vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX. In XXXX I had a repair shop " XXXX XXXX XXXX, XXXX rebuild the engine on my XXXX XXXX XXXX XXXX truck, but they did not properly repair the vehicle. They only replaced XXXX lifter instead of all lifters, did not repair the valves and replaced a crankshaft. Also, I have replaced the camshaft sensor three times since the repair. I paid for the repair with my XXXX XXXX XXXX XXXX XXXX card. I requested the credit union do a chargeback against the repair shop or hold them responsible to properly repair my truck, but XXXX refused. 
2. My Sam 's club card/Capital One was used by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days. She continued to use my card many times after my discharge. I approached her about it, and she promised to make good on the unauthorized purchases but never did, I filed a police report with the XXXX Florida police department. My identification was lost/stolen and as a result there were some attempts to open accounts by unknown person ( XXXX ). I am a XXXX XXXX, and she has committed XXXX  abuse. Capital One has refuse to go after her to rectify this situation. 
3. If you review my credit history, my credit score has not been below XXXX for more than 35 years. In addition, you will see that I have always paid on time or before time with all of my legitimate accounts including my mortgage. I have also paid off another mortgage XXXX years ago. XXXX has baselessly reduced my credit limit to a mere {$100.00} and refuses to restore my credit limit t to its original level. This is an unfair practice, and no one needs a {$100.00} credit limit it is virtually useless. 
XXXX XXXX XXXX XXXXXXXX has reduced my combined credit limit by {$23000.00} and it continues to get reduced with every payment. This is again a baseless and unfair practice. By reducing my credit limit with each payment, my credit utilization rate increases and with XXXX XXXX XXXXXXXX and XXXX the utilization rate is now remaining above 90 % when is has always remained under 50 %. This is again evidence of unfair credit practices and needs to be stopped. 
XXXX. Whenever a well reputed debtor has been consistent in paying their debts on time and before time, then isolated incidences of dispute appear on the radar, this is a red flag that something is desperately wrong with a transaction, the creditor treatment, be it interests, reduced limits, pending disputes, or some other issue. This does not mean that a debtor is having financial woes, under duress or strained financially. It may mean as it does in my case that I refuse to pay for transactions that I did not create, and I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX. I notified PNC BANK of a unauthorized transaction that occurred on XX/XX/XXXX for the amount {$450.00}. The total amount disputed was {$690.00}. 
I assumed my dispute would resolve accordingly and would be refunded my {$450.00}. 
On XX/XX/XXXX, I received a investigation completion notice, Stating " As noted in our Consumer Electronic Funds Transfer Disclosure Statement, we must receive your notification no later than 60 days after we sent the first statement on which the unauthorized transaction ( XXXX ) appeared. We've investigated your claim and determined you didn't notify us in a timely manner. 
You'll be held liable for the disputed transaction ( XXXX ) that occurred later than the timeframe referenced above. 
The provisional ( temporary ) credit in the amount of XXXX, as well as any related fee refunds previously credited to your account, will be reversed on XX/XX/XXXX. '' On XX/XX/XXXX, I revisited my PNC bank dispute and noticed and error has occurred. My reoccurring phone bill of {$27.00} dating back to XX/XX/XXXX would interfere with my dispute of {$450.00}. 
I have contacted PNC to rectify the issue but PNC ( XXXX - XXXX Retail support department ) state there is nothing she can do. My dispute is pass the 60 timeframe and I can not undo Disputes. I explained that I am being held liable for an unauthorized transaction and I did notify PNC of the issue back in XX/XX/XXXX. 
I will have to escalate my dispute to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
XXXX ( XXXX XXXX ) sold my mortgage to ROUNDPOINT Mortgage. 
XXXX XXXX ( homeowners insurance sold out to XXXX. 
I pay my insurance through Escrow so had no idea that Roundpoint paid my insurance to XXXX XXXX. I never missed a payment or was late. I received notice that my insurance was cancelled for nonpayment by XXXX. I spent the day finding new coverage from a local agency. Roundpoint, after dozens of phone calls, acknowledged that I had new coverage. 

They purchased a policy after my new policy for XXXX to cover for XXXX months they claimed I was uninsured. There was a XXXXne week lapse in coverage end of XX/XX/year>. In XXXX they finally gave me one half of what was charged, approximately XXXX for their error, although they admitted I only owed around {$70.00} for the one week. 

Now I receive another letter stating they have purchased me another policy ( keep in mind I'm fully covered and still have excrow coming out every month ) for over XXXX. 

