vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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:
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 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 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 2023-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. 

\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for Bank of America was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. 

Thank you for your time in the above matters.

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 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We need help. 

Husband and I have sent now 4 messages by email and through the portal on the Mr. Cooper website. Our loan was originally serviced by XXXX never had any issues, but it was sold by XXXX to Mr. Cooper and we have had nothing but problems. They continually are impossible to get a hold of and do not respond to any of our messages asking for specific details about our escrow account. We need you help to have them answer our specific questions as the math they are provided does not add up. Further we have been charged late fees by XXXX XXXX XXXX tax due to their incompetence amounting to over {$250.00} and now they are saying we need to pay an additional almost {$410.00} because of their miscalculations to our escrow account. We can not afford this. It is absolutely awful what they are doing. And the math does not add up. We have asked many time for them to contact us by email but we are continually ignored. We are very concerned as this lender as many lawsuits related to mishandling of mortgages and particularly escrow accounts in the past. 

Our tax amounts have not changed. On XX/XX/XXXX we have a {$94.00} surplus per letter they sent. Now just a few months later ( again no changes have been made by county tax office ), they are saying we have a deficit of {$5000.00} on XX/XX/XXXX. The numbers make no sense. 

We have asked repeatedly by phone, email and the customer service portal to speak with someone in leadership to have our account properly reviewed and our questions answered directly by phone or email. But for months we have been ignored. 

I am attaching a copy of these escrow statements as well as a copy of the original email I sent that still hasn't been responded to since XX/XX/XXXX to customer service and a XXXX. 

Look forward to hear back very soon. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Icsystem inc I did not authorize you to put this on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted Experian/ XXXX and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY EXPERIAN. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX  XXXX DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.

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 2023-05-31 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: FL

Complaint narrative:
I've been trying to dispute some unauthorized inquiries in my Equifax Credit report. I have call several times, spoke with fraud department and they said to fax the dispute with a FTC ID Report and the unauthorized inquiries. I did it a few months ago and they never investigated. I did again over their website and they answer the same day saying that inquiries stays in your credit report foro 2 years. I already submitted the report with the FTC and Equifax won't do anything. They are violating my rights and the Fair Credit Reporting Act. If they don't delete those inquiries immediately we are sue Equifax. Everybody knows Equifax don't investigate and don't follow the law. They are also responsible for a lot of DATA Breach. 

Disputed inquiries : 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am writing this complaint in response to Target letter dated XX/XX/2023. Which Ive included a copy of the letter, Consumer Financial Protection Bureau, case number XXXX. 

I find it perplexing that Target would even consider honoring a refund request for a debt agreement that has already been executed. It is evident that the debt was paid in full according to the terms of the agreement. Therefore, it raises serious concerns as to why Target would allege to have entertained such a request without proper justification. 

As a responsible consumer, I understand that the concept of a refund is typically associated with situations where a payment has been made in error or for goods and services that have not been provided. 

However, in the case of a collections debt agreement, where the payment has been fulfilled and executed according to the agreed terms, it is unreasonable to expect a refund. 

Moreover, the refund check remains uncashed. This is because Target already possesses the full amount of {$520.00}, as per the executed collections debt agreement. 

I kindly request that your office conduct a thorough investigation into this matter and ensure that Target XXXX provides a detailed explanation for their decision to entertain a refund request on an executed debt agreement. 

It is crucial for businesses like Target to maintain transparency, uphold the integrity of their operations, and provide satisfactory resolutions to their customers. 

I appreciate your attention to this matter and request that you take appropriate action to address this complaint against Target XXXX. I have enclosed copies of relevant documentation. 

Please feel free to contact me if you require any further information or clarification. 
Thank you for your time and assistance in resolving this complaint. I look forward to a prompt and favorable resolution to this matter. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I opened a Barclay Wyndham Rewards Earner Plus Card in early May with a welcome bonus of XXXX Wyndham Rewards Points after spending {$1000.00}. As of XX/XX/2023, I had spent {$1600.00} which is well above the {$1000.00} required to earn the bonus. Sadly, only the XXXX reward points earned through spending were transferred to my Wyndham account, not the XXXX bonus points. 

I contacted Barclays customer support via phone about the issue shortly after the statement was generated and they told me to wait upto five weeks citing those terms but they did not read the portion above that where it said that the bonus would be reflected in my Barclays account on the billing statement made after I qualified to earn the bonus.

" The bonus points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus points to be deposited into your Wyndham Rewards account. '' from the FAQ on the bonus and reward earn. 

I downloaded the PDF statement for XX/XX/XXXX, after I had made the charges to qualify for the bonus and only see the XXXX points, excluding the extra XXXX I am entitled to. PDF is attached, along with FAQ page. 

Barclay is not honoring the terms of the promotion and awarding the points as needed. Customer Service either does not understand the issue or are unwilling/unable to correct 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX of XXXX  a credit card was opened with asynchrony bank in my name. 
The account was not opened by me and synchrony has confirmed that no ID was verified when the account was opened in person. 
A fraud claim was opened in XXXX of XXXX. It was reopened once they received my documentation regarding the dispute. 
I provided them with the information for the individual who I believe is responsible. A prior tenant who has since abandoned the property and blocked all communication with no forwarding info. 
Despite many months of follow up, all documentation and providing statements they requested the claim remains unresolved. In addition to a mysterious second charge since the initial opening purchase which they can not tell me what it is for, the company continues to place collection calls and place delinquent payment notices on my credit report despite repeatedly telling me that I am not required to pay while it is in investigation status. 

Synchrony refuses to bring this claim to resolution and allow me to speak with the fraud investigators to bring this to a close. 

I believe they are in direct violation of their own resolution policies and this case should be dismissed 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 2023-05-31 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
I have file complaint before about updating my credit report address Yes they addendum my New address but still refuse to remove address XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report that is not a deliverable address for me I cant not receive any USPostal mail at that address and it needs to be removed from my report I have literally asked for this over 13 times as of today

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 2023-05-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These inquiries were obtained without my consent 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

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 2023-05-30 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: GA

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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/XXXX I did an ach deposit from XXXX XXXX  and XXXX ( envelope money ) into Capital one. They have held my money {$2200.00} hostage for XXXX XXXX  months now and won't do anything to release it. XXXX has reached out to capital one multiple times and capital one wont work with them. I guess the next step is to get a legal team involved and will sue Capital One for holding my money hostage as causing life problems because I can't get my money. They never answer the phones when I call and make me leave a message and never contact me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO EXPERIAN, XXXX, AND XXXX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 1. appropriate proof of the identity of the consumer 2. a copy of an identity theft report 3.the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The loan is for our son and I believe originated in XXXX. Over a year ago the remaining balance of the loan was placed on a monthly draft from our checking account for $ XXXX. For some reason the payment did not draw in XXXX of XXXX. I have contacted Citizens bank and they stated that they tried to call me to let me know the payments were not being received. The calls were made to a land line number which is no longer in service. They didn't follow up the phone attempts with a letter, but instead placed the loan with a collection agency. I have contacted Citizens ( XXXX ) twice to offer getting the payment fixed including sending them the {$300.00} for the months the draft was not drawn. They have told me they can no longer help me as the loan has been assigned. I also spent XXXX minutes working with our credit union to determine why the draft was not sent, and was told clearly that the problem was not on their end. I have been in contact with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, XXXX ). The have offered a settlement to terminate the loan which we are willing to do, but they want to receive the payoff in a rather unreasonable timeframe of {$1000.00} XX/XX/XXXX and {$1900.00} by the end of XXXX, which is basically the {$2900.00} settlement amount in 30 days. This would be difficult, but might be possible over XXXX  months. 
The bottom line here is that I feel totally manipulated, first by Citizens Bank and now by the collection agency. We have made a good faith effort to make this right with the bank, and I don't feel like i should even have to deal with the collection agency, but I will in an tempt to put this behind us. Any assistance you can provide on our behalf in the matter would be greatly appreciated. I also want this resolved without and affect on my XXXX XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation