vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have recently been garnished by a debt collection agency called XXXX XXXX  office via XXXX XXXX. XXXX Missouri. Tower loan is the original debtor. The debt had a COURT JUDGMENT XX/XX/XXXX TO TOWER LOAN TOTAL AMOUNT WAS XXXX. I DID NOT PAY THE JUDGMENT AND TOWER LOAN DID NOT GARNISH OR TAKE ME BACK TO COURT. IT IS XXXX. THAT IS 11 YEARS. THE DEBT IS NO LONGER ON MY CREDIT REPORT AND THE STATUE OF LIMITATIONS TO COLLECT THE DEBT HAS PASSED PER LAW. I RECEIVED PAPERS IN THE MAIL OF THIS FRAUDULENT GARNISHMENT AND THEY ADDED XXXX TO THE FINAL JUDGMENT FROM 11 YEARS AGO AND THEY SENT THE GARNISHMENT TO MY EMPLOYER BEFORE I RECEIVED IT GIVING ME NO CHANCE TO FIGHT IT. THEY ALTERED THE ORIGINAL JUDGMENT PAPERS FROM THE COURT OF 11 YEARS AGO. ALSO TOWER LOAN HAS BEEN DOING HARD INQUIRIES ON MY CREDIT REPORT XXXX SOFT INQUIRIES WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE BEEN GARNISHED TWICE ALREADY AND I AM HEAD OF HOUSEHOLD AND THIS IS TAKONG A FINANCIAL STRAIN AND EMOTIONAL STRESS AND I CANT PAY MY MONTHLY BILLS WITH THIS. I WOULD LIKE FOR THIS TO BE TAKEN CARE OF AS THEY HAVE BEEN SUED BY SEVERAL PEOPLE AND A CLASS ACTION LAWSUIT AS WELL. KNOW THEY ARE DOING THE SAME ILLEGAL THINGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MA

Complaint narrative:
The wrongful and deceptive act was when they reported lates to the credit reporting agencies while I was under a repayment plan which protected from that very act, along with canceling my card after you claim I requested it, but DID NOT, further creating more derogatory information to be reported and further damaging my credit rating and trust with other lenders as a result of your Unfair and Deceptive acts and practices. 

Furthermore, they then called in an effort to collect the debt, but failed to state the reason for their call, nor state that it was an effort to collect a debt. This act alone is deemed an Unfair Deceptive act or practices, and prohibited by credit collection acts and laws. It is presumed that this is their standard practice and if so, other parties are likely similarly injured by their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
After receipt of notification of collection* action the by collection agency ( National Credit Systems ) We responded in writing ( ( XX/XX/XXXX ) disputing the {$400.00} debt and requesting proof/details of same. XXXX did not respond but notified us that they would report the debt to " one or more credit reporting agencies ''. When the collection notice appeared on our reports ( XXXX and XXXX ) I notified them that the debt was disputed and they added the note to our report that it was disputed. I further wrote XXXX on XX/XX/XXXX of their failure to provide the requested proof or to remove the claim. They further responded only with collection invoices and calls and no details.. 

The collection account still remains on our credit reports and has adversely affected our credit scores and record. 


*XXXX  XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the initiator of the collection account tried to bill XXXX XXXX XXXX XXXX XXXX  credit card Iin XXXX of XXXX and that was disputed with XXXX XXXX  as well. XXXX XXXX investigated the dispute and after a period of several months could not get a response from XXXX  and permanently credited her account. XXXX XXXX XXXX never directly sent us an invoice or letter regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act this company 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 a 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.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act this company 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 a 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.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 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 2022-12-14 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act this company Comenity Capital Bank account numbers : XXXX, XXXX, 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 a 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.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have one XXXX XXXX Account ending in XXXX. I opened this account in XXXX, and it has been the only account I have used since XXXX. I access my account with the Amazon XXXX. I have never picked from an account, the auto payments and every payment made outside of the autopayments have brought up my active account in XXXX XXXX until XXXX. I was unaware the closed account from XXXX or XXXX was still located as an account in Amazon to use for payment. 
The following does not sit well with me : 1. Why out of nowhere is another account being used for an XXXX and XXXX payment when years prior, the active account always popped up, and there were no issues in payment? ( 2 payments and no notice there was an issue ) 2. Why was there no notice that the payment had issues? I see the emails showing I made a payment outside of autopay. No email with a subject line indicating a payment could not be processed was sent. No text, phone call, email, letter, or internal message asking for a valid form of payment or informing me there was an issue.

