vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling XXXX and also called the company that holds the account recently which is Portfolio Recovery. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or Portfolio has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-22 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/2023, I went online and made a payment to my American Express credit card account in the amount of {$3800.00}. The funds were taken out of my account by ACH on XX/XX/2023. I received my next statement for XXXX and XXXX XXXX payment was reflected as received. I received my next statement for XXXX  with no mention of the {$3800.00} on it. Now, on XX/XX/XXXX I get an email from American Express saying there is a problem with your account and they have not received the {$3800.00}, two months after they received the payment. American Express did a three-way call with my bank who assured them that the funds had come out of my account and were never returned. I have called American Express multiple times and can not get it resolved. They keep saying it was returned but it was verified by my bank that it was not returned. American Express has been horrible to deal with and I am at a loss as to where to go from here. We have had this account for over 30 years with no issues. I always thought American Express was the safest credit card to use but I was terribly wrong. I am in desperate need of help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I believe Capital One has committed an egregious UDAAP violation against myself and all former XXXX Direct savings account owners ( otherwise noted as Capital One 360 Savings owners post-acquisition ). Capital One created an exactly comparable product called the 360 Performance Savings ( vs Capital One 360 Savings ) with a greater interest rate and all the same account services and benefits. They are still providing legacy account holders a 0.30 % APY while new customers opening the exact same account receive a 4.10 % APY. When I contacted the bank to clarify this problem, they told me I could close my account and open a new one. This seems like a very deliberate attemp and unfair practice that intends to capitalize on banking customers not catching the change or rate difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with XXXX XXXX  to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
XXXX. Georgia Fair Business Practice Act : - XXXX XXXX did not disclose to XXXX XXXX XXXX XXXX planned to sell the car finance contract to a third party, US Auto Credit XXXX 
- This lack of disclosure may violate the Georgia Fair Business Practice Act which prohibits businesses from engaging in deceptive or unfair practices in business transactions. 
- XXXX XXXX may be in violation of this law if they did not disclose to XXXX XXXX their intention to sell the contract to US Auto Credit .

2. Georgia Uniform Commercial Code ( UCC ) : - US Auto Credit is bound by Article 9 of the Georgia UCC, which governs secured transactions such as car finance contracts. 
- Article 9 of the Georgia UCC requires lenders to provide written notice to the borrower after the sale of the contract, indicating that the contract was sold, to whom it was sold, and how the borrower should make payments. 
- In the scenario you provided, it is not clear if US Auto Credit provided such notice to XXXX XXXX XXXX 
- However, if US Auto Credit did not provide such notice to the borrower, they XXXX be in violation of Article 9 of the Georgia UCC. 
3. Georgia Consumer Protection Act : - XXXX XXXX may have a cause of action under the Georgia Consumer Protection Act if they can prove that XXXX XXXX engaged in deceptive or unfair practices, such as failing to disclose that they planned to sell the car finance contract to a third party.

- The Georgia Consumer Protection Act prohibits businesses from engaging in deceptive or unfair practices in Georgia. 
- In the scenario you provided, it is not clear if XXXX XXXX engaged in such practices. 
- However, if XXXX XXXX XXXX XXXX that XXXX XXXX XXXX kept the sale to US Auto Credit a secret, XXXX XXXX may be in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: DC

Complaint narrative:
XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling Experian and also called the company that holds the account recently which is XXXX XXXX. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or XXXX has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help 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 explanation
Consumer complaint received 2023-06-22 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
E-mail phishing scam on XXXX from supposedly XXXX XXXX XXXX for XXXX XXXX XXXX membership of {$340.00}. 
Contacted Best Buy and they indicated that it is a phishing scam. Recommended to report incident. I am watching credit card for any bogus charges.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX TransUnion XXXX RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Previous loan provider went out of business company has incorrect information trying to charged me over {$40000.00} for a car that has already been repossessed the company calls me several times of day yelling and screaming over me when I talk

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with td bank to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I have no knowledge of this account. This agency does is not licensed to collect in my state per XXXX website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I closed XXXX XXXX in XXXX of XXXX  and today trans union just dropped my credit score and put the balance back on the account I have provided information from trans union report showing it was closed and paid in full

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 2023-06-22 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I made the mistake of sending a partial payment for my mortgage for the month of XXXX without knowing. Few days later ( XX/XX/XXXX ), I received a letter advising that payment has not been received by the bank - no explanation as to what happened ( see attached ), but after realizing that I sent a short payment, I immediately sent the remaining balance ( little over {$200.00} ). 

Around XX/XX/XXXX, I received an email advising a late payment status on my account. Called the bank ( Citizens Bank ), and they notified me that Citizens does not take partial payment on mortgages ( customer service said it was illegal ). On XX/XX/XXXX, I petitioned to XXXX XXXX, to apply existing funds under your possession ( that would have completed the mortgage payment ), and as of today XX/XX/XXXX, still is pending as she is stating that Citizens needs extra time to stop the checks that were issued back to me to refund the partial payments. 

Meanwhile, my credit report has been impacted as Citizens have been reporting me as delinquent, even though you have the funds under your possession. 

I please need someone to help and look at this matter under as Citizens Bank is still under possession of the funds that could have been apply to the mortgage payment for the month of XXXX ( in fulll ) but they refused to do so and instead they reported me as delinquent on the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: 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. 

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 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Due to the data breach with XXXX and XXXX some time ago, victims of the breach were granted access to credit monitoring through Credit Karma. I was one of these victims.

Recently I began receiving emails from Credit Karma with alerts stating that my " credit limit has decreased '' and they referenced a line of credit I carry ( XXXX ) I contacted XXXX and was assured that my credit limit had not changed - this repeated three times : Credit Karma emails me with an alarming email explaining how decreased credit limits can harm your credit health, how will this negatively impact me, how to contest the change, etc., I contact XXXX to confirm nothing changed, I email Credit Karma, get ignored ... process repeats.

I've contacted Credit Karma dozens of times and they refuse to put me in contact with a supervisor, but the rep who replied explained that these " credit limit decrease '' emails are marketing emails and to ignore them- which is unacceptable. 

I explained that this deceptive and predatory behavior and that I no longer give them permission to send me those types of communication ... .at this time they began to refuse to even reply to my emails, stating that my email addresses didn't match their records and for security reasons they could no longer communicate with me ( this was blatantly untrue ). 

At this point, I want to lodge a formal complaint because these are extremely alarming emails to receive and they reference real lines of credit I carry and give false information in some ridiculous attempt to get money by scaring poor people who've already had their lives disrupted and their financial futures negatively impacted by our very own credit reporting agencies. 

It's all unacceptable and their lack of willingness to even communicate with me about fixing the issue and stopping these marketing attempts is not ok. 

Thank you for taking this time to review. I appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have held multiple high-interest savings accounts with CapitalOne XXXX XXXX Bank XXXX XXXX ING Direct ) for more than a decade. All were opened as high-interest savings accounts under ING Direct and XXXX to CapitalOne XXXX Savings accounts when CapitalOne acquired ING Direct. As general interest rates went down, the interest rate on these accounts also went down, as expected. But when interest rates went up, instead of raising rates on these high-yield savings accounts, CapitalOne created a new class of accounts ( " CapitalOne XXXX XXXX XXXX '' ) and advertised higher rates ( 4.1 % at this time ), but left the existing XXXX XXXX accounts marooned at low-yield rates ( 0.3 % at this time ). I am writing to complain about this deceptive bait-and-switch. I have held thousands of dollars in savings with CapitalOne with the understanding and expectation that these accounts would continue to be high-yield. When I called customer service, they advised me to open new accounts and transfer funds, which I did. But that does not address the deceptive practices of CapitalOne, which cost me substantial interest over an extended period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had an account with XXXX thru Commenity Bank. When my balance was {$310.00} I initiated a balance from XXXX to my XXXX XXXX  credit card. XXXX XXXX  initiated the transfer within a fee days. The money was never credited by Commenity so I was still being charged by Commenity and XXXX XXXX. After numerous attempts and minths to fix this problem with Commenity, I requested XXXX XXXX take their money back. Still after XXXX XXXX credited my account I continued to try to work with Commenity to credit my account all late fees and interest to no avail. I finally contacted a lawyer and they won my case by crediting my Commenity account to XXXX.

Company response to consumer: Closed with non-monetary relief