vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I have lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for this year and never received a letter to my home address. 

I went back to the old address in XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and checked to see if the debt notification mail was sent there and it was not. I received mail dating back to XX/XX/2022 but none from Fair and O collections.

With those being my only two address I do not think Fair and O Collections did their due diligence in notifying me of the debt or showed me any proof that it was legitimate before reporting me to the bureaus. 

With that said, I think that is unfair and against The Fair Debt Collection Practices Act. I would like them to show proof ( mail receipt and proof of delivery ) that they tried to contact me and provide me proper notice of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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:
I did not authorize nor give consent to the following inquires being furnished on my consumer reports

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 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-30 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: GA

Complaint narrative:
Spoke to XXXX at Equifax. this is not my account, XXXX XXXX XXXXXXXX XXXX ( CLOSED ) Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a fraud on my account for {$10000.00} in 3 different checks, 1 for {$8000.00}, 2 for {$1200.00} 3 for {$840.00}. I did the report to the bank Wells Fargo, but they said the claim it was made to late ( over late 6 months ). I did the report as soon I notice the discrepancy. I was doing reconciliation for my annual tax report. I have an extension for that reason it was late because I have an external account helping with that.

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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
After having difficulties with FirstHorizon bank buying my current credit card company, I opened a new account and transfered the balance. All of the balance wasn't transferred and FirstHorizon sent the statement to an address I haven't live in in almost 10 years, evidently when they migrated the data there was an issue, so I never knew there was still a balance or a payment due, now XXXX days late, credit score dropped XXXX points and still struggling to actually get a payment made. 

I WAS NEVER NOTIFIED THERE WAS A BALANCE OR PAYMENT DUE, AS I WOULD HAVE HAPPILY MADE THE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
on my statement closing date of XX/XX/XXXX I received an interest charge because the promotional offer expired. I had a promotional offer of 0 % interest on a XXXX purchase if paid in 1 year in full. I was not able to pay off the entire balance but paid on the principle of said loan for the entire year and my balance was {$2400.00} on XX/XX/XXXX. I received a whopping charge of {$940.00} in interest fees. While I did agree to said terms it was my understanding that I would be charge the XXXX of 26.99 % ( XXXX Rate at time of expiration of promotion ) of what I owed. 

My Balance was XXXX at 26.99 % interest that would be XXXX. Which I am fine with. I do not agree with these inflated fees. I feel it's extremely predatory. I contacted the customer service line XX/XX/XXXX and the only thing they offered was to waive the fees if I paid in full by the XXXX of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

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. 

XXXXXXXX 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 XXXXXXXX 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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 2022-11-30 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 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. 

XXXXXXXX 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 XXXXXXXX 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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 2022-11-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have been improperly billed {$7900.00} by PHH, our reverse mortgage company, on XX/XX/XXXX for XXXX XXXX issued on XX/XX/XXXX for apparently not having insurance coverage.. 

We have maintained Wind and Property Insurance consistently since we took out our reverse mortgage. Additionally, PHH has been listed as the mortgage holder on all our accounts. If at any time there was a question about our coverage, PHH could have called our insurance providers and get the correct information at any time. 

What appears to be at issue is our policy with XXXX XXXX and whether we were covered from XX/XX/XXXX to XX/XX/XXXX. We have documents that show we had paid XXXX {$1.00}, XXXX on XX/XX/XXXX for coverage trough XX/XX/XXXX. After we got the notification that XXXX was in receivership, we immediately got a policy with XXXX XXXX with coverage from XX/XX/XXXX through XX/XX/XXXX. 

We have spoken several times to PHH customer service and after XXXX weeks we learned that because PHH mistakenly thought we werent covered from XX/XX/XXXX through XX/XX/XXXX, a Wind Policy was taken out on XX/XX/XXXX for {$7900.00}. We never have been given a copy of that insurance. Oddly enough, the insurance was taken out AFTER the XX/XX/XXXX deadline. 

Our XXXX Monthly Statement from PHH indicates that {$3600.00} was placed in our account to Reduce Loan Balance rather than in our equity balance. They dciid not repay the additional {$4200.00} that was taken from our equity balance. 

We sent a certified letter to PHH on XX/XX/XXXX with all of the documentation and a request for a full refund of the {$7900.00} they have taken. This is a blatant disregard for our financial welfare. It is this type of capricious handling of a clients resources that gives reverse mortgage companies such a bad name. 

We have heard noting from PHH on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I keep getting letters and phone calls from insurance companies trying to sell me home owners insurance

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 2022-11-30 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: GA

Complaint narrative:
I keep getting letters and phone calls from insurance companies trying to sell me home owners insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I keep getting letters and phone calls from insurance companies trying to sell me home owners insurance

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I wrote Experian a certified mailed letter to remove inaccurate information from my report. They responded and said that they did. However, they only fixed some of it. I still have several misspellings and variations of my name listed. I supplied them with documentation including my social security card and drivers license ( current ) to verify my information. 

Upon calling them, the support rep refused to change the incorrect names listed on my account, saying that they were just " variations '' of my name. Both XXXX  and XXXX promptly removed these false names and nicknames. Experian however, is outright refusing to do it, even though I requested it formally in writing. 

They are violating my rights under the fair credit reporting act and are refusing to work with me.

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 2022-11-30 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: NJ

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TX

Complaint narrative:
I believe that I have been a victim of identity theft. Please removed the accounts in the attached dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/2022 I got a statement from Comenity National Bank for account # XXXX, a rewards credit card for XXXX 's XXXX. I immediately notified them by phone that this was a fraudulent account, and after hours of being transferred, I got through to the investigations department who assured me that they were closing the account and I wasn't responsible for the charges. I reported the identity theft to the police, I have a police report. I notified the XXXX credit agencies and froze my credit. At the time, my credit score was XXXX. At the time I also got inquiries from XXXX Bank and XXXX, who also manage store credit cards, but XXXX contact to each of those ended the new inquiries. Comenity sent me a form for me to fill out in wiriting, and attach a copy of the police report, which all was completed in XXXX, Meanwhile, the thief continued to charge purchases at XXXX XXXX and attempted at least XXXX more stores managed by Comenity. My credit score is currently down to XXXX. Comenity is still calling me about the " past due charges '' on the XXXX XXXX XXXX account and when I called the fraud department this week, they told me the investigation had been closed and it had been decided that I owed the charges. I was never notified in writing that the investigation had been closed. I doubt I'll be able to undo the damage to my credit score but short of spending hundreds of dollars on a lawyer I hope there is a way to make the bank do what they're supposed to do. Comenity manages credit cards for over XXXX retail companies and they are clearly having issues managing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This enrty below was submitted thru your portal and the sent to Experian, I called them and they said they never recieved it. We both Know this a stall tactic or lie. I expect you to hold the accountable for violating my rights and now have the information removed since they did not comply with my reqest. 

XXXX XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. 

I am resending a new request but want this file deleted for non complincy with in the 30 day period

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 2022-11-30 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: IN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief