vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: AZ

Complaint narrative:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. That is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ).

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed U.S. Bankruptcy Court XXXX. 

I never gave EXPERIAN any written consent to report anything on my consumer report, No consent is Identity Theft. XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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 I dont ever recall giving you EXPERIAN any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EXPERIAN wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$100.00} Vanilla Visa Gift Card on XX/XX/XXXX ; XXXX p.m. at XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, STR # XXXX for my niece. She tried to use it and learned it had been hacked, fraudulently used and therefore no funds available. She filed a complaint with Vanilla Visa customer service and has been contacting them via email ( providing all they requested ) and via telephone since XXXX to the present date without success. I notice now there are several complaints against Vanilla Visa for the same lack of response and resolve to consumer complaints. We respectfully seek your assistance for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
this debt is being continually handed to different debt collectors because Bank of America will not settle this debt on terms less than a figure they have decided on unilaterally

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 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
We wired money to Crypto.com via XXXX XXXX XXXX  in XXXX. The transfer was undeliverable due to an error ( that we made ). Assured the wire would reject and bounce back as there was not a legitimate account for the money to be deposited we had done all we could do. After 12 days Crypto.com is still holding the funds. Countless email conversations with their robotic customer service team nothing has been resolved. The amount of the transfer was {$13000.00}. It is impossible to actually speak via telephone with anyone with Crypto.com. Is there an actual time period in which any entity can hold funds until it becomes a crime? They have admitted that the money is rightfully ours and will be returned at some point. They have refused requests to get management or any administrative person involved. A company of this caliber should have some reasonable means to communicate with customers. This is totally unacceptable. At this point legal action will be taken. 
Reaching out to the general customer service email or chat will not prove fruitful. CFPB will need another method of contact for any action to be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was charged late fee by capital one credit card even though I had made my payment on time. When I called the bank, they told me that they had internal compute issues and it was automatic charged by their computer. But that was corrected and reversal and never posted to my statement. The XXXX XXXX  failed to notified me on their internal computer issues and took care it without informing. I am sure that they are liable to inform there customers for this kind of issues. Please look into it and I am sure I am not the only one effected. I spoke to XXXX XXXX, rep id # XXXX on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view the attached items as they will show proof of my identity and proof of my complaint.

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 2022-03-01 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:
Update to previous complaint mailed XXXX XXXX. My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view my attachments as they will explain my complaint and verify my identity.

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 2022-03-01 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 — Was not notified of investigation status or results
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
CONSUMER PORTFOLIO SVC account number XXXX on my credit report was tagged to be CHARGE OFF with no specific date of showing the late status. The payment history is incomplete and with so many errors in the date of last activity, date opened, etc. The entire remarks for this account are a big error. Thus, I am doubting that the Bureaus have conducted a proper investigation. Moreover, I have been sending them written complaints and requests and they failed to give me feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Merchants Acquisition Group LLC
State: CA

Complaint narrative:
I received a letter of a lien on a property that my name is on I have never received anything prior and company refused to verify debt I wasn't even aware i was sued because is not even on my credit report I want the lien removed immediately and for company to send a letter of it being removed from county clerk of records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I used the " Pay Bill '' feature in the online system of Citizens to pay a bill. 
They printed the wrong account number on the check ( seems like a random number, certainly not an account that I have with them ), the check bounced, now they want to charge me late fees. 

Attached is the transactions -- I have no account number ending in those numbers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 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: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-01 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:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-01 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : 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 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/26 Alliant Credit Union reposed my vehicle. However, my was and still is in good standing. They were in breach of contract. They have not offered to remediate their breach of contract. They did have my vehicle returned. I dont feel this is enough. They are trying to sweep this under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with RentDebt for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: EQUIFAX, INC.
State: ME

Complaint narrative:
There is a medical collection showing on my Equifax credit report that should have been deleted MONTHS ago. This collection is from XXXX  XXXX  in XXXX, ME and the medical practice it is from is XXXX  XXXX XXXX, who agreed to DELETE this collection several months ago and requested XXXX XXXX to send a DELETION REQUEST to Equifax, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against Equifax AND XXXX  XXXX  and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I paid down my mortgage to {$0.00} before XX/XX/XXXX. 
Citizens confirmed by email that they would still use the autopay ( that has worked for the last years without issues ) to pay escrow/interest etc. 
Their Autopay function did not work, no money was taken out of my account. 
I sent checks, paid of the remaining balance, and what I was due ( " total due '' ). 
They keep sending me letters saying I owe them more money ( and other letters that I paid off my loan ). Their phone system does not work ( no representative ), I went to their branch, but mortgages are not serviced there, I wrote emails and letters. 

It really seems they do this on purpose when you pay off your loan, they try to trick you into not being able to end the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
Since XX/XX/2020 i have been trying with the help of XXXX XXXX  XXXX XXXX to dispute misinformation on my credit report. We have sent in multiple request and reports to Experian, XXXX, XXXX. On multiple dates for the past 2 years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.

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 2022-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My late wife forged my signature on a loan agreement back on XX/XX/XXXX. My wife died in XXXX. I have tried to settle with Bank of America. I have Bank of America in Court. To settle this

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was a victim of idenity theft, I also sent letters to XXXX notifying this of this and also asking for clarity about this alledged debt. They have now gave this acoount to another agency Jefferson Capital System, which now they are reporting erroneous informaton on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I submitted a Qualified Written Request ( RESPA ) to XXXX XXXX XXXX XXXX on XX/XX/XXXX via registered mail. Their Loan servicer, LOANCARE LLC acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per XXXX XXXX XXXX if they are not obligated to respond to my RESPA request, they are supposed to notify me within XXXX business days from their decision not to respond. I have not received any correspondence from XXXX or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been XXXX business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to LOANCARE today XX/XX/XXXX @ XXXX central time. The call lasted XXXX XXXX with XXXX , I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( XXXX business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, XXXX nor LOANCARE. This is also out of line with the FDCPA. Legal action will be taken

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a bill for {$1300.00} due on XX/XX/2022 for Comenity Capital Bank ( XXXXXXXX XXXX XXXX  credit card ). 
I paid in full on XX/XX/2022. On XX/XX/2022, I noticed that the money was still sitting in my checking account. I called my bank ( where the checking account is ) to see if they ever received the ACH. They told me no. I then called XXXX XXXX who said that there was no issue with the payment, and it was delayed due to XXXX 's XXXX. 
On XX/XX/2022, I logged into my Comenity account where it said that the payment was returned/cancelled on XX/XX/XXXX. Comenity gave me no notice and no explanation why. 

I have scheduled another payment for XX/XX/2022, but I suspect that Comenity will find more reasons to delay, cancel, or somehow interfere with the payment going through. This will give them the opportunity to charge interest and late fees. I have never been late on a payment in my life. I wish Comenity would accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-01 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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
The CREDIT ACCEPTANCE CORP account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.

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