vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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: Oliver Adjustment Co.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXXXXX 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 2022-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CFPB stated repeated claim was closed due to a response from the Shellpoint ( NEW REZ LLC ) a Debt Collection Agency. Just because the company responded does not close the case ( XXXX ). I am a mortgage payer, who pays on time and constantly being harassed or penalize when insurance information has already been submitted. I am being treated unfairly. The company is trying to place a lender-placed hazard insurance payment to my mortgage payment. The unit is covered by Condo HOA & Personal Homeowner Insurance. There is no lapse in policy as company is stating. Insurance information has been faxed, emailed, or upload to website annually when requested. If there had been any damage to the condo ( inside or out ), the condo would be covered. The debt collector agency is double dipping insurance policies and trying to make me pay. Request is to end lender-placed hazard insurance. Until the issue is resolved the complaint remains OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # 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 : 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 2022-06-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : 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 XXXXXXXX 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 2022-06-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
Company states they are a collection agency/lawfirm on a student loan debt that they now are handling. Didn't provide proof or verification that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Reached out via Credit Bureaus to advise of the non-authorization.

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 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Since truist bought bb & t, I have been having nothing but problems with my account. Since XXXX I've been getting unnecessary overdraft fees. For one thing there website is not accurate because I can check now my balance and guarantee 2 hours later there is another balance. They claim they can only refund my account once every year. For example. I went to bed last night with XXXX for my balance and then woke up this morning to XXXX. They claim if it's not more than {$5.00} then you should not have any overdraft fees. Each time they have. In XXXX I was charged {$240.00} in fees and I'm already struggling and they don't care. Something needs to be done and looked into because apparently this is an ongoing thing with other customers if you read their reviews.

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 2022-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am a victim of identity theft, I did not give anyone permission to use my social security number or personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western-Shamrock Corporation
State: CA

Complaint narrative:
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD. To my understanding the debt was charged off and it wasnt to my knowledge until 2021. This account from my knowledge is from TEXAS. Ive only lived in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-06-18 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Reached out via Credit Bureaus to advise of the non-authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I did not authorize the hard inquiry of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-06-18 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I did not authorize the hard inquiry of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
after many months of disputing charges on my account, the bank responded to me that " We again would advise against attempting to resolve the issue directly with the merchant '' I agree!!! that means the bank needs to back out and not take responsibility on my behalf. 

the bank is responsible for this charge and should pay the charge as they are not allowing me to work directly with the merchant. the bank is taking it upon itself to accept charges for the vendor. 

I have made it quite clear that the charge is not legitimate and is a fraud. if the merchant has anything on their side that defends them I have not seen it and the bank has not shared it with me. 
If the merchant believes they are in the right they can come after me directly and without the support of capital one.

Why is capital one supporting the vendor as I am the client and creditor? 

I refuse this charge, I demand that the bank return my funds and back out of this situation as it is harassment. USFCR is completely capable of sending me an invoice if they seem to be fit. how are they using the bank to protect them when I am the creditor. It's a fraud. 

the bank has noted that " it has confirmed that all of the correct procedures and processes have been followed in denying this claim due to the merchant documentation. " I have not seen any merchant documentation. I have not been informed of any procedures that were used and I was not informed of any tactics they used. they never called me back to discuss it. they are defrauding me as a matter of fact. I have first-hand knowledge and the bank does not. the bank is a fraudulent organization and should have its banking charger removed for blatant fraud. 

did the merchant show documentation that showed that I never received the product and I still need to pay? that is called fraudulent and a cybercrime. 

capital one also said " they have no further recourse on this purchase '' then they have no right to demand that I pay for this. they can pay for it as I refuse to pay for fraud. I want my account closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

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 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 2022-06-18 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: NC

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 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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
What happen was that I had a chase checking account I had deposit a check chase didnt wait until it cleard and decided on there behave to give me the money the money was in my account then the hacker hacked my account and transferd the money to there account making me on negative on chase I couldnt get it I tried solving with chase but they couldnt help so am here asking for help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account by the name of XXXX XXXX is reporting to my Experian and XXXX credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or discharged through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. Experian also refuses to report a XXXX balance.

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 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: DE

Complaint narrative:
Vance & Huffman llc keep sending me a billing statement when asked in writing for them to send me proof including a wet signature that I signed a contract with them and I owe them money as well as the original contract they can not produce. Since this collection agency can not produce original contract between me and this collection agency with my signature that I owe this collection agency money this collection account needs to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

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 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 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I have received a total of 3 {$29.00} NSF 's from one transaction that should have posted. On each time that the transaction was presented to be applied for payment, more than sufficient funds were available. Based on the convo that I had with the rep related to the posting order, this transaction should of been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2022, LexisNexis. Public records information is inaccurate. I understand that LexisNexis does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. As LexisNexis has stated in a document I attached. 

XXXX has given LexisNexis a erroneous match. The address that XXXX match with LexisNexis is inaccurate. 

I have never resided or lived at the address that LexisNexis was matched to by XXXX. Document attached. 

The address is NOT on my XXXX, XXXX, or XXXX credit reports. Therefore XXXX is clearly violating the Fair Credit Reporting Act.

As the law requires I am notifing L

exisNexis that the match is erroneous and inaccurate as the law states. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. Several people in the United states have the same name and last four digits reporting on a credit report but not the same address at same time. THE NAME, SOCIAL SECURITY, AND ADDRESS MUST MATCH. IF NOT THE INFORMATION IS INACCURATE. Please reinvestigate the bankruptcy match again. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
This started when Freedom mortgage took over my account. My first statement from them was on XXXX. First they cancelled my home owners insurance without notifying me. I didn't know this until I tried to purchase another home in XXXX of XXXX  and was informed from my loan XXXX. By that time rates had gone up and the best one I could find was an additional {$600.00} a year. 

Then I received a letter from my insurance company that they were about to cancel me for non payment. When I called Freedom mortgage they said it had been paid. That was a lie. I had to have my agent XXXX way call to get a straight answer so that they would actually pay. 

Now that all this has happened that are raising my mortgage payment from {$810.00} to {$1000.00}. 

My county taxes have also gone up {$200.00} this year. 

So its an additional {$800.00} a year. I don't see how they can get away with charging me an additional {$2900.00} a year.

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