vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX open on XX/XX/2020 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act this creditor 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have tried several attempts to have them remove the debt from my report. I have sent letters and now I have filed a complaint as well. Please verify or remove from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/23 I tried to make tax payments from my account at Bread Financial ( Comenity bank ) for Federal taxes, New York State taxes, and California state taxes. I checked back daily to my bank account to see when the payments were made, but nothing happened. I got no notice that any payment was rejected, or that is was pending for any reason. The payments were never made from my account. I still as of XX/XX/23 have no notice of why the tax payments were not made or were rejected. I called Bread Financial on XX/XX/XXXX in order to research the issue. The customer service rep could not tell me anything, then put me on hold for 15 minutes and hung up on me.

Because the payments were never made I will likely be charged late fees and interest from Federal and state tax authorities. The only record I have of the payments being rejected is from the IRS and state tax authorities. There is nothing on Bread/Comenity 's website that says that they will reject tax payments, and no explanation as to why I couldn't have used this account to pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive noticed some unauthorized inquiries and 1 unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive noticed some unauthorized inquiries and 1 unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY. The following accounts reporting to my consumer report is a violation of my privacy. REMOVE THE ACCOUNT LISTED BELOW - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA. This collection has been placed on my consumer report. This account is not mine. Remove this account.

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 2023-05-10 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: IN

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 XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: KS

Complaint narrative:
I was informed by a friend of mine that not all accounts on cashapp are charged a fee to receive money. The only time you are charged a fee to receive money is if your account is a business account. I immediately contacted cashapp support in the app. I explained that i am not a business, and I never became a business, but I am being charged like I am. My account has always been strictly for personal payments between family and friends. Cashapp support replied to my concern with what the fee % is for business accounts. I had explained again my problem, they then said I would need to confirm the switch from business to personal. Which I did.. I asked when my account became a business account, they told me XX/XX/2020. I calculated the total fees I have been charged to receive money since then {$780.00}. I asked what I was suppose to do about that much money I was charged when I never switched my account and they told me they would courtesy refund me XXXX $ because they can't go back farther then 7 days. I don't see how that's possible when I never switched my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a new Citi XXXX credit card with a credit limit of {$7300.00}. I'm going on a trip to XXXX and have booked XXXX accommodations there. I wanted to pay the balances due on all three and was successful with 2 of them. When I tried to pay for the third one it was declined. The amount was {$1000.00} Swiss francs. MY 2 previous charges on XX/XX/XXXX were for {$530.00} and {$700.00}. So there was enough credit for the third charge. I notified the company that my card was being declined and told them what the rental place said. 

Here 's their email - " Hello XXXX, I hope you are well. Here in XXXX it is not allowed by XXXX XXXX to charge any Credit Cards with numbers given over the phone. I checked the payment history and the good thing is that the card number is changed in our system. However, we where informed by our credit card company that the payment attempt of XXXX for your reservation was declined by your bank CITIBANK XXXX There can be many reasons why a bank declines a transaction. It can be anything from an error in the card details entered into our website, or the address not matching the card account billing address, to the bank 's anti-fraud security system automatically declining the payment because it is a foreign or unusual transaction. It may also be that you did not complete the 3D Secure ( 3DS ) authorization step to verify your identity as the owner of the credit card by entering an authentication code. In most cases, this is a single-use security code sent by SMS to a mobile phone ( see below for further information about 3DS ). Your bank does not give us any further details. So you will need to contact your bank to resolve the issue and to have them authorize the payment to avoid another declined transaction. Then contact me so that the payment can be re-attempted. You can add an alternative credit card to the booking via our secure website if you prefer. But we would still recommend obtaining prior authorization from the card issuer to avoid another declined transaction. 

Kind regards, XXXX XXXX. The 3D Secure ( 3DS ) payment authorization system should be available through all banks and credit card providers under the following name ( s ) : Mastercard Identity Check / SecureCode Please contact your bank for further information or if you need to check if 3D Secure ( 3DS ) is activated on your credit card account.

When I called Citi and read them the email they worked with me for about 2 hours with numerous attempts to resolve the issue. They could not and said they don't know what to do now. The card should work, but it doesn't. I'd like to pay this company with this credit card and would like SOMEONE at Citi to take ownership and resolve the issue.

