vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
While working abroad for meany years, I was unable to use my Capital One Visa, since I was mostly using foreign currency. I also used my other credit cards. My Capital One Account was in good standing. Capital One sent a letter to my U.S. address saying my account would be closed on XXXX XXXX XXXX due to dormant status. My parents had been traveling, and didn't receive the letter until after they returned in late XXXX, and notified me of it. I called Capital One on XX/XX/, saying I didn't wish to have my account closed, as I have almost XXXX reward miles on the card. Capital One said they can not re-open my account. I asked to at least allow me to redeem my miles, because I have had that account for almost 20 years, accumulating all those miles. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CA

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. 

Experian / XXXX / XXXX reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XX/XX/XXXX XXXX XXXX XXXX XXXX payments Education Loan/Opened XX/XX/XXXX XXXX  : late payments Education Loan/Opened XX/XX/XXXX XXXX XXXXXXXX : late payments Unsecured XXXX XX/XX/XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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. 

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year. 

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-28 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:
XXXX XXXX is reporting into Experian Rentbureau inaccurate information that was removed from my Experian report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts # XXXX XXXX XXXX XXXX {$490.00} # XXXX Commons of XXXX XXXX {$150.00} # XXXX XXXX XXXX Apartments {$180.00} were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

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 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp.
State: WA

Complaint narrative:
The debt for {$150.00} was already paid to Armada Corp and was supposed to be removed from my credit. They keep reporting this debt to XXXX as a debt owed and it is not owes. I even have a letter from them that I have submitted to XXXX that states I DO NOT OWE THIS DEBT. Please remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc.
State: CA

Complaint narrative:
My previous complaint that I sent was there was additional charges on my account and they just disregard. They said the transactions were all authorized and made by me which wasnt. Attachment below is their response to my email. I have never once used XXXX XXXX because its too risky for my just having my card just added to sone mobile phone. I do not know who had access nor had my card at the time and they were able to access it. Now Im being blamed for my card being sent to the wrong address. I couldnt even lock my card from the app until its been activated and still now I still dont have the card that they were supposed to send. When I talked to one of the customer service about the fraud they had me update my billing address so its not my fault to have my card sent to the wrong address. They also had my account closed for no reason. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Hello, I sent a letter to Care Credit asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from care credit. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts 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 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 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I recently seen the wells fargo loans in fraudulent programs. I currently have a car loan with Wells Fargo. I enter the loan reduction due to covid, they lower my payments but when I file my taxes for XXXX it cause me to pay taxes. Can you check to see was there negative results cause me to owe more or less due to covid my Wells Fargo account XXXX, XXXX XXXX XXXX my maturity date now is XX/XX/XXXX. Can you see if my loan is apart of this lawsuit I checked with Wells Fargo they said if I get a letter FROM THEM?

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 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Creditors Bureau Associates
State: AL

Complaint narrative:
Balance {$760.00} Acct # XXXX XX/XX/2022 Credit bureau association XXXX XXXX XXXX XXXX XXXX XXXX On this date ccompany oped a collection saying I owed this collector I dont know who they are and have no written consent Also they have not verified that I owe this debt to this alleged company! They are violating my rights of the firs as a consumer! Please have removed from all three credit bureau!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
Since XX/XX/, I have been receiving calls from Associated Credit Services. The calls are coming from XXXX. I always receive a robocall voice telling me to return their call at XXXX. I wasn't even aware they were a debt collection agency until I called them back. They asked for my name. I told them that I didn't feel comfortable giving that out, and they simply hung up on me. This happened several times until I was able to speak with a supervisor. He confirmed that I did not owe any debt, but said they could not take me off their contact list ( he refused to state why ). Some workers I spoke with told me that I had been taken off the list. Others said I was never on the list to begin with. Yet another employee told me they don't even *have* a list. 

In total, I had to call around 7 times before a XXXX assured me I would not get any more calls. I do not trust this and feel that I will continue receiving calls for a debt I was never even associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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:
XXXX XXXX XXXX is reporting into XXXX XXXX and Transunion inaccurate information that was removed from my XXXX report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

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 2023-02-28 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:
XXXX XXXX XXXX is reporting into Experian XXXX and XXXX inaccurate information that was removed from my Experian report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXXXX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

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 2023-02-28 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 XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A states I have the right privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA

Complaint narrative:
XXXX formerly XXXX stated I owed the a debt of {$99.00} for service after they forgot to cancel my service after I called and told them to cut it off. They sent the debt to collections. After I filed an FTC complaint I received a call from their corporate office stating it was a mistake and was sent a letter saying the debt was forgiven and no payment was owed. Since then I have continuously gotten calls up to 10 times a day trying to collect this debt. Each time I provide the debt collectors with the letter XXXX gave me they just sell it to a new collections agency. The current holder of the debt is Collection Bureau Hudson Valley

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have paid off most debt ; all of my accounts in collections should be closed. I have confirmation emails I printed out. But one company in particular keeps resetting my balance after being paid off completely and closed. The balance I owed was a little over {$3000.00}. On XXXX, it states that the balance was {$0.00} in 2022. I started paying through a third party where my payments were distributed to all of the accounts in collections. I paid off most of them through this third party. I had to stop payments because this company kept harassing me. When I talked to them they said I still owe full balance and didnt see the payments and after an hour of fighting with them, they finally saw that I did pay and the balance left was a couple hundred dollars. So I ended up setting up payment plans with them ; two payments of {$70.00} and {$30.00} were taken out weekly or bi-weekly just to hurry up and close the account. But because of them forcing me to do payments with them instead, I couldnt go through the third party anymore because I was sure that they would still get the money through them. I finally paid the full balance of the two accounts I had open with them ( one ~ {$3000.00} & the other one ~ {$300.00} ) and Received confirmation. Then, after I lost my job they start calling again. They reset the balance and say I owe the full balance once again of {$3000.00} and they were trying to take money I dont owe them out of my account. I had to write my bank and tell them not to allow it because I already paid them off and now they keep harassing me- it has been four months and they call me every single day. I definitely over paid them. Well this is a reoccurring theme. A lot of debt collectors have been trying to scam me like this, but this one has been the worst. Portfolio Recovery Associates. I should have nothing in collections ; it should either be paid or disputed. This is what I get for trying to be responsible and do the right thing. This has made me stop paying everything all together. I swear since COVID, every one is scamming now and money is tight. My credit score was almost at XXXX  finally, I worked hard to do that and now dropped to XXXX I really hope this isnt the reason why it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
The IRS sent XXXX dollars to my chime checking account on XXXX XXXX XXXX and I have emailed chime support over and over asking where my tax refund money is and they're not giving me a clear answer or resolving my issue with my IRS Tax refund deposit of XXXX. I need to know where my money is as it was sent to my chime bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I made my mortgage payment to Mr Cooper aka Nationstar mortgage. I made a major error over paying my account # XXXX The payment was for {$1300.00} I made the huge error of paying them {$13000.00}. I notified them of my mistake on XX/XX/2023 By phone and ask for my overpayment to be returned. They said they would said it would take 3-7 business days.Did not get my money back. Called them a few days later. Was told to send a canceled check with the Banks information. Waited a few more days and called to ask where was my money. They Told me because it was over {$10000.00} dollars they needed a copy of my monthly statement which I faxed and emailed copies to the number that was given to Me. It is XX/XX/2023 and still have not received my money to Me. Please help me get my money back. Received my mortgage statement today they paid my XXXX payment. Put the rest of the money on my Principal.It cost me {$25.00} dollars to fax the bank statement to them at XXXX. Not to mention the cash advance from my bank.Called today was told the person handeling this now is XXXX XXXX her phone is XXXX Please Help Me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 I made a CERTIFIED check at Chase in the amount of {$13000.00} made payable to XXXX exchange llc to payoff a vehicle. I also use XXXX overnight to mail the check out tracking # XXXX. After a week I call XXXX XXXX XXXX and they stated they never got a check and that is when I notice it is check is gone and at once we go to Chase and file a claim # XXXX. Long story short, Chase told us that someone make a fake certified check and change the payable person to XXXX XXXX XXXX and cash the check in XXXX XXXX XXXX. Also chase make me file a police report as well ( see attach )

Company response to consumer: Closed with monetary relief