vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX ( Account # XXXX ), XXXX XXXX Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX Bank XXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 604 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.

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 2022-04-22 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX from XXXX XXXX XXXX, 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 an 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 non-monetary relief
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS HOSTAGE financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some English but evidently do not comprehend it?

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Commenity bank is reporting that I have 3 accounts that were written off and sent to collections. On XX/XX/2020. I spoke with XXXX at XXXX ext XXXX and paid off XXXX, XXXX XXXX, and XXXX. 

Amounts paid - XXXX {$120.00} XXXX XXXX - {$60.00} XXXX- {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OK

Complaint narrative:
I recently purchased a home and I noticed on the credit check a Collections account with Amsher Collection Services. This account was evidently a delinquent account from XXXX XXXX that was opened in 2020. I have never had an account with XXXX XXXX. I have had accounts with XXXX XXXX XXXX, XXXX XXXX and XXXX and I have always paid my bills on time for over a decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My original servicer was XXXX XXXX In XXXX of this year my servicer changed to Truist Bank. Truist has not had the correct balance of my mortgage. My mortgage balance with XXXX was lower by $ XXXX than it started with Truist. I have contacted Truist by phone several times over the past 5 weeks and I keep getting the run around. They will not get me a manager or anyone in charge, I get the customer service representative that states they have can not help and say someone will call me back. 
Truist Bank is not be a fiduciary of the money or trust I have given 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 non-monetary relief
Consumer complaint received 2022-04-22 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: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/22 RE : XXXXXXXX OPORTUNPROG,  XXXX we have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX from XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX from XXXX XXXX XXXX, 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 an 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 2022-04-22 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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. My report is showing I have a past due balance of {$1500.00} with Bull City Financial, account number is XXXX. I never done business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Fortiva was paid off XX/XX/2020. I set up a draft for biweekly payments of {$32.00} I never received any communication that there was a problem with the transactions and did not know anything was a problem until It ended up with collections. I tried to talk to fortiva and they said take it up with the debt collection write off company and that company could not verify my payments. This should be illegal. Credit card companies are doing this all the time. It is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had two small transactions that went through my account on & Truist gave me {$72.00} in fees. I called in XX/XX/22 at XXXX & spoke to a rude, uncaring rep named XXXX who was no help with the fees. He refused to get me a supervisor twice as I asked. Then, didnt give me a phone number to where the supervisor would call me back. This is a new business account for me. If this is the way Truist does business, Ill be laying this balance & closing my account asap. I have a credit union account & this is never an issue with them. I want to speak to a corporate office rep before I go on digital media to let others know how Truist treats its customers & to news media if needed. 
I even went in the branch today off XXXX XXXX with a rep. She was no help.

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 2022-04-22 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: NJ

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights.

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.

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 2022-04-22 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: TN

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  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, 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 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 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have been paying a very high interest loan that has used my vehicle as collateral. I have doubled up on the payments. However. I have been charged double interest on those payments instead of getting the 2nd payment applied to all principal. I called the store where I originally received the loan and they said they could not do it. They gave me customer care number and they only thing I can do is leave a number and I have called twice. This is a ridiculous about of interest and when I make a double payment the interest is higher then when I make only one payment. It is like their system is recognising the 2nd payment as a late payment for the payment already made. 
I have attached the XX/XX/XXXX statement but it only shows the payment on the first. I also made one on XX/XX/XXXX which I fear will be NOT be applied to principle only. I have also doubled up on payments in XX/XX/XXXX and XX/XX/XXXX and previous years. I want all the double payments applied to principle retroactively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit cards were used to make expensive purchases using my name and established credit. I have disputed these charges with my creditor to no avail. 
The amounts are approximately $ XXXX. 
I am being held responsible for repayment of the charges which is creating a great hardship on me and Im not sure why my creditor allowed the amounts to go undetected to the extreme over my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This debit is not owed by me due to filing errors and a change of insurance companies at my last job ( not my fault ). I have tried to correct this by mail but no response from the collector.

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc.
State: MD

Complaint narrative:
Bankruptcy in XXXX of XXXX. Debt collector did not start calling until XXXX. I have not received no paperwork about this debt. Abusive language was used and person did not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NJ

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights.

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.

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 2022-04-22 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: NJ

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights. 

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
my complaint is because of the following This transfer company named Remitly keeps my transfer every time and when I cancel it it keeps my funds for 15 or more days my money is not returned immediately and this happens to me often the last transfer with that problem is the number XXXX XXXX XXXX XXXX for an amount of XXXX Dlls. made on XX/XX/XXXX of this year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
This complaint relates to a deceptive email that I received on XX/XX/22 from Freedom Mortgage, the servicer for the mortgage loan secured by my house in XXXX, NC. The email falsely said that lender-placed insurance had been purchased for me, and encouraged me to contact XXXX, a private company to help me find a " suitable policy. '' But I do not have lender-placed insurance on my home. There was a lender-placed insurance policy placed on my home by mistake in XXXX, that was retroactively cancelled within a few days. I have proof of this mistake, and its correction, through both my insurance provider and a letter from Freedom Mortgage dated XX/XX/22. 

When I received the email described above today I called Freedom and was told again that I do not have lender-placed insurance and that I need not worry. 

My complaint is that this email from Freedom Mortgage improperly tells me that I am still on a lender-placed insurance policy, and that I should contact XXXX to find a " suitable insurance policy. '' Many consumers would then call XXXX, and even though they already have homeowners insurance -- as I do -- and purchase a second homeowners policy. This would lead to unnecessary expense, confusion about coverage, as well as a waste of time. 

The email described was deceptive and is harmful to homeowners. For your reference, below is a copy of the email I received : Re : 2nd Notice : Your Lender-Placed Insurance Coverage From : Freedom Mortgage Corporation XXXX Reminder : Your Lender-Placed Insurance has the minimum coverage Dear XXX, We want to remind you that youre on a Lender-Placed Insurance plan, which provides only the minimum amount of coverage that Freedom Mortgage Corporation requires and usually doesnt include personal property or liability protection. This could mean that your policy may not cover the full replacement cost of your home, your personal belongings or accidents that occur to anyone on your property. It is also more expensive than most standard homeowners policies. 

How we can help Freedom Mortgage Corporation has partnered with XXXX XXXX to assist our customers on Lender-Placed Insurance in finding a more suitable policy. With over 30+ A-rated insurance carriers in their network, XXXX team of specialized agents will work with you to find a policy that provides the right amount of coverage at a more affordable price. 

Call XXXX [ there is a button that connects one to XXXX ] Schedule A Call

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 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I dont see any negative accounts in my record but when I trying to apply for anything they denied because delinquent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX 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

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 2022-04-22 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: IL

Complaint narrative:
On XX/XX/21 I received a response from transunion stating that a bankruptcy on my report has been verified. If information that is being furnished MUST be verified and validated from the original source, not any other third party, How is it that Transunion can claim it is verified. Who has transunion spoken to to verifiy and validate this information at the US Bankruptcy court? I would like the name, contact information, and address of the persons contacted. Transunion is infringing on my privacy and defaming my character by furnishing this unverified and unvalidated information. This is not a dispute verifying its reporting but a dispute on the validation and verification of the item being reported. attached is the letter from the bankruptcy court stating they do no validate or verify ANY information with any 3rd party.

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