vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: GA

Complaint narrative:
Transunion Credit Bureau keeps reporting erroneous Public Record on my file. I have disputed this incorrect information and sent Transunion via certified mail the court letter informing that they have not provided Transunion with any public record. I question the validity and who is the provider of this erroneous information and have requested that such record be deleted from my file. They have not replied since XX/XX/2021. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 Contacted transunion again today and again they declined to provide information on who is the provider of public record. I informed XXXX that the court does not provide information to transunion and I have provided them with court letter. Transunion declined to inform who is the furnisher/ provider of the public recording they are showing on my credit report so I can question and contact 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 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/22 I called Capital One and complained that I did not receive a new card when my old card expired on XX/XX/22. The representative cancelled the old card and issued a new replacement card with a new number. She did not tell me the reason I was not sent a new card on my old account was because Capital One raised the interest rate from XXXX to XXXX. When I noticed the unauthorized increase in the interest rate I called Capital One and complained about the unauthorized increase in my interest rate. I told the representative to close my quicksilver account and return my interest rate to 19.99 %. She placed me on hold to speak to a supervisor, but the supervisor never answered the call. I want my Capital One Quick Silver account closed and the interest rated returned to my old rate of 19.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under 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 2022-06-03 00:00:00
Product: Vehicle loan or lease — Lease
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: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
As I stated before, I was told something different. Before I started the process of agreeing to make those payments, removal was discussed. He said it would be taken care of after payments are made. That's why I agreed to make those payments. After I made my last payment something totally different came about. Now, it's we don't do removal and report accurately. Nobody cares what was said before I agreed to make those payments. I agreed to those payments under false pretenses. Again, that's what I was promised, Removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Synovus Bank
State: GA

Complaint narrative:
I have waited on hold for three hours trying to initiate a wire transfer to my brokerage account in which the bank had me on on hold for three hours in which I missed my deadline to send important funds to my brokerage which will cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
I have never received any documentation from the company or from the collection company letting me know they were attempting to collect a debt. 

My first contact with the collection company was on XX/XX/XXXX when I seen they attempted to collect a debt from XXXXXXXX XXXX XXXX  XXXX Has never made an attempt to contact me nor has sunrise 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 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of XXXX we charged 4 Round trip Tickets ( XXXX XXXX XXXX  ) on our Capitol One credit card for a trip in XXXX of XXXX to XXXX XXXX. Because of XXXX, in XX/XX/XXXX XXXX XXXX air cancelled our trip. We requested that XXXX XXXX air reimburse us for our tickets. We have been dealing with our reimbursement for approximately two years. During this time we have been asking Capitol One to assist us, they have been zero help. This morning XXXX XXXX air notified us that they reimbursed the credit card on XX/XX/XXXX for our 4 RT tickets. The amount of {$3600.00} has never been credited to our Capitol One credit card. We have continued to pay interest and the minimum payment. Today we requested Capitol One provide us a letter stating that they never received the reimbursement from XXXX XXXX XXXX They absolutely refused to assist us in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've have several things on my credit report that's not mine. Help me get them off

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 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services contacted me by text message at XXXX EST in regards to a collection account from XXXX XXXX XXXX This is absolutely unacceptable. Especially as I suffer from severe XXXX, I had managed to fall asleep and the incoming message woke me up which caused me to be awake the rest of the night. A screenshot of the message is attached showing the time the message was received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Back in XXXX of XXXX, I received a letter from Freedom Morgage that my escrow check had not been cashed in 180 days. I called the company and asked them to have the check re-issued to my current address in XXXX as the house I owned in XXXX was sold in XXXX and I was no longer at the address. The representative tried to initially tell me that I need to update my information online but since paying off my mortgage, I have not had online access to freedom mortgage account. 

I then called in XXXX and asked that the check that was issued in XXXX, be canceled and re-issued to my new XXXX  address. There staff assured me it would be canceled and re-issued within 7 - 10 business days and I expressed I needed the funds for the closing a new house. 

I called Freedom Mortgage after 7 - 10 days and the rep said it was still in progress and needed to wait another few days. Then I call the last week of XXXX, and the representative tells me that the check that was mailed in XXXX was mailed to XXXX address, which was a lie as I never received any direct mail, only forwarded mail. I then asked the representative to cancel and re-issue the check and that I would call daily to check the status. This is where it gets interesting in their lack of documentation and overall care for consumer data. 

