vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ONLINE INFORMATION SERVICE account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is the original message that was sent with first complaint. Then the complaint was closed with company providing not correct information and not replying to my complaint. 

" I have made a purchase but after 3.5 weeks, this purchase was returned. Before making a payment, I waited until the refund was posted and by the time refund posted, credit card company posted a late fee and interest charge. I have contacted them and explained what happened, they have removed the late fee and said they will remove the interest charge but they never did. The interest charge was {$21.00}. After contacting them again, they told me they refunded the interest charge but it was only {$0.00}. I told them the amount was incorrect, however I was told they refunded full amount of interest charge. It takes them 3-5 business days to reply, and by the time I was dealing with this issue, they charged me additional {$18.00} interest charge because I did not pay my bill in full. I tried contacting them, with no help. They told me they will keep adding additional interest until I pay my account in full. I owed nothing on my account except that {$21.00} interest charge and now it's up to {$40.00}. They will not work with me to resolve this issue. '' Here 's the response from the company : " The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, we'll assess a late fee to the account. In addition, we'll assess a finance charge or minimum interest charge any time the full balance in the regular revolving credit plan is not paid by the payment due date. On XX/XX/2022, we applied a courtesy late fee credit of {$30.00} along with the associated finance charge of {$0.00}. '' My feedback to that response. 
I have stated that you have refunded the late fee, and I am grateful for that, however when you said you refunded the finance charge, it was only {$0.00} and not {$21.00}. If you would have refunded the correct amount, I wouldn't be here, and while we were trying to resolve this, you have charged me additional {$18.00} interest, because I did not pay the initial interest charge. You knew we are trying to resolve this, why would you purposefully charge me additional interested on top of the previous interest? 
I also closed my account over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX obtained a debt from XXXX XXXX  that was fraudulent and since been removed from my latest report, But the collections account that is appearing on my report is due to the fraud that occured with XXXX XXXX  and it shouldnt appear on my report Account details XXXX XXXX XXXX XXXX {$610.00} Open balance 12 XXXX XXXX  Original creditor Opened XX/XX/2021 ( 9 mos )

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 2022-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-05-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a notice that my Sears Mastercard would expire XX/XX/XXXX so I stopped using it before that date. On XX/XX/XXXX I received a test message asking if a charge on the card ( now expired ) was mine. I checked no.. A strange number called me claiming to be the fraud dept. I did not speak with them. I got my card out of my wallet and called the number on the back. They said they would remove the charges. Later I checked and there were more on my account. I tried online to mark them as fraud but their system wasn't working and said to call so I did. When I checked again the charges were still there so I emailed them on their secure email in my online account. I then got a letter in the mail saying the charges were all mine. THEY WERE NOT! I corresponded again thru the secure online. And AGAIN EACH MONTH AT LEAST ONCE A MONTH SINCE THEN. Now the letter says I have to detail what are not my charges but all of the history has been removed from my account. I can not see what is left and what was removed. I have requested this info thru the secure email with no response. They say they will send me new cards. I STILL HAVE NOT RECEIVED THEM! And the funny thing is, the LAST TIME my card expired this VERY SAME series of events happened. I want a detailed listing of XXXX and XX/XX/XXXX invoices and I want a list of items removed. I want interest and items still in dispute removed ... ..wish I could SEE what they are online. And I want my new cards. ( And with a different number - Last time, they sent the SAME number with a new expiration on a compromised acccount. They tried to say the cards were stolen. They were not either time. I have them ALL. Do they do this scam to everyone? This is the second time for me. Sears Mastercard XXXX XXXX XXXX XXXX XXXX XXXX REFER TO PREVIOUS UNRESOLVED COMPLAINT XXXX. I have started contacting this company on XX/XX/XXXX when I contacted the fraud department about charges made after the card expired XX/XX/XXXX!!!! I contact them monthly and finally got a response today off YOUR website in the form of attachments. All the company did was send you this. Nothing was done about the fraudulent charges nor interest. I am getting ready to make my final payment and the amount is WRONG! They did this same thing to me in XXXX- see my compliant from then too which was finally fixed. Same deal - expired credit card and fighting for months.

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 2022-05-18 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:
In accordance with the Fair Credit Reporting act 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 2022-05-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at XXXX ( XXXX ID # XXXX ) and ( XXXX ID # XXXX ) at XXXX, we very adamant and told me the deletion were not happening even after reading them my rights.

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AA Recovery Solutions, Inc.
State: MI

Complaint narrative:
Called my employer looking for me and was speaking in a threatening manor and even harassed my employer about my whereabouts. Then continued to call me and I would answer and they would threaten me not give any detail about the alleged debt or contract breach that never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I closed on my home on XX/XX/22 with Navy Federal. I brought up multiple concerns I had with closing costs greatly varying from my final loan estimate that I received before closing and at closing via email, phone, and in-person. Navy Federal refused to acknowledge or correct my concerns. On XX/XX/22, I received a letter giving a post closing lender credit of {$1500.00} due to the errors I had noticed before closing, while this lender credit does help to close the gap between loan estimate and closing disclosure, it doesn't resolve all of the issues. 

The following costs changed from my final loan estimate received on XX/XX/22 to my closing disclosure received XX/XX/22 : My capital contribution for my XXXX and XXXX XXXX XXXX by {$1500.00}, this is what I assume the XX/XX/22 letter was regarding. 
An additional fee of {$150.00} was added " Title - Document Prep '' this fee was not on my loan estimate and since I chose to use Navy Federal Title it is not allowed from being added between loan estimate and closing disclosure. {$150.00} discrepancy My " Title - Lenders Coverage Prem '' increased from {$1900.00} at loan estimate to {$1900.00} at closing disclosure, which is not allowed since I utilized Navy Federal Title. {$18.00} discrepancy My transfer taxes increased from {$4800.00} at loan estimate to {$7100.00} at closing disclosure. This is not allowed to occur since Navy Federal had already reviewed my purchase contract before receiving the final loan estimate. {$2200.00} discrepancy This is a total discrepancy between loan estimate and closing disclosure of {$2400.00} when accounting for the {$1500.00} post closing lender credit already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
3rd Attempt : Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy. Their rep told me of a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. WRG 's rep stated " Oh, I know what happened '' but did not tell me what happened. After my prior complaint, the XXXX reporting was removed ; but, WRG then reported to XXXX. The same documentation provided prior is included here. WRG, I would like for you to stop reporting this account to the consumer bureaus IMMEDIATELY, per your agreement; or I will take legal action against you for violations of the FCRA and DCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
The company has filed a collection with credit bureaus for an unknown service that is not mine. I have tried several times to call them, have disputed the collections with collection agencies and have send certified mail to get the invoice that is in question and to resolve the issue with out any response. They do no respond to their phone number that was listed on the credit report nor have they responded to the registered letter I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
MY RIGHTS UNDER THE FDCPA AND FCRA HAVE BEEN VIOLATED. 

TRANSWORLD SYSTEMS HAS VIOLATED ALL CEASE AND DESISTS. 

I HAVE REQUESTED SEVERAL DEBT VALIDATIONS AS WELL AS A SIGNED CONTRACT WITH TTRANSWORLD TO COLLECT ON MY RIGHTS UNDER THE FDCPA AND RIGHTS HAVE BEEN VIOLATED. 

TRANSWORLD USED FRAUD AND DECEPTION TO PURSUE AND OBTAIN DEFAULT COLLECTIONS. 

ON XX/XX/2022, TRANSWORLD NOTIFIED ME THAT THEY WERE CLOSING THE ACCOUNT. 

ON XX/XX/2022, SEIZED AN INCOME TAX PAYMENT ILLEGALLY WHICH CAUSED A SEVERE HARDSHIP. I HAVE NO CONTRACT WITH TRANSWORLD SYSTEMS.

TRANSWORLD SYSTEMS HAS ALSO IGNORED THIS ALLEGED DEBT. TO DATE TRANSWORLD HAS NOT PROVIDED ANY DOCUMENTATION BECAUSE THEY CAN NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Received three emails from Wells Fargo on XX/XX/2022 regarding a new checking account that they say I opened with them. I immediately called them and told them I did not open an account and they said they would shut it down and that there were not any transactions on the account. Since XX/XX/2022 I have received additional E-mails from Wells Fargo about different services with my checking account and a reminder that if i do not deposit funds they will close the account. I stopped by a local branch and they say they do not see I have an account. Tried calling their fraud department to see why I am still receiving E-mails from them. Waited on hold for over an hour before hanging up. I am concerned they opened an account for me that I did not request and concerned they have not taken the steps to turn off e-mails regarding this account they say was closed.

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