vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
This is a follow up to complaint # XXXX against navy federal credit union . I sent Navy Federal another email on XX/XX/23 at XXXX as follows : I have attempted today to pay the remainder {$120.00} balance on card ending on account XXXX. I paid {$500.00} on this account on XX/XX/23 from the XXXX account ending in XXXX that is not reflecting on the account! Why in the world can I not pay the remainder balance! Why is this account greyed out?? My mother has nothing to do with what is going on. How can we pay bills if you all are purposely jeopardizing the account because you think I am a scammer?! My mother called navy fed and had the remainder balance extended out until the XXXX why can I not use the same account that was used to pay the {$500.00}??? 

Update XX/XX/23 My mother just called them again at XXXX and the representative has made a note in the system stating that it is in system that {$500.00} came out of the account ending in XXXX! My mother keeps stating that she has authorized me to use the card. I am DONE with Navy Federal and XXXX is my witness that I will not stop until I prosecute this credit union to the full extent of the law the same way they unjustly have tried to do me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: OCMBC, Inc
State: CA

Complaint narrative:
In XXXX started with XXXX XXXX and in XXXX XXXX sold my contract to OCMBC. Now OCMBC sold my contract to XXXX in XXXX. OCMBC has not sent my XXXX payment to XXXX yet. I was assured there would be no problem with the payment. I'm now experiencing issues with my credit and it effecting opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
account was closed with no reason why XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my Discover Card account. Despite submitting an official police report, FTC Identity Theft report, and contacting the fraud department multiple times, XXXX have failed to adequately investigate or validate {$310.00} in charges made without my authorization on my Discover Card. As a result, the balance is incorrect and is being reported incorrectly. 

Not only have Discover reported inaccurate, unverified information to XXXX, harming my creditworthiness, but XXXX continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring their urgent attention. 

The simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 

I am officially demanding complete statements itemizing all account charges and expect XXXX and Discover to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 

I have already suffered serious financial and emotional harm due to XXXX 's mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. I believe that XXXX is in cahoots with Discover to keep this negative file on my report without providing adequate evidence that i made these charges. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions. XXXX also refuses to block the fraudalent and inaccurately reported account from my report! This is a blatant violation of my rights. The specific provision in the FCRA that addresses my situation is found in Section 605A. This section outlines the procedures for blocking information resulting from identity theft. According to the FCRA, credit reporting agencies must block the information within four business days of receiving an identity theft report, which may include a police report. XXXX refuses to honor this right!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

has violated my rights. Or list of inquiries 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 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 2023-12-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Contacted XXXX XXXX  in XXXX by Phone as they are overstating my overall debt by {$14000.00} showing that I have two accounts with them. They confirmed that this is correct however they could not and would not correct the issue with Experian until I sent a letter into them in detail stating the same issue that I called about. I wrote their Credit Dispute Department in XXXX XXXX in detail as to the issue as instructed. I also filed four disputes with Experian Credit reporting and they advised me every time my dispute was rectified and corrected which it has not. I contacted Experian as XXXXXXXX XXXX claims it is their error in reporting. My XXXX XXXX report and XXXX are correct only showing one account however Experian as of today shows two accounts with the same number and same amounts. Experian refuses to correct the issue and referred me back to XXXX XXXX. I contacted XXXXXXXX XXXX again who verified there were two accounts reported and that I only have one account yet they refuse to correct it and deny they ever received communication from me. I have now sent the letter by Certified Mail the second time. I am tired of contacting XXXXXXXX XXXX and Experian Credit Reporting. If this is how these two business 's operate someone needs to look into their practices and their failure to correct their errors thus affecting my credit report and overstating my total debt to others.

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 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I just received a Change in Terms notice from Synchrony Bank for my Lowe 's credit card. They plan on charging customers a {$1.00} monthly fee to receive paper statements. How is this possibly legal?? What are elderly people or any other demographic without computer access supposed to do? I am truly shocked the CFPB allowed this type of change. 
But then again, you are the same agency that is forcing credit card banks to lower late fees. You realize you are removing the incentive customers have to pay their bill on time, right? 
So, you are good with an unnecessary paper statement fee but not ok with a legitimate late fee. Brilliant.

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 2023-12-21 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: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am uploading a letter that need to be answered by PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Turning Point Solutions LLC
State: MD

Complaint narrative:
Since XXXX  XXXX XXXX XXXX has sold my debt to multiple collection agencies to collect an alleged debt due to them going through bankruptcy. Each collection company has to try to settle with me for different amounts in order to coerce me into claiming a debt I do not own and have reported to FTC before the debt was sold to the first collection company. This new company has harassed me through email to try to collect this debt but they do not have my correct name and I am not volunteering any new information they do not already have so they can try to build a case to prove the debt is indeed mine. It is illegal to debt park per the FTC. XXXX  XXXX has parked fake or questionable debts on my credit reports and then waited for me to notice the damage when I tried to get a loan or a job. XXXX XXXX XXXX used this illegal debt parking to coerce me to pay debt I do not owe or do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It's been more than 30 days, and XXXX hasn't responded to my inquiry. They're supposed to follow up on investigations, and them not doing so breaks the law. Ignoring my request is a violation, and I need them to take this item off my 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have a credit card with Barclays - Wyndham rewards Visa card. I called them on XX/XX/XXXX to let them know I was going through a difficult financial situation. I asked them to lower my minimum monthly payment. On XX/XX/XXXX, they let me know my payment plan was approved under the name " XXXX XXXX XXXX, '' my new payment will be a {$190.00} minimum payment on the XXXX of every month. I made the first payment under this plan on XX/XX/XXXX. Since that date, I have been paying {$190.00} every XXXX of the month. However, they have been acting weird since then. At the beginning of XXXX, they called me and said I had to make the monthly payment, but I explained that I was in an XXXX payment plan. They told me my plan was canceled for lack of payment, although my payment was not due until almost the end of the month. They told me they would re-activate the payment plan again to start over. I didn't know why they did that, and it was a bizarre situation. Since XXXX, they have been reporting my account to the credit bureaus, so I have received emails saying my Barclays account has been impacted negatively. They have been calling since then repeatedly, almost every single day every month, to remind me about my payment. In the last XXXX months, I told them I already had a payment plan, but they said they didn't see it in their system, so after checking for a few minutes, they told me they found the info. Every time they call me, I answer the phone, but the call hangs up. I feel like this company is doing something wrong, and they are harassing me with their phone calls or hanging up every time I answer. I don't feel it is fair to keep paying a company that doesn't respect their terms, ignoring what was agreed, and harassing customers with phone calls for no reason. I ask you to investigate and help me with this situation since I am doing what is right, but they are acting abusively against me.

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 monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: MI

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to address a matter of utmost importance regarding the accuracy and completeness of the information currently being reported by your company. Following a meticulous review of my updated report, it has come to my attention that there are discrepancies and incomplete details that require immediate rectification. 

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 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 explanation
Consumer complaint received 2023-12-21 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: MI

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.

has violated my rights. Or list of inquiries 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 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 2023-12-21 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:
CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery calls my phone repeatedly using multiple numbers and when I contacted them through chat they were unable to locate any account information with my name, phone number and last 4 digits of my social security number. I have no debts owed or negative remarks on any of my 3 credit reports and I have very good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust. 

MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief