vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act s
ection 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My wife and I attempted to use the Chase Bank application to submit a payment from my XXXX XXXX savings account. Instead of just asking for the routing number and account number, Chase was asking for my login information, including password, to my XXXX accounts. Who in their right mind would provide a third party access to their accounts where this third party could have full ability to conduct any transactions they wanted? This seems very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Admin Recovery, LLC
State: MN

Complaint narrative:
i have an outstanding debt currently and admin recovery is handling it. i have had them calling repeatedly through out my week both on my personal phone and directly to my job repeatedly, even when i have answered and told them i am busy and can not talk i will call back they still call me back again to harass me the phone right after i hang up. my coworkers have taken messages from a XXXX XXXX that works for admin recovery saying it sounds like an emergency and needs to hear from me today or asap and it sounded very important and the guy was trying to force them to get me on the phone, to give away a direct line which i dont have and to try and get more information on me. XXXX XXXX and admin recovery have called excessively to reach out to me through multiple channels, places and people. he has continued calling different departments at my workplace throughout the previous weeks in attempts someone will get me on the phone with him. i believe this is harassment and or abuse by XXXX XXXX and admin recovery per Fair Debt Collection Practices Act 15 USC 1601. i feel as if i have been harassed and abused. they place repetitious phone calls to both my personal line and reaching out to different coworkers of mine at my place of business near daily and send mail weekly. i have finally been able to reach them as of today, i was unable to speak to XXXX directly after speaking with someone else and expressing the abuse and harassment needs to stop they apologized and said they will speak to XXXX later when he is back with lunch and have him return my phone call. a while later i received a call from his manager. they claim to have removed my works phone number from their system now and wont call back again but that does not excuse or rectify the fact they have already crossed into the harassment territory. calling my phone and work regularly and interrupting our business seems to be harrasment, from my understanding they have not been following the FDCPA.

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 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XXXX I did an online escrow payment of XXXX to cover estimated shortage from pay off quote of XXXX which I was given XXXX on XXXX I did an online payment of XXXX towards the principal On XXXX I wired in a payment of XXXX which was the amount requested to pay off the loan On XXXX I wired in a payment of XXXX as requested from a supervisor named XXXX to cover the new escrow shortage. 
I have called numerous times to have this paid off in full and they refuse to apply the funds received to do this. 
I have spoken to numerous supervisors and a manager named XXXX XXXX. 
I was told to call the ombudsman dept and I spoke to XXXX who said to call back in 2 business for an update. 
I have been told something different at every call I make. This has been going on for weeks. They have a total of XXXX of my money yet refuse to pay off my house. 
They have now taken some of that money as of today and made 2 house payments for a total of XXXX and put XXXX in my escrow account, now saying I owe another {$2600.00} to pay off the house. All of the funds have been there but they refuse to pay off the house. I am also concerned this will show up on my credit report as a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6
11.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: CORELOGIC INC
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-11-27 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: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions 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.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my UPGRADE INC account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned UPGRADE INC account for the months of XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Synter Resource Group, LLC.
State: TN

Complaint narrative:
I have told Synter Resource Group the debt collector company multiple time to cease and desist all communication activities just recently on XX/XX/2023. The debt collector ignored my request and persisted to call me even today. The company called me after I told them to stop on XX/XX/2023 and XX/XX/2023. This is debt harassment per 15 USC 1692d ( 5 ) Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt collector is disrupting me from doing my job which also puts me at risk of losing my job and safety. I have already told them to cease and desist and that I will send a letter, but they are not respecting my federally protected rights and the Fair Debt Collection Practices Act. This is a violation of 15 USC 1692c ( a ) ( 2 ) Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an REI Credit Card, it used to be issued by XXXX XXXX, but was switched over to Capital One. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my Capital One card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX or Capital one reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to Capital one, and got the late fees removed. 

Unfortunately, Capital One also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and Capital one, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with capital one. 

I submitted a written dispute to capital one on XX/XX/XXXX. I submitted a XXXX written dispute to Capital one on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). Capital one then inherited a card with an outstanding amount and made the report to the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was involved in the equifax breach amd my privacy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe ( 1 year ), leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. 

In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication 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 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-11-27 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: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of XXXX previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXXThese receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA has not been capable to handle a simple investigation. I talked to 3 USAA representatives XXXX XXXX and XXXX XX/XX/23 from their resolutions team, who assured me USAA made a mistake and not ALL information was considered when making a decision to take back {$200.00} credit from my account. Their derision to take back the credit was bogus and unfounded, claiming there were no pin failures. When 3 of their USAA reps had complete access to see not only there were MULTIPLE pin failures but different baks were used to withdrawal money. THOSe reps also concluded that XXXX denial WAS NOT accurate or agreed with the assessment. 

Most importantly on XX/XX/23 a new resolution was issue making me liable stating " to new information was provided '' when all the notes and evidence IS WITH THEM from their own usaa team members who submitted the necessary and available information, USAA is either playing or has untrained personal working these cases. 
I would like USAA to correct their mistake immediately, issue a refund and investing why they are failing their customers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief