vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 2 late payments with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 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 non-monetary relief
Consumer complaint received 2024-02-03 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:
I noticed on my credit report there are 2 late payments with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: MD

Complaint narrative:
A notice of cease and desist, as well as certified proof of contract was sent to Brown & Joseph , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
According to XXXX, the company LexisNexis has validated inaccurate information on my credit file even after sending me documents stating the opposite. Either XXXX is reporting inaccurate information on my credit file knowingly and misrepresenting LexisNexis as the source of information/verification or LexisNexis has misled me. I have contacted both of these companies and tried to resolve this matter. LexisNexis has been very cooperative and responsive to me but the other not so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
UNDER HOUSE JOINT RESOLUTION 192 ALL DEBTS ARE PAID Original Creditor XXXX XXXX XXXX DATE ASSIGNED : XXXX / XXXX / XXXX  Agency - LOCKHART MORRIS & MONTGOMERY DATE REPORTED : XXXX / XXXX XXXX XXXX Creditor Classification - XXXX XXXX ORIGINAL AMOUNT OWED- {$900.00} Original Creditor - XXXX XXXX DATE ASSIGNED : XXXX / XXXX XXXX XXXX  Agency - LOCKHART MORRIS & MONTGOMERY DATE REPORTED : XXXX XXXX XXXX XXXX XXXX Creditor Classification - XXXX XXXX ORIGINAL AMOUNT OWED- {$990.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently received a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts from my report as they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I disputed this account with the debt collectors and they failed to respond.The previous complaint that they responded to they said they were not reporting on my credit but i have proof that they are reporting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/ Applied and was approved for comenity Victoria secret credit card but wasn't allowed to use

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: FL

Complaint narrative:
Overdraft protection up to {$25.00} was offered by cash app on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my account balance was {$60.00}. Immediately at sign up for overdraft on XX/XX/XXXX my account balance was {$20.00}. Cash app immediately charged {$1.00} for overdraft repayment and XXXX more times on XX/XX/XXXX charged me {$4.00} and {$22.00} for repayment for overdraft! My account had a positive balance of {$20.00} when I signed up for the {$25.00} overdraft coverage. I had no debits to my account which means the repayment for overdraft was illegally taken by cash app from my account. This continued throughout XXXX, XXXX and into XX/XX/XXXX with a total of {$260.00} for XX/XX/XXXX, a total of {$340.00} for XX/XX/XXXX and {$300.00} for XX/XX/XXXX. Grand total taken for overdraft repayment that I did not owe is {$910.00}!!! When I noticed that they were taking this money I tried to dispute it with cash app. The first time I contacted them I was also disputing another transaction for {$1700.00}. Due to the irrelevant answers they were responding with totally avoiding the disputes in question I filed another complaint against them prior to this one but for the {$1700.00}. I went back and tried to dispute these overdraft charges again and this time was told they do not offer a dispute resolution for overdraft but thank you for suggesting feedback as to how they could provide a better service in the future to their customers and they would forward my " suggestions '' on to the correct department for possible future use!!!! This is {$910.00} they took from me illegally and there is no dispute option to get my money back!!!!!! This is unheard of and I want my money back. I started at the beginning of XX/XX/XXXX and itemized every single transaction to include when I signed up for this overdraft protection. They illegally took {$910.00} from my account and they totally disregarded my dispute to these charges!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MIDFIRST BANK
State: GA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment 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 explanation
Consumer complaint received 2024-02-03 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: IN

Complaint narrative:
XXXX. Improper notice that I changed to a new address. 
XXXX. This affected my credit scores from all three companies. 
XXXX. Once corrected information was deleted by experiean, they did not put back the XXXX points that my score went down because of the error reported new address. 
XXXX. I have made repeated attempts to talk to someone at experian but just keep getting voice prompts. 
XXXX. There isn't any way I can state in writing or otherwise to get my credit score back to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my credit report it shows XXXX XXXX with XXXX late payments. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
In XX/XX/XXXX we entered into a forbearance agreement with Mr. Cooper Mortgage. I was informed that we would be in this forbearance until XX/XX/XXXX & that no payments would be due until XXXX XXXX XXXX XXXX. However, we could login or call anytime to make a payment of any amount along the way. I do not recall being told we would continue to receive daily calls asking for payments during this initial phone call & setup process. 
Yet, here we are & I get calls twice a day, sometimes during the evening at XXXX as I'm putting my infant to bed, asking if I 'could afford a larger payment today '. I find this unacceptable & a bit humiliating to have to repeatedly explain our rough financial situation, all the while skirting & dodging calls from my mortgage company that's hounding me daily, for payments when we're under a mutual agreement that no payments are required until XXXX XXXX XXXX XXXX. It was to my understanding that entering into this forbearance was the company 's way of giving us a grace period to catch up. But I do not feel relieved or like I've been given any time to actually breathe & catch up. With the constant calls & demands for payments, that I do not have ( or they'd be posted to the site amongst the other 's we've made so far! ) I am left feeling frustrated at my company 's so called 'customer service ' & like some sort of thief on the run from a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company is saying that they cant release my funds because a check didnt have both signatures on a third party check that was deposited on the mobile app. First off they say they dont accept third party checks through the mobile app but they accepted mine so strike one. 
Strike two they cashed my check without the other signature. 
When they contacted third party the third party, XXXX, asked them why did they cash a check without their signature? 
Also why did they cash it beforehand and then contact XXXX after Chase received their funds for the overdraft fees that I had and cleared them with the check. Then They closed my account saying I cant get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: NC

