vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I have payed a total of XXXX already on a XXXX dollar loan and still owe another XXXX for some reason wasnt aware of all the extra fees and that only a small portion of the money went to the payment of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I placed an order with XXXX  around XXXX of 2022. I called XXXX XXXX to dispute the charge on the XXXX of that month because I never received my items and the order was {$2100.00}. Ever since, I have been in a 6 month long dispute and the bank just recently closed my case, ruling that I had been denied. I also got a chargeback from XXXX  somewhere in between these 6 months but was able to dispute that and win that case. My case was taken to VISA arbitration and only till now have they come to a conclusion. However, I still need a refund for the items that never arrived so please help me get my money back. XXXX XXXX has not been very helpful with my case and has dragged it out for almost 6 months. XXXX XXXX even claimed that they were waiting for the merchant to respond back after having already contacted them. They said they contacted XXXX  and waited the appropriate amount of days, in which the merchant did not respond but XXXX XXXX still contacted XXXX  again. But according to XXXX XXXX 's claims policies, if the merchant does not respond within the given days of initial contact, the case is closed and the customer ( me ) would win the dispute. However, as I was calling XXXX XXXX to check on the progress of my claim, they alerted me that they have contacted XXXX  again for a second time claiming that they're still waiting for their response.

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 2023-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
Payments were not applied correctly causing hardship and affecting credit. Loan modification offered contains {$24000.00} forbearance for being 1 month late. Requested to cancel loan modification that starts to avoid {$24000.00} forbearance for no reason. After misapplied payments, current due for the month on XX/XX/2023, which i am not allow to pay since loan modification still under consideration. Need help getting this mess taken care of and all the hardship it has caused. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened up an account with bank of America in 2019 and upon doing so a couple of months in my card was stolen or lost and someone attempted to cash a fake check in the amount of XXXX dollars in my account that was rejected my account was closed shortly after on XX/XX/2019 and when I explained that it wasn't me, I got the run around. also, I was never told that it would be on my consumer reports because the closure status read paid in full but since I haven't been able to open an account so upon request, I filed a dispute with XXXX XXXX, but I was told it was never on file can you guys please help me get back to normal this is very much hardship for me especially when I did nothing wrong.

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 2023-02-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recov Assoc has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with Portfolio Recov Assoc. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so. 
FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now. 
Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. 

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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: LCI Acquisition Inc.
State: FL

Complaint narrative:
LCI Consumer center is in violation of the FCRA 623 ( b ) ( 1 ) On XXXX, XXXX 2023 I filed a dispute with LCI via certified U.S. mail tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 LCI responded with an inappropriate stall letter in attempt to stone wall myself and avoid doing an investigation as the are required to conduct per the FCRA. LCI stated in their letter they could not validate my identity, I categorically state that is a FALSE AND MISLEADING ATTEMPT TO AVOID DOIND AN INVESTIGATION : 1 ) I enclosed a copy of my State issued driver license and a utility bill. 2 ) my letter was sent via certified mail from my home address. 3 ) my letter was personally signed by me. Enclosed is my original letter and information sent to LCI. SINCE LCI failed to conduct a proper investigation, within 30 days the following accounts must be removed from my file : BANKRUPTCY COURT IN FLORIDA Reference Number : XXXX filed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have automatic payments set up to pay XXXX to my credit card every month on the XXXX nd of the month, for the month of XXXX it did not automatically draft I called the credit card company and they said that I had canceled the payment, which I never did, I made the payment and the credit card company refunded the XXXX dollars for the payment, the next month I was charged XXXX dollars late payment because I allegedly was XXXX dollars short on my payment even though I had never paid more than a XXXX dollars minimum payment even with the card maxed out. To change someone XXXX dollars for an alleged XXXX dollars is downright criminal I dont think that happens even in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: AL

Complaint narrative:
I have provided documentation from the car dealership that the car was sold to them before the payment was due. XXXX also provided letter to EQUIFAX STATING I never had a late payment. EQUIFAX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The XXXX account was never late I need that fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account XXXX : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation

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 2023-02-25 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: LA

Complaint narrative:
After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX *The above numbers may differ from actua

l records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a 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 2023-02-25 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: LA

Complaint narrative:
After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *The above numbers may differ from actual records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX  XXXX, personal XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DBA XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX and public record XX/XX/XXXX TransUnion

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX the XXXX percent intererst expired on my one of my balances. My balance was {$1100.00}. On XX/XX/XXXX, I paid {$1100.00}. Citi credited the payment to a different balance, under the same account, that has a 0.99 %. The XXXX percent interest that expired on XX/XX/XXXX was raised to 16.74 %. I agree, I would owe this interest rate from XX/XX/XXXX to XX/XX/XXXX, 8 days. Instead, Citi continues to allocate close to 100 % of all my payments to the balance on the 0.99 % balance. 

When I called Citi, the representative assured me the payments are allocated to the highest interest rate balance. For three months running, this is not true. 

From XX/XX/XXXX - XX/XX/XXXX, I have paid {$1500.00} to this credit card account. The balance on the high interest portion has been reduced from {$110000.00} to {$1000.00}. Citi has only applied {$63.00} to the high interest balance. On the high interest balance, I have been charged {$36.00} interest.

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express sent an offer to my existing account blue cash everyday credit card for upgrading to blue cash preferred card, as part of the upgrade the company required us to complete {$1000.00} purchases in 3 months with an annual fees of {$95.00}. After completing the purchases last year, the company awarded the promotion as a statement credit to the account. After evaluating that there was a limited use of the card and in order to avoid future fees associated with the preferred card, the customer requested to downgrade the card to original card. American Express downgraded the card but charged a statement credit reversal to the customer. Upon reaching out the customer service, the following 3 things needs to be noted : 1. American express follows a deceptive practice with promotions violating UDAAP to reverse the promotion even when the customer completed the promotion in the required amount of time 2. Upon reaching out to American express and asking on why there was a charge and disputing the transaction, there was no clear determination made by American Express if the disputed charge was correctly made. American Express representative described that the company will need 2 weeks time to complete determination, however declined to dispute the transaction and the customer is required to make the payment for a charge which the customer has already disputed, violating Reg Z 3. On XX/XX/XXXX when the downgrade was requested over phone, the customer service didn't mention there will be additional charge added to the account following a downgrade or gave customer the choice to make a appropriate decision sharing full disclosure. Again violating TILA and displaying UDAAP Below was the record of the dispute and related complaint ( reference : complaint case number XXXX ) with the company however American Express continues to require the customer to make the payment. 

Please take an appropriate action firstly to ensure customer does have the right to dispute transactions and not forced to make payment, and secondly for following deceptive practices to violate the use of promotional offers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
XXXX XXXX started service at an address in another state and incorrectly assigned it to my account. I received a first bill, at which point I contacted them to say the service address was not mine. Then I received a final bill for {$110.00} for the same incorrect address, and again contacted them to say it was not mine. I just received a letter from a debt collector for the amount of the final bill. 

The attached is a copy of the final bill. I have no connection to this property ; I have never been to and do not know anyone in XXXX, SC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief