vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a past due notice in the amount of {$1600.00} from XXXX XXXX XXXX University for past due charges on my student account. I paid these charges directly to the university, the original creditor, on XX/XX/XXXX. After I had paid the debt, I received a collections notice from Coast Professional Inc. ( XXXX XXXX XXXX XXXX, NY XXXX ) for the account in collections. Coast Professional ceased any further collection on the debt but has refused to remove the collection account from my credit report. They had no involvement in the transactional process with the original creditor nor at any time prior to the debt being paid did I have any communication with their agency. Their posting of this collection to my credit report is fraudulent and they have refused to delete the account despite multiple disputes directly with the agency and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: MRS BPO, LLC
State: TX

Complaint narrative:
I do not know where this came from company is MRS BPO The account should not be furnished on my consumer report as they are in violation! Under 15 U.S Code 1681b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of consumer to who it relates. I NEVET gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am asking the deletion of this account immediately. Thank you so much

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2023 I was notified by XXXX XXXX that my credit score had changed. When I logged in to view it I noticed it had dropped 60+ points. Confused I started to look at why it had dropped and noticed I had 1 derogatory mark on my XXXX and 2 on my XXXX. Looking at those they are 2 separate collection companies, Transworld Systems and XXXX XXXX, looking for debt payment. The original debt owner is XXXX XXXX... I have never had an account with XXXX XXXX. One amount is for {$540.00} and the other amount is for {$360.00}. I called XXXX to ask how this happened and was told they had 3 total accounts under my social security number but not all with my name and all 3 were in cities I have never lived in. I have filed a police report ( # XXXX ) and XXXX has started a fraud investigation. I also put a freeze on my XXXX, XXXX, and XXXX accounts. 

As a result of this my husband, XXXX XXXX, checked his credit report and has 7 reported debt collections from Transworld Systems, XXXX XXXX, and XXXX XXXX  with the original debt owner being XXXX XXXX. The amounts on his credit report are : {$500.00}, {$570.00}, {$600.00}, {$910.00}, {$150.00}, {$700.00}, and {$370.00}. I called the police and they said we can use the same police report ( XXXX  XXXX ) since our issues are with the same company. After that I called XXXX to see how many actual accounts they had under his social security number and they told me they had 60 accounts all in cities he has never lived in. They have started their fraud investigation and told me I should go to the FTC to file a report which sent me here. We have also put freezes on his XXXX, XXXX, and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of anxiety.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2023, I tried to reopen my account with Chase bank which had been closed, for no reason and for having my documents expired, when I opened the accounts again, the banker who attended me made the calls to the department in charge to verify that I did not have any type of problem, which the agent authorized the reopening of my account, after more than 1 hour of waiting and scheduling Open the account. 

The banker in charge called the department in charge again and it was notified that an opening of my account could not be made, leaving everything that the banker and the sales executive did could not be done, understanding that there is clearly an attack on my person since my rights as a citizen of being able to open an account where I have never had any problem with that institution are not fulfilled and I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Apple closed my account for regulatory reasons and will not disclose what those reasons are. 

Ive never had a late payment or received any notice from them. The Apple Card is issued by Goldman Sachs. 

Id like to know specifically what the reason was. This closure will affect my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I tried to apply for a credit card with TD, it went through but it was saying see SM for 2 weeks straight. I went in to see what was wrong and they said it was just a glitch in the bank with my account. I reapplied but then they said they are closing both accounts and didn't disclose the reasons as to why and they have not made a good faith effort for recompensation due to their negligence. I applied for this card on XX/XX/XXXX and I reported the problems to TD on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im frustrated to learn that This credit bureau Does not repect or follow the Laws of FCRA. I feel that I have been Grossly discriminated against and also, 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 XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX BANKRUPTCY : # XXXXXXXX XXXX XXXXXXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were either updated or verified for 100 percent accuracy. However I asked them how? when the opening date on each account is wrong. I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did.

Additionally, according to 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. Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected because 15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights.

Lastly.according to 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so. These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected. 

I DEMAND THAT AL OF THESE ACCOUNTS BE DELETED IMMEDIATELY!!

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 2023-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
On or about XXXX of 2018, I opened an account for a auto insurance policy. 

1. Records will show that I paid the full amount for the down-payment.

2. Thereafter, a number of the consecutive monthly were successfully submitted via a auto-payment from my bank.

3. The monthly payments at that time were approximately {$210.00} per month, during the initial term. 

4. When the insurance policy renewed at the end of the first term, it was increased, without my written consent, to more than {$1000.00} per month. 

5. There isn't any document which can be produced by the company that will show that I approved this egregious increase.

6. I have disputed this fraudulent claim for many years now, to no avail.

7. I ask that CFPB provide me with some assistance to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Loan Payments : XX/XX/2023, {$1000.00} Principal Only not applied as requested, the interest of {$130.00} shows as reversed. Yet they seem to apply more daily compound interest for the next several days. 

XX/XX/2023, {$10000.00} Principal Only not applied as requested, the interest of {$17.00} was captured when requested to be reversed it has not been applied to date and again daily compounded interest is being captured by the bank. 

I have spoken to the Bank on several occasions and they have not corrected the interest charged for these payments every attempt I have made has not worked so I informed them I would be filing a complaint and seeking a reward of the interest and possibly more based on their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, JPMCB whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank closed my account and I did not receive any communication regarding this action. I have been a customer for years and have several accounts with them and according to a representative they have a right to close an account at their discretion. I never received a notice and their explanation was it was sent. They closed an account with a XXXX balance however my other accounts remain open. I have never been late nor have I missed a payment. I think it is unfair to extend credit and then without notice determine that you are no longer creditworthy and it affects your current credit score. This practice is detrimental to a consumer.

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 2023-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On the day I was paid, XX/XX/2023, I tried to log in to my account to transfer my rent money, and I was not able to log in due to my account being locked. I called in and tried to get some type of understanding, and the associates were rude and hung up on my face every time I called. I have never experienced this type of customer service from an institution like this before. They told me my account was being investigated and they had no other information. I lost my purse and my account was stolen and I disputed the charges, I have never used the account for anything else. They put my account in the negative after the matter was already resolved months ago. When I called today before the woman hung up in my face, she was saying my account was in the process of being closed and all of my money is currently in this account. They have put my account in the negative to {$1700.00} and over {$3500.00} was deposited into the account from my check. My account was in good standing with {$750.00} in it before this happened on XX/XX/XXXX. I received no notice about any of this besides them sending me an email saying that my telephone banking pin was changed and I have not changed anything, then they sent me an email stating they suspected suspicious activity on my account on XX/XX/XXXX, which doesnt make sense because my account has been locked havent even been able to log in.

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 2023-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).

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 2023-06-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am custodian on 2 CDs that grandma purchased in the XXXX for XXXX grandkids. 

The CDs were purchased at CoreStates PA bank. They were setup for automatic renewal and no action was required on our part. They were placed in a safe deposit box at a bank to be redeemed when the kids reached maturity and the funds were needed. We have not moved our residence since that time and have received any notification from the bank regarding these CDs. 

We would like you to help us to redeem these CDs since the issuing entity, CoreStates PA, is unreachable. The initial CD amounts are {$5000.00}, and {$1000.00}. 

We have the original CDs and will send copies on request. 

Thank you, XXXX XXXX Custodian

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 2023-06-01 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: IL

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 XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 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 explanation