vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
My complaint is with Synchrony Bank. I have been harassed by early morning calls and calls 7 days a week including at XXXX XXXX today. It's well more than 7 calls in a 7 day period. I have blocked the number at this point to try to stop the harassment but I still get woken up frequently by the voicemail notifications. I was called literally every day from XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, etc. They have been doing this for at least 3 years. 

XX/XX/XXXX : XXXXXXXX XXXX 
XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX I can provide a LOT more including other violations of the 7 calls in 7 days rule.

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 2023-06-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This doesn't belong to me I never had a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Accounts : 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 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 2023-06-23 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2023-06-23 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 a credit card from XXXX  XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX speedy cash has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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 a credit card from XXXX  XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted

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 2023-06-23 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Bear with me, my name is XXXX XXXX LVNV Funding or Resurgent Capital Services or Resurgent Debt Collection, all one company operating under different alias ' claim that I owe them upwards of at least {$25000.00} and I have never opened an account with them, applied for an account with them, nor did I willingly give them my Name, number, social, email or mailing address, therefore they stole all my identity and are now using it to extort me out of money that they claim I owe them. I'm aware of my rights and I stand on them so as a surety I mailed them a " Cease and Desist '' letter on XXXX XXXX, 2023, they continued to harass me, therefor an invoice and a list of violations they committed were mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Power Finance Texas opened a " Payday Loan '' In my name without my permission. Power Finance Texas LLC, Did not verify the information on my credit file before approving said loan, and then Power Finance Texas proceeded to fund someone elses checking account. I have tried contacting them several times, and I do not receive any response. Power Finance Texas falsely accused me of receiving said loan, I have extended fraud alerts on my credit file, and they state that the company must first CONTACT ME before approving any loans because I am a victim of identity theft. Power Finance Texas did NOT contact me and went ahead and approved this loan for someone else, yet charged me for the loan. I can not access this account, nor can I retrieve the credentials because it's tied to information that doesn't match mine. It sends a text to some phone number ending in 1921 which again I do not own. That's not my phone number. Additionally I can not retrieve the email address that they stated was used " XXXX '' Because this is not my email address and it's not tied to my information. Power Finance Texas additionally sent these funds to a bank account with some company that I do not own. I had a report pulled, and It showed this is a XXXX XXXX account, This account was closed for Identity Fraud, and I do not own the account, nor do I have access to any funds in the account because it's closed due to Identity Fraud. Power Finance Texas sent these loan 's proceeds to someone elses account, and opened the account without my knowledge or consent and they refuse to do anything about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing this since 2021 under this complaint # XXXX only for it to continue on my report with no valid information in writing to advise it its accurate. On XX/XX/XXXX i contacted Experian to advise that a address is not valid and i have never lived at needs to be removed ( Fraud ). The address is XXXX XXXX XXXX XXXX which i never lived at. Experian said it can not be removed as XXXX XXXX XXXX is reporting that address, how is that i never lived there and i definitely have no account with them. Disputed initiated under # XXXX and came back accurate. I contacted the bureau again and asked what documents did they show to advise that that is indeed my address that they are attaching to that account. I was advised nothing it only came back as accurate, well that is fraud how can you keep a account attached to my name that Im telling you I never lived at and have no account relationship or done any type of business with this company. Im willing to take legal action as Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy to 15 us 1681 b 2 this company has no permission to report anything using my information pursuant to 15 us 1681 4. I hearby demand the deletion

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I believe I am a victim of a long-term process of loan flipping by multiple mortgage lenders, including Community Loan Servicing XXXX XXXX XXXX, and maybe XXXX XXXX XXXX 

Over the past ten years, we have had trouble keeping up with our mortgage payments, and on several occasions ( including a post covid refinance ), we have neared default and foreclosure. Each time, the lender offered a modification method that featured a loan refinance. These refinances would always include a new loan with higher rates and longer terms. 

We accepted multiple modifications over the years, thinking it was our only option. Today, this leaves us with a higher outstanding principle than when we started and higher ( mostly all interest ) payments. 

We now find no progress on our principle after over ten years of making payments and a new refinance ( 40-year mortgage ) with XXXX XXXXr, where the payment is mostly interest. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally Financial has contacted my mother and ex husband multiple times. They may have contacted other people Im not sure but these are the two I know about.

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 2023-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
Complete Credit Solutions reports a collection account on my credit file for XXXX. I did not take out a loan for XXXX. I have tried contacting them to verify the accuracy of the delinquent account numerous times, including requesting copies of my signature for the loan and the company refuses to provide actual documents with my signature and proof that this is my debt. I disputed the account with XXXX, XXXX and XXXX and the account was not removed.

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 2023-06-23 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This doesn't belong to me I never had a contract with 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 2023-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This doesn't belong to me I never had a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a previous complaint about another matter with the CFPB in regards to a payment issue with this same account. This complaint provides additional evidence that the company did not take the action they told the CFPB they would take and instead closed my account with a negative remark impacting my credit and potential borrowing power in the future. This puts in risk my ability to obtain a mortgage in the future. 
I have attached a letter for the credit company stating they closed my account due to dishonored payments ( it was XXXX that was the subject of my previous complaint ) this letter is dated the XXXX. 
The company responded to XXXX on the XXXX with the full knowledge that they would close my account and report a negative closure but excluded that from the response letter they submitted to the CFPB. I have attached both.

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 2023-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am kindly requesting assistance in obtaining a copy of the claims prepared by Bank of America following to the stealing of my money. 
At the beginning of XX/XX/XXXX I called Customer Services to request a copy of my claims that I had to provide for the lawyer. Unfortunately, on XX/XX/XXXX, Bank of America sent me a letter regarding claim number XXXX, which I did not ask for. Today I called again requesting that the following claims be sent. The lady answered that she does not know when it will be possible. Therefore, I ask for help in obtaining the above documents.

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 2023-06-23 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
There are two complaints. While in XXXX on XX/XX/XXXX I booked a stay at XXXX in XXXX, I put in the wrong dates, corrected the dates and stayed at the hotel for 2 nights on XX/XX/XXXX. When I recieved my statement from Barclays Choice Privledges there was a {$290.00} charge for correcting the dates. In addition the second complaint is I recieved a {$630.00} charge from the hotel and a {$720.00} charge from XXXX for the very same stay, I was double charged. I have filed disputes with Barclays and XXXX and have been unsucsseful. Barclays transferred my Choice Privliges card to XXXX XXXX In XX/XX/XXXX, they have inhertied these issues.

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 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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