vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: DE

Complaint narrative:
There is a {$34.00} charge on my XXXX account that I never charged. 

The charge was for a XXXX parcel pickup that I never requested. When I asked where the alleged parcel was going, XXXX was not able to provide information. Just stating that it was for a parcel pickup. 

I made multiple attempts from XXXX of XXXX  to XXXX of XXXX  to resolve this. I have spent at least XXXX hours trying to resolve a {$34.00} unknown charge from XXXX. 

Now it is sent by Synter Resource Group , LLC . With the file number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I received a CFPB Complaint on XX/XX/2023 from TRANSUNION where XXXX was deleted. I looked at my report ; they never deleted it and are still reporting on my Credit report. Transunion has caused XXXX  XXXX in me. I did not Authorize nor consent to report this account. Per the Fair Credit Reporting Act, everything has to be 100 % accurate on my report, and Under 15 U.S Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. I also put my report in the upload where it is reporting when it should have been deleted.

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 2023-11-13 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:
INQUIRY REMOVAL LETTER YOUR NAME : XXXX XXXX XXXX YOU ADDRESS : XXXX XXXX XXXX XXXX XXXX  NY XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Credit Reporting Agency ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, ( Credit Reporting Agency ) to produce a contract between you and I consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you I My contact information is as follows : YOUR NAME : XXXX XXXX XXXX YOUR ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved INSPIRING

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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: UT

Complaint narrative:
A company called XXXX XXXX XXXX has been calling me since XXXX of XXXX and making suggestions that they will take me to court over a debit from Discover Card. I have never had a discover card, nor has anyone in my family. An account from Discover has never appeared on my credit report since I began monitoring it regularly in XXXX. They have also called my wife, my daughter and my mother saying they are sending someone to my house to 'serve legal documents '. I checked with my county and there is no legal case open against me in either XXXX  or civil court, which explains why nobody has come to my house. This company is engaging in harrassment of myself, family members, and making misleading statements suggesting they are a law firm when they clearly are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX, one letter was sent to Midland Credit Management ( MCM ) in XXXX, MI to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/XXXX and signed for by a XXXX XXXX. I have received a response from MCM dated XXXX XX/XX/XXXX as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). Even though I received this information, there wasn't any information that would verify debt. The information received are working documents. There is no wet signature document to verify that I have applied or owned that debt. They are reporting the debt as continuously late up through XX/XX/XXXX ; however, their own documents show that the debt was charged-off in XXXX. How can a debt be late if the account was charged off, which means it was closed? They are reporting as if I opened the account with them. Even the information reported between the three bureaus changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Im an international student in the XXXX. My parents were wire transferring me my tuition to Bank of America account on XXXX. It takes XXXX days for the transaction, but during the transaction, the Bank of America close my account for some reason only they know. I got an email telling me my wire transfer is received, so I tried to pay my tuition with my bank account. At first, I was able to submit my payment, but days later, the XXXX department XXXX XXXX XXXX told me the money was returned to my account for some reason. And since they closed my account, they kept my money on hold till now.

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 2023-11-13 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank who owns my Amazon Prime Card account has been reducing my credit limit arbitrarily causing my credit score to go down and recently caused a reporting to my credit report that I was over the limit after they applied the high interest to my account. This is not the first time this has happened to me with the credit card. A purchase with Amazon was declined because Synchrony Bank reduced my credit limit from {$1700.00} to {$1000.00} that was my current balance at the time. I pay my bill on-time and it has been setup on autopay. I have no record of late payments on 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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Issue : on or around the week of XXXX I tried several days trying to get into my own personal account to view my data in theworknumber.com. the worknumber.com is sub-company of equifax. However, No one could reset my account in order to allow me to view my personal information. I tried working with customer support for at least 2 days, The woknumber representatives, tried making me repeat the same steps over and over in different web browsers, clearing my cache, etc. with no luck. Then, they said that the issue is within my company, the XXXX XXXX XXXX part of the department of Agriculture ( USDA XXXX ). However, I explained to them that I had already contacted my Human resources department of NFC-USDA and the issue is definitely at the worknumber.com since NFC-USDA doesn't handled the resetting or the accessing of my account within theworknumber.com. At the end, I told them that my goal is to be able to access my personnal data and not a printed report. at that time, I submitted a complaint over the phone with theworknumber.com since there is no one at either Equifax or the worknumber.com that can reset my user-id. Now on XXXX, after waiting for more than 30 days decided to file the complain with CFPB since I have not hear any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX transaction XXXX Payment reversed to XXXX XXXX Paypal {$260.00} Paypal is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Payment history is not up to date. Last payment reported was 3 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I requested today by phone a payment history report for the life of my loan they stated ( bankruptcy department ) from shellpoint that due to my bankruptcy they are unable to give me any of this information?? I asked them to send it to my attorney they said they were not allowed this information as well NO ONE is allowed this information they told me. They told me my lawyer can call their lawyer and they will tell them the same thing no access to this information is allowed! I contacted my attorney in an email of this situation as well how can they deny me this information as well as my attorney? I feel this is required of them and if it is required why did they deny it and I feel if it it is required than they should be held accountable for their actions I have had nothing but aggravation faculae information and more from this company I am mad frustrated and stressed on how they conduct business I would like for you to address this being I am unable to speak to anyone at shellpoint in regards to this matter thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One hired XXXX XXXX XXXX to repossess my vehicle. Capital One violated me by now providing a letter or rescission which is a violation of 15 USC 1635a. 15 USC 1605 was also violated because the insurance was never included into the finance charge, I was made to obtain insurance before I left the car dealership. Once I provided my social security number and signed the application Capital One was supposed to provide a check to me for the total amount of the consumer credit transaction ( according to the definition of a purchase money loan in 16 CFR 433.1 ). I provided the security and it was supposed to be accepted with the debt in exchange for the good or service according to the National Banking Act 1863

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Family support Bureau Code : Individual Account Status : Open Monthly Payment : {$500.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : 1 High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX My date of last activity and my date of last payment haven't matched up in 3 months. 

My XXXX payment history went from a collection to XXXX  months of late payments up to XXXX  days. 

This account has been reaged.

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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ratchford Law Group, P.C.
State: MA

Complaint narrative:
Ratchford law group P.C. is harassing me for a debt I do not owe. Under my rights through The Fair Debt Collection Practices Act 15 usc section 1692c, I have sent them a " cease and desist '' letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  ( Original Creditor : XXXX XXXX ) TransUnion and XXXX Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/2023 - XX/XX/2023 Balance : {$800.00} High Credit : {$800.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 - XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 - XX/XX/2023

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In XXXX a request for validation was sent to nelnet. I have no contact with this lender and they have been unable to validate an agreement. Secondly, a bill was sent to my consumer residence in which a response was sent via certified mail in within a 15 day period. Without proof of obligation, an attempt to discharge debt with negotiable instrument has been was denied for the month of XXXX A second payment was sent for XXXX. A response is awaiting but the attached letter was received thereafter. The denial for an acceptable payment is a violation of 31 CFR 328.5.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I have asked credit acceptance, XXXX XXXX and XXXX multiple times to remove my nonpublic personal auto account from the third parties ( XXXX, XXXX and XXXX ) because they didnt give me the option to opt out of their opt out disclosures and they refused. 

I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. 

The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. 


Credit acceptance, XXXX XXXX  and XXXX has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, credit acceptance corporation, XXXX and XXXX knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. 

My account should be removed 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have previously filed a complaint about a different matter, and found the outcome to be satisfactory, and hope to have this issue resolved similarly with the same due diligence as before. 

I have the following information reported that includes Returned Transactions : Routing Number : XXXX Account Number : XXXX Additionally, I have an account that I do not own that includes an incorrect DOB that includes the following : Furnisher : XXXXXXXX XXXX Routing Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation