vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Was overlooking my credit card statement as I was having trouble paying down my balance and found that predatory card security fee that Synchrony Bank states I clicked on, knowingly that I didn't or would ever agree to that. They were charging me small subliminal " Card Security Fees ''. The operator at the phone number of XXXX told me I clicked on a free 90 day trial that in turn rolls over to a {$1.00} per XXXX $ balance charge on outstanding balance. I asked them how long I was paying for this as I had no idea what was being charged, they stated I was paying them it since XXXX. I continuously pay down my credit cards and never have paid interest and everything is up to date. I unknowingly was charged these monthly fees every month until todays date when I called and told them to refund the fees that I did not agree upon. Every month that there is an open balance, I was charged {$1.00} per {$100.00} outstanding for a service that was never disclosed to agreeance on. I would have clicked no for a fact as a credit card security fee is never necessary upon my stable above average credit score. 

The crazy part to me was that they were willing to refund me {$260.00} of the total {$430.00} that I paid into it. I told them no, this was not acceptable as I want a full refund. The person who I talked to then said they would forward to a resolution team with the same predatory fraud answer and hung up after I told them I want to speak with a supervisor. This call occurred on XX/XX/XXXX @ XXXX PST. 

Dates of charge are from XXXX - XX/XX/XXXX. This company is the scum of the earth and only refund a portion in hopes they keep 40 % and only offer 60 % back to the consumer who had no idea they were paying towards a unknown, not approved fee. Why else would they hold 40 % for themselves and not agree on the entire amount. They state their system shows I approved it. I want tangible proof recording that I did so. Not some automatic system that toggles, " well I show you enrolled ''. NOT TRUE. LIARS AND THIEVES.

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 2023-02-08 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: TX

Complaint narrative:
Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, The Secretary of State of Texas does not allow credit bureau collections without a license. Collection agencies, including credit bureaus, are required to obtain a license and surety bond from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to operate in Texas. 

After searching for a verified license via the Texas Secretary of State website and the Texas office of consumer credit website at www.occc.texas.gov, I have found that the consumer credit Trans Union is NOT licensed in the state of Texas to operate. 

It has also come to my attention that XXXX XXXX also does not have licenses as well, which means that they are illegally submitting information to collect an alleged debt. 

I have submitted a complaint with the state of Texas Secretary of State, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Finance Protection Bureau.

I am requesting that the following listed items be removed immediately. 

I appreciate you notifying me once they have been removed. 

I have never used this account, yet they are reporting to bureau. In XXXX, I received a notice that I have paid on time for three months? Then in XXXX, I receive a notice that I am 60 days past due? Clearly this illegally operating company is faulty and must be removed. ( See attached notice from XXXX ) How can one have three months on time in XXXX, and less than 30 days later have 60 days past due? ) Item to be deleted : 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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management summoned me a XXXX XXXX case no. : XXXX on XX/XX/2023 at my XXXX residence and they put me as one of my employees- XXXX XXXX XXXX XXXX They required to serve an Answer to Writ on Midland Credit Management , Inc within 20 days. Since I dont have any idea of what is happening, I dont feel comfortable to provide all her personal information to them. However, if I am failed to do so, XXXX XXXX will be the one to take care of the loan. This is absolutely ridiculous. I would like to officially file a complaint against them. Thank you so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
I booked my honeymoon at a villa/resort in XXXX in XX/XX/2022. I received a confirmation email form the resort, and I was told that I had to pay the resort through Wise.com, as my card was declined for the first charge. I did not notice that XXXX letter at the end of the email had been different and this was a phishing email. I proceeded to pay the phishing email through Wise.com on XXXX different occasions. This XXXX  was on XX/XX/2022 in the amount {$2700.00} for the booking. The XXXX was for a security deposit of {$1400.00} on XX/XX/2022. The XXXX was for monkeypox and covid testing for the amount of {$830.00} on XX/XX/2022. I found out that this was actually fraud when I landed in XXXX in later XXXX, went to the resort, and they explained that I had not yet paid. Luckily, I had the money, so I paid the resort and had a beautiful honeymoon. However, I was scammed and paid a total of {$5000.00} to a scammer in XXXX. I have email chains to prove what I went through, and I would be more than happy to forward these email chains on. When I tried to login in to Wise.com to report fraud, my account had been deactivated. When I tried to call to report the fraud, I was told that I would not be able to report the fraud unless I was able to provide my account number which I could not obtain due to my account be deactivated. When I submitted an appeal, Wise.com decided to keep my account closed. I recently reported the fraud to authorities at ReportFraud.ftc.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: FL

