vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: AZ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received a letter in the mail from Discover Bank ( via XXXX XXXX XXXX XXXX XXXX, XXXX ) threatening and demonstrating pursuit of a Wage Garnishment order against me. Discover Bank holds a judgment on me in New Jersey, and theyre claiming to be filing for a Wage Garnishment order in New Jersey XXXX as well. I have lived and worked in PA for years, and am currently employed in PA. In their letter, it appears that Discover Bank has decided to serve their garnishment order on a corporate office branch of my employer that is located in NJ, but that I have never been to, much less worked at. I believe they did this in an intentional attempt to skirt PA Wage Garnishment exemption laws. 

Ironically, their letter contains, and was sent to, my home address in PA. They know I live in PA, but still chose to pursue a garnishment action in NJ. Ironically, the very letter they sent illustrates their intent to avoid PA law. 

I received this letter via standard mail about 2 weeks after it was most likely delivered, as I rarely check my mailbox. In the the letter, it is claimed that the same letter was also sent via certified mail, which it was most certainly not. Going back even further, I dont recall ever being served for an initial lawsuit of which the judgment is based. 

Discover Banks attempt to avoid PA law is a clear violation of 42 Pa. C.S . 8128. Additionally, within their threat of illegal garnishment includes the threat of disclosing confidential information to my employer both of which are clear FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: OK

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 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account numberXXXX. Account name : XXXX XXXX  account numberXXXXhas 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-02 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: OK

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 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account number:XXXX. Account name : 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-02 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: 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. 
Account name XXXXXXXX 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 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 2023-03-02 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. 
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 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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/XXXX Midland Credit Management attempted to contact me about a debt that was not owed. The account number is XXXX. I have attempted to explain my federal rights to XXXX who is one of the account managers there. I informed him of 15 USC 1692k & 1692CA as I have never given Midland Credit Management consent to contact me and there is no time to discuss this debt. I also ask Midland Credit Management to cease and desist but wasn't taken seriously as they said they couldn't verify me when I provided my full account number and name. I also am requesting how they have been given my additional information under 15 USC 1692B. I am also requesting a visual contract I have with this company. I look forward to getting this resolved. Attached below is the documented conversation with, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is not my credit and both myself and visitors or being harassed by my ex husbands creditor. They left his serving papers in the driveway on the ground. He does not live here. He moved out and no XXXX bows where to locate him. I believe he is homeless. Someone told they say him in XXXX XXXX begging. I dont have anything to do with him. Yes his car in XXXX XXXX way I still make the payment on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Was contacted by company stating I was past due on payment. Notified them that I have not used card since previous one expired in 2020. I had never received another card nor activated one. The person I spoke with would not listen as I explained I have made no charges and kept interrupting me to ask for a payment. I again explained that these are not my charges but again was told to make a payment as if they were reading off a script and not listening to me. I will not make payments on charges that are not mine on a card I have NEVER received and NEVER activated. And I didn't even hear from this bank until months after they claim there were charges. Plus this is a different bank then the one from when I originally opened the account. I refuse to pay charges that are not mine and this is a TERRIBLE company that will not listen when I explain these are not my charges. I've had impeccable credit & would have no reason to randomly jeopardize it now but I will not be bullied by horrible companies with no customer service demanding payment from me on unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: NJ

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The last payment on the account # XXXX is more than 7 years and the account should have been deleted by now, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/2023. '' Please delete this disputed account.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have a credit card with Banco Popular de PR. My statements run from the XXXX of every month to the XXXX of the next month. On my XX/XX/XXXX statement my cancellation balance was XXXX, which I paid and posted entirely on XX/XX/XXXX, and balance was left at XXXX. In the XX/XX/XXXX statement the bank is charging XXXX on interest, after I had cancelled my entire balance 9 days before the new statement came out. Bank refuses to eliminate charge. Same thing happened with XXXX and XXXX XXXX XXXX, which did remove the incorrect interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023, I received the following email from WSFS : " We recently sent you a new WSFS Bank Visa Debit Card, equipped with advanced contactless technology. Please note there was a delay in the mailing of your new WSFS Bank Visa Debit Card. If you have not yet received your new debit card, you can expect it to arrive today or tomorrow. We apologize for the inconvenience.

Its important to activate your new debit card as soon as you receive it, as your current debit card will expire today, XX/XX/2023. To activate your new debit card please follow the instructions on the sticker. '' I did not realize that the email arrived 1 day before the card was set to expire and not having received the card on XX/XX/2023 or XX/XX/2023, I tried to use the card at a vendor on XX/XX/2023. The card was declined and when I called to have the Bank honor the transaction, I was told that ( 1 ) replacement card was mailed on 1/5/203, ( 2 ) they can't honor the expired card and ( 3 ) that I should use my business card and then seek reimbursement. I explained that I did not receive any cards and that I did receive an email on XX/XX/2023 that the cards were delayed. I was told it should be there today ( it was not ) and advised to use a business card for my personal purchase. Neither the delay or the unprofessional advise is acceptable for a regulated entity. I had to incur a 3 % fee to use my credit card because WSFS did not send me a replacement card timely and refused to honor a point of sale transaction. I ask for reimbursement of {$8.00}.

Moreover, when I later stopped by a branch about this problem, I was told that many customers have come in with a similar issue i.e. that the debit card was not working.

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 2023-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02 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: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
They have given me 14 lates on my credit report. We were informed they can not report late while in loss mitigation and XXXX, XXXX, XXXX, XXXX, and XXXX payments were never late and having proof we sent on time and they are still reporting us late. I have been fighting this for the past 6 months and the mortgage company will not correct these incorrect reporting. 
I have proof of everything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The company is having agents call make arrangements for payment falsely and deceitfully assign the vehicle for repossession after claiming they would make sure the car doesnt fall into repossession and the payment plan was valid the car itself is disabled from vandalism and theft and they are unwilling to take into consideration the customers needs for assistance.Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand that all the COLLECTION listed to be removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that these COLLECTION are immediately removed upon receiving this complaint. If they are not removed within 7 days I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a Milestone CC in the mail. I never applied for this card. Then on XX/XX/XXXX, I received a letter saying thanks for letting us know about your change of address! Weve updated your Milestone Account.. Well- I didnt apply for the card and I didnt request change of address. I just want card closed and my security info not being used for peoples enjoyment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
XXXX I started the loan assumption process with my Mortgage Company. My loan assumption has still not completed underwriting. I have been told lie after lie about the process and customer service is not very good. It took the company over 2 months to send us the paperwork to even get started, then they mailed is to the wrong address, and then finally on XXXX we received the paperwork. Within a few weeks we all got the information together from both sides of the assumption and then mailed it to them. XXXX they received the package and then on XX/XX/ said they needed XXXX W2s from the assumers. The assumers turned in that information within the same day by email. Yesterday XXXX they told me that they just sent the documents that they received in XXXX to their underwriting that same day. Its just bizarre how long everything takes. The woman I spoke with through the companys customer service told me that the company only had 1 person on their team that did assumptions. This is a pretty large company and it doesnt make sense that this would be the case. They have a responsibility to do things in a timely manner and it is affecting my life dramatically. I cant afford my bills after having to pay for rent in the new city I live in and also paying a mortgage that could have been taken care of in a more reasonable time frame. It feels hopeless, every time I call, I get a run around and they never let me speak to the department or anyone who knows anything about the department. It is like this mysterious thing after awhile. I dont want this to happen to someone else who needs to sell their house, and they have to go through this XXXX. They were negligent in every facet of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NJ

Complaint narrative:
I recently pulled a copy of my consumer reports and noticed the following personal information you have on file are IN ERROR my correct spelling name is XXXX XXXX XXXX. I DO NOT SPELL MY NAME ANY OTHER WAY.

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