3. I never received a letter telling me my account was closed.

4. I never received anything to tell me there was an issue with the first payment that suddenly drew from the closed account.

5. There is no appeal process to explain that I did not intentionally pay from a closed account. My history does not suggest that this is an issue with me. No other Synchrony Bank cards I have with you have anything similar. I autopay and submit extra payments-no issues until only Amazon and recently.
6. No phone call or text. I am surprised that the system did not generate an auto call or that a person did not call.

7. I think there was a glitch in the system with an update that brought up an old account from XXXX. But this has serious ramifications for my credit and potential security clearance and I am not given an opportunity to fix it before my account was closed for risk.

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 2022-12-14 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a 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 and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
A purchase was made from XXXX on XX/XX/XXXX using my credit card, phone number, email, and billing address, but with a different shipping address. Total amount : {$840.00}. XXXX has already shipped. 

Another charge from XXXX XXXX on XX/XX/XXXX for {$740.00}. 

Reported both purchases to credit card company on XX/XX/XXXX. 

Investigation ongoing XX/XX/XXXX. Credit card company suggested I also open a case with the FTC. Trying to intercept package from XXXX to return to sender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited XXXX checks in the amount of {$28000.00} in an ATM at Chase XXXX XXXX XXXX ATM on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 at XXXX. 
The ATM malfunctioned. 
The ATM Rebooted in the middle of the deposit process. It showed that its performing a Software Update. Once the Update was completed it returned with a RED Message saying the ATM was not in service. 
The ATM did not Deposit my funds nor did it RETURN MY XXXX CHECKS I had inserted. 

I immediately went inside the bank and asked for help. I wasnt helped with any urgency or concern. The teller names XXXX ( she didnt have a name badge nor would she tell me her name ). XXXX told me I needed to call the claims department and they she cant do anything because they dont deal with that. I was very upset and concerned about my {$28000.00} in checks in limbo in their ATM outside. XXXX couldnt have cared less, she didnt try to help me or find him. She ignored me and took another customer behind me and ignored any requests for help. 

I spoke to the next bank teller ( XXXX ) he calmly helped me get to a supervisor to help me figure out what we need to do. 
The contacted banker named XXXX. XXXX had an attitude as if I was bothering him for requesting help with the problem of their Malfunctioned ATM taking {$28000.00} of my MONEY! XXXX did file the claim with Chase Claims department. 
They told me I might get a temp deposit but it could take up to XXXX days to resolve. 
Now I am out of {$28000.00} that I direly need to PAY MY BILLS! 
Chase couldnt have cared less, no urgency or care. I was upset and needed emergency help with my checks in their ATM. I was concerned the machine would come back into service and spit my check out on the ground or into the hands of someone else. 

I want to file a FORMAL COMPLAINT on CHASE BANK and XXXX for how the handled this issue. 
Chase Bank needs a better process to retrieve customers checks and money from malfunctioned ATMS vs telling them too bad you will now wait XXXX days for a investigation to be completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Five months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected thousands with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. Two years in with covid 19 running wild i could it and ended up in the hospital. I didn't know if i was going to make it so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help honor what i thought was my dying wish, I somehow survived. Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? XXXX is tied to Carrington and need to force them to honor this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,

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 2022-12-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my Equifax Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report.

Your immediate attention to this matter is appreciated.

Sincerely,

Company response to consumer: Closed with explanation