX ) and Account XXXX XXXX ( 30 days late XX/XX/XXXX ) has violated my rights. 

XXXX5 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
First Bankcard Cardmember Services XXXX XXXX. XXXX XXXX XXXX, NE XXXX Re : Complaint of Discrimination Accounting Ending XXXX Dear First Bankcard, Please allow this letter to serve as my complaint of discrimination against me. 

I applied for the bank credit card because the promotional flyers was sent to me to take advantage of the Amtrack points. The bank ran my credit, and the application was approved, and I got email to be expecting the card in the mail. 

But instead, I got a letter from the bank ( copy attached ) that the account was closed after second review and ELEMENT ASSOCIATED WITH FRAUD. This I dont understand what fraud we are talking about here, other than to assume that this was a discrimination. 

I could care less if the bank gave me credit, but you put a ding on my credit file, approved the card and only to cancel the card for reason I dont understand. 

Please explain to me the fraud that has occurred here. The only thing I can think of is my address. I have two properties and use both addresses. 

Home address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I feel that I am being discriminated against based on my race until someone proves me otherwise. 

Since the card was canceled, and there is a credit ding on my file, Im requesting that the inquiry be removed immediately. 

Sincerely, 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 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear CFPB Officer, I am writing to dispute several unauthorized hard inquiries on my credit report that I do not recognize. The following inquiries should be removed from my report : XXXX XXXX ( miscellaneous ) on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2022 XXXX  XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) sections 611, 609, 605B, and 616, I have the right to dispute inaccurate, incomplete, or outdated information on my credit report. However, I have experienced significant difficulties in attempting to resolve this matter with the credit bureaus. I have been unable to get a timely response to my letters or phone calls, and have even been hung up on due to a difference in dialect. 

I request that these inquiries be promptly removed from my credit report, and that the credit bureaus provide me with a written report of their investigation. Additionally, I request that the credit bureaus take immediate steps to address their customer service practices and ensure that they are able to communicate effectively with all consumers, regardless of their accent or dialect. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I bought a car from XXXX XXXX XXXX for XXXX they didnt tell me I was leasing a used vehicle than they added an additional loan of XXXX dollars on top of my car when I disclosed my information with title code:15 usc 1662 b in I was still charge.. I cant get the title because 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 explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OH

Complaint narrative:
Sent to collection and letter sent XX/XX/27 to make advising of the debt but debt paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
On XX/XX/23, I was called by a courier to verify my identity so that a law suit subpoena could be served to me. I asked for more information and I was given the name of the suitor as XXXX XXXX and the company 's phone number. I called the number and was transferred to a paralegal. The paralegal informed me that I am being sued because of unpaid credit card debt and that I was going to be served the subpoena. Upon asking for more information, I was given a credit card account that I never had, according to my credit report. The amount was for over {$6000.00}. This was probably the third time they've called in as many years. Previously, I contacted the credit card company to inquire about my apparent debt and they had no record of any accounts for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called both Equifax and XXXX about two fraudulent hard inquiry on my credit report. I was then told to contact the credit which I then did. The creditor told me me that they cant do anything on their end so I I would have to discuss it with the credit bureaus. there are hard inquiry on only credit report hat doesn't have any account link to them and I has both equinox and XXXX  to remove them and they won't do it. I have also then multiple letters to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have attached an FTC report with an authorized user account I am not responsible for that I would like to have deleted and the unauthorized fraudulent inquiries deleted as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My Mortgage Company Freedom Mortgage failed to pay for my flood insurance back in XXXX of XXXX. I had refinanced my home during that time, and they used the wrong loan number. I did not receive any info that my flood insurance had not been paid till early XXXX. When Freedom mortgage tried to pay my insurance, the policy had been terminated. I am now being asked to get a new quote which is going to cost me XXXX versus the XXXX that i had been paying for the last 5 years. This was a mistake made by Freedom Mortgage and they should be responsible not me the homeowner. I have all the backup documentation needed. We tried to go to XXXX XXXX and have them reinstate my last policy, but they said since payment was late, they would not honor my old amount. I could be contact at XXXX. Home address is XXXX XXXX XXXX XXXX, XXXX, Fl. XXXX or via e-mail XXXX It is not fair that i get penalized because of mistake that freedom mortgage made. 
contact for Freedom Mortgage is 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