Complaint narrative:
According to Equifax, the company XXXX has validated inaccurate information on my credit file even after sending me documents stating the opposite. Either Equifax is reporting inaccurate information on my credit file knowingly and misrepresenting XXXX as the source of information/verification or XXXX has XXXX me. I have contacted both of these companies and tried to resolve this matter. XXXX has been very cooperative and responsive to me but the other not so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld systems reached out to me about 2 months ago claiming I owed {$500.00} in credit card debt to the federal government but has failed to provide me with a proof of debt, they're extremely aggressive and rude, and after over a month of waiting for this letter they continually tell me it's on the way, yet it has been a month the mail does not take a month to reach my house, they refuse to take any other steps and they continually ask for money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I paid off the car in full, called and made a payment so I would be done with it and the payment still hasnt posted and they just reported the account as delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information Under 15 USC-1681b, Request for Blocking Under 15 USC-1681c-2 and XXXX Account Name : ( XXXX XXXX  ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXX Description of Inaccuracy : Under 15 USC 1681b, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b.

As per FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written and unwritten, verbal and nonverbal per 15 USC 6802.

Additionally, I suspect that this inaccurate information maybe a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwriten verbal and non-verbal per 15 USC 6802. 

Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My loans are serviced by Aidvantage. In XX/XX/XXXX  and then again in XX/XX/2023, I applied for the SAVE income-driven repayment plan. On both occasions, the US Department of Education approved my application. However, Aidvantage will not enroll me in the SAVE plan. 

I contacted Aidvantage, asking to be enrolled in SAVE. Per their instructions, I applied through them ( even though I had already been approved by the US Dept of Ed ). Aidvantage put my loans into a temporary grace period while they reviewed my application. They did not approve my application and yesterday I received a notification that they are adding {$6600.00} in interest to my loan balance, increasing my balance from {$27000.00} to {$34000.00}. 

Is this legal???? 

If the US Department of Education approved me for the SAVE program, can Aidvantage refuse to enroll me in it? Can they increase my balance so substantially overnight? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX. Improper notice that I changed to a new address. 
XXXX. This affected my credit scores from all three companies. 
XXXX. Once corrected information was deleted by experiean, they did not put back the XXXX points that my score went down because of the error reported new address. 
XXXX. I have made repeated attempts to talk to someone at experian but just keep getting voice prompts. 
XXXX. There isn't any way I can state in writing or otherwise to get my credit score back to where it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: IN

Complaint narrative:
XXXX. Improper notice that I changed to a new address. 
XXXX. This affected my credit scores from all three companies. 
XXXX. Once corrected information was deleted by experiean, they did not put back the XXXX points that my score went down because of the error reported new address. 
XXXX. I have made repeated attempts to talk to someone at experian but just keep getting voice prompts. 
XXXX. There isn't any way I can state in writing or otherwise to get my credit score back to where it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XXXX XXXX called Midland Credit debt collector @ ( XXXX ) XXXX to resolve a debt that was in collections. The balance of that debt was {$3100.00} was able to work out this debt with the collector supervisor ( XXXX ) and signed over the phone the settlement which was a {$2400.00} we agreed with XXXX payment of {$2000.00} on XXXX which went through and the second payment on XXXX of {$480.00} in which payment went through. I have all bank Statements and proof that this transaction took place with Midland Credit. In attempt to call them on Friday XXXX Talked to supervisor ( XXXX ) to question that I never received a confirmation letter or any number that everything was paid off at that point 7 days already had passed and I pulled my credit report and was showing late non-paid for the month of XXXX in which I paid all debt according to settlement agreement in the month of XXXX. All I want is to have this collections removed from my credit report ( ASAP ) and some type of receipt or confirmation to show I paid this amount we agreed on PAID OFF. I strongly feel that they are taking advantage of the good people that are actually trying to get there debts paid this collector is quick to try to sue people over these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 15 USC-1681b, Request for Blocking Under 15 USC-1681c-2 and XXXX Account Name : ( XXXX XXXX ) Account Number : ( XXXX ) Date of Reporting : XXXXXX/XX/XXXX Description of Inaccuracy : Under XXXX XXXX XXXX, consumer reporting agencies must ensure XXXX the information they report is used for permissible purposes only. I am disputing the accuracy of this information as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b. 

As per FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written and unwritten, verbal and nonverbal per 15 USC 6802.

Additionally, I suspect that this inaccurate information maybe a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwriten verbal and non-verbal per 15 USC 6802. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation