vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
According to 15 USC 1681 XXXX XXXX XXXX XXXX violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 A ( 2 ) states I have a right to privacy.

15 USC 1681 604 A ( 2 ) states consumer reporting agency can not furnish an account without written instructions.

15 USC 1681 605 ( A ) ( 5 ) states no consumer report can contain any of the following items of information : adverse items of information.

15 USC 1681 A ( 2 ) states that late payment reporting is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CORPORATION CAPITAL ONE was sent a copy of the Consumers status change and then they closed the account without notice, which made the Consumers credit score plummeted XXXX points on the XXXX, XXXX and XXXX. When I called to inquire about the account being closed there was not one valid answer from CAPITAL ONES Agent they said the agreement didn't satisfy their way of doing business per XXXX who is the last associate I talked with.Cheyenne said that Agent with the ID of XXXX closed the account on XXXX XXXX XXXX. I have had 2 of my family members call and get a CAPITAL ONE, account and it hasn't been a problem until I sent the proof that the Consumer, XXXX XXXX, has changed her political status and I need full disclosure of the Account. According to 15USC 1681 602A, States I Have the Right to Privacy and I didn't give CAPITAL ONE nor any of the Credit Reporting Agencies the Right to put my Private information in the Public which is 15USC 1861 604A ( 2 ) In accordance with the written instructions of the Consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports.

I am a natural person I am a living human being, I have rights under 1681s2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a Consumer Responsibilities of furnishers of information to A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CAPITAL ONE has reported the negative information so that everybody could see. So I need the CHIEF EXECUTIVE OFFICER XXXX XXXX to provide full disclosure of this account and the wet ink Contract that we both should have signed because that is the full element of a Contract, Also there should be a XXXX on file with the Foreign Agents doing business in the United States for both XXXX and Agent XXXX. see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX XXXX Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I went to XXXX for a free credit score check. They linked me to XXXX, which supposedly is the only way to get this federally mandated service, bar paying a private company.

I've sent them a message but upon closer inspection it seems the one important part that every employer, bank, loaner, etc can access is not available for my own perusal. Now I'm sure this is all a huge mistake and this super sensible rule of not charging us good people once a year to check a fancy number that rules a large part of our life is still in effect. Feel free to contact me for more information. I mean I'm sure you have all the information on me you could ever want. Like my credit score. Gosh how lucky.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the fair credit reporting act Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a payment of {$1500.00} to Capital One Venture card by transfer from my Capital One checking account on XX/XX/XXXX, XXXX.I appears that transfer was accepted and deducted from my balance. I made the exact same transfer of another payment of {$1500.00} from the same checking account on XX/XX/2023. Both payments would have put my account balance below my credit limit. On XXXX XXXX, a small automatic payment was declined because it would put my balance over the limit. 
When I called the bank, they informed me that, because I had to close a previous checking account and open a new one due to fraud, the credit card division was holding the deposit for XXXX business days before making the funds available. I had not been informed of this before. The new checking account was in good standing, and I had deposited the fund into the account in cash. I can't effectively use this card under these conditions. I can not open a new account at this time because the fraud has temporarily affected my credit rating. 

Below is a copy of the email I received : Venture Credit CardXXXX Make a payment to help avoid future declines. 

Hi there, Your {$16.00} purchase at XXXX on XX/XX/XXXX was declined because it would have put you over your {$12000.00} credit limit. 

If you make a payment now, it often will be reflected in your account immediately, but can sometimes take 1-2 days. 

Balance summary Credit limit {$12000.00} Current balance and pending charges {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I paid off my mortgage with United Wholesale Mortgage in XX/XX/XXXX. United Wholesale Mortgage failed to provide me with the original note and deed of trust. I mailed a Notice of Error to United Wholesale Mortgage in XX/XX/XXXX asking for the original note and deed of trust. United Wholesale Mortgage still has not provided me with the original note and deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX XXXX Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX II Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am getting sick and tired of overstock taking credit away from me. I'm trying to build my credit by building credit on my account. It's always when i build up credit over {$200.00} is when they decide to decrease my credit. I'm not even applying for credit. They make this excuse that every few months they run a credit review. I have had many credit cards and none of them have done to me what commenity bank is doing to me. Then I'm left without all the credit i saved up for the past 6 months and left with barely any credit at all to spend. My account is current with them. I am being treated very unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a credit card from CapitalOne that I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter to Transworld Systems Inc, regarding an inaccurate debt that they claim I owe. I asked for validation of this debt, as I do not believe that I owe anything. In addition to that, I also asked that further communication regarding this matter, should be handled via mailed correspondence. 

Since receiving my letter, Transworld Systems Inc has yet to provide any sort of proof of said debt but they also continue to call my phone, repeatedly, from different numbers throughout the day. Transworld Systems Inc calls from different New Jersey area codes, since I have a NJ number, in hopes that I would pick up a call from New Jersey. Clearly this is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and subsequent actions should be taken to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
CREDIT CORP SOLUTIONS claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and CREDIT CORP SOLUTIONS is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the account CREDIT CORP SOLUTIONS XXXXfor inaccuracy, because this account doesnt belong to me, the original creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. I never had an account with CREDIT CORP SOLUTIONS and you are in violation of my rights. Delete this account immediately. CREDIT CORP SOLUTIONS has violated my rights numerous times 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 states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
my account ( # XXXX ) with NetCredit was paid off through an agreement with XXXX XXXX XXXX. In reviewing my NetCredit Account History, the initial loan amount was {$5100.00} on XX/XX/XXXX. To date, I've repaid {$11000.00}, of which only {$1100.00} applied to the principal. In XX/XX/XXXX, through an agreement with XXXX XXXX, Net credit accepted a payoff balance of {$4800.00}, with a monthly payment of {$220.00} per month. XXXX XXXX XXXX, have informed me that my loan is now paid in full as of XX/XX/XXXX. The final payment of XXXX was posted on XX/XX/XXXX, to my NetCredit account. However, my account is still showing a balance of {$3900.00}. Not only is this paid off NetCredit continues to raise the reported balance on my credit report. This company continued to report false information on my credit report and refuses to remove it. It is reporting that I have been past due for over 180 days on this account for the last 24 months. This is impossible because they agreed to accept a monthly payment that was never late. I would like this account removed from my credit reports immediately. 
On XX/XX/XXXX, I reached out to NetCredit to resolve the discrepancies and misinformation in my account. They responded, " Thank you for contacting NetCredit. 
In response to your recent email, it is very important that we speak to you. Please call the Collections Team for further assistance with questions regarding your account. While I have noted your account, collection procedures will continue until an acceptable payment arrangement has been made ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX I noticed of several fraudulent transactions to my Cash.app account I called them immediately and requested the transaction cancelled or reversed because of fraud and blocked my account from all card transactions All of them where reversed outside of a XXXX transaction with XXXX XXXX XXXX 

I requested the documents used to make the decision and they sent me a transcript of the transaction claiming my claim is denied because I made the transaction. 

This is not correct. I did not do this transaction I have called every week for two months letting them know that my card was stolen and I did not authorize this transaction There was no signature requested by merchant or pin capture.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: SC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I wasn't notified by " Phoenix Financial Services '' OR " XXXX XXXX XXXX  ''. On or about XXXX XXXX alerted me of the accusations. 
I disputed XXXX, but the Derogatory accusation remains on my report. I don't know who Phoenix... or XXXX... are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We've had Wells Fargo as our mortgage company for many years. In the beginning, we had money in escrow for our taxes. We had our mortgage go up every year and they kept saying it was the taxes going up. We refinanced maybe 15-20 years ago with them and found out that they paid our taxes at the end of the year, which made us incurre the late penalty. I told them this was not right to do since money was in escrow. They said this was their practice to do so. We refinanced and had them take out the taxes so we would pay them early. Our mortgage rate never went up because of taxes again. Was there any recourse for them to pay us back all those late fees on our taxes? As soon as we received the tax bill we mailed it in to them the next day or so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I never moved here this is identity theft. This is what my credit report is stating. 
XX/XX/XXXX XXXX XXXX account. {$3800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3800.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
XX/XX/2023 Home Point Financial Corporation sent me a forced Placed flood insurance letter stating they wanted me to purchase flood insurance for my home in the amount of {$270000.00} which is more than the legal maximum amount possible for a residential home in Florida. After I purchased the maximum of {$250000.00} and both my insurance agent an I each sent then proof or coverage via fax and on the web site for {$250000.00}, the maximum, Home point is still refusing to admit I have the coverage and is forcing Lender placed coverage on me in the amount of {$13000.00}. Please assist in upholding the law and stopping them from fraudulently collecting money they are not entitled to.

Company response to consumer: Closed with explanation