vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

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 2023-04-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by XXXX XXXX. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXXXXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). 

After opening 4 disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX  but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) and XXXX XXXX XXXX XXXX  via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
Fraudulent accountant increase appearing on credit report. 
Accounts 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

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
I originally reported my card lost back in XXXX on XXXX. I did not receive a replacement card until the end of XX/XX/XXXX. While waiting for my card to arrive, my credit score dropped XXXX points due to them reporting my account closed. For this, I reported them to the Consumer Financial Protection Bureau. 
The replacement card, attached, was only good for one month. After XXXX of XXXX, Inwas unable to make payments or purchases due to the card being expired and for the longest time, not even showing up on the website or my credit report because it was reported as closed. Now Im receiving late payment reports on my credit when I wasnt able to make payments on the card because of the account status and it being expired. I have closed this card today and would like a correction reported to the credit bureaus. 

The issues on this card was due to no fault of my own and the responsibility falls on First Progress for failing to send a usable card for payments and purchases. And for also failing to report the card as open and not closed, and for removing it from the website for payment back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has pull my credit report and place two hard inquiries on my XXXX credit report and then approved me for credit card then canceled it within mins with business plum card and told me I had a previous card with them which I didnt apply it was due to disputes abuse but I never applied for XXXX XXXX card or used it and they didnt give me the option to filed a police report and keep sending me harrasing letters to my address They wont remove the credit inquiry They wont restore my access to my plum credit card I didnt not apply for any previous American Express cards and I will be getting these old accounts removed off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: IN

Complaint narrative:
XXXX XXXX and XXXX XXXX from fairway mortgage Im XXXX, XXXX  are two of the most inexperienced loan consultant and loan assistant I have ever encountered. I lost out on XXXX do to an inspection and appraisal on a home they could not get me financed for all because they never bothered to look at my documents that they have had since XX/XX/2023 before sending me to underwriting and putting me under contract on this house that is {$310000.00}. Once the underwriter received the file they called and told me it was an issue with my taxes and I needed a co buyer then a week later it was my DTI was too high I still needed a co buyer. I applied for this loan on my own so if I could not be financed I dont have a loan they then did not want to provide proof that my loan was not approved or denied but that I withdrew my loan. Which now has turned into an issue with me getting my {$3000.00} earnest money back from the seller because they could not finance me. They are in experienced and unprofessional and I will exercising my rights due to them not doing their due diligence from the very beginning and pre approving me correctly and reviewing me documents to ensure I could afford such house before a contract was signed. I lost out on money, time away from work and that are trying to force me from getting my 3,000 back. I finally received my pre approval letter after I was already under contract and underwriting denied the loan still due to my DTI because the loan officer did not do his job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 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 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I received an unsolicited credit card from Comenity Bank. I didn't want the card so I never called to activate it. Several weeks later I received a statement from Comenity Bank showing I owed more than {$30.00} in streaming charges from somewhere in XXXX. For the record, I live in Colorado and haven't left the state in more than four years. I called the bank repeatedly to report fraud but was always connected to someone who didn't speak intelligible English. I also sent a letter and an email to the company but received no response. I finally got the account closed on XX/XX/2023, but the fraudulent charges were not removed. Now I have incurred late charges and the balance due is {$100.00}. Please help me get this resolved. I'm semi-retired and do not have the resources to pay for some strangers ' hotel XXXX ( if that's what it was ). 

Card number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
My account ( and wife 's ) was acquired from First Citizens Bank from the bank we originally opened our checking account with, OneWest Bank. It was a checking account slightly above {$10000.00} that was originally opened with no fees and it grew to {$10000.00}. When it was acquired by First Citizens Bank, I received a disclosure of this and was prompted to create a new online account with them. I did so ( in mid XXXX ). Today, upon logging into my account to acquire a possible 1099-INT tax document, I noticed First Citizens Bank started deducting a {$50.00} a month service fee beginning in XXXX and then XXXX and XXXX and pending for XX/XX/XXXX. I immediately called my local branch and spoke to a XXXX at ( XXXX ) XXXX. Amongst many statements, she said she has been fielding complaints from other clients about this and her understanding is First Citizens Bank did not provide a disclosure about these service fees to effected clients. We discussed that my slightly over $ XXXX account was placed by First Citizens Bank into their " XXXX XXXX XXXX  '' account, which requires a $ XXXX minimum. When I asked how my account was selected to be placed into an account that requires such a high minimum of nearly five times my checking account 's value, she said OneWest Bank provided First Citizens Bank " bad coded files ''. I said, this is First Citizens Bank 's responsibility. UPDATE AS I'M TYPING THIS ( XX/XX/XXXX ; XXXX ) : Just received a call from Branch Mgr., XXXX XXXX XXXX XXXX ) XXXX. He said they are reversing the fees and placing the account in one that has no fees for a checking account valued at {$5000.00} or more. He said he will do research as to why my account was placed in such a high minimum XXXX XXXX  account, and why the $ 50 monthly fees began only this XXXX when my monies were already with First Citizens Bank back in XX/XX/XXXX. He did not have an explanation and did not seem sincere in what he did share. I stated this is very suspicious and that XXXX noted this was not just my account impacted but many other accounts that were transferred from OneWest bank. He replied he would do research, reverse the fees I incurred ( {$150.00} to date ; {$50.00} per XXXX XXXX, XXXX ) and create a checking account where my monies ( approx. {$10000.00} ) would not incur a service fee or minimum penalty. I have lost faith in the First Citizens Bank brand and integrity, especially in light of untrustworthy bank concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: OK

Complaint narrative:
I first heard of this debt on XX/XX/XXXX, when one of their letters was redirected to the correct address for the first time. I went to their page and filled out a form to start a dispute and received no response. 

I next spoke to someone on the phone for the first time on XX/XX/XXXX, in response to the call made XX/XX/XXXX. ( note that the number I was being called from and the number I was told to call are different ). This person had no knowledge of the dispute form I had submitted on XX/XX/XXXX. They gave me an email ( XXXX ) to send my dispute to. I sent a dispute email to that address on XX/XX/XXXX. 

Yesterday, ( XX/XX/XXXX ) 6 days later I received another call and called back. The man on the phone was very aggressive. He told me that they never received my email, ( see proof that it was sent on XX/XX/XXXX ) when I told him that the debt wasn't true and legitimate he told me " Yes it is '' and when I asked someone else to call me back he said " I'm sure they will '' I sent the email again on XXXX multiple times, since they claimed not to have received the email on XX/XX/XXXX. They emailed my wife almost immediately thereafter with a email that simply said " done. ''

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 2023-04-07 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am seeking your assistance to have Capital One Bank refund the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX  ( {$1100.00} ) plus interest that I have paid to my account. The amount is for unauthorized transactions made on my credit card. The bank has refused to refund my money claiming that their research found insufficient evidence of fraud. This claim is unfounded because my credit card is always with me, and I never used it or gave it to anyone else to make any of these purchases. 

These transactions are completely outside of a spending pattern that I have maintained for the past XXXX years, additionally the spending pattern ( please see attached ) is synonymous with fraud. I called Capital One on XX/XX/2023 and requested the time of day that these transactions took place as well as evidence showing that the XXXX chip on my credit card was used. Capital One also refused to provide me with this information. Capital One is trying to evade their responsibility of being negligent for allowing these transactions to be charged to my credit card. They should be held accountable for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and JCPenney XXXX Synchrony Bank via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.

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 2023-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX account ending in XXXX, I want this account deleted due inaccurate reporting. XXXX XXXX is reporting 30 days late in XX/XX/2017. I was not late and made my payment on time XX/XX/2017. The only way to legally prove that the account is reporting accurately is for XXXX XXXX to show their bank statement proving I did not pay on time XX/XX/2017. If the bank statement document from XXXX XXXX can not be provided then the account can not be legally verified and must be deleted. Any verification or update without the legal document being XXXX XXXX  bank statement would be hearsay.

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 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I get at least 8 calls a month from capio partners asking if they can speak with an unknown person to me. I have told the person on the phone that they have the wrong number and to please stop calling. They apologize and say they will remove my phone number but they will call again in a few days looking for a different name. These calls are always from a XXXX XXXX area code and are sometimes the phone number is different. The caller will not identify their name but they do say they are from capio partners collection agency. They called me twice today from XXXX and I'm sure they will call again in a few days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
Fraudulent accountant increase appearing on credit report. 
Accounts XXXXXXXX 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

Company response to consumer: Closed with explanation