I called Tuesday, XX/XX/XXXX, and spoke to XXXX, employee ID XXXX who said that he doesn't see a check was re-issued, then said he did see that was in the process of being re-issued and going to be sent to the XXXX address. Then I receive a call from XXXX, employee ID XXXX, who says that the check was sent to the XXXX address, and that the newly re-issued check would also be sent to the XXXX address. Then I call XX/XX/XXXX and XXXX, employee ID XXXX who tells me the checks were mailed to the XXXX address oringally and that all the information I received up until that point was inaccurate. 

At this point I'm at a loss on how to get my escrow funds that are owed to me so I can assist in purchasing another home. The amount of pain and suffering I've endured is ridicouls for any one borrower to endure especially with all the things that are going on in the world today.

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 2022-06-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a Closed/ Charged off account that has awful payment history that was deemed as fraud. XXXX XXXX XXXX XXXX  XXXX XXXX have been made aware of this as has the 3rd party company that bought the debt. This card was opened fraudulently and I have no knowledge of this account. The account is finally showing closed, but it still hurts my payment history and shows as a negative account on my history. I am re asking for this to be investigated properly and fully removed from my 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 explanation
Consumer complaint received 2022-06-03 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, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 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 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-03 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: FL

Complaint narrative:
There are three collections accounts on my credit report from one hospital visit during XXXX. The hospital billed the wrong insurance company. By the time I found out, they had reported it to collections. THe hospital refusing to bill the correct insurance which was XXXX XXXX XXXX, I had to beg to get an actual superbill from three different places for one ER visit - one from the ER, one from the XXXX, and a XXXXXXXX XXXX. 
XXXX XXXX is taking care of this or has taken care of it, finally. XXXX and XXXX have already removed this from my report, Equifax is refusing to remove it. I have tried multiple times to send them a letter from the debt collector, XXXX, who actually put it on my report to start with. I have attached the letter from XXXX, in it they are requesting the items be removed from my report. I have been trying to get this resolved for months, probably more like a year. I have spent my entire afternoon off of work trying to get this resolved and have been on hold and on the phone with equifax for XXXX hours. I have been put on hold three times and then put thru the queue again. Their system is very cumbersome to actually speak to a person. It takes at least XXXX min to get thru the prompts to actually get an agent. They are in violation of the FCRA because the information on my report they are reporting is completely inaccurate. They maintain they have 30 days to investigate, there is nothing to investigate, I have the proof right here. XXXX also sent them notification on XX/XX/XXXX to remove the items. They still have not complied. I am not sure what else there is to do but get an attorney and sue them. I am already needing to refinance my car purchased a few months ago because of this. I am tired of begging and pleading with them, and I am tired of being nice. I am a XXXX XXXX XXXX and I see XXXX XXXX XXXX XXXX all day long. I don't have time to be spending XXXX hours on the phone with equifax for nonsense. There are already not enough XXXX XXXX XXXX  to go around and this is completely uncalled for. The way I have been treated here is the same way criminals are treated when they are just out of prison. 
Please see attached fax, which i have tried faxing a number of times and uploading to the equifax website to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: AZ

Complaint narrative:
I've have several things on my credit report that's not mine. Help me get them off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've have several things on my credit report that's not mine. Help me get them off

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 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a card holder of American Express for over 20 years. Over the years I have accumulated almost one million travel points with American Express. 

I recently tried to log into my American Express account to view and redeem points for travel but I was locked out of the account. I called American Express customer service and was told that because I hadn't used the card lately the credit card had been canceled by American Express and all travel points that I earned were revoked. 

I was also told an email was sent to me suggesting I use the card but not such email was received by me. I scanned my email account to make sure I didn't overlook the email but no such email was received in my main or spam folders. 

I requested American Express send me proof that I was notified and a copy of their policy that would allow them to take these points away but the American Express representative I spoke to ( XXXX XXXX ) was rude and informed me they would not send the requested items to me without a Subpoena. 

I hoping I can recoup the points I earned with American Express over the years without expending legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: OH

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  loan # XXXX has violated my rights. 
Hard Inquiries by : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I used my capital one credit card at a gas station in XXXX. The gas station is a full service station, I handed my credit card to the attendant. He told me it was declined. I then used my XXXX XXXX debit card to pay for {$23.00} USD. Later that day, my Capital One credit card was charged {$3100.00} ( XXXX pesos ) or {$150.00} ( USD ). The card was ran without my permission and signed by someone with a different name and signature. It was fraudulently used and signed. Capital one will not reimburse me or change the charge on my account despite many attempts and hours of phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

XXXX5 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 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account 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 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account 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 2022-06-03 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 response to consumer: Closed with explanation