vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed in a dispute over 30 days ago and I have not received any investigation results or correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Skopos Financial, LLC
State: MD

Complaint narrative:
Purchased a vehicle and had it financed to include Gap insurance. The car was totaled in an accident XX/XX/2018 and paid off by my auto insurance. Recently, I found that the finance company was showing a balance of $ XXXX on my credit report. Skopos Financial sold that supposed debt to a XXXXXXXX XXXX XXXX. I have spoken with the claims agent at the insurance company that reports ; '' XXXX XXXX '' is a feature provided by the finance company not the insurance company. In this week I have called SKOPOS a number of times both their corporate number XXXX to receive no answer and their customer service number XXXX to only be disconnected after i entered my ssn. 
When I purchased the Gap insurance - I was led to believe that if anything happened with that vehicle this will fill in the Gap. I have noticed online there are a number of open lawsuits against this company and I hope they are not for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: LEXISNEXIS
State: AL

Complaint narrative:
I contacted XXXX, Lexis Nexis, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

Lexis Nexis sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I contacted XXXX, XXXX XXXX, Sagestream LLC., via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
Sagestream has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NY

Complaint narrative:
XXXX XXXX has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a credit card for a XXXX XXXX I opened about XXXX years ago ( XX/XX/2020 ). My last name was misspelled and, for some reason I dont recall, it couldnt be fixed at that time. I just let it be because I still could use the card normally and I didn't think it'd be an issue. 

Fast forward to this summer, I'm in the middle of the process to get into my current job and I noticed that on my background check report it appears my misspelled last name on the " other names '' section. So when I went to a different location and asked if they could help me to correct my name there. They said yes and I put in the information they asked for- thinking it was to find my account to modify it. At the end they told me the system wouldnt allow it so I should call. I honestly dismissed it because I dont use that card that often and, again, didn't think it would cause a problem because my current legal name has always be the same. 

However, I recently was checking the activity in my report and I saw I had a new inquiry by XXXX XXXX XXXX declined on XX/XX/XXXX. Apparently the way the cashier helped me was submitting an application for a new card without my consent, not fixing my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was a fraudulent {$300.00} XXXX payment from my account which I described to Chase this afternoon, and the agent asked several questions but said the reversal was not guaranteed. I explained it was a fraudulent scam but the agent said again not guaranteed even when I said this money I can not afford to lose and gave the explanation that even XXXX company said the recipient of money was a fraudulent party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an open case # XXXX. As of today XX/XX/22 they have not corrected the un justice that they have committed by notification to the credit bureaus that this mortgage was paid in full. They need tp report it to the credit bureaus Please. 
Thank you, XXXX Bless, & XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NORTHWEST BANCSHARES INC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Northwest Savings Bank ; Account 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX ( Account Name-XXXX XXXX XXXX ) ( Account NameXXXX XXXX XXXX  XXXX XXXX ( Account Name-XXXX XXXX XXXX XXXXXXXX ) ( Account Name-XXXX  XXXX ) ( Account Name-XXXX XXXX  XXXX XXXX ( Account Name- XXXX XXXX XXXX XXXX  XXXX ) ( Account name-XXXX XXXX XXXX XXXX ) ( Account nameXXXX XXXX XXXX  XXXX ) has violated my rights. 

15 U.S.C 1681 SECTTION 602 A States I have the rights 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. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to access the funds in my capital one account. I have had to call 6 times. They keep freezing my account. Their customer service support can not help and my funds are locked in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I engaged with a landlord to rent an apartment, and sent over deposit amount for the property, and would receive consistent messages that would cite increasing the deposit amount and speed of payment, over the matter of 2 weeks, I had sent {$5300.00} to this landlord but did not receive any move-information, updates on the property, or anything. The payments were sent through XXXX and XXXX XXXX to various emails. I decided to contact the local police department and filed a report, then sent a complaint to the XXXX XXXX XXXX XXXX, and contacted my bank, Capital one about these fraud latent charges, I havent received any updates from Capital one on these charges and being refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
I went to refinance my home. I told my loan XXXX about a judgment that I had made arrangements on. He said it had to be paid so, they paid it. I called today to see if I could get every document contained in this collection file. XXXX XXXX said, the only thing I could get was a statement that it had been paid in full. I asked her why and she couldn't give me an answer. XXXX, XXXX, and XXXX out of XXXX, Tn. is the law office that I refer to. how is it that they get to keep your information after you have concluded your business? I find this to be highly suspicious. I don't want them to have anything of mine. I don't want them to have even my social security number. How can a company collect on a debt that has been charged off anyway? companies come in and pay pennies on a dollar for debt and then charge interest on it. This in itself is a crock. I'm expressing nothing but contempt for this whole process. I'm going to figure this out and when I do it going to be XXXX to pay. I didn't know the American citizenry was being taken advantage of like this. No wonder she is in the trouble she is in. This is sheer criminal.I want ALL my documents since I'VE PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2022 BANK OF AMERICA IS HOLDING MY SOCIAL SECURITY CHECK DUE TO INSUFFICATION FUNDS THEY SAY I OWE THEM XXXX. SO I HAVE NOT RECEIVED MY SOCIAL SECURITY CHECK. I HAVE CALLED BANK OF AMERICA SERLE TIMES AND THEY KEEP SAYING THERE WORKING ON IT. TODAY XXXX XXXX I GOT A PHONE FROM THE BANK OF AMERICA THE BRANCH AND SHE HAD A DEBT COLLECTOR ON THE OTHER LINE SAYING THAT I CAN MAKE MINIMUM PAYMENTS TO FIX THE DEBT THAT THEY THINK I OWE THEM. THE STORY IS I ORDER CASHIER 'S CHECK ON XXXX XXXX FOR XXXX CASHIER CHECKS. BANK OF AMERICA IS SAYING THE CASHIER 'S CHECK DIDNOT CLEAR TILL A WEEK LATER, AND BANK AMERICAN IS SAYING THEY HAD A ELICH IN THE SYSTEM SO MY BANK ACCOUNT IS OVERDRAWN, AND NOW IM IN THE NEGATIVE DUE TO THEIR WRONGDOING, WHICH IM PAYING FOR. I CANT PAY MY BILLS IM LATE ON ALL MY BILLS

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 monetary relief
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to process my dispute for a XXXX XXXX XXXX trade line on my credit report in an ethical manner. Federal Credit Reporting Act Sections 609, 611 and 623 allows consumers to receive information to validate a debt and to dispute inaccurate information reported on a credit report. The furnisher of the credit information regarding this trade line from XXXX XXXX  reported the wrong information including last payment made, balance etc. I provided documentation including payment confirmation and paid that the account is at a XXXX balance. Experian has continually violated my rights under the FCRA as shown in my above affirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I was notified by XXXX XXXX that my XXXX XXXX ( provided by TransUnion ) had decreased. This was surprising to me because I am unaware of any account changes, delinquent payments, etc., that would impact my XXXX XXXX. Upon logging into to my XXXX account to view my XXXX XXXX, it showed a drop of XXXX points from XXXX to XXXX. 

Today, XX/XX/2022, I attempted to contact TransUnion to identify the source of the credit score change. After speaking with three different representatives, they were unable to explain or identify any reason for this change, and they recommended I contact the CFPB for further information. 

How can this company significantly change my credit score, impacting my creditworthiness, without having any identifiable reason to do so?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX of 2022. I visited XXXX XXXX for a fitness training consultation. I asked for more details about the training classes they offered when I visited. It was explained to me by the gym staff that I was only going to get charged a one time payment of {$29.00} for the Month of XXXX. I provided them with my Macy 's American Express card for this one time payment of {$29.00}. In the month of XX/XX/2022, I visited the gym twice, and I didn't go back since. Fast forward to XX/XX/2022, I noticed in my credit card statements that the one time payment I agreed to was a reoccurring payment of {$29.00} plus an additional {$360.00} that I never authorized. In total I was being charged monthly {$380.00} from XXXX to XXXX. Thats a total of {$2700.00} that I did not authorize. Once I realized these statements, I immediately went to the gym to figure out why I was getting charged and close the account. I called Macy 's to file a billing dispute and explained the situation about me not authorizing those payments. They mailed me their decision which stated the investigation was closed due to them not finding evidence. I appealed it twice, and I got the same response from Macy 's again. They only investigated the case for four days. I did not authorize those monthly payments of {$380.00} and I need Macys American Express to investigate this deeper for me and prove that I did not agree to those charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I called the debt collector Capio Partners to find out why they reported a collection account on my credit. I was advised that the debt belonged to XXXX XXXX as a patient and the debt is from XXXX. This is not my debt and they have not sent any written notice to advise of the situation, but reported the debt as of XXXX XXXX XXXX I advised the debt collector and they hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Trying to get the late and negative things off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is my third complaint concerning SPS! Through your assistance they have been very helpful, but it appears that all of the paperwork they have sent me which included a reduction in my mortgage payoff and a XXXX release of the 2nd mortgage has been completely ignored by their attorneys. The attorneys for SPS have stated the payoff amount of $ XXXX is the one their clients recommended and if it needs to be changed to contact their bankruptcy division because of the XXXX XXXX. A representative from Title Team contacted the bankruptcy division today ( XXXX ) and was informed that the payoff will not be changed unless my bankruptcy attorney submitted paperwork from the court stating the changes which were approved through their customer advocate were approved through the court! The attorneys for SPS are unwilling to help or even take action on the paperwork submitted. This has been ongoing since XXXX and the individual purchasing my home is growing very impatient. I ask that SPS provide an accurate payoff to their attorneys so that I can finally sell the home!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NY

Complaint narrative:
I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is XXXX, Credit Bureau Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency XX/XX/2019 i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about blue collar crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities

Company response to consumer: Closed with explanation