vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: LA

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 : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/24 My regular payment was made via XXXX XXXX XX/XX/24 I went online and paid off the card using the current balance not the statement balance of {$390.00}. At that time I removed the auto payments. 
I received a notice that the account was paid and closed On Saturday XX/XX/24 I received a statement notice that my account was past due and I now owed {$34.00}. This is a late fee and interest. 
How can you charge interest and late fees on a closed account? 
I called customer service and they said there is nothing they can do on a closed account. This is a XXXX card, XXXX  is a now closed company and the bank Comenity Capital Bank that is now handling their close out is not handling things very well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDENCE RESOURCE MANAGE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I believe FCRA XXXX mandates the removal of any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts contain inaccuracies, which is causing me concern.

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 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Purchased glasses from a XXXX company ( XXXX XXXX XXXX ) through PayPal. Started a dispute with them in XXXX through my bank to get money back being that it was debited from a wrong account. When I received glasses from XXXX from XXXX the lenses was not made properly and was told by XXXX to break glasses and send pictures if smashed glasses. I did. Still have not received refund from XXXX or PayPal and has been three months. Every time I call Paypal get a different response with nthing happening. I have smashed glasses and no money refund from either XXXX or PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2024-03-18 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: TX

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.

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 non-monetary relief
Consumer complaint received 2024-03-18 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: NJ

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.

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 2024-03-18 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$900.00} on the store XXXX XXXX For home computer networking equipment, I later returned this order back to the company in new condition because i changed my mind and wanted to use a different product. 

After my order was returned back to the company they did not refund me and whenever i would reach out they said they can see the order was delivered back to them and it still needed to be processed. But they did not ever process it. In their email it says Your return will be processed within one week of when we receive it, and a refund will be sent to your credit card once your return has been processed. 

I contacted my credit card company Capital one on XX/XX/XXXX to start a dispute and gave them the return tracking and conversations i had with the XXXX company. they gave me a temporary credit that they later on XX/XX/XXXX reversed and recharged me the original {$900.00} without any communications and did not ask me for any more info or keep me updated at all in this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-18 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I am filing an official complaint in regard to the student loan servicer MOHELA, as I received a payoff letter online, which included interest, and paid off the loan in full for {$120000.00} on XXXX The average interest on my student loans was 7.080 %. This payment was made the same business day, but when I checked my account this morning, I owed XXXX XXXX on the principal and XXXX in interest, totaling owing XXXXXXXX XXXX on my account as of today, XX/XX/XXXX. 

I believe this is unlawful and unjust, as they did not honor my payoff letter amount from XX/XX/XXXX, and my payment in full, which included my interest at that time. I went and paid the XXXX XXXX  to completely pay off the loan, but was told over the phone this morning that any interest accrued would be written off, as the loan was paid off. I asked why the interest wasn't forgiven and my payoff letter wasn't honored on my last payment, and was not given an answer on this except that interest accrues daily. I am a customer of MOHELA and had various student loans with them since they were transferred, as I was a part of their PLSF program. I always made payments on time and have never missed a payment. I was with XXXX XXXX and XXXX previously. This harms the entirety of the student loan payment system, as a customer is not being honored with their payoff letter ( and someone that actually paid off their student loans ), and then having almost 100 % interest on the XXXX XXXX I still " owed '' to them on my account. If student loan borrowers keep trying to pay off a loan in full, and it keeps accruing interest on the loan as we make the payment, how is anyone supposed to pay the loan off in total? 

I wanted to make this complaint against the company and will be seeking information with a lawyer regarding this matter as well, as I am sure I am not the only one that has dealt with this. I am aware that there was a class action lawsuit towards MOHELA as of XXXX XXXX  regarding the PLSF program, but I wanted to send my complaint that this student loan servicer is harmful towards the industry, customers, and violates the antitrust laws with unlawful predatory pricing with charging interest when they did not honor the payoff statement. Also on the XXXX XXXX I was charged interest for the before payoff amount. XXXXXXXX XXXX  interest on XXXXXXXX XXXX is not 7.080 % interest. I have also filed complaints with the U.S. Dept. of Education, the Federal Trade Commission, and the office of Federal Student Aid. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Global Lending Services LLC
State: GA

Complaint narrative:
On XXXX, XXXX XXXX I sent Global Lending Services a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( GLOBAL LENDING SERVICES ) Making the report is NOT INCLUDED on my Consumer report!

Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 360 XX/XX/XXXX, called to close account. Was told check would arrive within 10 days. 
XX/XX/XXXX, received letter that account was closed, no check. 
Called XX/XX/XXXX, was told that they would cancel check/reissue, and to not deposit the 1st check when arrived. 2nd check would arrive within 10 days. 
It's now XX/XX/XXXX and neither the first nor the 2nd check have arrived. 
Have been calling the customer service number for days. I can not get through the auto-system, at some point it tells me it can't understand my input and to try again later. I've tried from 3 phones in multiple locations, same result. I can not get to a human any way I try, every chain I try to go through in the auto system eventually wants a description or a number that they will not " hear, '' even if I'm entering it via my keypad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Nothing was taken due to never been to this location, also they posted with the wrong name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Payment was supposed to be taken out with automatic pay with debt card. Wasn, t aware of the balance ( {$61.00} ) until after I left the company. Wasn't able to pay balance until I found new job. I was told from a customer service Rep that I was ok to pay whenever. I wasn't aware of time sensitive. Amount owed is Paid in Full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: WY

Complaint narrative:
In XX/XX/2023, our suburb was hit by a major hail storm, resulting in considerable damage to our house, including broken windows. We proceeded through the process of having the insurance adjuster come and assess the damage. In XXXX, we submitted the insurance check to Flagstar Bank 's Insurance Claim Check processing center. Since then, we have been unable to get them to release our insurance check so we can proceed with housing repairs. Every time we call the Insurance Claim Check center for Flagstar Bank, we are told they can not accept the contractor 's W9, citing there is a discrepancy between the contractor 's W9 and the IRS. However, the contractor says they are wrong and the W9 he has provided more than five times is correct. We can not get the insurance claim center to tell us what they see as the discrepancy. This issue has now been going on for six months and we can not achieve resolution. They still have our insurance check, and we continue to endure winter conditions with broken windows covered in cardboard in an effort to block the cold Wyoming winter weather from coming into our house. This has also resulted in substantially higher heating bills trying to keep rooms warm. We need the Insurance Claim Check processing center to get our insurance check released immediately so we can proceed with getting repairs to our home completed.

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