vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
A-L Financial Corp keep re-aging the Charged Off date as well as change my positive payment history, in which, is illegal. I received a Charged Off XX/XX/XXXX with the explanation that Consumer ( I ) is not able to be located ( I still live in the same location and A-L Financial Corp was aware of this ). I contacted A-L Financial Corp to informed them of their inaccuracies and to go to court if needed. I also contacted XXXX Bureau to correct the inaccuracies. The account is closed but I received another Charged Off from A-L Financial Corp in XXXX for the same closed account. I had two charged off for the same account. A-L Financial served me to go to court. I went to each court appearance to correct all matters so I can pay the remaining balance on the closed account as well as A-L Financial Corp needed to remove the double Charged Off from my closed account and correct the inaccuracies. 

Although my A-L Financial Corp account been closed with the original Charged Off date of XX/XX/XXXX, I paid my closed account in full. I received a stamped certificate from the court that the XX/XX/XXXX XXXX XXXX closed account is paid in full as well as my title for my vehicle. Yet, A-L Financial reported to the XXXX Bureau to place a Charged Off on my credit report on XX/XX/XXXX and deleted the XX/XX/XXXX original Charged Off. 

Preventing a debt from disappearing is illegal and result in a defamation of character. Re-aging a debt for this reason is a FCRA violation. Violations of this provision may result in civil penalties of {$2500.00} per violation. 

I still keep my credit reports. The terminology of the credit reports shows abbreviation for Charged off is ( CO ) and Collections ( C ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: NY

Complaint narrative:
YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. 

I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. 

MY APPLICATION WAS APPROVED. 

I RECEIVED THE CARD. 

I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. 

DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. 

I USED MY NEW CARD ONCE. 

I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. 

I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. 

I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. 

I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! 

I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Amazon 's Credit Card- through Syncrony : Initially set up an autopayment for the minimum due, in case I missed making the payment I wouldn't get dinged for missing with fee 's and a 30 day late- which all banks want to do to you to raise the costs to you. That autopayment unbenounced to me wasn't going because I was already making payments during the month to pay down the card. I was confused when I calculated the amounts over the last 6 months that should have been made as to why the cards balance was still so high. It was because NONE of the autopayments had gone. I then adjusted the autopay to be {$50.00} which was higher than the minimum due by far. This over 6 months would have paid off the balance ( along with the extra payments that were made ). Instead it goes additional months- with interest - that's not acceptable. Synchrony will tell you that it's to avoid double payments and avoid NSF 's, I can see that use case as well. But, for me it's about paying the debt off as quickly as possible. Why do I want to pay interest if I don't have to? 
The letter today was - ( attached ) your autopayment is {$0.00}. The online system tells you that you are paying {$50.00}, that's another issue. This is screwing the customer for additional interest and that's not acceptable. 

If I have an amount in my autopay- it should get paid. They can't chose for me. This adds additional interest to my account.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
On XX/XX/XXXX I received fraud alert message from fortiva XXXX unauthorized charge on account that I haven't used over 1 year. I cut shredded card 1 year ago and no longer have access use. I immediately called fortiva about unauthorized charge and completed an Affidavit. I followed up XX/XX/XXXX fortiva rep confirmed Affidavit received on XX/XX/XXXX by email and after placing me on 1 hour hold rep confirmed fraud charge removed from account Old card canceled and a new card issued. Ive been monitoring account everyday since and on XX/XX/XXXX same fraud charge XXXX reappears on account. Hours on phone fortiva refuses to assist me. 15 hours phone calls fortiva refuses to assist me. I want XXXX fraudulent charges removed from account immediately. Horrible company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX of 2022, I submitted disputes to Equifax, XXXX, and XXXX about accounts listed on my consumer report as being inaccurate and false reporting. I clearly stated the law requires them to furnish accurate information on my credit report and to do a thorough investigation into the problem which was not done. Each time I disputed something on my credit report that I know was inaccurate they would come back within 7 days saying the information is verified ; I would never get any information on who verified it or who they spoke to absolutely nothing. Now the law clearly states the following : 15 USC 1681a 603 FCRA ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Social Security Card or Drivers License are considered credit cards under the TILA definition of a credit card for which they both were used to obtain credit and by law is excluded from being reported. 

Just by this section alone none of the accounts on my consumer report should be there but they are and that is a violation. The practices and procedures used by the credit reporting agencies are unfair and unjust to me as the consumer. Their investigation process is flawed and unfair and is damaging to me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/2022 from a company called Cawley & Bergmann , LLC a debt collector stating they are attempting to collect a debt that I owe to XXXX XXXX, XXXX the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too XXXX XXXX infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has failed to delete a fraudulent account that was listed twice on my credit report they never provided me with proof of to verify the account I have sent in numerous complaints with the company trying to resolve the issue I still have my receipts of the certified letters they refuse to properly updated my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried to o contact XXXX services about unauthorized transactions on my debit card.tried several times to contact banks fraudulent dept.no one picks up.this all accurred around the XXXX of XXXX while in hospital

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 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX XXXX XXXX and XXXX  requesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this 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 non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a mobile deposit ( phone photograph ) of a payroll check from my employer, a XXXX XXXX XXXX, on Friday XX/XX/XXXX at XXXX, an email from my bank, Capital One, informed me an hour later, that a hold would be placed on my account until XX/XX/XXXX, because of a high likely hood of the check being returned this despite the fact that it is a government payroll check and i have made mobile deposits with the same bank from the same workplace two weeks prior that triggered no hold. i believe this is an intentional scam because i am a credit card account holder and my credit card payment is due XX/XX/XXXX, which i now wont be able to pay on time, thus enabling Capital One to charge me hundreds of dollars in fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im contacting cfpb because my account was paid off on XX/XX/2021 and its still reporting on credit as a active account. 

I disputed the account with credit and the account was still updated with a balance of 13k when the balance has been zero for a year. 
My credit need to be updated immediately

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 2022-03-05 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items 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
Consumer complaint received 2022-03-05 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: NY

Complaint narrative:
Balance transfer payment of {$7000.00} from XXXX  to Barclays/JetBlue XXXX canceled and payment returned to XXXX  but transaction of official check posted twice each for {$7000.00} on Barclays/JetBlue XXXX account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items 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 explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I was approved by Paramount Residential Mortgage Group to purchase a rental property, I have enough funds to close the deal including reserves, I have a XXXX credit score and no debt except the mortgage on my own home. I have held the same job for 19 years. I was denied at the last minute claiming that they were unable to verify my income. That is false. I provided 2 years of XXXX 's, paystubs. I provided my employers name, phone number, address of the business, and email address. They did not contact or verify my employment with my employer. The seller refuses to give me an extension of time, as he has a backup offer, and my {$5000.00} escrow deposit is at risk. Please see attached documents. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation