vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: GA

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a message to Freedom Mortgage requesting that the PMI on my mortgage be removed since I had just an appraisal completed in XX/XX/XXXX. The LTV of my property was well below the required 80 % then and they refused to remove the PMI, stating that the appraisal was not enough, and I needed to pay another {$150.00} for a " XXXX '' to prove the value of my property, just two months after the appraisal was complete. Fast forward to XXXX, same scenario, I had second {$400.00} Freedom acquired appraisal completed XX/XX/XXXX, in XXXX I requested the PMI to be removed ( WAY below 80 % ) again, they refused. One of their " customer service reps '' even went to the extent to tell me I was lying, and no such appraisal existed, and Freedom had no copy of appraisals on file, but the appraisals have Freedom 's information listed as the requester. In XX/XX/XXXX, I located the email addresses for some " higher ups ' in the company and sent them a friendly email to explain the past two years to them and funny thing, I got a call the next morning and finally XX/XX/XXXX no PMI on my mortgage statement/payments. However, that still does not resolve the past TWO YEARS of unnecessary PMI payments ( XXXX XXXX XXXX ) that I've been forced to pay when I shouldn't have had to pay those! I've continued to message Freedom Mortgage in reference to this to try to resolve this issue only to repeatedly receive a generic message " thank you for contacting blah, blah, blah further research is required '' XXXX. They know this is a violation of the HPA/PMI Act and they could care less. My question is, how many other customers are they doing the same thing to?

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: NE

Complaint narrative:
I have received XXXX calls from this company. 3 times I have spoken to them and denied this is my debt. 
XXXX. They are using my maiden name. This has not been my legal name for XXXXXXXX XXXX XXXX. All they have connecting me to this debt is my maiden name. My " name '' is not that unusual. 
XXXX. They have asked if my last XXXX matched who they're looking for. It does not. 
XXXX. They have asked if my birth date matches who they're looking for. It does not. 
XXXX. They have assured me that I will not be bothered again. 
XXXX. They bother me AGAIN.

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Complaint XXXX regarding my Capital One Earned Benefits was previously submitted and ignored by Capital One. Instead, Capital One responded to a separate issue filed with the XXXX that they refused to approve my agent 's valid POA despite all original and additional subsequent roadblock requirements being met. The additional " requirement '' of my agent 's drivers license was provided through the XXXX 

My CFPB complaint is : Because of a documented medical issue, I began having issues paying my Capital One Credit card bills on time and in full in XXXX. By XX/XX/XXXX I had almost maxed out both of his cards and had stopped payments. My legal financial agent, discovered the issue in XX/XX/XXXX and he contacted Capital One explaining the situation. We chose to liquidate my assets to pay off the debt in full instead of trying to negotiate a settlement for less. By XX/XX/XXXX, all of my credit card debts were paid in full which included thousands of dollars in fees and interest that had been accumulated at rates above XXXX %. I have earned over XXXX of Capital One benefit points which was the purpose of using that annual fee-based card. My points can be monetized for at least XXXX cents/pt or {$3600.00}. My online account and monthly statements continue to clearly show that I earned and have those benefits, Capital has expressed their intention take that benefit from me and have provided no reasonable justification. They simply state we cant do that. My agent spoke to Capital One agents on several occasions and searched the company website but can find no documentation or justification for forcing a forfeiture of my benefits especially considering the good faith efforts made to pay my debt in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX received money on my behalf through a subsidiary named XXXX from a company for which I do consulting work ( XXXX ) but the money ( {$7000.00} ) was illegally transferred to Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MN

Complaint narrative:
In XXXX of XXXX i noticed i had a bunch of inquiries that i did not authorize or know about and i had a credit card that had been maxed out that i did not authorize or know about. 
So on XX/XX/XXXX i filed a police report for identity theft. Since then I've disputed these accounts XXXX or 4 times but Equifax keeps telling me the accounts have been verified..? How? Because i sure didn't. And it behooves me because Ive sent in the police report with the dispute explaining identity theft. And they seem to just dismiss this fact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXXXXXX - XX/XX/year> :

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Capital One, which I believe is engaging in illegal business operations that defraud customers, particularly those with sub-prime credit ratings. I am XXXX of the victims of this unscrupulous scheme. 

Capital One entices customers with sub-prime credit ratings to apply for secured credit cards, requiring a security deposit to be debited from their accounts. However, once the deposit is received, Capital One frequently closes the customers ' accounts under dubious and unlawful pretexts. They then retain the security deposit for an extended period, allegedly to process and mail it back to the customer. 

This practice allows Capital One to unlawfully accrue significant financial interest on the held deposits, exploiting the customers without incurring any business costs. In the current high-interest-rate environment, the financial impact is considerable. Assuming there are XXXX victims, each with a {$1000.00} deposit, Capital One stands to gain millions of dollars in interest. 

This conduct is not only unethical but also illegal, as it constitutes an unauthorized and illicit means for financial institutions to generate interest income. Such actions are explicitly prohibited under XXXX financial regulations, and it is imperative that the CFPB investigates these practices to hold Capital One accountable. 

I request the CFPB to initiate a thorough investigation into Capital One 's business practices concerning their secured credit card program. The aim should be to uncover and address these illegal activities, ensuring that Capital One ceases to exploit its customers in this manner. The integrity of our financial system depends on the accountability of institutions, and it is crucial that consumer protection laws are enforced without bias toward large corporations. 

Please do not shield the financial giant while leaving the citizens they exploit to suffer. Your immediate and decisive action is needed to protect consumers and uphold the rule of law. 

Thank you for your attention to this urgent matter. I am available to provide any further information or testimony required to support this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I submitted a dispute on XX/XX/2024 for a collection account on my credit, from Credit Acceptance Corporation. I disputed this because the information they had on file, was not accurate. 
I have not heard anything in regards to the dispute. I have since, updated all of my information with the company, so they have all accurate info. The dispute is still pending XXXX months later.

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 2024-07-10 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: CA

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding Debt Recovery Solutions LLC, specifically regarding their unauthorized debt collection activities in the state of Ohio. According to the Nationwide Multistate Licensing System ( NMLS ), as of XX/XX/XXXX, Debt Recovery Solutions LLC ( NMLS ID : XXXX ) is not licensed to collect debt in Ohio. 

During my attempts to verify Debt Recovery Solutions LLC 's licensing status, I spoke with a representative, on XX/XX/XXXX, and expressed my intent to confirm their NMLS ID before paying the debt. Despite my efforts, the representative provided an ID number ( XXXX ) which did not yield any results on the NMLS website. 

Under Ohio law, debt collectors must adhere to state regulations and obtain the necessary licenses to operate legally within the state. Operating without the required license is a clear violation of state law.

I have formally submitted this complaint to you to investigate this matter thoroughly. I intend to also report this issue to the Ohio Department of Commerce and the Ohio Attorney General 's office for further investigation and appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I found errors on my credit report showing unpaid loans, leading to my car loan application being denied.

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 2024-07-10 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: AL

Complaint narrative:
To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account 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 2024-07-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon review, I discovered these late payment notations, which I dispute. I sent correspondence about this issue over 30 days ago but have received no response, nor has adequate validation been provided as required by law. I request your intervention to resolve this matter promptly.

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 2024-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I have a Fortiva XXXX XXXX credit card. Fortiva announced that it will charge an annual fee beginning XX/XX/XXXX. Not wanting to pay said fee, I wanted to pay off my balance and cancel my card. The phone numbers provided by Fortivas webpage and emails are not functioning numbers. Emails continue to go unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
My mortgage service company, XXXX XXXX XXXX, transferred my home mortgage to another servicing company, Shellpoint Mortgage Servicing. I received letters from Shellpoint stating this would be an easy process and didn't need to do anything re : bank routing # 's etc. 

At this time I paid my XXXX mortgage payment to XXXX XXXX XXXX on XX/XX/year> with a direct payment from my checking account. I have sent Shellpoint a proof of payment confirmation from my bank. 

Shellpoint has called me 4 times to say that I am behind in my payments. The first call was from " XXXX '' and I explained the payment was made to XXXX XXXX XXXX, and she told that would be ok, they just hadn't received the funds from XXXX. There were three more phone calls after that, stating I was delinquent. I go through the whole story and they tell me that they have noted that on the account. If that is true, why are they still calling me? 

I tried calling XXXX XXXX and everything gets directed to Shellpoint. I have called Shellpoint but am unable to ever get through due to " high volume '' of phone calls. I have emailed Shellpoint and am still waiting on a response. Today is XX/XX/year> and nothing has been resolved, nor can I get through to either servicing company via a phone call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc.
State: MD

Complaint narrative:
Ive been making payments for almost a year from a prepaid card. After calling the company and explaining their system constantly rejecting my form of payments they informed me they are now only accepting cards from majors banks.which I dont have. They are continuously reporting payments as late on my credit which its not because they changed their payment policy and didnt me.

Company response to consumer: Closed with explanation