vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: MI

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 account number : 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 th
at 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 2023-05-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # 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 non-monetary relief
Consumer complaint received 2023-05-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Following Accounts XXXX XXXXXXXX XXXX {$1600.00} No account number listed on report XXXX XXXX  # XXXX # XXXX XXXX XXXX XXXX  {$72.00} # XXXX XXXX # XXXX XXXX XXXX XXXX {$16000.00} # 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 non-monetary relief
Consumer complaint received 2023-05-02 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
I want XXXX XXXX, Certegy, and XXXX XXXX to send me a full and complete copy of my Consumer 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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
XX/XX/2023 Steel River Systems , LLC began contacting me via mail, text and phone messages concerning a credit card debt in the amount of {$15000.00} with XXXX XXXX XXXX that was " written off '' or discharged over 10 years ago. In that time, I have rented property, purchased cars and a home with no mention of this " debt '' on my credit reports, therefore, maintaining a credit score in the upper 700 's. It is my belief that this is a " phantom debt '' and Steel River Systems , LLC is a scam organization trying to take advantage of people and their information. I have sent a certified letter to Steel River Systems , LLC to let them know about their invalid claims of trying to collect on a settled debt and to stop all communications and contact attempts.

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 2023-05-02 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: TX

Complaint narrative:
I am filing ths report since Experian ignored my recent dispute. This account that keeps appearing unredacted on my Experian report is not mine, I have furnished Experian with an identity theft report yet they have not removed this. 

This item does not report on XXXX or XXXX, only Experian. Please look into this matter and please correct this error on their part since their reporting me negatively is really affecting my otherwise good 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 2023-05-02 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: GA

Complaint narrative:
On XX/XX/XXXX I disputed several false claims on my credit report from Experian. As a result, they received the letter via certified mail on XX/XX/XXXX. It's now been 30 days since the investigation. Therefore, Experian is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I used my Synchrony Accounts ( Value City and Synchrony Home/XXXX  ) for three " no interest '' promotional purchases which ended in XX/XX/XXXX ( For Value City account XXXX in XXXX ) and XXXX XXXX XXXX ( For Synchrony Home/XXXX  ). To avoid interest charges related to these promotional purchases, I sent payments via checks mailed by my online banking services to Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in the amounts of {$390.00}, {$1000.00} and {$390.00}, respectively ; however, upon reviewing my records, these payments were not applied to my account- resulting in erroneous interest charges to my accounted. 

Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, I have respectfully request all interest charged to my account related to the two promotional purchases and update my account balance with all major credit reporting bureaus ; however, Synchrony Bank has been unresponsive and mentioned to me via phone call " the interest will not be refunded. ''

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 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to file a complaint regarding an inaccurate late payment reporting on my credit reports by TD Bank. Specifically, TD Bank is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. I have never been late on this account. 

On XX/XX/XXXX, I made a payment of {$390.00} to TD Bank for my car loan. However, the next statement generated by TD Bank showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to TD Bank was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from TD Bank showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from TD Bank showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received multiple calls form this company, provided my name and asked what the call was in regards to. They request that I provide information DOB or last 4 of social security number, so I disconnect the call. 

I received an email stated they will take me to court and sue me if I do not pay by XX/XX/XXXX. 

I tired through their site and chat to have information mailed to me and they require me to provide my information again and I refused, so they said they cant help me. 

I call and spoke to two reps who request I provide information asked for a supervisor and he asked for me to confirm the information he had on file. He provided my information and I confirmed that was correct information for me but was unaware of the debt. 

I asked for him to send the information in the mail to the address he had on file and to include the original contract and itemization. The supervisor XXXX refused and said he does not have to provide that information to me but as a courtesy I can view it in their website. 

I informed the site requires me to accept their terms and I do not feel comfortable doing that. 

The supervisor stated that is the only way and they will not mail me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
As of today XX/XX/2023, PHH Mortgage continues to mislead and prolong information needed to Apply for the XXXX XXXX XXXX XXXXXXXX. Ocwen is the origin loan servicer for my loan. PHH Mortgage Services ' information regarding my loan has multiple legal violations in which my mortgage payment her not accurately reported on my statement. A letter was sent to my home on XX/XX/2023 stating that I didn't give them legal consent for my fiance to get information which is totally false. I have given them written consent to allow my fiance to have consented to the information. PHH Mortgage Service continues to use tactics to not resolve issues that are being stated. XXXX XXXX from PHH Mortgage Services continues to avoid giving me the information requested. I have contacted PHH Mortgage Services for years and the refusal of providing the information requested was not provided. PHH Mortgage Services continue to violate the federal consumer financial protection act and state laws governing unfair and deceptive business practices. As of today XX/XX/2023, PHH Mortgage Services failed to promptly and accurately apply for my loan payments, failed to maintain accurate account statements, didn't provide accurate and timely information to me who sought information about loss mitigation services, such as loan modification, provide false or misleading information to me for loan transferred from other loan servicers, improperly denied loan modification several times to me, provided false and misleading reasons for denying loan modifications, failed to honor modifications that were already in process and that had been agreed to by prior lender and servicers that had transferred loans which was Ocwen my original servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/XXXX I sent a {$590.00} payment on my Chime card to my wife. Before she was able to claim it someone stole our phones. That night I emailed Chime and live chatted with Chime and let them know what happened and filed a dispute. Within 30 min and me not even having time to send in supporting documents, they denied my dispute. I told them to appeal it and sent in the police report, witness statements and some more documents On XX/XX/XXXX they told me Id receive a credit by the XXXX I never received it. Then on XX/XX/XXXX I received a email that they denied it. I asked for paperwork and never received it. Since then I have emailed Chime on XX/XX/XXXX, XXXX, XXXX, the XXXX, XXXX all the way up until today for paperwork and someone to reach out to me and Ive heard nothing. I have kept every single email and paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: BROKER SOLUTIONS, INC.
State: UT

Complaint narrative:
On XX/XX/2023, I received notification via the XXXX app that I had two new hard inquiries from two different mortgage companies. I did not inquire with either company. Here is the info I have : 1. XXXX XXXX XXXX XXXX  XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm concerned this may be fraud, and that these hard inquiries will negatively affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Show me the privacy note with my signature that was used to share my PRIVATE INFORMATION with the debt collectors Show the privacy notice to go from different debt collectors Thats a violation of my rights You can not just pass my private information to more than XXXX debt collector without my consent. 


XXXX. ) show me the notice you have Prove the claim amount You claim I owe XXXX $ show me based upon the accounting records how we got to XXXX $ Also the full account number for the account? 

XXXX isnt proving the full account Also the XXXX $ debt you claim I owe? 

XXXX ( Dont just send me statements, which youve never done including signatures and everything else Ive asked for proving the debt is mine Dont just have a statement or another statement, lets not leave it at that. Show me how you got to that claim. Show me my payments my interest rates the signed authorization charges. Digital or Signature or keyed in with a pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I have been dealing with this issue since 2016 Im a victim of identity theft XXXX!!!! I have been catching XXXX trying to prove my identity Ive been contacting all credit bureau after credit bureau to get this fixed and Im not getting any help I found helpful information a few days ago about a data breach with my social security number being exposed and was able to get this contact information my credit has been messed up I literally found out Sunday someone also has a home in my name living in California!! As stated earlier I have made police reports sent in dispute letters complaint and trying to prove things on my credit report are NOT ME!!!! Please help me with these issues its gone on far to long

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX US Bank representative referred my account to your foreclosure dept in XX/XX/XXXX, while at the same time processing my mortgage modification application - see attached record ofvour emails. 
She and I emailed constantly from XX/XX/XXXX to XX/XX/XXXX. 
I even got an Order from a Judge in XX/XX/XXXX referring us to the Modification Mitigation program. 
US Bank would not respond to Court Order. 
I registered on the DMP portal Did everything I was supposed to do. 
I got served by a Court process server in XX/XX/XXXX for foreclosure. 
I wasn't even in default. 
I'm sitting waiting on US Bank to process the modification application while US Bank was processing a foreclosure action.

Now here we are again.

I'm sitting waiting on US Bank to process a modification application while US Bank is preparing to sell my house on XX/XX/XXXX. 

US Bank sent me a letter offering to help me on XX/XX/XXXX and I responded. 
XXXX days later US Bank Attorney got an Odrr from Judge to sell my house. 
I am a full time XXXX XXXX 
I am gainfully employed. 
But I am being denied the right to pay mynown mortgage. 
US Bank are you going to have your Attorney get an Order canceling the sale of my home? 
Are you going to let me pay you? 
You are sending me one thing in the mail and sending your Attorney another thing.

I have complained to the FL Bar on this man when he's only doing what US Bank told him to do.

That is not right. 
We are not on the same page.

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 2023-05-02 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
this Bank of the West credit card is third class credit card and a third class bank, I did report a matter to the Bank of the West and I received a call back from customer service, but rather than apologizing they were arguing with me. 

The thing is that bank of the West needs the customer to verify a code which they sent on the customer 's phone when the customer calls the customer service phone number, and if the customer is not able to receive it, they refer the customer to the branch. so this is highly uncomfortable for the customer to go branch for every small matter, I already called Bank of the West XXXXhree times And each time I get so frustrated that like banging the head on the wall. I had two disputes on two different charges with Bank of the West, I called customer service and just like always, they refered me to the physical branch, I sent them a message in the message section of the App and I got a reply that they need my physical signatures to dispute those charges, since then 14 days have passed and I still haven't received any letter from them, I did write to them on the App message section again but they failed to respond.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
In 2019 I reported the collection agency by the name of IC SYSTEMS, who purchased a debt from XXXX XXXX XXXX XXXX XXXX as well as another agency ( nameless, it has been cleared ). I contacted the bureaus with supporting documents to have the account removed from my report. Both XXXX and XXXX removed the account and also noted that, the company should not be allowed to report this debt again. 
I also contacted the CFPB, in 2019, regarding this company. The account was removed from my account due to fraud, in 2019. However, this same account has been listed as a collection item, once again, on my XXXX credit report. XXXX later. As proven, I have sent validation letters to this company, that went unanswered after the legal allotted time.

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