vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: AZ

Complaint narrative:
In accordance with the FCRA account # XXXX, XXXX, Opened XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IL

Complaint narrative:
EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX XXXX  LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately. And don't act like you don't no my information because you have all you need.

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 2022-10-11 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX reporting as inquiries on my report. In accordance with the Fair Credit Reporting Act, A. XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I bought Refrigerator through XXXX XXXX   store & 3month finance through American First Finance XXXX101 days to pay off {$1400.00}. There was {$50.00} fee for application that was separate from amount to be financed. So three payments of {$240.00} to be paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This would leave {$710.00} to be paid in full by XX/XX/XXXX, as XX/XX/XXXX fInance charges would be added. Additional payment of {$500.00} was paid on XX/XX/2022, and the remaining amount of {$210.00} ( this makes it paid in full ) paid on XXXX XXXX. Here it is XXXX & they American First Finance is attempting to take another {$240.00} and I had to put stop payment on it. I am out not only {$35.00}, but American First Finance made a 2nd attempt to take money that they were not entitled to & I have another {$35.00} fee to pay my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have requested on multiple occasions that they cease communications both calls and by mail, however they still send me weekly emails and letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I reported a frudent charge I didn't recognize to XXXX XXXX  Credit card for {$100.00}. The representative for this company told me not to pay on it until it is investigated. It's been a few months and now I have accrued {$78.00} in fees that I'm now told by another representative I must pay if I don't want to continue to pay more fees or interest while it is being investigated. I read on consumer ftc.gov that a fraudulent charge that is being investigated should not be charged additional interest. It's also been over 60 days I believe now since it happened and there's no resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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: MA

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. 

Account name : 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian refuses to remove a collection account from my credit file, despite being provided with the response to CFPB complaint XXXX which clearly states the collection agency had CEASED ALL COLLECTION EFFORTS on or around XXXX XX/XX/2022. This is a clearly a willful violation of FCRA.

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 2022-10-11 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 asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX as inquiries on my report. In accordance with the Fair Credit Reporting Act, XXXX. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2022 I was approved for a personal loan in the amount of {$20000.00} with XXXX credit XXXX called and spoke to XXXX to request a higher limit. He had to speak to his supervisor, who then told me that they would have to withdraw the loan and I would have to reapply. I had two concerns and asked them if that would put another hard inquiry on my credit report,, they said they could not answer that. The second concern was what the worst case scenario would be if I didn't get approved for a higher amount. They said it would go back to the original amount of {$20000.00} I took their guidance and re-applied. It was then denied. I called again to let them know what was going on. They could not reverse what was done. They are now sending me an adverse action letter, even though I was approved. This will now hinder my credit score as well. I was lied to and misled. I also lost out on a {$20000.00} banking relationship due to lies and negligence.

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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I made a request to my loan servicer, MOHELA, on or around XX/XX/XXXX for a refund of all loan payments made since XX/XX/XXXX under the CARES Act. MOHELA was not able to give me the number or amounts of transactions, or a timeline for the refund to be processed. As of XX/XX/XXXX, no changes have been made to my account balance nor has any refund been received. No communication regarding my refund status has been received. A call made to MOHELA on XX/XX/XXXX to request an update on my refund request was refused by MOHELA 's automated answering system. No means of contacting a service representative is otherwise provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MO

Complaint narrative:
I mailed a payment of {$8600.00} by certified mail with tracking, I tracked the payment and it was received on XX/XX/2022 at XXXX pm. Discover claims they never received the payment. I have called Discover several times, I tried to send the complaint on their website ( discover.com/billingerrornotice ). Once I clicked submit, it said there was an error and my information could not be processed. I wrote a hand written letter because my computer is down, I will mail it tomorrow with a copy of the check stub and certified mail receipt. 
I also went to my credit union to see if the check had been cashed and it had not. I asked if they would stop payment and reissue the check or make the payment electronically. They told me they would not because of the amount of the check. They wouldn't for 90 day. Now Discover has added derogatory information on my credit report. I am very stressed out and frustrated about this situation. I have tried everything I know to do, but no one is listening. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 JPMCB made an inquiry for a XXXX XXXX Bank Credit Card on my account. 

I do not recognize the above referenced inquiry. Please remove from my report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT CAPITAL ONE AND XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT CAPITAL ONE MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM CAPITAL ONE OR XXXX AND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO CAPITAL ONE WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM CAPITAL ONE XXXX AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
XXXX XXXX/Freedom debt relief. 
My husband and I, signed up with this company to negotiate with creditors for XXXX accounts. We canceled this because we found out, our money being deposited to XXXX XXXX  ( our dedicated account ) every month, directly from our bank, only took money for their fees, and only XXXX small accounts, were negotiated and paid!!!! 
We have documents that can prove all this and our 3 credit bureau files. We are yet again, victims of fraud and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I filed a fraud claim with Bank of America. I initially contacted them prior to formally filing the claim and was told to contact the consumer directly in order to resolve the issue much faster as the large amount would make it difficult - I followed Bank of Americas guidance and direction, and the Merchant did not resolve my issue and would never provide any information. Bank of America denied my claim due to their belief that given the time frame from the filing that I should have seen the amount gone from my account- which is correct, but they missed the context. The formal filing was only delayed because they told me to contact the merchant first, so yes, I did not have a fraud claim filed already. They denied my claim and after my explanation they re-opened the claim and took my police report. I have been waiting for a temporary credit at least and have not received that. 

They will not issue a credit since the claim was initially denied. Which seems very odd considering it shouldnt have been rejected based off their reason for denial. They wont respond to any inquiries. They police department and merchant said Bank of America has not contacted them. Nothing is being done.

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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One restricted my personal bank account without notifying me about it. When I called I was unable to get anyone, there was an answering service that told me to leave a message with my name, account number, and phone number and they would called if needed in 48 hours. When this didn't happen I called back and had to make a selection on the automated system for something that had nothing to do with my issue in order to speak to someone. When I finally spoke to someone I was told that the account would be closed. I wasn't given a reason verbally or in writing about the incident and had to make a request for it. I was told that a request would be put in. When asked how I would received funds that were still in the account I was not given a straightforward answer. The customer service representative stated that they would allow me to access my funds to take the money out. When I found that this couldn't happen, I called backed and was told that I would receive a check and that the bank would bounce all deposits back. However, the bank still took a deposit after I was told the account was closed, and didn't give me an answer on how I would receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX will not allow mortgage lenders access to my credit report. i have applied for different mortgages and the mortgage lenders can not access my equifax credit report. a small loan lender was able to do it with no problem. i do not know what is going on. i tried calling and they tell me that i have to send in a copy of my driver 's license etc to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
On XX/XX/2022 Servicer XXXX XXXX XXXX sent me another fake PayOff Statement on XXXX XXXX, unsigned and without any references to my alleged creditor On XX/XX/2022 Servicer XXXX XXXX XXXX and their robo-signer XXXX XXXX XXXX XXXX a scanned copy of my Note, which was obtained from some third party sources via XXXX, most likely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Note does not have any endorsements at all, so its unclear to me which relationship has XXXX to my Note ; how XXXX obtained my Note ( if they did ) and from whom XXXX obtained my Note, with the date when my Note was obtained and from whom it was obtained, with the name of an individual who transferred my Note. 

According to XXXX website, the current investor is XXXX XXXX who XXXX confirmed that they have no records about my transaction with XXXX or XXXX XXXX servicing activities. 

This letter was accompanied by unnamed XXXX while its unclear which relationship have these financials to XXXX. Yet, these Financials claimed some Title fees {$300.00} on XX/XX/2022, while I am not aware about any of these charges and who posted them, I demand a legitimate PayOff statement, with full name and mailing address of my alleged Creditor and wet-ink signed by an authorized XXXX of my alleged Creditor. 
I demand explanations which relationship has XXXX to my Note ; how XXXX obtained an access to my Note ; when XXXX obtained access to my Note and from whom. State names of all individuals who were involved. 
I demand a copy of Title documents for which XXXX claimed {$300.00} in charges on XX/XX/2022. 
As of Note inspection I dont want to speak with XXXX XXXX unless he is responsible for debits and credits on a loan account that exists on the books and records of the alleged Creditor. Is XXXX XXXX responsible for debits and credits on a loan account which exists on the books and records of my alleged creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Second time Ive received a letter saying I owe for an apartment that Ive never rented out this time its with XXXX XXXX XXXX Ive called the communities property and they said its gone to collection saying I owe XXXX and Ive been living in my house since XXXX XXXX no need to rent an apartment. This the second time my identity have been stolen I still have police report from the first time and I will be getting another one for this time. I no longer use the last name XXXX Ive been married since XXXX XXXX my new last name is XXXX. Never even been to that side of town or area

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