vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I requested a balance transfer on XX/XX/2023. Rather than transferring the balance directly, the credit card company issued a check. The check never arrived. I was told several different stories about where it was and there wasn't any consistency in the explanations however the balance of {$7000.00} was added to my account the day I requested the transfer. 

Now, as of XX/XX/2023 and many calls to attempt to resolve the issue, I have closed the account but the agency doesn't appear to be willing to settle the dispute. Meanwhile, I have been carrying the debt, interest, and transfer fee on my credit report which has lowered my score. 

The customer service department keeps stone walling the process by continuing to tell me the check is in the mail, or the credit will take another XXXX days, and that they can't manually issue the credit. I am considering the possibility that they have not intention of resolving the issues, meaning I will continue to have a closed out account with a {$7000.00} balance. 

The supervisor that I spoke with today is XXXX and her employee number is : XXXX Transfer request information below : RE : Account ending in XXXX XXXX XXXX XXXX, Your balance transfer request of {$7000.00} has been received and is currently being processed. 

Please continue making minimum payments on balances transferred to keep the account current until your transfer appears on your other creditors statement ( s ). Remember that if you wish to close these accounts, youll need to contact the other companies directly.

If you didnt request a balance transfer, please call the number on the back of your cardwere available 24/7. 

Thanks for choosing Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: PA

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 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  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 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I XXXX XXXX received notification on my consumer report indicating I had a collection account with Credit collection SVCS. This is a direct violation of 15 usc 1692 ( b ). I given no consent for this company to communicate with anyone other than the consumer. I've been harassed and abused by this company in attempts to collect an alleged debt 15 usc 1692d ( 1 ). This company has advertised my debt in attempts to receive payment which is a violation of 15 usc 1692d ( 4 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NC

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

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

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

Company 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 2023-03-31 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: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B

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 2023-03-31 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: The CMI Group, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 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 disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion continues to furnish Previously Disputed US DEPARTMENT OF EDUCATION accounts # XXXX & XXXX which contains inaccurate non public personal information. They continue to neglect my attempts to Delete these adverse accounts

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: MN

Complaint narrative:
I joined a credit building company last year.CALLED SELF.I was paying {$35.00} dollars a month toward the loan they set up for me to pay in 24 months.In XXXX of last year.Someone working for them was stealing my payments going to them from an automatic payment straight from my bank account to them.Paying the monthly fees and the credit card payments. I filed complaints against them for the theft that was happening last May.It was found in my favor for the theft that was being committed against me.So they closed out my file as COMPLETED, BUT HASN'T RELEASED MY CREDIT FILE TO THE BUREAUS IN 10 months. Leaving me without a credit score for the last 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a purchase through a XXXX company on XX/XX/XXXX. The prices are listed in CAD dollars on the website with an option to convert to USD. The purchase was charged in the USD not the CAD equivalent ( {$140.00} CAD was charged as {$140.00} USD ). I reached out to the seller and sent screenshots of the website and how much I was charged. The seller stopped responding. 

I waited till XX/XX/XXXX when the payment was charged to my credit card account and disputed it through the online portal. The portal asked if I had any evidence to upload to the dispute to which I responded yes. The dispute was submitted without an option to upload any documents. I received an acknowledgement email and letter from Bank Of America which provided a mailing address or fax number to upload evidence. I was out of the country and returned on XX/XX/XXXX. I called Bank of America and asked if there a way to upload my email chain to the dispute and was told I need to wait 10 days for an agent to review my dispute to " open '' the online portal to upload my documents. 

Why is it necessary to wait an additional 10 days to upload information I had when the dispute was opened? This process seems unnecessarily long and time consuming. First the consumer needs to wait 10 days for the dispute to be viewed, then upload the documents then wait again for the dispute to be reviewed a second time. This dispute only needed to be viewed once if the portal would allow me to upload the documentation the first time. Having a consumer go into a branch or fax documents is an antiquated system. If my dispute is submitted electronically, I expect to be able to submit the supporting documents for my dispute at the same time. While this wait is going on, the payment amount being disputed has not been refunded. This system is built to protect the bank and the seller, not the 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 monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTIONS SERVICES, INC. has failed to provide necessary request to validate any alleged debt owed to them by the Estate of XXXX XXXX. Not only are they in violation of [ 15 USC 1692g ], they are attempting to do business in a Florida which is a State that they are not licensed to operate which is in violation of [ 15 USC 1692e ] This company has violate consumer law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
BERLIN WHEELER INC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM.

ALSO STATED : BERLIN WHEELER INXXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX. 

BERLIN WHEELER INC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES.

FURTHER STATED : BERLIN WHEELER , INC FURNISHED THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, AND DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ].

ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), BERLIN WHEELER , INC. HAS BEEN SUED SEVEN PLUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. 

THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.

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 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I have had the mortgage on my home for 18+ years. My mortgage was sold to SPS with a balance of {$80000.00} and still owe {$77000.00} and have no equity in my home. When I contacted SPS servicing, they didn't understand what my concern was and were of no help. 

I am a XXXX XXXX XXXX female that is XXXX American and I feel that my mortgage company is taking advantage of me because of my race and my age. 

There is no way that I am paying on a Mortgage for as long as I have and only have {$2000.00} in equity. When I did speak to someone at SPS, they told me my mortgage would be paid off in the year XXXX. How is this even possible when I only did a 30 year mortgage in XXXX??? 

I need someone to assist in finding out what this company is doing with my money every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
In or around XX/XX/XXXX I sent a formal dispute to Credit Collection Services ( CCS ) for an amount of {$200.00}, they have never verified or shown any proof of any contract I have or had with them or to pay them. They are trying to collect a debt and put a debt on one of my credit reports, thus violating the FDCPA and the FCRA. CCS continues to respond with bills to " settle '' the debt that is not owed to them and solicited me. Their practices are ridiculous. I sent another letter in XX/XX/XXXX further informing CCS they have failed to verify the account was not sold to them and or any contract with my signature binding me to pay them for the alleged debt. I have a receipt CCS signed for my letter on XXXX XXXX, XXXX. They can not provide any documentation proving I legally owe them this debt. CCS is in violation of Defamation and violations of FCRA and FDCPA. The attached documents are of CCS soliciting me with discounted rates and further validating that i do not owe them. My dispute letter is also attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TN

Complaint narrative:
In XXXX XXXX I went into the hospital for XXXX XXXX XXXX. I was in for 4-5 days.I got out of the hospital and within 2 weeks I collapsed with XXXX at a urgent care center. I was diagnosed with XXXX and was ambulanced to the local hospital. I was in emergency for 2 days and a room for 2 days. With all of this happening to me, my spouse also had contracted XXXX. When I came home on the XXXX of XXXX because of my XXXX about not being late on bills we contacted Discover card and paid the monthly payment of {$55.00}, what was due. The late fee was already in the system and was waved that day. Never missing a payment I was happy. When the bill came for XXXX I see that the {$30.00} late fee was added. A reminder, this payment was due XX/XX/XXXX and I paid XX/XX/XXXX, 3 days late. I called Discover and they told me that the charge had been removed and it would show the next month so I paid what was due, {$55.00}. All of a sudden when I contacted Discover because they had added {$30.00} each month which could never be explained. I have continued to pay {$55.00} each month and they Discover continue to charge a late fee each month on this {$30.00}. As a matter of fact I have chatted with them may times which they say is on record to get explanations. Through all of this I was tempted to cancel this account and the person got irritated with me, ask me if I wanted to cancel and when I did not answer, he cancelled without my knowledge. I was told by Discover that he had no right to do that, I had done nothing wrong but it is still canceled. In addition if you look at the chats you will see that there is another {$20.00} that's been charged for a long time that I was not aware of and they really can't say why. I have been a good customer and am up to date with payments but I will not pay something I do not owe. To date, they are continuing to charge a {$41.00} late fee, still have my account closed and have upped my interest rate since this issue started. There are numerious chats for the record that they have and tell me I can not get a copy of the chats. They have sent emails wanting me to call to assist me with this issue and when I contact them they say they can't assist until I accept the late fees and I will not. FYI, One of the MANAGERS told my wife that if we had not gotten XXXX this probably not have happened. When my wife asked he if she thought this was out fault she said, well you got sick. We are in our XXXX XXXX and this is horrible. I hope you can help. I continue to make my payment each month to this day an the {$41.00} late fees keep adding up. Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief