vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
This complaint is regarding Sunrise collection who I understand must have bought a previous inaccurate collection from another company, XXXX XXXX XXXX, probably the month prior prior. They were representing XXXX who claimed I owed them {$590.00}, which I did not ( and in reality, they owed me money for repeatedly withdrawing autopay payments for services they did not provide me- I had switched to XXXX several months prior and only XXXX was providing service and XXXX had been notified by them and me that I was switching plans ). I had gotten XXXX to take off this inaccurate report in XXXX but then Sunrise popped up with it in XX/XX/22. I filed a dispute with XXXX and am still waiting. No one from Sunrise had reached out to me. I am suppose to purchase a home on XX/XX/22 and this wrong report has brought my credit down substantially and will result in paying a much higher mortgage rate if this is not resolved asap. Thank you for your help.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My credit report stipulates that the credit card company noted my credit card was over the limit by XXXX. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had Amex lower my XXXX XXXX XXXX credit limit to XXXX and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of XXXX and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!

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 2022-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Date : XX/XX/2022. 
Amount : {$160.00} The related company : Bank of America, XXXX XXXX Compant Actions that were taken by me : I paid my mobile service on XX/XX/XXXX. Due to some technical issue, I was duplicate charged. From my bank statement, there were two duplicate transactions. So I asked a refund for one of it. 

I called XXXX XXXX company several times. XXXX insisted they only got one of my payment and they have already refunded to me. XXXX asked me to call my bank, the Bank of America, to see if the money was still in BOA 's nonminate account. 

I called Bank of America. Bank of America insisted the money has gone to XXXX 's bank. Bank of America asked me to call XXXX. I also asked for a dispute for the transaction, but it was denied due to existing timeframeworks. 

I called XXXX again, XXXX asked me to call BOA. 
I called BOA again, BOA asked me to call XXXX. 
That's what is happenning now. 

I really want to know where is my money? Who stole it from my credit card? I paid my mobile service on time but XXXX said they didn't gey my money and stopped my service. I want my money back. But I even can not know whether it is in the Bank of America or it is in XXXX 's account. Both of them said they didn't get my money. I felt like I was a soccer being kicked around.

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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, TransUnion alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!

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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been unable to dispute items on my credit report or freeze my credit report for the better part of a year. I've been told many times that Trans Union will call me to do 'maintenance ' on my account and this will resolve the issue. I now have a number of fraudulent items on my report I'd like to dispute and Trans Union does not seem to care too much to help me get these resolved. I have called many many times and have been hung up on many times. I need these resolved.

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 2022-12-19 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: PA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/2022 someone used debit card number to purchase an unknown item from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}. Again on XXXX XXXX my debit card number was used to purchase home security system from XXXX in Michigan in the amount of {$56.00}. I did not make either of these purchases. I disputed both of these charges immediately. After Capital One did their investigation I was told I would be held responsible for the charges. They claim that they sent me a text, and I okayed the purchases. That is absolutely not the case. 
My total SS income is only {$1300.00} a month. When these purchases were presented to Capital One I only had {$760.00} in my account. The fraudulent purchases should have been declined, but instead the were processed. I am a XXXX XXXX XXXX woman on XXXX. I can not afford to loose {$2000.00}. That is more than I get in an entire month. I have made numerous calls to Capital One, I have explained my situation to 8 different people and their decision stays the same. Please help me please. Most sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX failed to disclose the Late payment deadline required to be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, XXXX alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Collection Services for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX and XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Collection Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Collection Services, continues its collection efforts, I will file for litigation for actual damages caused and Credit Collection Services, shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
On XX/XX/2022 American Honda finance failed to disclose that I have a right to rescind the credit consumer transaction, which is stated title XXXX subject XXXXAmerican Honda Finance also made it an obligation That I pay a Down payment in the amount of {$3000.00}, Federal law states that it is illegal to make a person pay for something that there beings financed for.American Honda Finance would then make it mandatory for me to pay for insurance out of pocket, which was {$980.00} from XXXX XXXX XXXX .According to title 15 Subsection 1605, the finance charge is the total of all charges, which means the insurance should have been included with the finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
starting XXXX and ending in XX/XX/2022 I supplied the same exact financial and personal information to the Pennsylvania Homeowner Assistance Fund which was giving to mr Cooper in XX/XX/2022 for modification assistance. 
XX/XX/2022 mr Cooper response to my cfpb complaint ( promptly closed ) was the information supplied was inaccurate or incomplete documentation ( which was a lie ) because I supplied a affidavit, government application for assistance, copy of death certificate, XXXX months of bank statements, XXXX years of income tax returns, hardship letter, pay stubs, copy of driver license, social security card so the PHAF was more involved yet they NEVER LOST ANY DOCUMENTS!!

this entire time ive a been incurring malicious accelerated rents and interest which was paid by the PHFA grant and now I still have no remedy from the hardship I've received at the hands of this predatory company with its sloppy paper handling and mishandling of deadlines and out right LIES.

The accelerated rents are malicious because had my paperwork not been lost like I stated OVER AND OVER AGAIN in NUMEROUS other cfpb complaints I wouldn't wouldn't have needed a grant I would have complied with mr coopers modification requirements my bill was XXXX a month .... now my bill is like XXXX are you insane!!! you are CROOKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my XXXX credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within 24 hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. 

I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. 

No response.

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 2022-12-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation