vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: MI

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 : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # 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 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 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 2023-02-22 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: National Collection Systems, Inc.
State: GA

Complaint narrative:
Again, this is evidently a company I did not have a contractual relationship with. How are they claiming I owe them a debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I mailed Ally Financial a Cease and desist on XX/XX/2023. I received proof of mailing on XX/XX/2023 that it was signed for and received. Since then I have received text messages requesting payment. I have attached the text messages and the return mailing label as proof that Ally Financial did receive and should honor the Cease and Desist that was mailed to them and that they are in violation. They are now communicating with me without my consent. According to the FDCPA, pursuant 15 USC 1692k unauthorized communication is a violation of my rights as a consumer.

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 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I had a 3 month covid Deferment with XXXX, XXXX and XXXX 2020 with BBVA compass bank that was bought last year with pnc bank. I am up to date on payments and no issues at this time. I need copy of my deferment agreement for a second mortgage with XXXX XXXX XXXX. XXXX XXXX XXXX  is requesting a copy of my deferment agreement, and I have for three weeks multiple calls to PNC bank that has bought BBVA compass have tried to get this document and they can not located it. I have talked to supervisor, escalated this matter. They simply can not locate it and are not willing to give me any documentation regarding this Deferment agreement other than my statements. XXXXXXXX XXXX XXXX says they need a deferment agreement and PNC is required under federal law to have a copy of it to send me. PNC is they lost a lot of documents during merger they are unable to locate it and unable to generate a new agreement. I really need help getting this document, and on line tons of similar complaints that have gone unresolved, so I am just super confused what to do next. All I need is my deferment agreement from PNC and they can't fine one to send me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I was reconciling my Capital One checking account statement for XXXX transactions, and I noticed a transaction that didn't match my check register. I looked at the check image online and saw that the check # XXXX had been altered from {$3500.00} to {$9200.00}. I contacted Capital One and opened a case # XXXX and also contacted the police and opened a case with them as well. After two weeks, the funds were returned to my account. I requested Capital One to also reimburse me for the late fee of {$57.00} that I was accessed since the original check was never received by the intended recipient. I received an email on XX/XX/XXXX stating the following... 

'We understand you are requesting to be reimbursed for a late fee you received from a third party after a check you wrote from your account was intercepted and altered. The missing funds from the altered check were credit back to your account on XX/XX/XXXX, and the investigation was completed. Since the third party fees were not charged due to a bank error, we will not be able to reimburse you. We understand this is not the answer you were looking for, but we suggest trying to resolve the issue with the third party. 

If you need any additional assistance, please contact us at XXXX. Associates are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX On behalf of Capital One XXXXXXXX XXXX XXXXXXXX ' I've tried to contact XXXX numerous times to understand Capital One 's logic to state that the third party fees were charged due to a bank error. I've left numerous voicemails and have never received a call back. 

I'm requesting Capital One to reimburse the late fee of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, Care Credit, under Synchrony Bank ( the " Creditor '' ), apparently e-mailed me that they were closing my account immediately based on a recent credit inquiry even though my account was in good standing. When I spoke with the customer service agent on XX/XX/XXXX, she told me that my account was closed after an alert was sent to me via XXXX XXXX that the account was closed and an e-mail correspondence was sent to me. I checked my e-mail address that the credit card was registered to and I have received no such correspondence. 

Additionally, pursuant to the Credit Card Act of 2009 ( the " Act '' ), Care Credit is required to provide me with a 45 days ' notice of major changes to my account. Seeing as how I was not provided sufficient notice of this, they are in blatant violation of the 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 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are two hard credit inquiries on my credit report that I didn't not initiate or give permission for. I've already disputed these two inquiries with CFPB, but for some reason they couldn't be found when I called Transunion. The two inquiries are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX XXXX with monthly installments of XXXX per month. This information needs to be removed from all credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX  XXXX XXXX has no way for me to contact them to report the fraud going on. I am an ID theft victim, they keep sending me letters stating an account I did not apply for was denied due to my Early Warning Services banking score. They dont check credit reports they just allow fraud to run rampant. CFPB needs to regulate Early Warning better. They are owned by big banks like XXXX XXXX XXXX and it's their excuse by not allowing fraud alerts to be placed on that report and not checking the big 3 credit reports which if they did they would see the freeze and the fraud alert telling them the number they need to call me at to verify my information before going any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/2022, I purchased XXXX once and cancelled after my cats refused to use this litter. A few months later, XXXX, another {$100.00} package arrived and I immediately requested to return the unopened and unsolicited box. 

XXXX 's customer service ignored my request for days and I kept texting them for a return label. Finally got the label and returned the product but XXXX failed to issue a refund. I noticed the missing refund 60 days later and contested the charge with the credit card. XXXX responded with someone else 's personal information and Discover Card refused to issue the refund due me not having a copy of the return label showing the address that XXXX returned the package. 

The tracking details were inadequate since there is no address on that receipt. XXXX is still fighting with me even though they acknowledge receiving the returned box less than a week later via text messages. 

As I did my research, I discovered that XXXX XXXX just bought XXXX - I'm guessing that the past CEO was overstating sales in order to gain a higher valuation. 

The BIG ISSUE is that Discover Card accepted the wrong information for an unknown person and decided in favor of XXXX. XXXX refuses to refund this money until I withdraw my appeal with Discover Card. Discover Card is denying that they shared the Personally Identifiable Information ( PII ) for another XXXX  customer, violating XXXX XXXX 's privacy, and likely violating my privacy by sharing my PII with another customer appealing the charges from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, TRANSUNION and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.

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 2023-02-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, XXXX and EQUIFAX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-22 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company has been adding illegal fees which I know that this account has been paid to the original creditor. I don't have any contractual agreement to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
The company Resurgence/LNLV funding refuses to VALIDATE debt as requested. ( SEE ATTACHMENTS ) The company will not remove debt from my credit file. refusal to provide any competent evidence that the debt is legally and lawfully required to be paid by me. I delivered a letter via certified email with a list of documents that were requested and required to be given to me at my request and was sent an old bill instead with an incorrect name and address instead. The company now refuses to cooperate in accordance with the fair debt collection practices act. 
I can provide hard copies of all documents showing non compliance, As the upload function of the system here is not allowing uploads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Nothing is owed to XXXX XXXX XXXX Have contacted this collection agency several times and they still continue to send bills. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions and consent of the consumer ( myself ). 

EXPERIAN and XXXX has furnished my credit file with inaccurate information and accounts. I have try to resolve this matter several times by disputes with each bureau. Each dispute comes back as UPDATED and is a violation of my rights by law. 
If each bureau is furnishing different information the that very information is deemed invalid. This information and inaccuracies clearly violate the laws of the Fair Credit Reporting Act. Which information is correct? By what measures? I deserve the right to an account credit file. Please remove and delete this inaccurate account and information 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 explanation
Consumer complaint received 2023-02-22 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: Atlanticus Services Corporation
State: MN

Complaint narrative:
I am a new credit card holder with Fortiva, a high interest credit card company. I had 2 payments that were a couple of days past the due date. I never rec 'd a past due notice because I quickly corrected this issue so my account never even went 30 days past due. I recently made a large payment to the company and noticed that while my credit limit was the same as when I opened the card but my available credit was XXXX. I called Fortiva and was informed my account had been closed because of 2 late payments. I have been trying to rebuild my credit and these high interest cards are the only ones available. I was given no warnings nor was I informed that my account had been closed. When I log in, the account still shows active ( picture attached ). I believe this is a very unethical credit card company. As previously mentioned, I NEVER had a 30 day late payment and now my credit report will show an account closed. I hope you investigate them and take action so others like myself won't be tricked into accepting offers,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I noticed a card reporting negative on my credit from Capital One ending in XXXX. 
It says that I am an authorized user. This was never verified or asked if I want to be on this card or have it reported on my credit. I contacted Capital One and asked them to remove me from that card and take it off my credit. It dropped my scores. It's still reporting on my credit as terminated. It should not be on my credit at all. 
Please help me. I don't want this on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with XXXX  XXXX XXXX Account # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX Account # XXXX, And 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.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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