vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.

604 a section 2. Also state a consumer reporting agency can not furnish your account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one closed 2 of my credit cards today XX/XX/2022. One of the credit cards I just got approved for on XX/XX/2022 and hadnt even received the card in the mail yet. The original account was closed due to returned payments which I tried to explain the funds were available in my account at the time and they should not have been returned. I let them know I can print off a statement to verify. I also made a payment that posted immediately once I noticed the bank returned the previous payments. The last payment did post. The card I was just approved for on XX/XX/2022 that they closed has not even been used yet nor the card received in the mail. I just linked the account 2 days ago when I received the approval email. Capital One customer service and the accounts department was completely unhelpful in trying to find a resolution for at-least the account that was just opened. This makes an impact on my credit report as well as having an extra inquiry on my credit report. The account being closed that has not even been used yet is completely unacceptable and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX, 2022 {$1400.00} deposited aXXXX XXXX XXXX and it showed in available funds, XX/XX/XXXX XXXX XXXX  it doesnt show and we have bounced check fees. The {$1400.00} covered all check costs. This so not the first time this has happened. It constantly removes funds that were showing in the account, it does the same with transactions.

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 2022-09-10 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: Incomm Holdings Inc.
State: MI

Complaint narrative:
I purchased a Vanilla Gift card at XXXX on XX/XX/XXXX. When I tried to use the card 30 minutes later the funds were already used. I contacted the company and they told me that I had to wait 8 days to file a dispute. I contacted them XX/XX/XXXX and sent them the requested packet of information. There has not been any response to my inquiries at their dispute resolution email ( XXXX ) and when I contact their customer service call center XXXX, they do not assist. They continue to direct me to the same email with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Please refer to complaint number XXXX which I filed. 
I do not agree with Upgrade 's response and see below their response. 
Company 's Response Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/2022. We are sorry to learn that you were dissatisfied with your experience at Upgrade. On XX/XX/2022, you opened a Rewards Checking account through Upgrade. Please note, a Rewards Checking account is a separate product from an Upgrade Card with a personal line of credit. As of XX/XX/2022, you do not have an Upgrade Card account. In order to have qualified for the {$200.00} welcome bonus, as disclosed in the promotional offer you attached to your complaint : To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus. As there was no Upgrade Card account opened, you were not eligible to receive the {$200.00} welcome bonus. We apologize for any confusion. As a courtesy to you, if you open an Upgrade Card in the next 30 days, you will be eligible to receive the {$200.00} welcome bonus. If you have any additional questions, please contact our XXXX XXXX team at ( XXXX ) XXXX, Monday through Friday, XXXXpm MST, or email XXXX XXXX XXXX. Sincerely, Upgrade , Inc . 

Please see my response ADDITIONAL COMMENTS HI, The promotional terms are as follows and you can please refer to the attached terms o qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Upgrade states on their response to my complaint an Upgrade Card with a personal line of credit If you look at their terms and conditions it doesn't mention that you have to establish a personal line of credit. They just mention on their official terms that you can get the bonus by opening a rewards checking account and make 3 debit card transaction within 60 days of the Upgrade card account opening which I did. There is no mention on their terms that a personal line of credit has to be opened to get the bonus. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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: OH

Complaint narrative:
I sent a letter off on XXXX XXXX, 2022. Here is my tracking # XXXX, # XXXX, # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-09-10 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: OH

Complaint narrative:
I sent a letter off on XXXX XXXX, 2022. Here is my tracking # XXXX, # XXXX, # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, McCarthy Burgess & Wolfe has violated my rights 15 USC 1681n. Willful Noncompliance and the XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 Accounts which have been forwarded or sold to another entity ( Debt Buyer ) Shall be removed. I am requesting this account removed immediately. Upon contacting your office and being told that you no longer service this account and that it was sent back to the original creditor you declined to remove the account from my business credit report. You were also informed that this issue was a residential/personal matter that was not in anyway connected to my business entity or my business address and you still refused to remove the account. Your placed theses collection account on 2 XXXX XXXX XXXX. At this juncture you were informed orally and in writing. 

15 USC 1681n, States : ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
The account was reported on XXXX on XX/XX/XXXX. On XX/XX/XXXX I paid the account in full under the verbal agreement that it would be removed from my account. 
It has been over 2 months and they have not updated this paid status to any of the credit bureaus.

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 2022-09-10 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: SC

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX There should only be one address listed on my report XXXX which is XXXX XXXX  XXXX XXXX XXXX, SC XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXX XXXX 4.XXXX  XXXX 5 XXXX XXXX XXXX XXXX 6. XXXX XXXX Please remove inaccurate employers as well as listed below : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-09-10 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: AL

Complaint narrative:
XXXX XXXX Bank is currently showing one late payment on Transunion for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be XXXX Protected, and XXXX is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be XXXX  Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with Transunion, XXXX, and XXXX they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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: AL

Complaint narrative:
XXXX XXXX Bank is currently showing one late payment on XXXX for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX  protected. Equifax is showing one late payment for XX/XX/XXXX which should be XXXX  Protected, and XXXX is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with XXXX, XXXX, and Equifax they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: AL

Complaint narrative:
XXXX XXXX Bank is currently showing one late payment on XXXX for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be XXXX Protected, and Experian is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be XXXX Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with XXXX, Experian, and XXXX they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I have made payments via automated direct electronic system with American Honda Finance, however, it shows Potentially negative in my credit report. My credit score was reduced from XXXX to XXXX points because of this error.

Company response to consumer: Closed with explanation