vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: DISCOVER BANK
State: CA

Complaint narrative:
This is my complaint about DISCOVER BANK. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: VA

Complaint narrative:
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 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, 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.

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 non-monetary relief
Consumer complaint received 2023-08-17 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: VA

Complaint narrative:
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 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, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have received 2 notifications for a shortage in my escrow account. I asked the company how much the shortage was, and sent in the shortage amount stated. They then raised my payment amount anyway. 2 months later, I received another statement stating my escrow account was short again, and that they were going to again raise the payment to accommodate the shortage. I called to inquire why the 2nd shortage came up only 2 months after the original notice for the escrow shortage. I was told that they had to do 2 different evaluations on my home due to a new California directive. I again asked how much it would take to pay the shortage so my payment would stay at the original amount I had financed. They again told me that it would go up to cover any future shortages. I then filed a complaint through HUD and the loan company finally said my payment would go back to the original payment, but not until XXXX XXXX, 2023. I investigated the reasoning for the shortage and found out that it was due to an increase in my homeowners insurance. I switched insurance and had the payment lowered quite significantly, and told the lender I wanted to see the difference on my new payment amount. 

Since then, I have received another 2 notices now saying that when I switched to the new homeowners insurance there was a lapse of 1 day from the old policy to the new policy. I told them that the existing canceled at XXXX am on XX/XX/2023, and the new insurance started at XXXX am on XX/XX/2023 which meant that there was no lapse in the coverage. However, they insist that this is not true and that they were going to charge me the 1 day difference, and put it into a new payment including interest, late fees, taxes, etc. unless I paid the difference. That is why I'm filing this complaint as I am really upset with all these unbelievable charges they are trying to put on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Description of concern : Opened a new credit card account with capital one XX/XX/XXXX. 
Over time, I established good credit history and received random credit limit increases and added my children as authorized users to benefit. 

In XXXX, I began having financial difficulties and set up a payment plan with capital one. I removed my children as authorized users so their credit wouldnt be negatively affected. 
In XX/XX/XXXX, I reported XXXX XXXX XXXXXXXX XXXX that my social security number was compromised. 
XX/XX/XXXX, I saw that one of my children was still listed as an authorized user so I removed her again from the capital one account. 
XX/XX/XXXX, I accessed the capital one app to pay my bill but couldnt because it said my account was closed. I immediately called capital for clarification. I spoke with XXXX who stated my account was closed and that he could not provide me any more information on my Capital one checking account or Capital one credit account. 
Called back later in the evening and spoke with a female manager who provided me mailing information on how to file a complaint regarding my account. She advised me to file my complaint with Credit Bureau Dispute Department with Capital one at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
One week after speaking with the female manager, I received a letter in the mail dated XXXX, stating that my identity fraud investigation is now closed and they found the account to be fraudulent and I was not held responsible. 
I contacted XXXX XXXX XXXX XXXX and provided them with my concerns and all the information I received from Capital one. They informed me that would contact capital one regarding the fraudulent report and seek resolution. 
XXXX XXXX XXXX XXXX provided me a restoration case number # XXXX. 

As of XX/XX/XXXX, XXXX was not able to resolve my concerns with capital one. 

On XXXX @ XXXX XXXX Account Manager Fraudulent department. He stated he could not provide me any information. I have to mail or fax a request to capital one before information will be released to me. No fax number was provided. 

XXXX @ XXXX spoke with XXXX XXXX He stated he couldnt see fax number listed but placed me on hold to obtain additional information. Call disconnected during hold. 

At this point, I want the following Resolutions : -I want Capital one to validate my account as not being fraudulent. 
-I want Capital one to Remove any and all adversity/adverse flags from my name and account that prohibited/interfered with the 3 credit bureaus from the fraudulent reporting.

-I want Capital one to Restore my credit history and reports with the 3 credit bureaus. 
-I want Capital one to Restore my account with capital one. 
-I want Capital one to Credit my account for months my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
This is in regard to Ability Recovery Services phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from XXXX before they take it off my credit but I spoke to cascade and they gave me the documentation that is needed as it was settled in full by my insurance company and that ability recovery services has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed two disputes first on XX/XX/2023 for {$200.00} and second dispute was on XXXX was told that it may take up to XXXX to hear a response and that the merchant has XXXX to respond however it is now XX/XX/2023 and I have had no update and Im being to that the merchant has until infinity to respond in addition I was told no credit has been issued even though the merchants have not responded to confirm nor deny the legitimacy of the disputes because i have more than eight disputes as a customer to the bank that has many issues I want to be fairly treated Ive never been explained nor told there is a limit on legitimate disputes and I basically cant file a dispute even if Ive been a victim of theft or fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 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: GA

Complaint narrative:
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.

The letters are stated with items and issues.

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 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 2023-08-17 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: TX

Complaint narrative:
I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX  XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from 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 2023-08-17 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: TX

Complaint narrative:
I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
This company that Ive never ever heard of called Radius Global is constantly and repeatedly calling me at all hours of the day and night as early as XXXX and as late as pass XXXX harassing me Ive never done any type of business or work for this company the calls are ridiculous its 5 at a time back to back for the last few days I WANT IT TO STOP

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 2023-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2023 we applied for a HELOAN at Regions Bank for the amount of XXXX dollars. The address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. We finished the paperwork and turned it in on XX/XX/2023 because their computer wouldn't take our information because it froze up. The person doing our application ( XXXX XXXX ) called the very next day at XXXX and said we were denied after they asked us what our race was the day before. Because their computer froze up we had to do it by paperwork. About one week later that was dated on the XXXX we received a welcome letter from regions Bank saying we would get the loan. We gave them all the paperwork they asked for and we have good credit. They still decided to decline us. Without any reason. We went back and asked for and explanation and put in a complaint. We didn't hear anything back. We called again and asked what the status of our complaint was and they told us over the phone with no further explanation that we were denied because we had a bad risk grade. We understand that their bad risk grade. We have very good credit.

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 2023-08-17 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: NV

Complaint narrative:
Ive been a victim of identity theft. This is not my 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 2023-08-17 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: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I reached out to creditor on my report to resolve case, credit claims they have no information with my name nor any amounts I have never done business with this agency please assist with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: GA

Complaint narrative:
This unknown account was opened without my consent. I have filed FTC and sent numerous mails but it still shows on my credit report Bank : XXXX XXXX XXXX. 
Account # XXXX Opened on XX/XX/2020 XXXX {$44.00}

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 2023-08-17 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: U.S. BANCORP
State: CA

Complaint narrative:
I have literally for XXXX years been dealing with US Bank regarding a charge with XXXX. They sent me XXXX TVs, back in XXXX of 2021. I contacted XXXX letting them know about it, and they told me just to keep the TV. Then I realized I was charged for it. I contacted XXXX about the charge and they said we will make not of it, just let you credit card company know US Bank, that you'll be disputing the charge. Apparently the associate gave me the wrong information and should have told me to send it back. Which is irrelevant. I actually still have the extra TV that I only took out the box for space, that is still in the plastic and has never been used. US Bank sends me a letter saying they can't help me when I've been getting the run-around from them and XXXX for XXXX years and I spend thousands of dollars at XXXX. Next we have this horrific fraudulent rental car company called XXXX XXXX XXXX that has illegally charged at least XXXX of my credit cards {$270.00} when I have prepaid for the rentals. This is literally fraud and they know it and should be criminally charged. Because they did so without my authorization, saying it was just for a hold when I've prepaid all of the rentals. US Bank, just denied to handle the dispute while my credit card continues to be reported late, assessed late fees and more. I am so sick of these companies behaving like loan sharks. And here 's the kicker, every time I speak to anyone, whether it is US Bank, or XXXX XXXX XXXX, I've recorded the call or transaction EVERY, SINGLE, TIME. So the evidence and proof that I have is indisputable. The worst part is that I am someone with a XXXX XXXX XXXX XXXX and it takes so much to have to go back and forth and deal with these people. But, guess what? Now I'm taking my power back and reporting all of these companies that are behaving like it's the wild wild west. And that's the very reason I record everything, so you can't sit there and lie. And now, I will be taking each and every XXXX of them to court if need be. I have an XXXX, I've worked for the XXXX XXXX XXXX and the XXXX. And I'm about to work for the XXXX as a federal agent. So if they think that they can simply take my money, and allow fraudulent charges to remain without doing a proper investigation. I will sue you and see you in court. The can all join the XXXX XXXX  XXXX XXXX XXXX. I'm over it.

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 2023-08-17 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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