vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This opportunity to cure is regarding application # XXXX Ally Bank denied credit extension and I am seeking compensation for damages. 

" 706. Civil liability " ( a ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant acting either in an individual capacity or as a representative of a class. 
" ( b ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, as determined by the court, in addition to any actual damages provided in section 706 ( a ) : Provided^ hoverer^ That in pursuing the recovery allowed under this subsection, the applicant may proceed only in an individual capacity and not as a representative of a class. 
" ( c ) Section 706 ( b ) notwithstanding, any creditor who fails to comply with any requirement imposed under this title may be liable for punitive damages in the case of a class action in such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery in such action shall not exceed the lesser of {$100000.00} or 1 percent of the net worth of the creditor. In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditor 's failure of compliance was intentional. 

As stated in PART 1002 - EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) As per United States Constitution I can take Ally Bank to Federal Court and Sue for this matter. 

There is nothing else above the law and I hope you govern your self correctly.

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted Portfolio Recovery Associates over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I attempted to reach out to collectors on XX/XX/23 and gave them ample opportunity to resolve this issue the account was closed and paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CT

Complaint narrative:
This is according to Fair Credit Reporting Act. XXXX account 4207 15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604a sec 2 States 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXXXXXX XXXX XXXX XXXX with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX 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 2023-03-16 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: Bridgecrest Acceptance Corporation
State: GA

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 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 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Rep at Transworld Services Inc called ( Second Time after I had asked for verification of debt that I never received and told them all communications must be done via mail going forward ), I missed the call and decided to call back. Upon doing so I was told the company name and that they were calling to speak to XXXX XXXX. I did not verify who I was or if I was who they were looking for. I simply stated, what is this in reference too. The rep on the end of the phone, without verifying identity stated " XXXX XXXX ''. This breaks FDCPA guidelines concerning releasing information to an unknown party. I could have been anyone on the other end of the phone and she just stated that she was calling concerning something related to XXXX. Not only does this go against FDCPA guidelines but HIPPA. You disclosed that I have a bill due to XXXX, who is a medical office taking tests. Which means you just told someone I had testing done for unknown reasons. If it had been a family member that could have caused major issues. Not only that, I had requested the last time I spoke to them to mail me verification of debt to the address they have in their systems and to do all further communication via mail. This counts as a verbal cease and desist which is another violation of FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
After significant renovations to our home, we contacted Truist to remove the PMI in XX/XX/XXXX. After 7 months of back and forth with them, they approved this ( attached ) on XX/XX/XXXX. However, they are still charging us PMI, and have doubled the PMI premium going forward on the latest statement ( attached ). After phoning and getting no solid response nor timeframe to get this resolved ( and being cut-off again ), we are now trying to get this resolved by contacting the CFPB- as we are not willing to wait another year before they eventually agree / answer.

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 2023-03-16 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:
According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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 2023-03-16 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: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, XXXX, and Experian. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to Experian asking them to remove Several addresses from my report because I only have one address.

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections!

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Regarding Rocket Mortgage : When attempting to login to the Rocket Mortgage site to pay the XX/XX/2023 payment, a pop-up briefly appeared prior to presenting the home page. 

Having two mortgages the same pop-up presented itself when attempting to login separately for each account. Only after the second login was I able to read the small window of the pop-up. It appeared for less than 3 seconds, with no action on my part dismissed itself, presented the payment center page and thanked me for " signing up for free credit monitoring. 

Not only did I not desire the " Free Service '' I was able to rapidly determine that there was no " opt out '' option available. 

Upon contacting Rocket Mortgage 's Account Resolution Team, they told that their I.T department would not remove this " feature '' from my account because I voluntarily signed up for it. 

If just attempting to use the the Rocket website is tacit approval for anything their I.T. deems useful to their business model I guess I'm guilty.

This type of behaviour is at least appalling and at worst a direct violation of the privacy rights of the consumer. 

I hereby formally request that Rocket Mortgage cease and desist in this deceptive and intrusive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I own a XXXX credit card issued by Synchrony Bank. The account number for it is XXXX. Someone other than me made some purchase on the card which I reported to Synchrony n XXXX, Initially the reversed the charges and reissued me a new card. Then the charges reappeared. When I inquired with Synchrony again, they told me that my dispute was declined and when I asked why it was declined, they said because these purchases which required XXXX to send a download link were sent to me and that the softwares were downloaded using my email address. This can not be true for many reasons of which I have outlined a few below. 

XXXX. XXXX always sends and email after purchases and follows up with a link to download digital purchases. There are no records of me getting either from them. If I didnt get it, XXXX would have no record of them sending these confirmation emails to me. 

XXXX. XXXX always follows up with a phone call after you place an order with them to confirm them receiving the order. There is no record of them calling me around the time when these orders were made. I am happy to submit my bills for the phone nmber that I have registered with XXXX as proof. 

XXXX. My XXXX Sales Engineers name is XXXX XXXX. I have worked with him for a very long time. He can be reached at XXXX XXXX XXXX. He ALWAYS calls me when I make a purchase. XXXX and I have talked about these fraudulent purchases and he knows that he never called me to confirm these purchases. 

XXXX. I am a musician hobbyist and the most of these purchases that were made, I wouldnt know what to do with them since they are for other types of music composition. There is one purchase that was made for a software and that is a software that I would never need because I have had that for more than a year. I bought it directly from the manufacturer more than a year ago and have proof of it. There would be no reason for me to have 2 software of the same kind. That is like buying an identical version of XXXX XXXX when you already have one. 

XXXX. If Synchorny wants to validate that these softwares were never downloaded in my computers, I am willing to give their investigators an access to my LAN so they can check all the computers at my house for records of these downloads only to find nothing.

I have outstanding credit history and an impeccable history with all my creditors. I have credit cards that have 10 times more credit limits that my Synchrony card and had I fancied credit card fraud, I would commit them with these cards. Moreover, if I really wanted these softwares, I can afford to buy them without having to potentially commit a crime and rish denting my history which has nothing except for a few traffic tickets.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report 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 2023-03-16 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 2023-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I received an inquiry alert from XXXX on XXXX. When first calling Bank of America ( the same day ), the representative explained that they had no information in regards to any credit inquiries on XXXX. They then directed me to call XXXX because they stated that they had no information for me. 

I then called XXXX ( the same day ) but they were closed for the day. The very next day on XXXX, I called XXXX and they placed a fraud alert on my account and thought that it is very strange that Bank of America had no information for the credit inquiry. The XXXX representative then explained that they are only a data reporting unit. 

I did not authorize Bank of America to create a credit inquiry for me on XXXX and I am fearing that my personal information may have been used for possibly opening an account or line of credit in my name and identifying information.

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 2023-03-16 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: DC

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 non-monetary relief