Complaint narrative:
Experian ph # XXXX XXXX XXXX Is reporting this fraud and identity theft on my report as a closed account please remove XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX charged me XXXX  months worth of rent for not breaking my lease but for not giving XXXX day notice. The debt is now been referred to a collection agency. 

Per Ga Law, The general rule in Georgia is that if a tenant abandons rental property, before the lease expires, the landlord is not required to mitigate damages by re-letting the apartment. The landlord can allow the abandoned unit to remain vacant and hold the tenant responsible for rent that comes due under the lease. This rule applies unless the landlord accepts the tenants surrender of the property or the tenant successfully terminates the lease by following the language of the early termination provision of the lease. The landlord does not accept the surrender merely be accepting the keys or by entering onto the property. However, if the landlord retakes possession of the unit and re-rents the unit or allows others to live in the unit, he can not hold the tenant responsible for rent owed under the lease. 

I did not break my lease and the apartment refuses to confirm when they reletted the unit which I am positive was within 60 dys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I contacted Bank of America today XXXX XXXX, XXXX regarding my interest rate to request a rate review and to ask why my rate has gone up from XXXX XXXX XXXX XXXX XXXX despite over 10 years of timely payments and excellent credit history. I was told my variable rate is tied to the prime and the fed had increased rates nearly 8 times since XXXX. They advertise XXXX XXXX starting rate for new consumers and I asked what criteria is used to determine if a new applicant gets the XXXX XXXX XXXX XXXX XXXX, I was told nobody could answer that question ( I was first told by customer service that they would transfer me to underwriting for an answer then they could not answer and finally a manager in underwriting told me nobody at the company could/would answer that question ). I was told the best they could do was lower it by 1 % based on some sort of offer they had right now. How can these companies continue to increase rates for consumers with excellent credit and credit history and not have to disclose how they are making these determinations?

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 2023-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is govern by USC1681 and they have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 because I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Their investigation did not fix an error on your report
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights. 

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights.

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that Equifax and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: OK

Complaint narrative:
After sending a removal of debt request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, I received a refusal to remove the debt from my credit report on all 3 bureaus on XXXX XXXX. The letter stated that I had not provided enough information related to my dispute. The 2 documents they sent me were a " move out statement '' dated XXXX. It has a list of charges adding up to the balance of {$5700.00}, and an address with the zip code of XXXX ( a postal code in XXXX, XXXX ). The other document is an Apartment Lease Contract. This document has all electronic signatures and an address with the zip code of XXXX. Both of documents are in consistent, fabricated, fraudulent, and I want this debt removed from my credit report on by XXXX and Equifax. XXXX has honored the dispute of this debt, and removed it already. But I have been turned down by 6 apartments in the last 2 years due to this fraudulent debt. I need it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, and 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

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 2023-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Some XXXX  is using my personal info to try to set up credit cards in my name. Have also had fraudulent tax returs filed under my name. With 3 credit card applications in the last few weeks trying to be opened... I was asked to provide my data on this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In according to the Fair Credit Reporting Act XXXX act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account XXXX has also. 

XXXXXXXX XXXX account number XXXX has also violated my rghts XXXX XXXX XXXX XXXXXXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.

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