vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Subject : Urgent Complaint Regarding Denied Claims and Lack of Bank of America XXXX XXXX XXXX XXXX Following my previous complaints I received a email from which seems to be a bogus department called regulatory complaints department. You can never reach a real human and you never get a response. I dont know what to do besides to keep filling complaints and pray something gets done about this so I am writing this complaint to express my extreme frustration with the handling of my recent claims. Despite providing all necessary documentation, including police reports and identity theft records, my claims have been consistently denied without any valid explanation. The automated responses and lack of human communication have left me feeling helpless and unheard. 

I kindly request a thorough review of my case and a reconsideration of the denied claims. It is essential that I receive the resolution I deserve promptly. The constant repetition of the same denial message is unacceptable, and I urge you to take immediate action to rectify this situation. 

Please provide clear evidence and explanations for the denials, as well as a direct point of contact for further communication. I expect a timely response and a fair resolution. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-06-30 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: ME

Complaint narrative:
Collector emails multiple times a day and has threatened to sue. Collector has not sent enough verification to validate debt. Collector has incorrect address. Collector is attempting to collect a debt that was due to theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
You are required by FCRA 605B to delete any wrongly reported accounts from my credit report. Please check the documents, as some accounts have incorrect reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/2024 Dear XXXX, After viewing a copy of my credit report, I noticed an account placed on my credit from XXXX, account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any vehicle purchase made from and resulting in a debt owed to this merchant and I am seeking the original bill of sale, purchase contract and vehicle registration with my signature showing to which I owned this vehicle, and this debt. 
Therefore, this is my request for validation of debt. 

Please provide the original bill of sale and purchase contract showing my signature. 
Provide a copy of the consumer loan agreement, with my signature clear and legible, from the original creditor BB & T account number # XXXX, that shows I applied for and was approved for this vehicle loan. 
Provide a copy of the vehicle registration and title upon initial sale and payoff. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. I request full documentation of what you received from the creditor in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. 

Sincerely, 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 2024-06-30 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
I am hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
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 non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES THAT CONSUMER REPORT AGIENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES THAT CONSUMER REPORT AGIENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

CREDITOR XXXX XXXX XXXXXXXX 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the significant impact that XXXX XXXX XXXX actions have had on my personal credit profile. Specifically, XXXX XXXX XXXX reporting late payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has severely affected my ability to refinance. 

According to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between me, the consumer, and your company, the entity making the report. The late payments you've reported are part of my payment history and are inherently tied to the transactions and experiences between your company and me. Consequently, these late payments have negatively impacted my consumer report. 

Moreover, I reached out to XXXX XXXX XXXX via email on XX/XX/XXXX, to address this issue, but I received no response or action from XXXX XXXX. About the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.

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 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I asked them for a verification and validation of the debt, I asked them if they had a license to collect in Florida, I asked them to stop calling, they keep calling, they call even late at night ( XXXX ) and they tried to contact my mother who did not It has nothing to do with it. They have not respected any of this and they responded to me with a paper that says that they bought the debt and they do not explain or verify it, much less respond with what was requested in the letter I sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: NM

Complaint narrative:
Original loan XX/XX/XXXX, refinanced 5/24.current loan XXXX. The loan terms indicate 160.08 % interest rate. 

A personal advisor brought the following to my attention : On XX/XX/XXXX, House Bill 132 went into effect enacting a 36 % annual percentage rate ( APR ) cap on loans up to {$10000.00} made under the New Mexico Bank Installment Loan Act of XXXX and the New Mexico Small Loan Act ( SLA ). 

It appears the lender is charging wellin excess of the legal interest rate for XXXX. If correct I would like the lender to offer appropriate adjustments/ corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: WV

Complaint narrative:
XX/XX/XXXX bought a XXXX XXXX XXXX XXXX from Harley Davidson of West Virginia. It was a Friday night my bank was closed already. The dealer talked us into going ahead a financing thru Harley Davidson even though their interest rate at the time was 14.14 % even after he had checked my credit score and saw that I had a XXXX and told us that it was the rate HD was offering at that time and that on Monday morning when my bank opened we would be able to refinance with them. My bank has informed me that they were not able to finance because XXXX value was well below the amount they had charged us. XXXX value was {$28000.00} and our Bill of sale was for {$43000.00}. 
We had found from XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX after calling and trying to get them to refinance had told us that they don't refinance their own loans and had fired the manager and the person who did the Financing paperwork. I called HD of West Virginia talked to the new manager explained the situation about the XXXX value issue they worked up a new bill of sale added additional parts to the bill of sale that were on the bike to try to get the value of the bike higher so my bank would refinance for us, it didn't help. We have been making every payment of {$810.00} every month since XX/XX/XXXX. Hoping to eventually be able to refinance, it has been a slight struggle making ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX  claims the internet equipment was never returned to them after the service was canceled in XX/XX/XXXX. Any notice was not received prior to opening a collections account for {$110.00}. I was notified of the miscommunication when it was reported to the XXXX and other credit bureaus in late XXXX. 
It was instantly disputed with XXXX with photo evidence of the XXXX receipt. It was overturned and removed from my XXXX credit report. Unfortunately, I did not dispute with XXXX and XXXX at the time since I dont regularly check those credit reports. 
I no longer have the receipt from XXXX but XXXX has documentation archived from the dispute per a conversation with XXXX customer service on XXXX  XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting 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 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need Reference # XXXX and Reference # XXXX and for claim number XXXX for {$150.00} and for claim number {$150.00} XXXX I need it to be reopen or reinvestigated or investigate or make into a new dispute and investigate again or give me one-time credit for it for both payments for {$150.00} for a total of {$300.00} with any other fees need to be credit back to my account because I have withdraw {$50.00} for both payments not {$150.00} for both of them My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username 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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MO

Complaint narrative:
XX/XX/XXXXMay 3 - Submitted Dispute due to XXXX order never arriving and XXXX refusing to help. They basically told me that my only option was to make a dispute which I did.

XXXX XXXX - Call Credit Karma XXXX asking about status of dispute and wanting to speak to a supervisor. They said I had to wait 90 days or for them to do whatever they want. Never got a call back from them.

XXXX XXXX - Few days later the claim was denied because there was no error. Literally the reason why it was denied was because there was no error it says that on the document.

XXXX XXXX  - Called again for help they said they can't help. No one else to talk to dispute department is email only I have to wait another XXXX hours for a so-called supervisor to call me that I will not receive a call from again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
I have been trying to work with this company from the beginning. I bought a home through a local dealership, and it has been a nightmare from the start. Approximately XX/XX/XXXX I received a call from an agent that worked at the dealership calling asking what day I want to set my payments up for each month, I stated the XXXX of each month. I was under the impression that my payment would be starting XX/XX/XXXX being that we had not moved in the house and it was not fully set up yet. I received a call on XX/XX/XXXX from the mortgage calling to process a payment. I explained the entire situation to XXXX XXXX she was the finical counselor at the time she had a very nasty attitude. She brought her supervisor I believe on the line, and she explained that it's nothing they could do because the loan was already signed, and they expect a payment after a certain amount of time of the loan being signed which is unfair. So, after going back and forth with them she proceeded to say they can move the due date to the XXXX of XXXX going forward it will be due on the XXXX of each month, and I explained the XXXX is not a good time for me to pay being that I had other obligations due around that time. I have been treated bad by this company, there is no fairness within the company. My loan information has been shared with someone who did not have permission from me to speak on my behalf or get information about this loan. The information was then talked about with others which has been so embarrassing. To fast forward I went to make a payment Friday, Saturday and today XX/XX/XXXX and I have been blocked from making a payment online and via XXXX telephone which will cause my account to report as XXXX  days late on my credit and I take pride in maintaining a no XXXX  day late reporting on my credit because a XXXX  day late reporting can damage your credit rating with other lenders and my result in the closing or lower of your other account limits. This company has made threats, and I was informed by one agent that they are not the bank they borrowed money from a company and have to pay them back. I have been treated very poorly by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This account can not be reported as a charge off on my credit report. You have commented that the account has been written off and i have received a XXXX Form for this account. You are STILL reporting this account MONTHLY as a CHARGE OFF which is also illegally re-aging this account with each consumer reporting agency. According to the IRS and FCRA, Please cease the reporting and delete this account. 
Account - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Remove these inquiries, please. I am not informed about this, and the company carried out this action without my approval.

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 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been trying to request the application of SCRA benefits to XXXX closed Synchrony Bank accounts. I sent Synchrony a letter on XX/XX/year>, I called them numerous amounts of times and they gave me a phone number which was supposed to be the department that could help me, and it ended up being a spam phone number. Though these XXXX accounts are closed, I am able to receive the SCRA benefits for them due to my husband being an XXXX XXXX XXXX in the 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 2024-06-30 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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