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Ove the years of my life I am good payer on my bills well some I amtrying get bank loan from my bank and it's always be deny refuse to get their customers a change so this the virtual of my complaint the company consumer pull this company sad up it's called Clarity Services Inc '' I never heard of this I put u in charge maybe this the False information theft have my Identity

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Please see closed complaint # XXXX. HSBC bank acknowledged they have my funds and agreed to return if my bank, XXXX XXXX, would supply an indemnification statement. My bank states they have done so on a number of occasions. HSBC first stated wording was not to their satisfaction, then stated it was not in correct format. This exchange between HSBC and XXXX XXXX began on XX/XX/2023. I am getting the runaround from XXXX XXXX, Complaint Specialist, at HSBC. My bank states they are complying with XXXX, therefore, it appears XXXX is attempting to not return my funds. Other information : I have attempted to indemnify my bank, legally by means to their satisfaction. I have offered to open an account at HSBC so they could simply transfer funds to that account, I have offered to pay for an expedited check to me and HSBC will not accept any other means to return funds other than requested in their correspondence to me on XX/XX/2023. This is unacceptable and an unfair practice given the numerous suggestions I have provided to mitigate this matter. Please reengage in this matter so I can receive funds all parties agree are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I got my mortgage in XXXX of XXXX and it was transferred to SPS servicing in XXXX of XXXX. I have never had so much issues with a mortgage in my life. 

The Company has really screwed up with my escrow account and my monthly payment has kept increasing although property taxes have been known. There was an escrow analysis done in XX/XX/XXXX ( XX/XX/XXXX prior to that ) in which there was a ~ {$5000.00} shortage and my monthly payment was going to increase by {$240.00} over 24 months to cover the shortage. At this date, all future property tax disbursements were known. I was told on the phone that my new payment ( {$250.00} higher ) would be my payment going forward as property taxes were unlikely to increase materially after the new property tax level was set based on our purchase price. 

Yet in XX/XX/XXXX, I receive another escrow analysis shortage now that claims there is a ~ {$8000.00} shortage in my escrow account and now my payments will increase {$650.00} a month as the shortage will now be split over 12 months instead of 24 months. When I called SPS, they said my payment will continue to increase given reserve requirements will likely change!! They also were unable to answer my question of why we didn't get the escrow analysis correct that was just done in XXXX of XXXX when all future disbursements did NOT change. The fact they can get things incorrect and yank up my monthly bill to attempt to fix it ( and shorten time drastically to repay something that it was their fault ) seems very unethical and that they are acting in bad faith. 

This whole thing seems very shady and I would like all the numbers to be verified - people get " impounded accounts '' so it makes it easy to pay property tax/escrow in a simple way ( certain amount monthly ) and here it has gotten very complicated with the amounts constantly changing and disguised over 12 month vs 24 month splits when my expected disbursements have been constant. They do not know how to accurately do an escrow analysis and I have been punished financially for their disturbing behavior. 

I also had another issue where I had an overage in my escrow and it was so difficult to get it back from SPS. They wanted to send it in snail mail until I demanded overnight shipping. Consumer Affairs has this Company rated XXXX with XXXX reviews, unclear how they can still be in business with this level of significant complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: SunTx Capital Partners
State: AR

Complaint narrative:
Freedom Truck Finance charges off my account while XXXX ; three years later they are showing the account open with an inflated balance not taking into account the resale. Basically they are defrauding the IRS by taking the deduction for the charge-off XXXX  and carrying an open unpaid account for XXXX showing total balance due, amount of payment for the month and account past due for over 180 days impacting my ability to progress in life severely on all credit bureaus! XXXX XXXX  is doing the same thing too!

Company response to consumer: Untimely response
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX has sent an amount of XXXX to collections. 
-Transworld Systems Inc. is the debt collector. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX performed a medical service for my doctor 's office. 
XXXXThey were never accepted by health insurance so they would try to bill XXXX  for thousands of dollars and XXXX  would send me checks for a much smaller amount that I would endorse and send to XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX always accepted the checks as payment. If I spoke with them on the phone they would take whatever amount XXXX  offered. 
XXXXThey never sent me a bill directly in 5+ years of my doctor using their services. 
-As of XX/XX/2023 my doctor terminated his relationship with XXXX XXXX XXXX XXXX XXXX 
-Since then they have started sending all of his patients already settled accounts to collections. 
-I received notice of the debt via email from Transworld Systems Inc XXXX I have never given them or XXXX XXXX XXXX XXXX my email address. 
-The notice states that I now owe XXXX as of XX/XX/XXXX due to interest totaling XXXX since XX/XX/2023. 
-They have also never sent me any documentation about what services I owe them money for. 
-A search on the internet quickly returns the same experience by many other patients being harassed by XXXX XXXXXXXX XXXX XXXX and Transworld Systems Inc XXXX 
-I have disputed the full amount, requested validations details, both online and in written form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2015 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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