vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: CA

Complaint narrative:
XXXX XXXX has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury. 
2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.

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 2023-04-03 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: CA

Complaint narrative:
XXXX XXXX  has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 
Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/XXXX I paid US Bank {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted US Bank today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling US Bank I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that US bank sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with US Bank as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.

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 2023-04-03 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: Reliant Capital Solutions, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I contacted Reliant Capital Solutions to negotiate a debt. I attended XXXX XXXX XXXX during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. Reliant Capital Solutions agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that Reliant Capital is reporting this account as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
XXXX XXXX XXXX began debiting my credit card account in XXXX of XXXX for {$420.00} each month, continuing through XX/XX/XXXX. I never gave on-line or written permission for this. In fact, I never signed up for XXXX XXXX. 

I have called XXXX ( phone # XXXX ) numerous times, including on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. When I called on XX/XX/XXXX I waited on hold for over XXXX hours. I could hear the employees in the background laughing at me. I have been told by them many times that someone would call me back. No one ever has. Last time I called, I was connected with the department that handles corporate accounts. I was told they possibly got my account number from an insurance policy had over 7 years ago through my employer, XXXX XXXX XXXX XXXX XXXX. I have asked them repeatedly to send me any verification that I signed up for XXXX XXXX XXXX, or any verification that I gave them permission to debit my credit card. I have never received anything from XXXX. 

I finally put a stop payment in through the Navy Federal Credit Union credit card XXXX in XXXX. The payment still went through. When I called Navy Federal I was told that the government and certain large companies can over-ride a hold. I filed fraud claims for every month that the money was taken out. Navy Federal asked for more information. On XX/XX/XXXX I sent Navy Federal over XXXX pages of documentation, including statements and records of calls I had with XXXX. I asked if they had contacted XXXX to ask for any verification I had given authorizing a debit to my credit card. They continued to ask me for more information. I told them I don't have any more information NOT giving permission for my credit card to be charged. Ultimately I was told by Navy Federal that all they can do is ask the insurance company to return my money. I was also told that they do not any authorization to allow an insurance company to take money out of my credit card. Is this true? I would not expect proof of written or on-line authorization for something like a meal purchase or a moderate one-time purchase but I hope there is some safeguard against monthly unauthorized purchases of over {$400.00}. 

I am appalled and scared to think that a company can use my credit card without my permission. 

I have more documentation if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft and have provided documents such as police report and affidavit of identity that and company will not delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I paided my mortgage for XX/XX/XXXX and XXXX which total {$3200.00}, for 2 months. they want post the payments to my account. saying that the payment was suspense. I don't know what reason. I have documents to prove my case.

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 2023-04-03 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express failed to properly handle a billing dispute regarding an unrecognized charge in accord with the cardmember agreement and federal law. In sum, my credit card was charged {$3.00} on XX/XX/2023 by a merchant called " XXXX  XXXX '' in " Malvern, XXXX '' But I was not in Pennsylvania and have absolutely no idea what " XXXX XXXX  '' even is. I disputed the charge with American Express and today received a notification from American Express that states the dispute is closed because : " We gathered the attached documentation we needed to explain this charge, and we've determined that you're responsible for the amount in question. '' But the so-called documentation is a computer generated " receipt '' that provides the same information as is on the credit card statement. It doesn't say what was bought, certainly doesn't say that I bought whatever it was, and again states nothing more than something from " XXXX  XXXX '' in " Malvern, XXXX '' I am not responsible for unauthorized charges under either the cardmember agreement or federal law, and American Express ' abject failure to make any reasonable attempt to resolve this issue is unacceptable and unlawful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: NC

Complaint narrative:
On XXXX I bought a refrigerator from Lowes using my Lowes C/C. The item was delivered about a week later with doors that were misaligned and 5 huge dents. The delivery folks took pictures and then refuse to take the damage refrigerator back. With in a hour I drove to the Lowes store in XXXX NC and spoke with the appliance manager. He told me since it was ordered on line that there was nothing that he could do and gave me a sticker with their distribution center. After 3 calls I finally was able to get a date to pick up the damaged refrigerator. when the folks came to pick up the unit I asked for paperwork to confirm that they have indeed taken the item. 
Synchrony Bank investigated it for some 60 days and said since I have the item I must pay for it. In XXXX I refiled my claim and again waited 60 days with no contact, no resolve and I am being charged interest and monthly for an item that was returned 5 months ago.

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 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
We sent police report to XXXX XXXX ( original creditor Continental finance of Missouri ) Then we got letter saying we needed to send report through Federal Trade Commission

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 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My home loan with XXXX XXXX/PHH Mortgage Services was illegally and wrongfully foreclosed XX/XX/XXXX. 
I affirm that my home was wrongfully foreclosed because I was under the terms of a trial modification plan and had executed all payments as outlined in the agreement, within a timely manner. However, XXXX XXXXXXXXPHH Mortgage Services acted illegally and in bad faith, contrary to the trial modification plan XXXX XXXXPHH Mortgage Services issued when they dual-tracked my loan and foreclosed on my home. 
My trial modification plan which was accepted and sent back to the lender XX/XX/XXXX outlines I was instructed to make three payments of {$490.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the plans agreement I executed my payments in each month via wire transfer. I have each month 's receipt that prove my payment were credited to " PHH Mortgage '' for each month of the trial payment. 
When I discovered my home had been foreclosed and sold in XX/XX/XXXX, I was still under the terms of XXXX XXXXXXXXPHH Mortgage Services ' trial modification plan, so I understand that the lender, XXXX XXXXPHH Mortgage Services was improperly dual-tracking my loan and made the error to not notify their Foreclosure Department to halt the sale of my home while a loan modification was in effect. 
My home has been sold to a third party now, but I want XXXX XXXXXXXX PHH Mortgage Services to rescind my foreclosure and restore my loan to the point where I should have been in loss mitigation. Additionally, XXXX XXXX PHH Mortgage Services should inform the third-party purchaser of my home that there was an invalid sale transaction due to a wrongful and illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There's incorrect Personal Information 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
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
XX/XX/2022 I began the assumption process with Nationstar Mortgage LLC d/b/a Mr. Cooper to take my brother off of my mortgage. He does not live with me, nor does he make payments, he was only kind enough to help me get a house because at the time I did not have proper work history while I was finishing off XXXX XXXX XXXXXX/XX/2022 I was conditionally approved by Mr. Cooper and have been approved for all the consecutive steps. I was told this would take around 3 months, possibly 5. We are now starting month 9 in this process. 
It will often take 2-3 weeks to hear any response back from the mortgage company, with some of those responses only saying it is being worked on. My brother is trying to buy a house and needs to be off this mortgage in order to secure better rates. I have not been able to invest some of my money because I can't make large withdrawals while this process is underway. Mr. Copper has had to ask several times now for updated pay stubs, proof of insurance, and run credit checks on me multiple times because so much time is lapsing between communications and steps. I have been very clear with my contact persons that this needs to be completed and prioritized, but it is not receiving the attention it needs. This process is causing financial stress, as well as emotional and relational stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Under duress and extortion from Midland funding, the company agents threatened to take my disability income and social security income and told me i have to ACH funds automatically to avoid my social security and disability from taken away from me. I just read that it is illegal what midland threats and extortions. I have been suffering from XXXX XXXX XXXX and sadness. I cant afford to pay my necessity bills as that {$100.00} is ACH. Please help me as they took so much money from me over {$900.00} already. thru duress. I am so so sad. The bill is in my husband 's name XXXX XXXX and I attached the evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2008 I contacted Wells Fargo that I need help with my loan and possible modification. They said they couldn't help us until we were late on our payments. We called before we ruined our credit and even spent our 401k money to stay current. Once we got behind on our payments they said they couldn't help us because our credit was bad. They did nothing to help us and had a realtor lock us out when we were out to dinner.

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 2023-04-03 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: PR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have called synchrony bank to dispute this matter. Someone fictitiously opened this account in my old married name which I haven't gone by in over 5 years. This account was opened in XXXX of XXXX  when i was already married and had a different name. Who ever opened this account also used a address that does not exist. The building has been tourn down for years. I filed a police report on the matter which is attached. This has put a negative marker on my credit and has damaged my credit score tremendously. I have worked hard over the years to get to where I am, and someone is ruining it.

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 2023-04-03 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: IL

Complaint narrative:
I'm writing this complaint to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I see there are unauthorized inquiries on my equifax credit report and i would like them removed. 

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 response to consumer: Closed with explanation