vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX is billing me for false charges.in XX/XX/2022 I moved and contacted XXXX They told me they do not provide service to my new address. Therefore upon moving I paid my last cable bill and turned in all equipment.when I turned in equipment XXXX office told me I was paid up and account was good. Sometime later XXXX mails me letter saying because I terminated service I owe them a fee for cancellation. It was never informed there would be a fee for ending service. Additionally as I mentioned they could not provide me service in new location or I would have continued service.also this is not fair that they can send their false charges to a collection agency and because they say so it appears on my credit report and effects my credit. Where are my rights. XXXX can bully customers and are determined believable and a good customer like my self appears to have no rights and credit bureau just assumes XXXX is right and I am wrong.I thought you are innocent until proven guilty.what have they proved.they can send a bill and customers are expected to pay without any rights to disagree. Please review and provide a response

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 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Are starting in XXXX I received a Robo calls from Genesis FS card services every day multiple calls a day Im attaching screenshots below of the year phone calls that Ive been left almost every day from different numbers via a Robo dialer that left voicemails I told them I would call them when I was not at work I told him I can not talk when Im at work because I work in XXXX yet they continued to allow their auto dialer call me multiple times a day upwards of 50 times a week at one point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My rights were violated by Experian and I demand the inquiries be removed from my credit report as they are causing my life harm. 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 consent. 15 U.S.C. 1681a-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 2022-10-15 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I purchased a XXXX from XXXX on my XXXX XXXX XXXX. On XX/XX/XXXX, the purchase was shipped in two separate transactions and charged to reflect amounts of {$590.00} and {$63.00} equaling {$650.00}. I purchased another XXXX from XXXX on XX/XX/2022 which was paid in full upon next payment due date. 

I called Amex customer service to use Membership Rewards points for the purchases on XX/XX/2022. Unfortunately, the representative mistakenly applied the points redemption to my XXXX  card XXXX. I called Amex customer service again to correct their error. 

On XX/XX/2022 the error was corrected, however, Amex had missed my statement cut date of XX/XX/XXXX, so my balance due was over by {$650.00}. I asked Amex customer service to correct this and lower payment due which they did, also on XX/XX/2022. 

With that, I believed the case to be closed. As we have the XXXX purchase, an adjustment credit in moving the XXXX  credit to the XXXX, an adjustment debit on the XXXX, and adjustment credit on the XXXX. Leaving two debits and two credits all in the amount of {$650.00}. 

In XX/XX/XXXX, Amex added a charge to my account of {$650.00} indicating an accounting error. I disputed this internally and on XX/XX/XXXX, I received a letter stating they had issued an additional credit on XX/XX/XXXX from a debit occurring XX/XX/XXXX. Unfortunately this leaves out the original XX/XX/XXXX purchase. 

I called Amex customer service again and another dispute was opened. Then in a letter dated XX/XX/XXXX, they stated their charge is still accurate, again failing to reference the original transaction on XX/XX/2022. 

Upon receipt of that letter I called Amex customer service again and that representative was unable to help me. I have now spent countless hours on the phone with Amex representatives including level II and supervisors and Amex refuses to correct their error that was originally caused by their representative misapplying my rewards points to the incorrect card/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is currently reporting a closed account that was paid in full never had any late payments. On XXXX of XXXX, I have a 30 day late payment being reported inaccurately with a balance when this balance has been paid off in full paid directly in the Bank of America bank branch in XXXX XXXX, New Jersey. During Covid which they violated due the deferral I had placed on my credit card at the time they were in violation of the following. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

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 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance to the fair credit reporting privacy act. XXXX account Capital one XXXX has violated my rights. 
15 USC 1681 section 602 States I have the rights to privacy.

15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15 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: EQUIFAX, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX US DEP ED : XXXX, USDOE/XXXX : XXXX, US DEP ED : XXXX XXXX US DEP ED : 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 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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did a thorough investigation on my credit report and seeing and seen Experian was reporting in accurate addresses listed on my personal information. I called to dispute the information that wasnt accurate on my credit report such as the three addresses that I have never seen and I asked for Experian to remove them I send a dispute letter by mail with a copy of my ID, social Security card my insurance card to verify in result the issue wasnt resolved

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i, XXXX XXXX have never applied for credit application or any inquiry with JPMCB. JPMCB is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, consumer report on date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, we filed complaint XXXX XXXX. We have tried to find out what the problem was for two years as we kept getting delinquent notices, please review the prior documentation regarding this case. 
BofA was supposed to make the payments from a BofA escrow account to BofA 's mortgage. After countless phone calls and in person visits and raising this up to supervisors at BofA nothing was resolved. Every month a credit was made from our XXXX account to BofA escrow account on time. It seemed that no one at BofA could help us resolve this issue. 

We decided to cancel the BofA escrow account because of their incompetence in making our payments on time. 

We received a check dated XXXX for closing this escrow account on XXXX. We never found out where a payment was missing since the inception of our mortgage. BofA 's response to our initial complaint through CFPB, was received and there was one sentence that pointed out where the problem was, " Please note, this check included a refund of the payment received in XX/XX/XXXX in the amount of {$1400.00} '' I am an XXXX XXXX and the horror you have put me through since the inception of my mortgage could have been resolved over this two-year period with the countless phone calls visiting branches imploring for help and assistance. 

Please review the letter received.

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 monetary relief
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I sent more than one cease and desist letter to OneMain Financial as well as requests for validation of this alleged debt. I then submitted a complaint and they responded. For some reason my CFPB account wouldn't let me change my password as I forgot it, and I am just now being able to log into my account to respond. I had to resubmit my complaint due to it being closed and once I did the CFPB system rejected the complaint. Thats the reason for the delayed response. I spoke with a CFPB representative and she recommended I submit my response differently so it doesn't get rejected. 

Attached is my response to your response explaining why you are in default, this debt is not valid and I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: EQUIFAX, 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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: NY

Complaint narrative:
In accordance to the fair credit reporting privacy act. XXXX account Self XXXX has violated my rights. 
15 USC 1681 section 602 States I have the rights to privacy.

15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was sick and I missed 2 payments on my loan and with my financial hardship during Covid. I applied for the mortgage assistance program with the Georgia Department of communities Affairs as advised by Select Portfolio. They have start processing my application and I am still waiting because the process may take another 6 to 7 weeks to complete. I called SPS in order for them to enroll me in a forbearance until this process is complete with all my efforts they are refusing and treating to send my home for foreclosure initiation on the XXXX of XXXX XXXX.They are offering a payment plan, but I can not afford it right now because I start working just about 2 weeks now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, XXXX, XXXX and Experian. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with XXXX and Experian.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
my XXXX  XXXX account is not update on my credit reports it hurting my credit

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
my XXXX  XXXX account is not update on my credit reports it hurting my credit

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Going through my credit recently, I seen some addresses that does not belong to me.

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 2022-10-15 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: 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. 

XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, DEPTEDXXXX  : XXXX, US DEP ED : XXXX, USDOEXXXX : XXXX, US DEP ED : XXXX , US DEP ED : 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 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 2022-10-15 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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX : XXXX, DEPTEDXXXX : XXXX, US DEP ED : XXXX, USDOE/XXXX XXXX XXXX, US DEP ED : XXXX XXXX US DEP ED : 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 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