vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
For the past one to two years, I have disputed and attempted to validate and verify the alleged debts ( account numbers XXXX, XXXX, XXXX ) that Resurgent/LVNV has listed on my XXXX, XXXX, and XXXX credit reports. I have sent multiple requests and Resurgent/LVNV has never sent any items that validate or verify the alleged debts. They have not produced a contract containing my signature. They have not produced any proof that I have made a payment in any dollar amount towards any of these alleged debts. They have not produced any proof that I made any payment arrangements ( verbal or written ) with Resurgent/LVNV. They have not sent a letter from the original creditor expressing written ownership rights of Resurgent/LVNV and my identity. The accounts in question remain on my credit reports despite them never having been verified by the credit bureaus and Resurgent LVNV never producing documents showing that these alleged debts are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/XXXX i check my credit report and i noticed 1 account is not my i never used and never get any benefit for this is the company XXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, in the morning, I brought all 'unwanted ' items, except frames and foldable laptop table, to the police. After the explanation of situation, I was told to dispose them by the XXXX XXXX police. Also, I was told to ask or notify the management of XXXX XXXX in XXXX XXXX, NJ. Without checking the items in the management office, we agreed to discard them ; however, the lady had decided to keep our apartment number and the information of 'unwanted ' items. Then, I threw away that XXXX XXXX ' item, which the policeman showed the expression of surprise when he saw it at the end after seeing other items. Two earbuds and an angel with dog were donated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing in regards to these frivolous inquires that's has been reported to my credit reports under no circumstance applied for any credit nor gave consent to anyone to do so as well.THESE ARE FRAUDULANT INQUIRES AND UNDER 15 USC 1681c-2 ( blocking of fraudulent information ) all information deemed fraudulent by the consumer me and these inquires needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi I thought the claim was closed in my favor with XXXX XXXX and I spoke to the fraud investigator and she was very rude to me and it been over 45 days and the claim is still pending and I want it close and all payments that was stolen from me to refunded back to me. 
Also I dont want any offers from this bank and I didnt apply for XXXX XXXX or did any business with this company

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 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/23, I send a {$3000.00} to a friend in XXXX, XXXX through my saving of Wells Fargo to his account of XXXX XXXX  XXXX XXXX, my bank asked me questions about the receivers personal thing and I told them to stop sending money and put it back to my account and they ask me twice do you want not to send money and I answer both yes, my branch called me to answer some personal questions of my friend and told them I want my money back but the bank said they already send the money, my friend called me and said the money didnt even reach his bank, yesterday I called the bank and they said someone in Wells Fargo is holding the money for some reason that they didnt tell me. I want know where is my money

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Tried to pull up my Equifax Credit profile on XX/XX/2023 and an error came up requesting that I call customer service, which I did and their customer service dept. wasn't able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to Capital One for some understanding in helping with lowering my credit card payments. I am a XXXX XXXX who has just lost her job. I plan on paying my bill but I need some late fees removed, interest payments, interest fees, and some late fees, as I paid my card twice in one month and was still charged as though I was late. I would also like to be able to remove all my late payments. Any and all help would be appreciated In this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received a response to the original complaint which is not satisfactory. The introductory APR expired on XX/XX/. Regardless of the date of the statements, the interest rate charged to the balance transfer offer increased after XX/XX/. Therefore a payment made XX/XX/XXXX  and received by the company XX/XX/XXXX  should have been applied to the balance transfer balance, which was the highest APR of the plans at the time that the payment was received. The statement dates mean absolutely nothing. This is predatory lending and refunding a partial month 's interest charges while continuing to charge 2.5x the interest rate you are entitled to is not an acceptable response. The documents you sent actually reinforce my positron and prove that the date you applied the payment to the lower interest rate plan was incorrect. You have not complied with the laws and I will continue to file complaints and seek remedies to the fullest extent.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX Experian and XXXX haven't sent me information on how they determine their investigation. When I spoke with experian stated they get their info from XXXXXXXX XXXX XXXX  and I've provided info that I got from them

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 Loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$31000.00}. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/ and a balance of {$48000.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$9400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's causing me 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Town Financial Corporation
State: IA

Complaint narrative:
I got a loan because my car needed fixed for originally XXXX, they called me 2 months later and asked if I wanted to up my loan to XXXX and theyll send me the extra XXXX and I can skip a payment. I agreed however when it popped up on my credit the loan was XXXX instead of the agreed amount of XXXX I called them and asked why my loan was so much and they stated that every year it gained interest and if I kept making the minimum payment amount which is my monthly payment, I would pay XXXX. That I can only pay XXXX if I pay it off before a year

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
of XXXX XXXX, My name is showing as an old name. Also there are three addresses showing as my current. I contacted the creditor that was stated as showing a different name. However the 1 Creditor shown as reporting using my old information, is reporting using my correct current name. I don't see any creditors reporting using my old name. I called on XX/XX/XXXX  to inquire about the instructions for updating my personal information showing on my credit report with Experian, and also my membership information with Experian. I was shuffled around to seven different people from the Disputes Dept, Membership Dept., Fraud dept. and the Smart Money Dept. I was on the phone for 45 minutes. Still have no instructions pertaining to the correct way to update my name to what it was and address.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive escalated this account for several times, directly to your department, concerning an account number XXXX - XXXX - Date Opened : XX/XX/, and I am not aware that this was furnished on my credit file without my approval. I never received any notifications nor warnings about this and I never authorized any person to make some changes on my credit report. I want this to be fully removed from my record. 

I find this account very misleading, incorrect and inconsistent. Please know that I dont give anybody consent to make use of my name and my identity. So, kindly take this off of my credit history 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 non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Called on XX/XX/XXXX, waited on hold for 90 minutes and then was hung up on. Filed an online form on XX/XX/XXXX, never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I've opened a 360 Checking Account on the bank 's website using a public promo code XXXX XXXX XXXX and everything seemed fine initially until my account was restricted the very next day. An email from the bank stated that I have to submit ID verification in order to restore my account access. So I've complied promptly by submitting my Washington Driver 's License on XX/XX/ using the link in the email and was told that the issue would be resolved in 2 days. 

However, no response was received after a week so I've decided to reach out. I called the bank at XXXX XXXX XXXX hoping to speak with someone to get a resolution. A gentleman answered after a long wait and then tried to make the matter very hard for me. I was fine if he's just trying to make sure I'm who I'm, however he just kept going by asking way more questions than I would ever imagined. Half way through the process, he even asked me to submit my ID again although it was already done a week ago, and then, he went on by asking for my full SSN over the phone which I was reluctant to give away. I meant the bank already has that info when I've submitted my application. So I countered to confirm the last four digits only but he wouldn't budge and said he can't help me if I don't give the full SSN. During the call I was actually intimidated multiple times not only by his behavior but also by the so-called bank procedures. I thought he's finished until even more bizarre questions hit me like how did you hear about Capital One, why did you choose to open an account, how do you plan to use your account and so on, which made me felt like I may have gotten scammed by dialing the wrong number. So I double checked the number and even asked the agent for the number of his department, and no doubt, it is Capital One whom I was speaking with. Wow, what an experience from a reputable bank in America! I suspected that this call center may have been located overseas and understaffed, and the whole team there seemed to be poorly trained and treated to have resulted in the kind of service that I've received! 

Before giving up I decided to give it one more try on XX/XX/XXXX XXXX XXXX XXXX  and it went into voicemail box for Customer Protection Resolution Team, so I left one with my full name, full acct number and phone number as instructed. Unfortunately, no call back was ever received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MCM Holdings, Inc.
State: TX

Complaint narrative:
Please refer to complaint number XXXX and incorporate and include in this complaint. My complaint was against the new mortgage company XXXX XXXX ), which is the incorrect entity. The complaint should have been directed to the MCM Capital Solution and the title company XXXX XXXX XXXX, XXXX. The heart of my complaint is as follows : Please utilize all of the documents submitted in complaint no. XXXX, in addition please consider the additional issue based upon the information submitted to me by XXXX. XXXX. The signature is not the signature that I signed when the loan was signed at my construction site in the presence of my plumber. 2. I never received a copy of my signed documents within the three days required to rescind the loan or correct the errors. Documents purportedly signed on XX/XX/2023 and I received a mailed copy dated XX/XX/2023, that was not complete and contained several blank pages. i just received a complete copy from XXXX on XX/XX/2023. 
3. The Escrow Account was not to be contained in the loan documents and was included without my knowledge, consent or consideration. 4. Hold MCM Capital XXXX XXXX XXXX XXXX, XXXX accountable and remove the fraudulent misrepresentation signatures on the documents.

Company response to consumer: Closed with explanation