vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have reported it to the credit Breau I never had an account with this company. I have requested them to stop but they continue to call, daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
Status date information across reporting agencies is inaccurate and incorrect one has pass due amount of XXXX XXXXother have paid in full while other have my account reporting as open and closed accout .... date XX/XX/XXXX other dates XX/XX/XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Status date information across reporting agencies is inaccurate and incorrect one has pass due amount of XXXX XXXXother have paid in full while other have my account reporting as open and closed accout .... date XX/XX/XXXX other dates XX/XX/XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Card service has continued to harass me by continuing to call from several different phone numbers and various state locations at all times of day and at least seven times in a week. 

The credit card debit is over XXXX XXXX XXXX and I had submitted a XXXX XXXX XXXX complaint a few years ago and all communication was ceased for two years. I recently had my information compromised as a result of the XXXX security hack and I am worried this is a scam attempted. 

The account in question was already charged off and was on my credit report from XXXX. 

Thank you for your assistances in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Medical collections under {$500.00} are to be removed from credit reports according to the Consumer Financial Protection Bureau. The company did not remove their account. 

WAKEFIELD AND ASSOCIATES Original Creditor : CEP America LLC Alleged Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX statement for my credit card ending XXXX showed a previous balance of {$920.00} and a payment of {$850.00} leaving a balance of {$74.00} that I was charged interest of {$21.00} or 29.51 %. Clearly usury. The basis listed for interest charges on the statement was {$1100.00} compared to a new balance due with current purchases and the interest charge totaling {$1100.00}. 

I called BofA on XX/XX/XXXX asking how interest is charged on an amount greater than all the new charges and balance due. I was told some obscure formula calculated a daily balance to determine charges. The representative could not explain in detail how it applied to my situation nor why new purchases are subject to carrying even if they occur at the end of the billing cycle. It appears to be a smoke screen for usury.

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 2023-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am writing because my mortgage problems began when Covid started. I worked for the same company for 20 years and as other companies experienced work slow drop down dramatically or completely stopped. Ours didnt stop but it did slow down dramatically. I took advantage of the forbearance that my mortgage company Select Portfolio Servicing was offering to not have to make payments because of hours cut or loss loss of wages, In XX/XX/2020 I was involved in an auto accident with a company vehicle that someone got injured and died. This was an unintentional accident. I lost my job of 20 years and I contacted select portfolio telling them I had needed to continue the forbearance. It was continued until the forbearance ran out. I have been unable to obtain work because of this accident due to several court appearances meeting with my lawyers, etc. I contacted select portfolio servicing and they have not been of any help at all. In the last three months. Ive talked to eight different relationship managers -- -the relationship manager that was assigned to my account has never contacted me. Ive left numerous messages-Ive sent emails Ive sent along with documentation that has both my number and my mothers telephone number.. Finally I talked to a gentleman named XXXX, one of the eight relationship managers. He told me that the relationship manager had documented that she tried calling several times when asked what number she was calling XXXX gave a number that I have not had since the accident happened- if my relationship manager was reading my documentation and listening to my messages she wouldve found that I had a new number and I also authorized my mother to be called about anything, to be given any information, but nothing was ever done now my house is in foreclosure, It was supposed to go on the sheriffs block on the XX/XX/XXXX. I got it moved to XXXX and now because XXXX having other agencies involved now - XXXX and XXXX XXXX XXXX XXXX XXXX I got select portfolio to move to XX/XX/XXXX but theres still no definition of what theyre going to offer as a payment structure. I am being incarcerated in XXXX because of this accident and I want my children to have a home to continue living in, and I have given my mother all the authorization that is needed. in talking with one of the relationship managers, Ive been told they have had a large turnover and a lot of the relationship. Managers are not fully knowledgeable of what to do it issad that some of them dont even try to help they just say Im transferring you Its really sad for such a big business such as select portfolio servicing to have unqualified people especially when its regarding somebodys home being taken away from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
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 non-monetary relief
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
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 non-monetary relief
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This collection account is reporting as a open ... with a pass bal and the credit reporting agencies is reporting this inaccurate information... the account is the US department of education the amount is {$4500.00} reporting date as XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Toward the end of 2022 Capital One began claiming that my credit card payments are late, even though they were mailed 10 business days prior to the due date. After more than 20 years of doing business with them, it is clear to me that Capital One is now taking longer to post mailed-in payments in recent months. Although they point fingers at US Postal, I find my payments to other companies have not been affected. I've complained for two months in a row to Capital One, yet they insist I need to pay late fees and interest. Consumers are not given any way to verify when payments are actually received, and are faced with a compromised credit rating if they do not pay these dubious surcharges. A Capital One representative told me that they are using a third party to open mail, therefore they can not verify the post mark dates on payments, and insinuated that the third party may be causing the delays, thus washing their own hands of any wrongdoing. Consumers should not be forced to accept Capital One 's unsubstantiated claims about when payments are received. If Capital One is receiving a windfall by using a slower payment posting process, with no warning to customers, while concurrently extorting fees from those who do not pay electronically, Capital One should be immediately audited and investigated and punished. In addition, I submit that credit card companies in general should be required to document the postmark date on mailed-in payments as verification of when a payment was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately!

Please investigate and provide proof on how this account was verified. and delete this account immediately.

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 2023-02-20 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
The enclosed company have been hassling me though text messages and now email please help. i don't owe anything to them Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the XXXX week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last time which is 2 weeks ago, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.

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 2023-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: HI

Complaint narrative:
I entered into a loan contract with Mosaic, Inc.which funded my solar project for my home in XXXX, 2022. The loan number is XXXX. I have repeatedly tried through telephone calls and emails to get a correct answer to no avail. I need a senior loan officer or supervisor in charge to assist me. The respresentatives with whom I can spoken to or was emailed by simply have not resolved the issue. 

The siutation is as follows : I pay more than the monthly payment and the excess should be credited towards principal and that is not happening. I called the compan again today and asked for a senior loan person and was disconnected. Before I was disconnected while the representative transferred me definitely did not know what he was talking. Based on our brief discussion, it appeared that he had litle or no finance experience. I asked to have a senior loan officer or supervisor in charge that could explain why my principal was not being reduced. The statements online clearly show a credit balance but it is not being applied correctly. I asked this representative when someone might call me since I have been emailing and calling to get a resolution for the past three months. He replied that he didn't know when anyone woudl cal me back and, frankly, made no effort to help me resolve the issue. 

These companies are taking advantage of consumers and do not fully explain why paymnets are not being applied correctly. They need to be held to a higher standard and should comply with a consumer 's request. I would like a resolution as to why my excess payments are not being applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: WI

Complaint narrative:
XXXX XXXX Account illegally being furnished on my credit report. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to belonging to me. 

I, XXXX XXXX, on XX/XX/2023 filled a complaint with the Wisconsin Department of Financial Institutions ( DFI ), against XXXX XXXX ( XXXX ) and requested verification and validation of an account being furnished to my credit report. 

On XX/XX/2023 I received a email from a Consumer Credit Examiner, who was assigned to me through ( DFI ), to examine my complaint that in response to my complaint, XXXX ( XXXX XXXX ) in a letter sent in PDF form, stated that they were unable to locate any account in my name. No record was found for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Clear violation of federal law, by being reported on my credit report, with no validation of this account be true, accurate and verified.

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