vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: MI

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. 
Account name : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX federal 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 XXXX 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. 
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 2023-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a checking account with Capital One Bank. I am trying to open a XXXX account with them. The bank refuses to open the XXXX account unless I have a cellphone. They will not open the account unless I provide this number to them. This is discrimination by the bank. The bank already has my home landline phone number and my work landline number. I should not have to own a cellphone in order to have a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My name is XXXX and I have been Appointed as the Administrator for my Mom Estate by the XXXX XXXX XXXX. Please accept this complaint on behalf of my Deceased mom 's Estate, the Mortgagor. 

Background On, or around XX/XX/XXXX, I became aware that my mom 's home was in Foreclosure. I notified PennyMAC immediately that I am a Surviving HEIR of my Mom 's Estate. I faxed PennyMAC XXXX. ) A copy of my mom 's ( XXXX XXXX ) Death Certificate, 2. ) A copy of a XXXX XXXX XXXX XXXX XXXX that Identifies me as a Surviving daughter of my mom 's Estate and as the Special Administrator 2. ) A list of names of additional " next of kin '' who are Heirs to my mom 's estate as well. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PennyMAC 's Attorneys were served via Express Mail and Certified mail a Wrongful Foreclosure Notice with notification that I had filed complaints with FHA ( FHA Case No XXXX and FHA HUD Escalated Complaint No. XXXX ). 

PennyMACs Agent ( AP. ) was delivered via email a copy of a XXXX XXXX XXXX ( XXXX ) name me ( XXXX ) as the Administrator of the Estate. To date I have spoken with approximately ( 19 ) PennyMAC Agents, and PennyMAC has failed to be completely transparent regarding what additional documentation is required to name me as the Successor-In-Interest for my Mom 's Estate. 

Issues XXXX Foreclosure dates have been set to sell my mom 's home without allowing me a legal heir to be confirmed as the Successor-In-Interest of my mom 's estate. PennyMAC just delivered the TILA Disclosures, A copy of the Breach Notification, Loan Default information, Loss Mitigation, or any Account Reinstatement Remediation options, etc., on Friday, XXXX XXXX XXXX, after I had been requesting them for XXXX and a half months. 

I requested access to my mom 's online account after becoming approved Authorized Third Party. I was granted Access for less than ( 24 ) hours because a PennyMAC Supervisor by the name of XXXX revoked my access without cause and documented in the PennyMAC System for no one to give me back access to my mom 's account. I just received the TILA Disclosures, a copy of the Breach letter, Accounts in Foreclosure Notifications, Default Amount, Fees, Charges, and Loss Mitigation, etc. 


Motive for their Actions : My mom owes approximately $ XXXX on her property. The Estimated Value of my mom 's property is {$390000.00}. 

Thank you for allowing me to share this horrific experience! I am Praying that we will be able to reach a Mutually Satisfying Resolution. 


Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently moved to a new address and I informed Equifax about updating my credit report with my new address. I have mailed them letters along with my personal documents requesting for them to update my credit report to reflect my new address XXXX times. They have yet to update my address despite XXXX letters and XXXX phone calls requesting them to do so. I need my address updated ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: IN

Complaint narrative:
In reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX. 
XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 U.S.C 1681Section 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 an account without my written consent.

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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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 incorrect.

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 2023-01-08 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 Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681a ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX XXXX SERVICES They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target store credit card lowered my limit from {$1600.00} to {$900.00} for no reason at all.never late never missed payment.because of of this drop they messed up my fico score.no company every did that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: IL

Complaint narrative:
Accordance to the fair credit reporting act XXXX XXXX XXXX, acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Shows I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also shows 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 2023-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Digital Currency Group Inc
State: NY

Complaint narrative:
Genesis Global Trading partners with the company XXXX XXXX XXXX XXXX XXXX and offers an account called XXXX XXXX  ( also known as XXXX XXXX  ) The account is advertised as a low risk way to earn interest on Cryptocurrency assets. The program marketing and agreements state that assets can be redeemed from the account at anytime, instantly. 

I made deposits into my XXXX account between XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I initiated a redemption from my account for {$180000.00}. I received a message stating the funds would be available by XX/XX/XXXX or earlier. As of today the redemption is still " pending '' and I have not been received my assets back. 

In addition to the above amount, I have approximately {$25000.00} in cryptocurrency assets and {$3900.00} in interest in my XXXX account which is also being withheld. 

I contacted XXXX on XX/XX/XXXX regarding the pending redemption. They responded the same day stating they had paused the redemption of funds from the XXXX program. I corresponded with them again on XX/XX/XXXX and XXXX, XXXX. They have continued to state that they can not give me access to my assets and they have frozen withdrawals from my XXXX account. 

XXXX has indicated their partner company, Genesis Global Trading is responsible for customer assets in the XXXX program. Theyve stated Genesis Global Trading has frozen redemption and withdrawals from XXXX accounts. They have not been able to provide additional information, or to give a date when my assets would be available for withdrawal. I have not been able to reach Genesis Global Trading regarding the issue. 

Genesis Global Trading XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX United States XXXX # : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NM

Complaint narrative:
On XX/XX/2022 Wakefield and Associates of XXXX, TN texted me a debt notification letter. I disputed the debt, as I have never received a bill from the entity they are claiming I owe money to, via XXXX class mail with tracking. Wakefield and Associates received my response and signed for it on XX/XX/2022 at XXXX XXXX by XXXX XXXX. Wakefield and Associates has not sent any proof that I owe any debt. They are in violation of the Fair Debt Collections Act Section 809 subparagraph b If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

They have placed a disputed debt on my credit report without sending me any form of verification and proof. Their actions are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

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

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: GA

Complaint narrative:
I opened disputes. They just kept saying they couldn't open disputes due to accounts being verified but could not prove who they spoke to or who validated the debt. The debt was improperly validated. They are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: IL

Complaint narrative:
The fair credit act XXXX XXXX XXXX, my acct # XXXX, violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it's 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 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. 

According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. 

Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a XXXXday letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. 

I am XXXX and living on XXXX XXXX as my sole source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: AL

Complaint narrative:
I recently paid this collection off in full, they told me they don't pay to delete they only update the account as " PAID IN FULL '' and they still have not updated my account at all, the ORIGINAL account is from XXXX XXXX. this account is hurting my credit score very badly to where i can't get any credit cards. I have multiple phone recordings of all conversations about how the account was gon na be updated to " PAID IN FULL ''. I need this account updated ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I established two interest free XXXX XXXX XXXX Comenity Bank plans to pay for dental fees over time. I made regular payments. 

However, I did not receive paper statements and was not signed up for paperless statements. 

When I called to make a payment XX/XX/XXXX, I was advised that the interest free promotions had expired, and I was being charged interest. I had not received paper statements to advise of upcoming expiration dates. If I had, the balances would have been paid prior to the promotion expiration date. The principal balance due on both were paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, the first interest free promotion ( original amount financed was {$740.00} ) expired and currently reflects interest due of {$11.00}. 

On XX/XX/XXXX, the second interest free promotion ( original amount financed was {$1100.00} ) and currently reflects interest due of {$440.00}. 

On XX/XX/XXXX when the principal balances were paid in full, we requested paper copy of statements, the first was provided on XX/XX/XXXX. I asked for relief from the very high interest charges through the Customer Service Department. They denied this request, I also contacted the Debt Settlement Department of XXXX XXXX XXXX Comenity Bank to request relief from the high interest charges. They did not return my call. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX Bank Customer Service Department to follow up on my request for relief from the high interest charges. I was told they could not adjust the interest charges. I filed a consumer complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX Bank. They advised the interest and late fees will continued to be charged to my account based on the outstanding interest balance. 

I offered to pay {$100.00} interest as a fair settlement to these charges, this offer was rejected by the XXXX XXXX XXXX XXXX Bank Customer Service Department supervisor. 

I ask for your help for relief from these extremely high interest fees charged, based on the lack of correspondence on the status of my account and the promotion expiration dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: MO

Complaint narrative:
The XXXX XXXX XXXX, Trans Union has continually reported inaccurate credit information in my credit file and violating the Fair Credit Reporting Act ( FCRA ). I had disputed the credit accounts more than XXXX times with all three major credit bureaus, this included the online credit accounts, and by numerous of phone-to-phone conversations regarding the credit inaccuracies. I had even provided online bankruptcy documents to aid in correcting the information in my credit file as well.

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 2023-01-08 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: NC

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # N/A 15 USC 1681 section 602A states I have the right to privacy. 

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.

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 2023-01-08 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 at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 1

5 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.

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