vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed a recent credit report and someone has been illegally using my information to try to gain credit as they have illegally obtained my personal information because Of this I have several un authorized inquires reporting to my Transunion credit report not done by me, these inquiries are putting me in a financial hardship as they are negatively affecting my credit report, The following are 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

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 2023-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage is processed by Loancare LLC. In XXXX, I requested my escrow requirement be waived and allow me to be responsible for my property taxes. After submitting the required paperwork, my exemption was approved in XXXX and my escrow payments to date were refunded to me through XX/XX/XXXX. 
I called Loancare to ask if my XXXX auto-pay could be updated to take out the XXXX escrow amount. I was informed it was not possible but I could call back for a refund. It was presented as a simple process. 
I called them back after payment had been processed. Customer service told me they processed the refund. However, I did not receive the refund. I called back in XXXX. I was told that the refund department needed verification that I had paid them the funds. 
I informed them that it was Loancare that processed my auto-pay as they had done in prior months and that their own statement showed the excess funds. They told me that I needed to submit a bank statement showing that the funds had been deducted from my checking account. I asked how did that prove anything if they didnt believe that they already had my funds. I was told that that was their process and if I wanted a refund I would have to comply. 
I am concerned about identity theft, so I submitted a statement with my only the last four on my account number showing and the actual transaction. This was not acceptable. This had already taken up too much of my time and headspace, so I submitted the entire statement, They sent more communication denying the refund with excuses such as needing additional information or saying they misunderstood the request. The final straw has been when theyve responded saying that the request is after 60 days of payment processing and can not be refunded. They do not mention what will happen with the excess funds or that they originally refunded the escrow balance well after 60 days. 
It seems they are looking to ways to frustrate their customers.

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 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After reporting financial hardship XX/XX/XXXX during the XXXX pandemic I received a notice in XX/XX/XXXX that the account was closed. No additional notices were received up until XX/XX/XXXX when Bank of America made a report on my record which caused my XXXX XXXX to immediately drop XXXX points

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 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
ace payday loans charge outrageous illegal interest and fees i demand payment to me of {$10000.00} for this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
stating XXXX XXXX day late payments to credit bureau and 2 XXXX days late payments sent wrong payment history refused any other action wont publish the repayment plan of 1 whole payment and a half i paid for over six months straight on XX/XX/2020 right at covid on unemployement, another bank bought there note and i paid it off XXXX see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On several occasions I froze my Transunion credit report and wasnt froze

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 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I dont owe this company anything I dont no them never had a contract with this company first off I am homeless I am poor why are they bothering me I dont no them can they leave me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

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, Discover 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: FL

Complaint narrative:
THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I dont owe them or no this company at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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 2023-10-28 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
I am writing to bring to your attention several discrepancies and instances of improper use in my credit report. As a responsible consumer, I am concerned about the integrity and accuracy of the information contained in my credit file. 

I have recently reviewed my credit report from your agency and have identified issues. 
I request that you investigate these discrepancies and rectify any inaccuracies promptly. My credit report should reflect accurate and up-to-date information, and these discrepancies are negatively affecting my creditworthiness. 

I also want to bring to your attention the improper use of my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). They accessed my credit report without my explicit authorization, and I would like this matter to be thoroughly investigated and any necessary action taken to rectify this situation. 

Please inform me of the steps you intend to take to address these issues and provide me with a written explanation of your findings once the investigations are complete. I am relying on your cooperation to resolve these matters promptly. I enclosed all documents I appreciate your prompt attention to this matter. I expect a response within the legal time frame as stipulated by the FCRA.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my 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 non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NY

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. Mohela U.S. Department of educationXXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Recieved letter dated XXXX XXXXXXXX XXXX  saying Dear my name, We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. Please Stop using this account immediately and destroy any cards and checks associated with it. Also you should update any recurring payments you have set up using this account, such as gym memberships, subscriptions to online streaming services, etc. You are still responsible for paying the full amount of any remaining account balance and you'll continue to receive billing statements until the balance reaches XXXX. Sinserly, Capital One then very bottom of it states EQUAL CREDIT OPPORTUNITIEY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicants has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, DC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have sent multiple letters requesting a validation of debt. I am being sent information that does not validate that the debt is indeed mine according to the law. A statement with a list of charges and/ or a balance on a letter head is not sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: WV

Complaint narrative:
The company Hunter Warfield calls nearly every day, twice a day and leaves a robo voice mail that they are calling about a debt. However, when I have answered the phone there is just dead air space. This company does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXXXXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: VI

Complaint narrative:
In XX/XX/2023, due to an unexpected hospitalization, I was briefly late on my Discover card payment by no more than 30 days. As soon as I was able, I promptly addressed and rectified the situation. Despite my proactive approach, and after discussing the matter with Discover, I was initially informed by multiple representatives that they would update the payment status and report the corrected information to credit bureaus. However, I later learned that they would not take such corrective action. I have consistently maintained an on-time payment history prior to this singular incident. I kindly request that this unique situation and the conflicting information I received from Discover be considered when reviewing my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I tried to pay my membership fee, {$25.00}, for my business to XXXX XXXX XXXX XXXX, addressed XXXX XXXX XXXX, XXXX, NJ XXXX by using a store credit card of XXXXJ Maxx credit card, ending XXXX. However, I have not received any paid information from TJ Maxx ; even though I had the receipt of payment online. Therefore, I tried to check TJ Maxx online whether it received the payment ; however, due to the loss of my memory regarding the password, I could not open with my three email addresses. I tried to call the customer service without any result and their message system asked only about the purchase ; so, I did not send the message.

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