vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered XXXX certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

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 2024-01-30 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: ID

Complaint narrative:
I was in XXXX  and XXXX  from XX/XX/2022 to XXXX I had about {$2200.00} including the interest charged to my account. I filed a report with the FTC and XXXX XXXX, ID police department.. they accepted my claim/ report.XXXX  CAPITOL ONE denied my claim because of insufficient evidence? I was in XXXX. In my police report, it states that I was incarcerated from XX/XX/XXXX  through XXXX capitol one wouldnt even acknowledge that I had a police report or that i stated that I was XXXX.. they said; well you were still making your payments!!! 
I also got charged {$180.00} for fees and interest charges for 2 of the original charges that got put back onto my account.. the general car insurance and XXXX XXXX.. they said the charges were marked as car insurance and XXXX  XXXX  so they automatically added those charges as fees and interest charges.. and also charged me {$200.00} as purchase adjustments for returned payment that I paid a total of 3times and only had 1 got returned.. theyre stating that 2 got returned 1 on XX/XX/XXXX and 1 on XXXX XXXX the only one that was returned was on the XXXX. I made a payment on the XXXX. Then they charged me {$200.00} 14days later on the XXXX. And saying my payment was returned. When it wasnt. Theyre refusing to acknowledge anything that I say, theyre telling me Im wrong!! And they kept interrupting me and telling me that Im wrong and that any evidence that I have to support my case. Is irrelevant and does not matter. So I want {$2500.00} credited back onto my account. Because of the contract I signed agreeing to there 0 % liability PROMISE on ALL unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: WELLS FARGO & COMPANY
State: FL

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 an account without my written instructions.

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 furnishes 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 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
My wife and I recently purchased a new home in XX/XX/XXXX. We paid a large downpayment and closing costs. We then listed our old house for sale. Upon advisement from our relator and lending institution, the goal was to take the money we made from the sale of our old house and re-forecast the loan in order to get the payments lower. Our original loan was sold to Specialized Loan Servicing with our first payment due in XX/XX/XXXX. We made that payment on schedule and we sold our old house and closed on it a couple of weeks ago. We waited the five days that our bank required on the check and after it was ok, today, XXXX, I contacted SLS to see what we needed to do to re-forecast our loan and pay {$150000.00} today. After multiple attempts, cut offs and menu after menu, I finally got hold of a person, her name was XXXX. Possibly one of the rudest humans I've ever talked to. I explained to her what I was wanting to do and she transferred me to XXXX. I then explained to XXXX, what I wanted to do. He told me because they just recently bought our loan on XX/XX/XXXX, they could not do a re-forecast for 90 days, which put us in XXXX, according to him. That means we will have to make 2 or 3 months payments of {$2000.00}, before we can re-forecast. Why can't a person, who pays their bills and has a large amount of money, get their mortgage payments lowered in a timely manner? and, add to that, after talking with XXXX and XXXX, I don't have a lot of confidence that they will help me and my wife accomplish our goal of lowering our payments in XXXX and we defiantly do not want to go thru refinancing and additional closing cost.

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 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2024-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
The area was hit by a hurricane and declared a natural disaster area XXXX. A disaster loan modification was requested and servicer refused to process requests. After being denied that request to have modification under VA waterfall was requested and that was denied. I asked servicer why I wasn't being considered for the applicable modification and did not receive a response. The servicer stated they need a complete modification application which was not required under the VA waterfall and even after submitting all required documents the package continues to be denied without a clear reason and conflicting information. Once staff said over XXXX documents have already been submitted which were specifically submitted and gone over with mitigation staff but remains incomplete per underwriting. A letter was received that the package was complete and the same day the status was removed. This servicer has various lawsuits for this practice and continues to business as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: AZ

Complaint narrative:
I found out online that I am a victim of Equifax data BREACH settlement, I've tried to get my credit report and show proof that I have tried to dispute issues and I can't get it because I would have to send my identity and other forms. I'm left in the dark on this and I need to get my life back on track. 
I can't get any form of financial assistance or even a credit card or store credit. I need my information for the settlement and I can't provide it. Also other settlements going on that I didn't know about that I would be involved in, I want disputed. I've had nothing but problems All my adult life with trying to get my credit good so I can live the American Dream. Please Alert Me when my information is BREACHED hacked sold. This is embarrassing and important it gets taken care of. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the XXXX XXXX card today XX/XX/2024 from Capital One. My first application did not go through since my credit bureaus were frozen. I didnt receive any timely communication from Capital One regarding the freeze so I unfroze my bureaus and applied again. My application was declined because they said I had my first application pending. I called to re-submit the first application and then that one was also denied saying the reason for the declination was that I had submitted a second application. Both declination letters offered no actual reason why I was declined the card aside from each mentioning the other letter. I tried calling and had no success with anyone taking the time to properly review my application and ultimately was declined and received no help due to a technical issue, not on the merit of my credit score. Its complete XXXX and I do feel discriminated against since I was not provided ANY decision criteria based on my credit history alone. They advised me to try again in a few days which is also an incorrect procedure since a rep told me that any applications received within 6 months of each other would immediately get declined. All I want is a formal decision based my credit history which is EXEMPLARY since I have never been late on a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: VA

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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: WV

Complaint narrative:
I finished paying off this consolidated student loan back in XXXX XXXX XXXX! I have documentation from them showing this as well! They now are saying that I still owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened up an account with synchrony Bank for XXXX XXXX to purchase furniture. I was making all of the payments on time and actually paying over and they closed the account. No warning no information sent just close the account now theres a collection agency calling that wont provide any information called 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 2024-01-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2023 a letter was sent to Equifax to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing about my Citi Aadvantage Platinum Select Card. Their customer service number is XXXX. 

I noticed that each month my credit card bill included a high interest charge even though I pay my bill down by the amount shown on the bill each month. 

For example, yesterday ( XX/XX/24 ) I paid {$19000.00} towards my current bill of {$18000.00} which is not even due until XX/XX/24. As a result, my account home page shows no payment is due. It shows a balance of {$1500.00} but those are charges that have been incurred after the current billing period. 

I asked that since my current bill has been paid in full should I expect interest charges on my next bill. And they said " yes, until you have a XXXX balance. '' How can I be charged interest on charges that haven't even been sent to me in a bill and while my account home page clearly says no payment is due? I wouldn't even know those charges existed if I only got paper bills. This is crazy. 

At the every least this is intentionally deceptive business practices and at the most there's go to be something illegal here. 

I was never given an answer when I called them. The call lasted XXXX minutes, XXXX of which I was on hold and then the call was disconnected ( not by me ). 

I would like any interest that I have paid be returned to me and for their business practices to be more transparent and clear. 

Thank you,

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 2024-01-30 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: 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.

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 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Called me, while I was at work, XX/XX/24. After I didnt answer they proceeded to call my father. When I called today, XX/XX/24, she said if I didnt pay in full within a week or so ( which she told me a different amount than what my insurance and bills were saying ) she would be sending it for credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
My Credit card account with Capital One was closed and charged off by them in XXXX of XXXX. They update the status to seem like it was charged off just this month ( over XXXX  years later ) and do so every month. The statute of limitations for this debt has expired but the company continues to lower my score each month by re reporting the last date of activity to be the prior month in order to reset the clock on an old debt. The last activity in this account was XX/XX/XXXX ( over XXXX  years ago ) and no activity occurred after that aside from them closing the account and charging it off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX  XXXX alerted me of a negative addition to my credit report that dropped my score over XXXX points. ( i have perfect credit, no late payments or charge offs ect. ) When i investigated this it was a collection company MRS BPO the original debt was to XXXX XXXX  a cell phone company opened XX/XX/XXXX for an amount of {$340.00}. With a cell number of ( XXXX ) XXXX that is a Michigan area code, i live in XXXX and have never had business with XXXX and i have had the same cell company for over XXXX  years! I was never contacted by XXXX nor the collection company just found it on my credit report. The credit collector had only a small amount of info and was told to contact XXXX but was never able to speak to a person only a bit on line, so i filed a dispute with XXXX and the other XXXX companies XXXX XXXX and XXXX to get some results and answers, my perfect credit is being ruined by this debt collector and XXXX and i want it removed this is not my debt, i have never used or done business with XXXX and do not have a cell phone from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Sent a Remittance Notice of payment to AMERICAN EXPRESS for my credit card bill Havent received a response as to the status of my account update.

Company response to consumer: Closed with explanation