vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX Account # XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX  XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with Metro 2 Compliance Standards. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
{ Please Refer to ATTACHED while reading this complaint } XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, on my Equifax Credit Report , is INACCURATE ; It contains an ERRONEOUS 30-day Late Payment. I was NEVER LATE making a payment on this Account. I CLOSED this Credit Card Account in XX/XX/XXXX, and PAID IT IN FULL in XX/XX/XXXX. The STATUS of this Account is CLOSED, CURRENT, and PAID. My Equifax Credit Report is showing a 30-day Late Payment in XX/XX/XXXX, which is SEVERAL MONTHS [ AFTER ] I CLOSED and PAID the Account. I have tried to DISPUTE this ERRONEOUS LATE PAYMENT Information with Equifax and XXXX XXXX XXXX XXXX. Most recently, I DISPUTED it on XX/XX/XXXX to Equifax. Equifax completed this dispute on XX/XX/XXXX, but is still reporting the same ERRONEOUS 30-day LATE PAYMENT Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS.

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting actXX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.

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 2023-10-07 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge 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 2023-10-07 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXXPAYPAL ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge 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 non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I opened a checking account with Apple Bank and deposited {$250.00} cash. 

On XX/XX/2023 I deposited a check. 

On XX/XX/2023 I deposited {$400.00} cash. 

So the only check I deposited ( from Pennsylvania ) was on XX/XX/XXXX. Everything else cash. 

I went to make an online transfer of funds- and there is a hold on {$420.00}. I am unable to access {$420.00} of my money. 

There is NO REASON WHATSOEVER to put a hold on any of my funds. The check cleared a week ago, and everything else I deposited was cash. 

See attached .pdf file, showing my bank account when I log in to Apple Bank website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX # : XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX XXXXXXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with XXXX XXXX XXXX XXXX  and can legally not be reported. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.

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 2023-10-07 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: Credit Control, LLC
State: GA

Complaint narrative:
Never done business with the third party reporting on my credit report. This is a direct violation of my privacy. Dont know how they received my personal information.

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Problem : I ordered two items from Amazon and never received them. I paid for them using my Synchrony Amazon Credit card. 

XX/XX/ -Requested refund ( {$26.00} ) letter- USPS mail Synchrony Bank didn't respond to request for refund until I emailed them on XXXX  through the web site.Basic response was they are looking into it. 
XX/XX/ - Synchrony Bank decision, they were not going to refund me {$26.00}, because Amazon said I received the items ( diced pears and freezer pops ). The information Amazon supplied to Synchrony Bank Clearly shows I did NOT receive these items. 
XX/XX/ - through Synchrony website I submitted a reply with additional supporting documents. 
I inquired a couple of times to see if they were reviewing the additional documents, with no response from them. 
XXXX XXXX XXXX attempted to submit the documents again. I get a message " try again later ''

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 2023-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
My apartment in XXXX, Nebraska has a leasing agreement with XXXX XXXX. When I moved out- under my lease agreement I was to leave the equipment at the residences. Which is exactly what I did. Appartment XXXX sent me to collections for {$140.00} for unreturned equipment. It was originally {$200.00} but they used {$56.00} of credit on my account towards it. I did not find out I was in collections until XX/XX/2023. Looks like it was posted to my credit on XX/XX/2023. 

On the morning of XX/XX/XXXX, I got a written letter via email from my landlord stating they have a lease deal and no equipment was to be returned. Additionally, I called XXXX and let them know my situation. They stated that they never notified me about any unpaid amounts due to equipment. They were going to reach out to their equipment team to see if they could resolve it. 

I got an email on XXXX saying that my " equipment '' has been returned. Basically they nulled the credit to my account. I also went to XXXX online chat support on XX/XX/XXXX to get written proof from the chat transcript. They let me know that the charges have been rectified and that I would be receiving a {$56.00} credit for the incorrect equipment charge that was taken from my credit. 

These charges have already been sent to collections and my credit dropped nearly XXXX points. I need help getting this off my credit. Can XXXX reach out to the collectors to rectify this? Additionally, I have disputed collections with the creditor and the 3 credit bureaus via online. Any help and consideration to fixing this would be greatly appreciated. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX to rushmore servicing.up to that date my loan was up to date at 2 % monthly payments XXXX XXXXXXXXwhen my loan transferred a illegal increase to {$1500.00} in monthly payments from illegal escrow charges for tax and insurance when these are included in my monthly payments.the letter attached clearly states the transfer does not affect any term or condition. My loan was not modified in any way. On XXXX XXXX XXXX all my arrears were paid and my mortgage reinstated and paid up until XXXX XXXX when my mortgage was transferred to the same company with illegal fees and charges breaching mortgage that was in place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: AZ

Complaint narrative:
I was approved for a loan for central AC installation. The amount financed was {$7500.00} at 12.99 % APR with automatic payment withdrawal from my checking account. I received a TILA disclosure from them on XX/XX/ showing the loan term of 12.99 % and payment of {$110.00} per month and a finance charge of {$6000.00} with the first payment due XXXX 

On XXXX  I received a " welcome letter '' from them stating that my APR was 12.99 % and my payment would be {$110.00} per month with a finance charge of {$6200.00}. 

On XX/XX/ I sent an email to them pointing out their mistake. The welcome letter finance charge and payment actually reflected an APR of 13.49 % That same day I received an automated response with a case number and that someone would be in touch shortly. 

I contacted them by phone a few days later and was told that yes this was a mistake and would be fixed before my due date. 

I contacted them again on XX/XX/ to ask about an update. I spoke with a gentleman who told me that " calling everyday is not going to resolve this any faster '' He also stated that my calculation was wrong and that the payment and APR were correct on the welcome letter. At that time I informed him that I would be filing a complaint with the CFPB to which he replied " go for it '' I hung up after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, a cashiers check in the amount of {$15000.00} was deposited at The XXXX, New York branch of M and T bank. The check was cleared on XX/XX/XXXX but the local branch is investigating the check can not tell me why can not tell me when and told me that it was numb available as to why it was locked.

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 2023-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXXr under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. This account needs to be removed from all XXXX consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.

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 2023-10-07 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I received my statement for Comenity The Children 's Place charge card. I paid the card off last month, XXXX. It was surprising when I received a statement with an interest charge of {$2.00}. 

I called and spoke to a representative. I asked her how can I accumulate interest on a XXXX balance. She said interest still accumulates if the balance isn't paid off 30 days after purchase. She said something about an interest saver feature. I thought I was saving on interest by paying off my balance. This is a deceptive feature of their card. 

This made no sense to me. I paid off the bill in XXXX. How is interest still accumulating on a XXXX balance? I wonder how many customers have paid interest on a XXXX balance since they didn't pay their balance off in 30 days after purchase. The customer service rep is supposed to delete the interest off of my account, but I don't trust them. Am I going to get another interest charge next month on another XXXX balance? How can per day interest count on XXXX dollars?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 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: LA

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.

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 inructions 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 2023-10-07 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: LA

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.

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 inructions 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 2023-10-07 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: LA

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.

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 inructions 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