I feel that my interest rate is too low and they want to rid of me through negligence and harassment. I've spent countless hours on the phone, emailing and literally begging for professionalism. I have spoken to so many, some who have admitted what is happening is wrong and unjustified. Their calls are supposed to be recorded so there should be a record of all conversations.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 
The items I am disputing are as follows : XXXX Account Name : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION Account Name XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXXXXXX XXXX XXXX XXXX laws cited above, I request that these items be **immediately removed** and **permanently blocked** from my credit profile. Please conduct a thorough reinvestigation of these items and update my credit report accordingly. I also request that you promptly notify the furnishers of the information that these items have been modified, deleted, and blocked from my file. 

Please send me written confirmation that these items have been removed, blocked, and corrected, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 
The items I am disputing are as follows : EQUIFAX Account Name : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXXXXXX Based on the laws cited above, I request that these items be **immediately removed** and **permanently blocked** from my credit profile. Please conduct a thorough reinvestigation of these items and update my credit report accordingly. I also request that you promptly notify the furnishers of the information that these items have been modified, deleted, and blocked from my file. 

Please send me written confirmation that these items have been removed, blocked, and corrected, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I disputed XXXX XXXX an auto repossessed from my XXXX  credit report and was deleted on XX/XX/2024 from my XXXX  report for reporting inaccurate inconsistent information on my XXXX  report.ive disputed with transunion and XXXX and they are not doing an investigation and keep reporting this inaccurate inconsistent account. the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.XXXX XXXX is reporting inconsistent information and are repeatedly updateing a charge off and that manipulates the statue of limitations.XXXX XXXX acount # XXXX is violating my federally protected rights to privacy and confidentiality.delete immediately from my XXXX and transunion reports.and pay me {$1000.00} per violation.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I disputed XXXX XXXX  an auto repossessed from my XXXX  credit report and was deleted on XX/XX/year> from my XXXX  report for reporting inaccurate inconsistent information on my XXXX  report.ive disputed with XXXX  and equifax and they are not doing an investigation and keep reporting this inaccurate inconsistent account. the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.XXXX XXXX is reporting inconsistent information and are repeatedly updateing a charge off and that manipulates the statue of limitations.XXXX XXXX acount # XXXX is violating my federally protected rights to privacy and confidentiality.delete immediately from my equifax and XXXX reports.and pay me {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: VA

Complaint narrative:
I received a call from a customer service rep with Five Lakes Law Group ( FLLG ) who was assigned my debt by XXXX XXXX XXXX ( XXXX  ), on XXXX XXXX, XXXX  regarding a proposed settlement. representative from FLLG stated that in order to settle with the debtor ( XXXX ), I would need to add an additional {$160.00} every XXXX weeks to my existing and agreed upon payment of {$480.00}. I explained to the representative that as of today 's date, I had made deposits in the amount of {$7300.00}. Out of that total amount, the company has paid settlement fees to themselves in the amount of {$5700.00} ( 80 % of deposits made to date ) ; {$530.00} ( 7 % of deposits made ) were paid to debtors per resolution agreements, and the balance of {$200.00} ( 3 % of deposits made ) were paid for service fees. The representative from FLLG stated that they paid themselves after an agreement was reached while there were funds in the account. I explained that I felt the amount the paid to themselves versus the amount actually paid towards debtors was unreasonable and I did not agree to modification of terms. Representative stated that she would not be able to negotiate with debtor ( XXXX ) at this time unless and additional {$3000.00} was provided to by account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish information that is accurate and complete. I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment as mandated by the FCRA. This omission means the late payment entry may not meet the accuracy and completeness requirements. 

I have already attempted to resolve this matter directly with the creditor/lender, but the incorrect entry remains. Therefore, I request that you investigate this dispute and correct or remove the inaccurate late payment entry from my credit report. 

Late payment XXXX XXXX XX/XX/2021 Please provide written confirmation of your receipt of this dispute and notify me of the outcome of your investigation. I kindly request the CFPB 's assistance in investigating this matter and ensuring that the erroneous late payment is removed from my credit report.

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 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On or about XX/XX/XXXX I bought {$16000.00} worth of money orders and mailed them to my divorce for her legal services. I bought the money orders from Western Union from the local grocery store. 
On XX/XX/, I mailed the money orders ( via XXXX ) to my attorney ( for legal services ) who lived in Illinois and I lived in Georgia. The package never arrived. I inquired XXXX about stolen/lost money orders. 
XXXX store information is as follows : The XXXX Store # XXXX XXXX, GA XXXXXXXX XXXX approved my claim for lost/stolen money orders then stopped talking to me and would not respond to my repeated phone calls. 

I then went to Western Union and requested copies of all money orders I had purchased from them. I paid Western Union for the " Research Request '' but soon thereafter Western Union responded that I had not followed their instructions on how to request a money order research request and soon stopped corresponding with me as well! Please help me get my money back! thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation