vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act USBK 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 a 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 2022-08-04 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In light of the recent investigations that have been brought up against Equifax, I have found the my credit profile is being irresponsibly tampered with. Over the past two years, I've made several attempts to remind you of the obligation pursuant to 15 USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. As you should see in records, these accounts were disputed without being properly investigated thus I know that they can not be verified or validated. 
The accounts that I am referring to are listed below. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
under 15u.s.c6802 I have the right to privacy and never gave consent to the bank to report my account, then i send them a certified letter with tracking number XXXX they never respond, I never recieve my OPT out form, its my consumer rights to can opt out from them reporting to 3 partys and they are violating my rights and this is a federal law but they don't care and also this is identity theft I never gave consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CO

Complaint narrative:
I called Equifax on XX/XX/2022 to get XXXX accounts removed ( one alleging {$8000.00} and another {$9800.00} ) from my consumer file that I did not authorize to be on there. Equifax assumed this role of assembling credit worthiness and were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Equifax fail in the initial investigation of this information. Equifax also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Equifax did not insure that this information is accurate, and did not exercise their grave responsibility with fairness and impartiality. Equifax never consulted with me to find out if this transaction even took place. As a result of this, my privacy was breached, and this violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

Equifax and XXXX acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIRVA WORLDWIDE INC.
State: TX

Complaint narrative:
Hello, I made a partial ( 50 % ) payment to my mortgage company on XX/XX/2022. Payment is due in full by XX/XX/2022. I received a letter dated XX/XX/2022 that they could not apply the {$1100.00} upon receipt because it was not a full payment. 2nd half of the payment was sent on XX/XX/2022, at which time they applied both the 1st and 2nd payments as " one full payment ''. So they held my payment for half the month until they received 2nd half. I called today and they said they can not apply partial payments and I think this is wrong. They should apply ANY funds received toward my loan upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX in XXXX. I agreed to pay $ XXXX thru Synchrony bank for the cost of my purchase. I was told that the due date is the XXXX of each month. I have XXXX XXXX  records that I've paid as agreed. 

I was NOT told that a payment made prior to the XXXX of each month would be credited as a payment for the PREVIOUS month. XXXX is claiming that I have past due balances because my EARLY payments were credited as payments for the previous month. 

In a phone call between XXXX, myself, and a female in the XXXX accounting dept., the XXXX person explained why their system shows an erroneous past due balance. She said XXXX would erase/cancel the past due claims and advised me to just be sure I paid AFTER the XXXX of each month. 
I thought the issue was resolved, but XXXX is STILL making collection calls about this ERRONEOUS past due balance. My credit score has taken a big hit, and XXXX is the reason why. Please 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 monetary relief
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Colony Brands, Inc.
State: UT

Complaint narrative:
I received a notification from my credit monitoring service that an inquiry into my credit had been initiated by this company. I have never used this company, nor have I submitted an application for credit with them. I would like to have the inquiry removed from my credit report as well as any information that was submitted associated with my identity removed from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
I recently reach out to Equifax and XXXX Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and XXXX and Equifax has not helped me and I am suffering through XXXX due to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services
State: TN

Complaint narrative:
I have a secured loan # XXXX with Lendmark that was started on XX/XX/2021. They have the title of my car as collateral. On XX/XX/XXXX i made my monthly payment of {$270.00} with my XXXX XXXX XXXX debit card. It cleared on XX/XX/XXXX. On XX/XX/XXXX Lendmark called me and said the payment was returned and past due. I checked with my bank and it was not returned or refunded. I provided XXXX XXXX and XXXX XXXX at Lendmark my bank statements and transaction details showing them the payment cleared and was not returned. Through the month of XXXX they continued requesting my bank statements on a weekly basis and i provided them. The payment was never returned or refunded and they have refused to update my account balance. The loan is now in default and they have informed me the car will be repossessed if i dont make that payment again. I called Lendmark and did a conference call with XXXX XXXX XXXX so they could directly ask them about my account. We did two conference calls in the past two weeks. Both times the bank directly told them my account was never refunded or returned any amount of money from Lendmark. 
Lendmark has now refused to answer my telephone calls over the past week. They are still showing my account in a default status on their website. I am worried they are going to repossess my car. It is very unfair. 
The payment cleared on XXXX which was 58 days ago. I am a XXXX patient and XXXX. Please help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I was a XXXX XXXX customer with autopay ( XXXX on time payments ) since at least XX/XX/XXXX. I left XXXX in XX/XX/XXXX. They charged my credit card the full amount of service one month later, even though they always billed in advance. They also did this the prior month when I took a family member off my family plan. There was also no prorating of charges. 

When I called XXXX to ask for an invoice to see what i was paying for ( 3 calls : in XXXX, XXXX and XX/XX/XXXX ) they did not explain it well to me ( they used extremely complicated " in house '' jargon ), and refused to mail me an invoice, saying that I had paperless pay so they could not mail me anything. However, I no longer had access to my verizon account online. 

I was fed up, so I disputed the {$51.00} charge with XXXX, my credit card company, on XX/XX/XXXX. On XX/XX/XXXX, instead of responding appropriately to XXXX, XXXX reported me delinquent to XXXX and sent the {$51.00} to collections with IC Systems. 

They later reported me to XXXX, as well. 

I disputed the debt with XXXX but it appears they " sided '' with XXXX. ( I had to call them a second time because the dispute resolution forms they mailed me made no sense ). 

I tried calling XXXX 8+ times over the month of XXXX. I was hung up on repeatedly ( I was not being irate, or raising my voice ) and had reps tell me " I can't hear you '' when I had full service and have never dropped a call from my home, almost as if that were a strategy that XXXX taught their reps, and multiple customer service reps gave conflicting information or made promises that were not fulfilled. 

For example, on XX/XX/XXXX, a XXXX customer service rep kindly told me he would remove the charge from my account and that everything would be resolved in 48 hours. On a subsequent call a few days later, I learned he had no capacity to do that because the " debt '' was already in collections. 

I paid the amount today ( XX/XX/XXXX ) through IC systems debt collectors because I essentially had no recourse, I was bullied into paying it. 

There is no justification for a company to : - Not provide an invoice - Not respond to a credit card dispute, which is what made the bill turn negative anyway - Not give me any advance warning that a bill was going to collections For this piddly amount to negatively affect my credit score for the next 7 years on my credit reports -- - after about 140 on time payments -- seems unjust. To make matters worse, I am currently house and / or apartment hunting and am afraid that, despite today 's payment, I will be denied housing or charged more for a mortgage.

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 2022-08-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
First off let me start by saying that THIS IS NOT A REINVESTIGATION REQUEST. I've made several attempts to remind your of your obligations pursuit to 15USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs.

USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigation all of the unverified information must be promptly removed. As you can see from your records, these accounts were disputed without being properly investigated, thus I know that they can not be validated or verified. 
The accounts that I am referring to are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
I am a CONSUMER and Jpay is collecting a debt that has not been verified. They are and have violated and discriminated against me. False and misleading. 15 USC 1692A and 1692E ....! 9 USC 1520

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is to request your assistance in resolving a problem with a wire transfer that has been lost. 

I submitted a wire transfer from my account with USBank, in XXXX, CA. I am purchasing a home, and the money transfer was required for XXXX. The details regarding this transaction are as follows : Date : XX/XX/2022 XXXX {$18000.00}. 
Reference XXXX On XX/XX/2022, a wire transfer to XXXX XXXX XXXX was processed for escrow. Several days later, the escrow officer notified me the wire transfer had not been received. 

As of today, XX/XX/2022, the wire transfer has not been processed and I have not received any information or assistance from the XXXX branch. I have made numerous trips to the bank and repeatedly spoken to XXXX XXXX, branch manager. 

It is extremely frustrating that the branch manager had no information and responded that he didnt know anything. 

Wire transfers are supposed to be available to send secured funds in large amounts and completed within minutes. It has been seven days, and US Bank has not located my money or provided any assistance. Each time I ask about the wire transfer, XXXX XXXX is dismissive. Finally, I was advised that the wire transfer is under investigation. 

On XX/XX/2022, I was advised by the wire transfer customer service office that XXXX XXXX had failed to respond to their correspondence. It appears XXXX XXXX is either incompetent or simply unconcerned about customer service. This afternoon, I contacted the Corporate Office and was referred to the supervisor, XXXX XXXX XXXX. I left numerous messages, but she never returned my call. Lastly, I contacted the bank and wire transfer office but can not resolve the issue. XXXX XXXX advised me the wire was processed today ; however, escrow has not received it. 

This error may cost me thousands of dollars because the interest rate on my loan may be significantly higher. In fact, I may lose the opportunity to buy a home because of this error. 

Thank You, 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 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, a representative from Klima, Peters & Daily stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that Klima, Peters & Daily had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble.

I had contacted Klima, Peters, and Daily in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
The collection agency keeps submitting a medical bill that I never received against my credit report. I have no knowledge of this bill. I have disputed the bill repeatedly with the company, but also to the credit bureaus. The credit bureaus then remove from my credit report. The amount of the bill is around {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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