vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801, I have the right to make sure my private information isn't shared. This code states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Citi Cards is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Citi Cards, the financial institution, and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, XXXX, and Citi Cards, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

According to 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Citi Cards never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) further states " Except as authorized under subsection ( b ), 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. ''

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/23, I opened a complaint against Equifax for not allowing me to manage my credit freeze online. On XX/XX/23, Equifax closed the case without resolving my issue. As of now, I am still unable to freeze or unfreeze my credit file as needed. On XX/XX/23, I submitted a followup complaint regarding the same issue. Equifax responded by requesting me to verify my identity, and I sent back a letter with the requested documentation. As of now, I am still unable to manage a credit freeze online. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
There was a credit card debt which was for approximately {$350.00} I was garnished for {$870.00} by Midland Credit Management. I was informed that the total with fees was {$910.00}. This was in XX/XX/XXXX on the XXXX I spoke with XXXX XXXX. I was informed that all monies withheld after the garnishment release would be returned to me the defendant it was not. It was returned to my employer in a untimely manner. The release is dated XXXX XXXX I received a payment from XXXX XXXX of funds that had still been sent to the company after this date. XXXX states that payments received were {$1000.00} my check records shows {$2000.00} was sent to them. I have yet to received the excess money paid to them. As I have spoken with the XXXX XXXX  for XXXX the last week in XXXX. I have received all monies returned to them. Several checks were sent to them after the case was supposedly closed. The garnishment release stated these monies would be sent to me the defendant with the exception of the XXXX check for {$180.00} all other monies due and owing was sent to XXXX XXXX. Meaning, I had to wait for it to clear their bank and then they cut me a check. The last one from them being dated XX/XX/XXXX for {$390.00}. This is the total of XXXX out of the XXXX checks that Midland received after the garnishment case was CLOSED, which now they claim they haven't received {$2000.00} in total. This seems to be tactical intended to cause frustration and financial deprivation to the defendant with no consequence to the plaintiff Midland. Only causing financial harm to me the defendant. At this point there is no excuse for the untimely manner in which this was handled. From XXXX to the present they are still issuing out the overage in minute increments. Another check was issued on XX/XX/XXXX for {$12.00} to XXXX and not the defendant. Why? To delay return of funds and tactilely withhold money that was received and punish the the defendant, myself. This could have been solved amicably with the plaintiff, but it was not possible to have a civil conversation with the collectors. The was paid within XXXX weeks we could have negotiated a payment agreement if communications was not lacking. My income was not lacking to pay the debt but civil conversation was not to be had when collectors take an accusatory tone and attitude and one can not gain clarity with an argumentative individual. At this point I am owed a balance of {$510.00}. The company/Midland  has XXXX lied and said they only received {$1000.00} the records I have beg to differ. There are still XXXX outstanding checks period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.

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 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
this account was charged without my permission and is not a verified account. this account also belongs to a third party there is no payment agreement. 

Velocity Investments XXXX XXXX credit card

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 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
TOPIC : a ) KIA FINANCE AMERICA denied my loan application. Why are they telling me that Im 3 months behind in car payments? 

b ) Without my permission, why did XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, send my loan application to XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, Application Number : XXXX, Dated XX/XX/XXXX, for the XXXX XXXX XXXX? This loan application was also denied! 

c ) I have called XXXX XXXX, and KIA FINANCE AMERICA XXXX or 6 times, concerning the loan for the XXXX KIA XXXX that is on my credit report and why they refuse to have it remove, because XXXX KIA has the XXXX KIA XXXX, and KIA Finance America denied my loan. The response I get from them is They are not responsible for removing anything off my credit report. 

d ) I have all the documents that prove everything XXXX saying. These XXXX companies are committing XXXX XXXX and damaging my credit history. 

XXXX ) On Friday, XX/XX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, to purchase a XXXX. After talking to XXXX XXXX XXXX, XXXX, about what I need the XXXX for, he convinced me to purchase a XXXX XXXX XXXX. I did explain to XXXX XXXX XXXX that my XXXX XXXX is not XXXX or higher, but he assured me that does not matter. 

XXXX ) XXXX XXXX XXXX ran my XXXX XXXX and told me that I was right about my XXXX XXXX, but he was going to talk to XXXX XXXX XXXX, XXXX, to get his approval for the sales. 

XXXX ) XXXX XXXX XXXX returned and told me if I want to get the XXXX XXXX XXXX ( XXXX ), I must do the following : a ) Return my XXXX XXXX XXXX to Drive-Time, because I can not afford XXXX car payments, and beside I would get a better XXXX. 
b ) If I decided to keep the XXXX XXXX XXXX, I would need to put a down payment of {$4000.00}. I listen to XXXX XXXX XXXX, and returned the XXXX XXXX and I did not have to pay a down payment. 

XXXX ) I was told that since the lender ( KIA FINANCE AMERICA ) will not approve my load until Monday, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, wanted me to fill out and sign all documents, and then I could XXXX XXXX the XXXX XXXX XXXX over the weekend. But I had to put the XXXX on my insurance policy first. So, I did. 

XXXX ) Once approved, the dealership XXXX XXXX will sign the documents and back date them. Then I will get a signed copy of the Sale Contract. 

XXXX ) That did not happen!! I went back to the dealership and XXXX XXXX XXXX told me that the lender, KIA FINANCE AMERICA, denied my loan application. 

XXXX ) XXXX XXXX XXXX told me not to worry because he has another XXXX that I could purchase. It was a XXXX XXXX XXXX. I did look at it, and since they took the XXXX XXXX XXXX, I told XXXX XXXX XXXX that I wanted it. I was told that I needed a {$4000.00} down payment. I refuse to pay and left both the vans at the dealership.

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 2023-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
According to court records the company sued me for a judgement in XXXX. In XXXX I was diagnosed with XXXX and subsequently moved with a relative for supportive care. They sent summons to an old address that was returned to the court undeliverable. 

I filed for XXXX XXXX  bankruptcy in XXXX. During court preceedings to garnish my wages, they were notified I filed for bankruptcy. The garnishment order was stopped in XXXX. 

I bought my first home in XXXX. While trying to refinance my home in XXXX XXXX I was informed a lien was on my title. I then began to reach out to the company because this debt was discharged in the bankruptcy. I have received no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX University Ombudsman letter submitted to Creditor, XXXX and TransUnion in last XXXX  days. Creditor did not take action to correct tradeline and remove misreprestation from my credit reports.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am writing to file a formal complaint against Discover Financial Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Discovers inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, Discover has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Discover Financial Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Discover Financial Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

Discover must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. XXXX said that my score was XXXX when it was really XXXX, Equifax claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX showed my name and old addresses and a social security number that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. XXXX said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and Experian showed my name and old addresses and a social security number that isn't mine.

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 2023-12-17 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My statement showed on XX/XX/23 My card was charged by XXXX XXXX XXXX XXXX XXXX. For {$490.00} And XXXX XXXX XXXX XXXX XXXX For {$860.00} XXXX XXXX My card was charged XXXX XXXX XXXX. For {$420.00} There were similar charges for less money that they took off, but the more expensive charges they kept on. 
I never lost possession of my card. I've never been to XXXX or XXXX They those charges off, then put them back on, months later without explanation.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This is my second attempt to get help from an outside agency for this problem. I sent my complaint to XXXX in NY re American Express. I was told the company was sending me a written response by mail. After almost 3 weeks, I never received it! 
Did they lie about this? Looks that way! 
Here are the details of my complaint. 
Blue Cash everyday card~ Am Exp # ending in XXXX I am a retired senior citizen filing an American Express complaint after being a satisfied customer of American Express for XXXX years. I was a consumer who paid my bill in full on time, put everything on auto pay, and was very conscientious about keeping my payments up to date and my credit report clean. 
Due to lack of action and correction on the part of AMEX, our relationship reached a tragic end. heres what happened - I had to receive an XXXX XXXX XXXX last XXXX ( XXXX ) and asked the XXXX staff to run it through my insurance which they said they did, however, after receiving the shot I was presented with a {$62.00} bill. 
I went round and round with them, and they refused to correct the issue. When I spoke with XXXX staff they said it shouldve been covered at 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I decided to dispute the charge with American Express explaining all the details to XXXX different supervisors on different days and times. They offered to remove different amounts from my bill but couldn't get the {$62.00} amount correct. I dont know why. 

After all this time and frustration, I finally told American Express I would be closing the account. I had held this open for a long time with a perfect payment record. I closed the account then I got a notice that they had recognized my disputed charge and removed it! The account was then officially closed. They decided to continue to charge fees, interest and other charges on the outstanding {$62.00} which had not been removed at the time of the account closing.! 
Is it legal to assess these fees retroactively? Once a disputed charge has been removed? 

They have run up a bill against me now for over {$730.00}. This is financial fraud and must be stopped.! This is creating economic hardship for me, in addition to negative credit report issues! 
What can be done about a company that refused to work in good faith with a valued client over a payment/dispute issue which was clearly presented ... and eventually resolved! 

My XXXX credit score was XXXX on XX/XX/XXXX prior this event. Now, as a result of AMEX s reckless, unethical mismanagement of my account, it stands at XXXX! 

This is devastating to me, a retired XXXX XXXX XXXX on a fixed income ; particularly during this high inflationary environment. 
American consumers should not be forced to deal with unethical conduct in a Company like American Express! 
Where is the consumer protection? 
I look forward to your reply!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
I would like to clarify that these late payments are not accurate, and I believe there has been an error in the reporting. I have attached supporting documentation, including payment records and correspondence with DISCOVER BANK, to substantiate my claim. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct my credit report immediately. I understand the importance of accurate credit reporting and how it can impact my financial standing. 

DISCOVER BANK XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I trust that you will address this matter promptly and provide me with written confirmation of the corrections made. 

I appreciate your attention to this issue and your commitment to ensuring the accuracy of credit information. If there are any additional forms or information required from my end to facilitate the investigation, please do not hesitate to contact me. 

Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation