vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: TX

Complaint narrative:
In according with Fair reporting act XXXX  Accounts 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I made a Venmo account recently and someone close to me came into my home and wiped me clean of most of my accounts and banks including my Venmo and locked me out of my new phone and number. Locked me out of my emails. I regained access to my email and locked them out of my account. The police have XXXX  her and XXXX  her pending charges. Venmo tells me I owe them money and they banned my account when Ive never even had a Venmo account. My identity was stolen last year and someone filed my taxes and opened many cards in my name. Ive not heard about Venmo having an account for me. They are holding my funds and will not respond to my requests for email. The account specialist was very rude and told me that they were going to ignore me from here on out basically. I am requesting my funds be given back to me and me be able to make an account with Venmo. It is not fair that identity theft is still causing me this much pain and suffering. Please give me my money and access to my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
On following date my credit reports show this company exposed my reports for non permissible purpose with out my consent. I have contacted multiple times and company insist that there is nothing they can do. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV and XXXX XXXXXXXX XXXX  contacted me last year regarding a debit thats not owed to them. I asked them for a signed contract and please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor, date of last activity, my full, complete, and correct social security number that may help to identify me as the correct person you are trying to collect from, agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor and obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I own and all they sent was a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
On XX/XX/2023 at approximately XXXX, I, XXXX XXXX came into TD Bank located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to add XXXX XXXX onto my account. We presented all requested and required documents and signed all documents. On XXXX XXXX a domestic wire was submitted to the account name of XXXX XXXX and XXXX XXXX ( what is should be since XXXX was added ) but it was rejected because it TD bank stated it had the wrong name on the account. This rejection of the wire was due to the bank employee at the XXXX, nj location, not processing the necessary paperwork almost month earlier to add XXXX XXXX to the account. I reached out to the bank and they found all the documents and added XXXX XXXX to the account and then asked us to resubmit the wire. We were buying a house out of state in XXXX XXXX, XXXXthe next day. Unfortunately, the wire did not clear in time for our depart to go to our closing. I contacted the bank to see if we can do a wire transfer over the phone or if they can forward a cashiers check, but to no avail. The title company also requested a cashier check via XXXX but to no avail. The issue is, we would have had the money for closing on the property had TD Bank not rejected the incoming wire due to their employee negligence of failing to add XXXX XXXX. This has cost an extreme burden and hardship as we stand to possible lose our home as well as the additional money to fly and lodge to go to the bank and do the wire in person. The banks solution to their negligence is for me to fly to another state that has a td bank and do the wire transfer in person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have banked with Capital One for a very long time. I haven't file a dispute in all the years I've been with them. I submitted documentation for a botched car repair and they refuse to refund me the amount spent with the company. I took the car in for a second opinion and paid another {$730.00} and they said it is not enough information to resolve my dispute when my car was having the same issue when I paid for it to get fixed the first time. I refuse to take this charge. I trusted the credit card company to solve any valid disputes I may have, that's why I use my credit card. I trusted the repair shop and now I'm out of over XXXX dollars. The credit card company basically told me they are not siding with me and I have to resolve the dispute with the merchant but he is not willing to solve the issue especially after me getting my car fixed elsewhere. This is so unacceptable and I need a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I was a resident of XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. When I moved out I sent the paperwork needed as well as turn in my keys. XX/XX/XXXX I received a notification on my credit that I owe {$4800.00} to RENTDEBT AUTOMATED COLLECTIONS for XXXX XXXX. I contacted the original creditors which was XXXX and it took almost a year for the information to be corrected. I have disputed the original information and uploaded new information and this item still remains on my credit report. I would like this removed immediately because the information is incorrect and there is no way that it was validated accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I disputed " XXXX XXXX XXXX XXXX '' on XX/XX/23, XX/XX/23, and XX/XX/23. explaining how I wanted the item erased off my report along with the late payments that are illegally reporting on my report and causing me hardship, only to not get any results. On top of the account being closed I DEMAND that it gets DELETED!

According to 15 U.S code 1861b PERMISSIBLE PURPOSE OF CONSUMER CREDIT I never gave any permision to report on my consumer credit report. so I want it DELETED because of this clear violation of my rights According to 15 us code 1666b ( Correction of Billing Error ) Transunion is illegally reporting transaction on my consumer report These are Laws Put In Place by the FCRA. I want a copy of the Reports after the updates, and I will be sending my Invoice for the {$1000.00} violation once it is 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 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
In XXXX this year, Fay servicing overpaid my homeowners insurance. {$1200.00}. Instead of them communicating with my insurance to resolve it, they raised my house payment {$120.00} a month to cover their mistake up. I had to file a complaint with XXXX  to get an answer. They told them that they would fix this issue. I had to communicate with my insurance to get refund check. Now the mortgage company is refusing to lower my house payment back to the original {$700.00} a month payment. Ive made several calls to their customer service and theyre refusing to talk to me about it. Ive also sent emails to the ceo for help and still no response. Ive also got a {$6300.00} charge to my balance Ive been waiting XXXX years for an answer to what it is from them. This company has been nothing less than a nightmare to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am a good customer. No late payments, no issues. 
I called XX/XX/XXXX to pay my XX/XX/XXXX mortgage payment of {$1300.00}. I received no notice of an increase. It is a fixed mortgage. I've lived here for XXXX  years. Mortgage payments should be getting smaller, not larger. On XX/XX/XXXX, Select Portfolio Servicing informed me that my payment is now {$1500.00} - an increase of {$200.00} per month. 
I asked why, and after speaking with XXXX levels of support and spending the entire day trying to get to the bottom of this, a supervisor finally explained : XXXX. My taxes increased by {$180.00} for the year XXXX. My insurance increased by {$450.00} for the year ( which has since been corrected. I called my insurance company & that was a mistake. My insurance is actually lower than it was ) XXXX. That's a total of {$640.00} in increased escrow for the next XXXX  months. Last year, my escrow increased by {$420.00} & I paid it in a lump sum to avoid increasing my monthly mortgage payment. I told SPS I would do the same with the {$640.00}. 
XXXX. SPS said they were charging me {$640.00} PLUS and additional {$1100.00} for extra CUSHION, just in case!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
Please remove this inaccurate information from my credit report. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number 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 non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had XXXX cars loan from wells Fargo few years ago. but I heard they are having issue with extra charge and etc., but I still didnt get any call from wells fargo.

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 2023-03-21 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: Atlanticus Services Corporation
State: GA

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

15USC section602 states I have the right to privacy.

15USC 1681Section604A Section 2 ; its also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
# XXXX XXXX You sent me letter closing above cases due to info requested not supplied I send two documents XX/XX/XXXX to XXXX ( copies attached so please do not make false accusations ) I provided the calcualtions for my bills and why the two disputes Please credit me again and open this dispute I wish to open case again and credit me again my {$17.00} amd XXXXXXXX XXXX from XXXX XXXX that was rebilled purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Informative Research
State: GA

Complaint narrative:
I have had no contact ( authorized or otherwise ... no accounts and no knowledge as to who these companies are ) who are making hard inqueries on my credit that are driving down my credit score. I dispute these inquiries and request that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports.

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended.

Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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 2023-03-21 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XXXX and XXXX of this year my XXXX XXXX was tanked around 49 points of non payment on this card when the card balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Paradigm Assets, LLC
State: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have directed them to XXXX XXXX XXXX XXXX who I am working with on debt consolidation. Today XXXX at XXXX they called my job which could get my fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I took a title Loan with Mariner Finance in XXXX of 2021, it was a loan for {$5000.00} dollars. 
I was under the impression that my vehicle would be used as collateral if the loan wasnt paid off. But this company has put themselves on my auto as a second lender! Also, I was told that the payback amount on this {$5000.00} loan would be {$6000.00} by paying {$190.00} by weekly! I committed to my payback obligations for over a year and was making my payments on time. I even made a lump sum pay of {$1800.00} dollars to get the loan down. I then contacted the company because I could not access my payments or balance amount on their website. At which time I was told I had a {$4000.00} dollar Balance!! HOW I asked, and thats when I was told this is an interest based loan and the amount increased over time due to interest. I have since stopped making payments on this scam and I am constantly being harassed by the company. I have attempted to make a deal with these people and showed them that the debt is actually satisfied. I need help with this Matter because I truly feel it is a scam.

Company response to consumer: Closed with explanation