vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
I have mailed out four dispute letters each to XXXX, Equifax, and XXXX, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXXXXXX ; [ MAY ALSO BE " XXXXXXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
I have mailed out four dispute letters each to XXXX, XXXX, and Experian, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXXXXXX ; [ MAY ALSO BE " XXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED of identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX  XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
To Whom it may Concern : I received a call from XXXX XXXX  with One Main  during my work hours which wasnt a good time for me. I will attach a picture and phone number XXXX from One Main called me from. Please request a recording of the call. The call came from XXXX ( XXXX ) XXXX at around XXXX Thursday XX/XX/XXXX the call screen shot is at XXXX duration XXXX 15 U.S. Code 1692d ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt He begin to call out the debt I owed with XXXX and other medical bills. He said I have all your accounts infront of me. With XXXX calling out my accounts I felt he was defaming my character. He also called out the last four digest of my social security as if he has me cornered. This is a violation of my consumer rights 15 U.S. Code 6802b. 

He then told me where is your moral. He then begin to call out my place of residence in a threatening way, letting me know yea I know where you live. I immediately thought about my wife and kids of now having protecting them, thinking of one day XXXX XXXX  could show up at my place of residence. I felt very threaten now I have to live my life wondering if he will show up to my place of residence. 

I felt threatened this is a violation of my consumer rights 15 U.S. Code 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
I felt abuse and profane language towards me from XXXX XXXX  when he said where is your moral, you have charge off you owe conns and the medical debt. 
This is a violation of my consumer rights As a I felt I was extremely harassed, threatened and coerced into making a payment to the One Main account we discussed. This is a violation of my consumer rights 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 

He then transferred me to a supervisor who begin to say you breach your contract. This is the first time I experienced this type of behavior from One Main and this is unacceptable. My rights were violated! I am very shakin by this treatment from XXXX XXXX  of One Main. I had to have a conversation with my wife which she is now worried that XXXX can show up to my address at anytime. This is XXXX to my heart soul mind and family. 


I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Abuse and Harassment 3. Harming my reputation 4. Obscene and Profane Language toward the hearer 5. Attempt to coerce into paying debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Santander froze ALL of my accounts after I deposited a check from a business made out to me. This company has made multiple payments to me but XXXX of which were bounced for unknown reason. Santander said since the company bounced XXXX checks my account is now frozen and under investigation. I was asked about my job and what it entailed so the next morning I went to the branch and provided my job contract as well as detailed billing to this company. It has been over 2 weeks and I am getting no where with the fraud department and can get no timeline as how long this will take. I have repeatedly called and asked what else they need and get nothing but rude phone operators saying call back next week. This is unacceptable to freeze all accounts for this long. All my automatic bill payments are coming back unpaid and soon this will effect my credit.

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 2022-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I find it offensive that someone from AMEX debt collection feels it appropriate to call me regarding contacting someone with the same last name. 

They called asking about their need to urgently contact my brother. They never said they were debt collectors. I never told them it was my brother ( who I have no contact with ). 

AMEX had no permission to research and find my phone number through its internal records or running a credit report on me. I never gave AMEX permission to access my records and use them for their debt collection agents. 

This is highly offensive and most likely a violation of Federal law. 

They have no rights to let others know you have a debt collection issue with a customer. 

I tried calling them back to protest, no live person. I called their executive offices, they refused to transfer. The email to send complaints is not valid. I did email their CEO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My father passed away a little over a year ago. I notified Nissan and continued to make the payments on his lease. I asked to assume the lease so that I can buy the car at the end of the term. 

Nissan made this process purposefully difficult. I have complied with every request in a long and arduous process. On their direction, I transferred the insurance into my name. 

Nissan just notified me in a very ambiguous letter that they are denying me for the assumption of the lease. When I called to ask why I was being denied, they told me that there was too little time left. This does not seem to actually be one of the reasons that they stated in their letter. If this is the reason, they dragged this process out on purpose. 

They tried to tell me that I could bring the car in at the end of the lease and then buy it for market value instead of the favorable price that it is in the lease contract. 

I feel I am being taken advantage of in a time of sorrow. I have good credit, excellent income and I 100 % qualify to assume this lease. I request that the CFPB help me assume the lease. I also request that the CFPB look into the tactics of Nissan. The lease buy out option is very favorable and they are trying to switch me into buying the car at market value. The ethics and legality of this tactic speaks for itself. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I chose Better mortgage for my most recent home purchase because they had an offer where you receive a {$2000.00} statement credit if you take out a mortgage with them. I was promised by my mortgage representative that my card was eligible and approved. After closing, I never received my credit. I reached out to Better.com several times and never got my credit or any real answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to make a Venmo payment to a new person last week, and though there was no fraud involved, Venmo shut down my account. 

Venmo stated at the time that I would have a clear answer why within six days, but 10 days have elapsed and Venmo has not even replied to my several emails. 

I spoke with a Venmo customer service rep in the XXXX and she said she would resend my request marked " urgent. '' I still have had no response from Venmo. 

This low level of customer service violates what Venmo has stated in writing to me and also violates their Terms of Use agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I was approved for XXXX XXXX credit card for XXXX needs issued by Comenity Bank. The card nor any mail communication have been received making it impossible for me to register online to make a payment or see my balance as a result I missed my payment. On XX/XX/XXXX I sent a personal check to the address on the XXXX website. Check has not been cleared as of XX/XX/XXXX. I called XXXX XXXX, Comenity Bank, Bread Financial customer service just to find out their phone line is down. I contacted my doctors office with a request for partial refund to cover outstanding balance on my account. My dentist was nice enough to refund more than my balance due was at that point however the refund did not go toward decreasing my balance due. Calling customer service line became my daily routine, It is still unavailable to this day. As a result my account was reported to credit bureaus causing damage to my credit at the time when I am about to close on the property. I have tried to use Easypay system, however it requires credit card number that I never received. Finally, on XX/XX/XXXX I was able to get hold on customer assistance via email I had to search for online. The representative confirmed XXXX customer service line and some website functionings are down. She was able to provide me with the account number to use to submit payment via their Easypay system, however Easypay system does not accept my payment stating an error in processing my request. At this point there are absolutely no options for me to submit my payment. Meanwhile my credit remains damaged and making me ineligible for finalizing purchase of the property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Payment due XX/XX/XXXX Payment made electronically on XX/XX/XXXX Marcus Goldman Sachs credits payment on XX/XX/XXXX and charges {$160.00} interest When I called them last week they entered a dispute claim and emailed me 5 days later saying there was no error. 
Called them today ( XX/XX/XXXX ) and spoke to a supervisor, who told me no dispute had been entered, only a complaint, and then told me she entered a dispute and I would hear back within 90 days. Did not ask me for any information from my credit union. She first tried to tell me it was " trailing interest '' and I informed her that I had overpaid my previous balance by about {$100.00}. I have a confirmation # for the payments from my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
DEPT OF ED/XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF ED/XXXX  has violated this law because this late payment is reporting on TransUnion 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF ED/XXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.

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 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My SSN was ran by XXXX different lenders for car buying and I didn't make these inquires or authorize then. I contacted the company, but all companies advised I contact the credit bureau. I contacted Transunion and they advised I fill out this 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
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC Has reported to the 3 major credit bureaus that I have in collections 2 accounts with 2 different amounts and stating that they were opened on 2 different dates. One is alleged to have been opened on XX/XX/2021 with the amount of XXXX past due, and the other is stated to have been opened on XX/XX/2021 with the amount of XXXX past due. And both theses debts refer to the same card issued by XXXX XXXX XXXX. Neither account is correct. There were not 2 different debts owe on the 1 card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to Experian, XXXX, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on 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 explanation