vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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:
Experian has not fixed any of my information : My credit limit is XXXX with XXXX XXXX and they are not reporting the credit line, available credit or on time payment history.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit cards were used by someone other than me

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 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I recieved notification that I had collections for an electric bill in texas with XXXX XXXX Phone # XXXX ( XXXX ) XXXX The report came from Transworld Systems Inc XXXX # XXXX The electric company is located in Texas. I live in Washington and have for several years The collections company sent my bill to my washington residence. Once I contacted them and pointed out the difference in states, they immediately told me to report as fraud and informed me that they would remove from my report. It has been several months and I have called multiple times with no resolutions. I've also called the electric company and they can confirm that it was fraud but nobody has taken the steps to remove me from the debt. Both companies today have told me to make a report with this website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/22, I called M & T bank in an attempt to close all my existing accounts. I was told my account was inactive, which is fair since I haven't used it in awhile. I was put on hold while a supervisor helped me unlock my account. Then I was told the account can not simply be closed, but instead I had to decrease my balance to {$0.00} first. I went onto XXXX in an attempt to buy a gift card with the remaining balance in my checking account of {$0.00} and the transaction was declined. I attempted again and this resulted in another decline. In my final attempt to clear my balance, I tried logging into my account after I confirmed my username and used a temporary password the phone operator had given me. I still can not log in. I just can not believe the resistance I had to push through which ultimately ended up in failure. It is pretty ridiculous I have to contact the CFPB and waste everyone 's time when all I want is to simply close all my M & T accounts.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have sent multiple notices to the American Express headquarters addressed to XXXX XXXX. i sent the first letters around XXXX or XXXX and until now they have not credit my account. the remittance coupon i received from my statement I signed with the beneficiary signature or at autograph. I even sent a cover letter notarized. at that time the amount was for around XXXX until now they have yet to credit my account. I sent this first letter certified mail with a returned receipt so i know they received it. they wrote me back saying i don't need to make further payments and that an investigation is ongoing. i called to check because it took awhile for them to respond. they wrote me back up saying they need proof of money order my bank account and some nonsense. i knew this was a stalling tac tick. I wrote them back saying this is an attempt to settle a debt and that I have already provided them with all the information. on the online portal i also send them a cease and desist letter explain that they are engage in trust fraud and they can be fined XXXX they closed the online investigation and completely ignored me. they had the audacity to wrote me back saying they have the right to report to the credit bureaus that i owe them due to my terms and agreement but t I am not an employee so their policy does not apply to me.Policy does not override law then I sent them another letter explaining i am a sovereign and I am the original creditor and the banks do not loan money. they are the debtor they double dip in our XXXX XXXX XXXX trust and expect us to pay again plus interest. in my last letter to them i wrote on the remittance coupon money order on it per they requested. pay in order to the united states Treasury signed my autograph with the uniform commercial code. ucc 1-308 ucc3-603 ucc 3-104 ucc 3-306. Because of their GREED they refused to credit my account. in the same letter I gave them ( Debtor ) has three ( 3 ) business days from the date of postmark on this mailing to POST the enclosed MONEY ORDER, the remedy regarding this matter. In the event Debtor fails to provide a remedy, whereby Debtor will be stripped of all immunity the UNITED STATES public policy may have otherwise afforded him. Upon dishonor, Debtor agrees in the alternative to Involuntary Bankruptcy that will be initiated on Debtor in a private capacity ; In the event Debtor dishonors, Debtor agrees to be placed on a UCC-1 Financing Statement with the Secretary of State, as the Debtor and attaching to it the Invoice ( s ) and any or all fees pursuant to the enclosed Fee Schedule No. XX/XX/2022. 
Money order. ( XXXX ) A negotiable draft issued by an authorized entity ( such as bank, telegraph company, post office, etc. ) I also sent them notice of liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company is receiving my checks and does not post them right away. I have received several late fees. I have proof of mailing from my bank yet Capital One does not apply the payments right away. 

Also, the minimum due does not make sense. One Customer service representative incorrectly explained interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Mortgage payments have been on time since XXXX, mortgage servicer transfer occured in XX/XX/XXXX. SPSS now the new servicer is unable to assist by reapplying funds which have been sent on time and ahead since before the transfer of the mortgage. Now instead of paying ahead, it looks like I am behind now on my payments, and the mortgage principle appears to be off as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IA

Complaint narrative:
Starting in XXXX there were charges to my card that were not authorized. I only use the card a couple of times a month to pay my bills, so did not notice right away. 

When I realized, I cancelled the card and got a replacement. I also sent a letter to the company with all the charges that are not mine. It was sent on XX/XX/XXXX. It has been at the post office there since XX/XX/XXXX, and is just sitting there. No one is picking it up. I have tried calling, but can not get through to a real person. 

The charges are almost daily starting XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX Account- # XXXX Resurgent/ Lvnv Funding- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/XXXX of this year I received a phone call from an Amerisave Mortgage Corporation XXXX  XXXX XXXX XXXX  asking if I would be interested in a getting a home mortgage from their company. I happen to be searching for a home loan so there call was very timely. I disclosed to the agent my information including, current income status and source of income. credit information and access. I let the agent know that I am retired and on a fixed income. After checking my credit he let me know that I qualify for a FHA home loan. He also stated that I have to lock -in rate for the mortgage which would cost XXXX to lock in the rate at 4.5 % I did hesitate initially however I called back and agreed to the lock-rate and paid the XXXX The representative advise that they could give me a loan with a locked rate based on our conversation. He indicated I could purchase a home up to XXXX to my amazement since other companies had approved me for much less. I did question how their company could pre-approve for that amount and he stated that they are different because they don't spend any money on advertising. Anyway, I sent the agent copies of my income verification for both pension and social security. He checked my credit from the start and approved the above stated approval. He also provided a certified approval letter for the same amount up to with the loan amount of XXXX. However, once I found a house put down earnest monies the loan amount was changed three time and ended up being XXXX, no where near the certified approval. Nothing had changed my income was all verified before the approval letter was issued. They also had me bringing every bit of my access to the table and expected me and the sellers to simple accept we made a mistake with estimating your income. This is clearly a case of BAIT & SWITCH. Currently, my earnest money is in jeopardy along with the XXXX for the rate lock, the sellers has lost time and money keeping their home off of the market waiting for a closing to happen and trusting a certified pre-approval is a commitment from the mortgage company that the loan amount approved. Both seller and buyer agents have worked constantly trying to make some sense out of this mess. The mortgage companies response is only we made a mistake. After, conducting some on line research of this company I realized that in XXXX they were sued for the exact same practice. This is just unacceptable!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Target sent an authorization {$44.00} ACH to my XXXX XXXX XXXXXXXX back in XX/XX/2022 to my account from their system without my permission I never submitted the approval it was done automatically without consent through their system. I have disputed the {$44.00} ACH directly with Target with no resolution and then I submitted a complaint with the bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MD

Complaint narrative:
XXXX XXXX XXXX # XXXX {$23000.00} XX/XX/2012 ACCOUNT REPORTING 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 non-monetary relief
Consumer complaint received 2022-09-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I sign a contract with XXXX XXXX XXXX on XX/XX/XXXX for 5 years @ monthly fee for {$45.00} later on XXXX home security taken over the company. They started increasing fees every now and then after calling and had a discussion they reduce the fees this practice was going on for the last two years, after 5 years I terminated the contract on XXXX XXXX giving them one month notice letter sent on certified mail and paid in full all there dues. 
After cancelation they tried to get me back on a new contract with them offering me numerous sales tactics but I didn't want to do anything with them. 
Last invoice was XX/XX/XXXX for the amount of {$62.00} and paid with my credit card, they mistakenly duplicate the charge and later refunded. 
Last XXXX I received a letter from debt collector McCarthy, Burgess & Wolff for a amount {$100.00} I replied disputing it. Yesterday again they sent me a letter stating see attached documents but there are no attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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'm a living human being, a natural person. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 168XXXX. My rights to privacy have been violated, I did not give Equifax permission verbally nor did I give them written permission to display in private or in public, these accounts on my credit report. I need these accounts removed asap. accounts listed below. Thank you. 

XXXX XXXX XXXX, XXXX  ( tXXXX XXXX XXXX XXXX  ) XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mortgage XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

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 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX I received an email that Citibank lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now Citibank is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within 1-2 months max. None of this recent actions are justified.

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