vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 accurate.

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 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
From what I could find out I paid a dentist years ago and without any permission, this was sold to a collection agency for double payment. This was paid in person and by insurance 1.5 years ago making this a fraudulent attempt to collect double.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
To who, it may concern, Case number XXXX for account in question ( XXXX ) I am requesting the removal of this account off my credit report for several reason. I am here seeking help to have Falsified account removed. I am first asking for the the ORIGINAL contract was would confirm this account belongs to be WITH MY SIGNATURE that was allegedly open in XX/XX/XXXX. 
Then I would Like to see written agreement that gave ONE MAIN FINANCIAL permission to report my alleged account to any consumer reporting agencies. According to Fair Reporting Act 15 U.S.C 1681 section 604A section 2 : The law states clearly that my personal information CAN NOT be furnished WITHOUT my WRITTEN permission. There is a difference in placing an agreement inside of an statement and having someone agree to what the law is in written form. This written permission would have been when the " account '' was open in XXXX, Not XXXX when the company alleges in previously in documents. The account in question was charged off XX/XX/XXXX and alleges 6 payments was made in XXXX with a card ending in XXXX. As I previously stated and have proven this to not be true. By their own Evidence that ONE MAIN has provided, None support this a payment wasmade. A representative is now stating that it may be from a different account, but from their own records ONE MAIN states and has shown records of this alleged payment coming out of this specific account, now in a new statement they believe it was another account. Which is why I remain certain that this is account is was falsified. ONE MAIN can not provide any documents to support this account. The burden of proof is uncertain with this account. In addition, If the account was charged off in XXXX, Why was the account being reported in OK status with the credit reporting companies?. XXXX OK. 
XXXX -OK. XXXX, XXXX-OK. Even XXXX of XXXX the account was reported in OK status. Reporting the account in OK status means it's Current. Please provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a credit card with Lane Bryant ( Comenity Bank ) around XX/XX/2022. I never received the credit card in the mail, so I have been unable to set up my online account. They began calling me shortly after repetitively about the debt, numerous phone calls every day. Even after setting up my first payment I received another phone call about the debt just days after setting up the payment. During the summer I called their help line and paid off the debt and requested another card be sent to me so I could set up my online account. A couple weeks later I received a letter in the mail from the company telling me that my request for a new card had been denied, so I am still unable to set up an online account so that I can monitor the debt and make payments on it. While I have not used the card since paying off the debt this summer, somehow more debt has built on the card. Now I receive many phonecalls throughout the day. The first week they started calling me I had over XXXX phone calls from different numbers, and upon blocking several of them they began calling from private numbers that could not be blocked. They have been calling like this none stop ever since. Just this morning ( XX/XX/2022 ) I had XXXX phone calls before before XXXX. They call at all hours during the day disrupting my work and sleep. These calls have been coming in this manner for over a month now. I would set up an online account to pay my debt but the company has denied me the ability to do so, and I have not even received the credit card I signed up for, which was discussed with a company representative when I paid off the debt this summer, but I still have not received the item which is rightfully mine. Calling the company to pay the debt this summer was a very difficult process involving long wait times on the phone and a language barrier with the agent that made it difficult to resolve the debt. 
They have also sent me texts on top of all the constant phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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: IL

Complaint narrative:
In accordance with the fair credit reporting act, 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 : it also state a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 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 purposes.

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 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
I called the loan provider ( Ed financial ) at the end of XXXX to get a refund for the student loan I paid off during covid. I was quoted 150 days. My brother-in-law went through his loan provider ( XXXX XXXX ) on the same day as me to complete the same process of getting a refund. He had reached out to his provider at the end of XXXX, they were able to cancel the initial submission and redo it, and his account balance was brought back to the pre-paid balance two days later. I called Ed financial to see if we could do that to get my refund so I can submit my application for forgiveness and was told no. They dont have any update on the process and they cant do what I want them to. My brother-in-law called his provider yesterday because the dollar amount was not above XXXX XXXX, and today the new balance is reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Ive paid my credit card off in full also my business account over XXXX total Navy federal took my money and did not mail my the credits checks promised to me .Ive failed police reports and CFPB and ftc and affavidits Ive sent to them over several months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I always received paper statements for XXXX years, and in XX/XX/2022, I did not receive my paper statement, so I was late with my payment, first time EVER! After several calls they credited late fee but they didn't tell me they were charging a trailing interest, which I never heard of, that totalled {$100.00}, and they won't credit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NV

Complaint narrative:
This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt..so why is income being reported on my consumer report? I know that a 1099-C had to be filed, and I never received a copy of it. 

Violations noted in my letter ( see attachment that was mailed XX/XX/2022 without response from the company ) : 15 USC 1601 ( a ) 15 USC 1602 ( k ).

15 USC 1602 ( p ).

15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am attaching the last two letters that I sent to this company to file a complaint about their non-compliance. I sent my request for a method of verification last XX/XX/2022 and FCRA mentions that I can request the method of verification used on the disputed items but this company doesn't seem to be taking me seriously, they're ignoring my letters. I want the CFPB to have records of this complaint because this will be my step in taking more serious actions against the negligence of this company.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best buy refuses to grant me entry to their website to set up automatic payments and their call center supervisors are very rude and don't help. I just want to set up recurring payments.

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 2022-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am attaching the last two letters that I sent to this company to file a complaint about their non-compliance. I sent my request for a method of verification last XX/XX/2022 and FCRA mentions that I can request the method of verification used on the disputed items but this company doesn't seem to be taking me seriously, they're ignoring my letters. I want the CFPB to have records of this complaint because this will be my step in taking more serious actions against the negligence of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
This company refuses to send me an updated mortgage stat so I can provide it to Florida Department Of Economic - Homeowners Assistance Funds. I have asked and is ret with resistance I asked for a statement and they tell me Im on a coupons that do have. They sent me coupons back In XXXX  and nothing since. The have I need the Mortgage statement for XXXX or XXXX ASAP. My email address is XXXXXXXX XXXX XXXX  fax number XXXX Account number XXXX. Cardinal Financial is refusing and blocking me from receiving help from XXXX. Telephone number XXXX. Times is not on my side

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal credit card from 2015 has been charged off and company refuses to remove from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: USCB, Inc.
State: CA

Complaint narrative:
I have been trying to get a validation of debt request fulfilled for many many months with no success. USCB America has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete USCB from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
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 U.S.C 1681. 

Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 15 U.S.C. 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I was scammed by a fraudulent Company under the name of XXXX, they manipulated me into investing and after a few Investments i was not able to make a profit and later i found out the website was a scam altogether. Crypot.com had full knowledge of this website and the fact that they are Illegitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, I was effected by XXXX, so I put my mortgage into forbearance in XX/XX/XXXX. 

This year ( XXXX ) I was able to fully recover and recoup my finances to begin paying on my mortgage. After being told by many reps from XXXX XXXX XXXX ( Dovenmuehle ) to just start paying my mortgage, they began foreclosure proceedings. I contacted their Loss Mitigation department and began XXXX paperwork to save my home. I provided all the necessary paperwork but was continually told to provide bank statement after bank statement and HOA paperwork again and again. They continued with foreclosure even though I was in loss mitigation. With help from the VA, I was able to obtain a loan modification. I signed and had notorized the loan paperwork sent to me from XXXX XXXX XXXX/Dovenmuehle and returned it. The VA is in possession of the documents. The loan modification began on XX/XX/XXXX. I have made XXXX and XXXX payments. Dovenmuehle has continued with the foreclosure and served papers to my home. In XXXX Dovenmuehle sent notice that my escrow account is deficient and based it on the principle prior to the loan modification. This has all taken place despite having entered into a loan modification. Dovenmuehle has entered into a loan XXXX, continues to process the foreclosure, is accepting my new loan payment amount, and is adjusting my escrow according to the old loan principle and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I have contacted USAA on several occasions to send me my money that is in an account of my mother with my name. She passed away on XX/XX/22. My mom 's name is XXXX XXXX XXXX, my name is XXXX XXXX XXXX. I have been told on several occasions that my check is in the mail. Today I called USAA 3 times, the first two times I was told to hang up and call again. I was told last week that the check will be mailed on XX/XX/22. Today XX/XX/22 I was told they have not mailed my check and will be checking into it. Please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX CREDIT ACCEPTANCE CORP Account # XXXX To Whomever it May Concern, I am writing regarding the above referenced account. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was return by XXXX XXXX XXXX & XXXX XXXX to XXXX XXXX in the state of New Jersey on XX/XX/XXXX and resold XX/XX/XXXX Under the laws of the states of New Jersey UCC 9.506 and state XXXX and XXXX statutes, a deficiency can not be determined or claimed unless all of the required notices were properly and timely given, and all+of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and PROOF of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit report will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above request, I reserve the right to seek damages against all parties, under all available state and federal stabites and UCC? 9 remedies. 
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 explanation