vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2022-11-11 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: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-11 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: NY

Complaint narrative:
On XX/XX/XXXX I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX  XXXX Opened on XX/XX/XXXX Sincerely, 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 2022-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
My vehicle was refinanced and the original loan paid in full. My original loan was with Hyundai Finance. I called and cancelled my XXXX  and my GAP coverage. I was stated that I would receive a check for {$2400.00} for the XXXX cancellation and {$720.00} for the GAP cancellation. I have received the check for the XXXX refund. I am having lots of problems with getting an answer to why my other refund has not been issued to me. Finance manager at Hyundai of XXXX, TX will not return my calls and I have left over 10 messages. I went once in person to have him assure me that he would see what the issue was and let me know. He himself stated that the refunds take about 30 days. Well its been over 60 and still no check has arrived. The cancellations dept for Hyundai Protection at the phone number XXXX has even sent an escalation letter to the finance department in XXXX and still nothing.

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 2022-11-11 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: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I paid ( deposit + final ) a Food Truck for catering an event using XXXX ( attached to a Chase Visa Credit Card ). Visa/Chase recently changed these payments to be classified as " Cash Advances '', which accrue a hefty fees/interest. 

There was no communication from the bank before this change was made, and I'm sure Visa & Chase are profiting heavily from it. 

XX/XX/2022 XXXX Miscellaneous Cash Advance {$140.00} XX/XX/2022 TRANSACTION FEE Fee {$15.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$1.00} XX/XX/202XXXX XXXX* Miscellaneous Cash Advance {$510.00} XX/XX/2022 TRANSACTION FEE Fee {$25.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
Rocket Mortgage Quicken Loans I changed the account that my auto pay was drawn from. They said that I also ended the auto pay. I don't agree that I did that because I would not have done that. My payment was late. Rocket tried to email me about the issue and their mail but their mail goes to spam because of all the junk that they send. They tried to call but the did not say what the issue was. I didn't call back because again, they only call to try to sell you another product. They refuse to remove the late strike.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/11 @ XXXXXXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from Central Portfolio Control. XXXX XXXX stated that his " client '', XXXX XXXX, was trying to collect a debt. When I asked if they ( Central Portfolio Control ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " 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 ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( Central Portfolio Control ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
In XXXX i was approved for a loan to cover a purchase through shop pay affirm ... ..since XXXX i have complained that i cant access my loan documents or see the loan in the ap which has prevented me from making extra payments if i want to do so and also i cant access the paperwork for the loan terms etc ... .i have spoke to 6 or more different representative as well as emailed all since XXXX because i figured that id make some payments to cut down on interest and that's when i discovered the loan is not visible however the reminder to pay consistently is emailed to me..and im forced to call in..nothing i do seems to get them to ever fix this ... this month i even went as far as trying to reach out to the place i bought the merchandise from to ask them for assistance and affirm hasn't bothered contacting them either ... .today i received an email from a rep telling me that they see i complained about not being able to make payments when that isn't the issue the issue is that the loan isnt accesible or visible in order for me to access it so that i can make extra payments etc... so once again nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, make the following statement ( s ) in support of an official complaint against Capital One NA. For the past 10 Years I maintained XXXX XXXXapital One Credit Cards, ending account # XXXX XXXX and XXXX and during that period was never a late payment. 

On XX/XX/2022, I spoke to a Capital One Representative and requested they close both my accounts ( # XXXX & XXXX ) and requested a payoff for both credit card accounts ( # XXXX {$2400.00} & XXXX {$330.00}. While closing both accounts I electronically sent stated amounts above ( XXXX XXXX XXXX # XXXX XXXX & XXXX records of XXXX XXXX XXXX XXXX ). 

Approximately XX/XX/2022, XXXX XXXX XXXX XXXX sent me a message concerning my credit report and a late payment to Capital One credit card # XXXX. Since that date, I have contacted Capital One Customer Service ( First Name : " XXXX '', XXXX, and XXXX others Unknowns ) and explained that I closed both accounts on XX/XX/2022, and requested they correct their credit reporting and that they were not diligent in closing said accounts, cause negative and inaccurate credit reporting as to this matter. 

Furthermore, I submit that on XXXX XXXX, XXXX, Capital One sent me a refund for overpayment as to Capital One account XXXX, which further illustrates that they failed to account XXXX as requested on XX/XX/2022. 

In XXXX, I received another credit card from Capital One for account XXXX, which I did not request. Again, my XXXX attempted to resolve this issue with a Capital One Supervisor, and she suggested that it was my responsibility to contact every person, pharmacy business, etc that my account was closed, in lieu doing their job. 

I respectfully request you investigate this matter and/or refer to the responsible parties for disposition. I will not be corporate bullied and have made numerus request for their civil attorney of record.. and I consider it a enormous waste of time, and lets be clear, I will not stand down.. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ph : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11 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:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  : account # N/A, account name XXXX : account # N/A, account name XXXX XXXX, account # XXXX, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  : account # N/A, account name XXXX : account # N/A, account name XXXX XXXX account # N/A, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
I am an XXXX  who issued two direct deposits to a Key Bank account belonging to an employee. XXXX deposit was for the amount of {$510.00} and the other amount was {$510.00} I issued these XXXX transactions on Wednesday XX/XX/2022 along with regular payroll issued to nearly XXXX employees. All other employees who have other banks received their funds on Thursday XX/XX/2022. The Key Bank account holder was told that funds would not be made available until Monday XX/XX/2022. 

I spoke with the Key Bank consumer department at XXXX MST on XX/XX/2022 and was told that although Key Bank XXXX indeed receive the funds, they would not make those funds available to the account holder because today is a federal holiday. Key Bank insisted that the settlement date was XX/XX/2022 which is not correct as the funds were issued XX/XX/2022 with a settlement date of XX/XX/2022. 

I escalated the call to a supervisor who informed me that although they are able to verify that they did indeed receive the funds, there is no employee of Key Bank who has the ability to make these funds available to the account holder. 

I issued the XXXX XXXX day early in order to ensure that all employees were paid on time. Key Bank is in violation of Federal law in delaying the availability of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2022-11-11 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: Convergent Resources, Inc.
State: OR

Complaint narrative:
To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to XXXX  and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report. 
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did. 
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX still appears on my credit report they are out of business and have I was late with several payments which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: Westlake Services, LLC
State: NV

Complaint narrative:
Westlake Portfolio Mgm Westlake Portfolio Mgm ( Installment ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXXXXXX XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit 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