vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXXXXXX XXXX  account # XXXX have violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I sent a bank check for {$11000.00} to pay the balance off on my bank of america cc. They cashed the check on XX/XX/2022. As of XX/XX/XXXX it has not been applied to my account. 
Yes Ive done everything possible with cc company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Beginning on XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The XXXX XXXX XXXX XXXX XXXX also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the XXXX they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from Transworld Systems Inc. ( TSI ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that TSI did not coincide with the statements that XXXX XXXX XXXX XXXX XXXX had been sending. On XX/XX/XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to XXXX XXXX XXXX XXXX XXXX through the Treasury Offset program. However, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX and TSI has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with TSI to update them that the account has been paid. On XX/XX/XXXX, TSI sent a letter making false claims that the amount owed has not been paid off. TSI has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to update this account and TSI that it has been paid off by the method of Treasury Offset program. The XXXXXXXX XXXX XXXX XXXX XXXX has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along TSI. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the XXXX has contracted TSI to continue sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
This complaint is towards Jefferson Capital Systems. There is a collection on my account from XXXXXXXX XXXX that I have disputed various times. I have included the fraud report issued due to my previous spouse opening the account without my knowledge. To add to XXXX illegal tactics that have re-aged this account multiple times. This account was opened in XXXX and went unpaid during that time. This account however shows opened XXXX. I have made continuous attempts to get this resolved with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Lvnv Funding LLC, XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all 3 Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I believe this account is unlawful XXXX XXXX Account XXXX Interest rate is 98.29 % annaualy. It goes against California usury law. There lending practices takes advantage of people in difficult spot and put them in worst situations. When o reach out to them multiple times I got no compassion are no modified arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
Equifax had received my letter with giving instructions to delete false information. My privacy as been violated by Equifax for furnish this false information without my writing consent violating XXXX statues of the law 15 U.S code 1681 ( A ) ( 4 ) and 15 U.S code 1681 ( B ) ( 2 ). By doing so Equifax had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 U.S code 1692c ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXXXXXX XXXX sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/20XXXX XXXX  sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXX. I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX  was unable to approve my application. I never applied for this either. 
PayPal informed online they sent me to collections. I was frauded on PAYPAL, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 SYNCHRONY BANK sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/2022 XXXX sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXXXXXX I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX was unable to approve my application. I never applied for this either. 
XXXX informed online they sent me to collections. I was frauded on XXXX, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX oXXXX XXXX, while navigating the CIti Bank app to make a payment I was offered a lower minimum payment ( {$99.00} ) promo to help me with the high minimum payments. The deal seemed great as I was vulnerable and going through financial difficulties. Keeping in mind I didn't initiate this myself or call for assistance, I wasn't aware that by accepting lower minimum payments Citibank would still be reporting underpayment to the credit bureau on the minimum payments. It therefore caused me irreparable damage to my score and all while unbeknownst to me I'm thinking I am meeting my monthly obligation. It makes no sense to me because I wouldn't need a " plan '' to underpay my minimum payments I could do that all on my own and still affect my score if that was my intention. I tried to reach citi bank and managed to speak to XXXX reps and both agreed with me that they felt sympathy for my scenario as they didn't agree with citi bank business practice. I believe and prepared to say that this a sly, conniving, deceitful way of offering relief of late fees while still reporting it to credit department as late payments. This has caused me and my family heartache and financial stress. Please help rectify this misrepresentation, and frankly terrible business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
XXXX XXXX my mother ( has authorization ) called GM Financial and asked what the remaining balance on my lease account was a I was looking to turn in or trade my suv. They gave her an amount that we felt was incorrect. They insisted it was correct so she asked that they send it to me in writing with this balance noted. On XXXX XXXX, XXXX I rec 'd a payoff letter that had a different remaining balance ( {$340.00} more in remaining payts ). My mother called to explain and they suggested she fax them the paperwork/proof. She did this on XX/XX/XXXX. Still no response. On XX/XX/XXXX I sent the adjusted balance due in full with a copy of their letter as proof to backup my short payt. I know they rec 'd the letter along with the check when the check was cashed. After that they kept calling and sending letters. We kept faxing back their letters with the same explanations and proof backup and still nothing. Haven't heard anything for almost 2 yrs. I'm applying for a new mtg and my broker told me that GM had " written of bal. '' as uncollectable debt that affects my credit. I disputed this on my credit reports and today I noticed that GM re-opened my account/debt and my credit dropped XXXX XXXX! How can they re-open a debt that was incorrect to begin with??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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:
In accordance with the fair credit Reporting act XXXX Accounts with XXXX, Equifax, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy. 

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a credit limit increase with my XXXX credit card online. XXXX declined the request with reason that my Equifax credit report has a bankruptcy reported. My bankruptcy was discharged well over ten years ago and should not be part of my credit report. Equifax says I have no bankruptcy on my report, but on their own website, it shows a bankruptcy under my account information that is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$900.00} written off. 

FCRA violations : payment never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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:
I CONTRACT EXPERIAN ABOUT AN BANKRUPCTY ON MY CREDIT FILE, THAT EXPERIAN SAY THEY RECEIVED FROM XXXX, XXXX SEND ME A LETTER SAYING U DO NOT HAVE A BANKRUPCTY ON FILE WITH US, SO I SEND EXPERIAN THE SAME LETTER BUT THEY REFUSE TO DELETED IT OFF 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 explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account 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
Consumer complaint received 2022-05-20 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:
This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/22, I received a letter from PNC Bank saying there is a 2 year seasoning period required to have PMI deleted. Currently, I have over 24 % equity ( 27 % as of today ) and the article I read says that after having 22 % equity there should be automatic PMI deletion. Is it valid for PNC Bank to have a minimum 2 year seasoning period? I followed their instructions to mail them a check for {$100.00} to have an updated appraisal of the condo, and they mailed the check back to me. They alerted me to the two year minimum, which is not a requirement as per the CFPB article about PMI deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: AR

Complaint narrative:
American Express quit sending payment envelopes approximately XXXX year ago, but when called, agreed to separately mail XXXX okay. I called today XX/XX/22, and XXXX at customer service politely refused to send anymore and recommended I use my own. This will cost me more and increases mail time thus increasing the chance of late fees. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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