vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have contacted Right Path Service in XXXX to request my PMI be removed, I was told my account was not current, I immediately made a payment to bring account current because they are holding funds unapplied accounts for no reason, after bringing my account current, I requested again in XXXX to remove my PMI insurance, this company refused to honor my request, as I am eligible and my home had the require equity to remove PMI Insurance, this is not fair, these companies are making money off struggling homeowners, also, I am seeing other related charges on my statements : broker price option, is this illegal to keep adding extra cost to my mortgage. I have been approved for the XXXX program who makes my mortgage payment of {$1100.00}, and my current payment is {$1000.00}. This company is holding these funds in unapplied accounts and not applying to my mortgage. Please help me resolve this issue ASAP as the PMI Insurance needs to be removed ASAP. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I applied for a PaylPal line of credit, run by Synchrony Bank, on XX/XX/XXXX. I got approval for {$4300.00}. I put a moving bill of {$2300.00} on it the same day. The bank pulled my credit, creating a hard inquiry on my report that registered on my reports XX/XX/XXXX. A new account was reported on XX/XX/XXXX. I just received notice today ( XX/XX/XXXX ) FROM MY CREDIT REPORT NOT PAYPAL OR SYNCHRONY that this account is closed. It actually close XXXX days after it was approved and opened. 

Called PayPal and they said it was synchrony banks decision and they couldnt reverse it or explain it other that it was flagged as a reporting issue. 

Called synchrony bank and they said it was high risk and due to activitywouldnt say if it was activity in my credit report-which there has been NONE since they pulled my report and approved this credit line-or the activity on the credit line which again, has a single bill from a moving company and I havent even been a customer long enough to get a statement never mind make a payment so Beware! PayPal and synchrony bank can ding your credit report with a hard inquiry, open AND close an account within days of each other with no fraud or poor credit practices on your part, which also dings your credit score! I got points off for the inquiry and a massive drop with an account opening and closing within a week WITH A BALANCE ON IT! It totally destroyed my score! The only thing fraudulent and high risk is doing business with PayPal or Synchrony Bank! They can destroy my credit report with zero repercussions! Fraudulent and highly predatory! Creating issues on my score to reflect high risk when they are the cause!!!

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to 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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Hi I received the Alerts fr my XXXX XXXX coz someone used my Identity getting renting Apt and Utility bills and cables I called the Company I told them I don ; t live in XXXX XXXX I live in XXXX XXXX for almost 35yrs I have stollen Identity theft and that's my problem right I receiving a lot an open an Acct under my names even buying Cars and also they used my DL # I report this to XXXX and changed my DL #. I called the credit bureau to freeze my Acct coz of this Fradulent Acct under my names some of this peoples using or carry my Identity still out there specially I got report one of Collection under Columbia Debt Recovery in XXXX XXXX that I owe almost {$16000.00} for renting a Apartment and also XXXX  Debt Collection I owe almost {$3500.00} for Cables and XXXX XXXX XXXX 
the4 Cpmpany 's is Columbia Debt Recovery-phone # XXXX XXXX XXXX XXXX-phone # XXXX XXXXXXXX XXXX XXXX XXXX AND ALSO A LOT OF NEW CREIDT INQUIRY UNDER MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX Loan # XXXX It has recently come to my attention that there may be defects in the original contract that was entered into when the above-listed credit account was established with a Navy Federal Credit Union XXXX which may invalidate our present agreement. According to XXXX, the definition of a Finance Charge is The sum of ALL charges. The Truth-in-Lending Disclosure that I was provided with states that the Finance Charge is The dollar amount that the credit will cost you. These two things are not synonymous and do not mean the same thing. This is recognized as an error in disclosure ; therefore, it qualifies as a criminal act of giving false or inaccurate information because you failed to provide the information required by law to disclose. By not telling me the Finance charge is not the sum of all charges you did not give me proper disclosure of the material disclosure that is required under truth and lending. Which in turn means that I did not have adequate notice. Upon discovery of this deceptive and unfair practice, this resulted in a misleading representation of me as the consumer. This willful negligence to disclose truthful information has led to the conclusion that a truthful credit transaction did not occur. Because I was misinformed, there was no meeting of the minds in this transaction ; therefore, this contract is considered null and void. According to XXXX XXXX. XXXX ( g ) ( b ), a creditor who fails to provide verifiable proof of an alleged debt within ( 30 ) -calendar days forfeits their right to further collection activity and repudiates the debt. I will expect your response to my demand for the correction of your errors or the documents requested above within XXXX calendar days of your receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
The only name I should have on my CRA report is 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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: HI

Complaint narrative:
Contacted XXXX about the letter I received today regarding a debt of {$90.00} dated XX/XX/2022 and they didnt find any debt or missed payment from my account. The letter from TRS recovery services stated I owe the amount that originated from XXXX marketplace pmts.

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 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management
State: FL

Complaint narrative:
On Wednesday XX/XX/XXXX at approximately XXXX hours I called Fox collections to inquire about the date my dispute was entered. The agency in particular, office manager, XXXX XXXX, refused to provide that information, when I was willing to provided the appropriate information in particular the account number and or reference number for him. 

According to the CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. 


If you choose not to verify your identity by providing the requested information, for example, your Social Security number, the debt collector generally will ask you for another form of identification. That could be an account number for the debt in question ( if you know it ), other contact information, such as your current or previous address, your phone number, or one or more of your most recent transactions with amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it 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 2022-10-12 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:
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  : Acc # XXXX, XXXX XXXX : Acc # XXXX, XXXX : Acc # XXXX, XXXX XXXX : Acc # XXXX XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX XXXX  : Acc # XXXX, XXXX XXXX Acc : # XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX  : Acc # XXXX, XXXX  XXXX XXXX XXXX Acc # XXXX, XXXX  : Acc # XXXX, XXXX XXXX  XXXX : Acc XXXX XXXX XXXX  : Acc # XXXX  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 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. XXXX  HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR XXXX XXXX XXXX 

CREDIT COLLECTION SERVICES UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT AND UNLAWFUL. 

ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. 

XXXX  IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

IN ADDITION, SECTION 1681C ( A ) ( 5 ) REGULATES HOW LONG INFORMATION CAN REMAIN ON A CREDIT REPORT, BUT NO 1681C PROVISION REGULATES WHEN INFORMATION CAN INITIALLY BE INCLUDED IN A CREDIT REPORT. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED AND PLEASE INVESTIGATE FOR WIDESPREAD ABUSE. 

THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2022 I received a text that identified as Chase bank that asked if I had made a transaction in a XXXX XXXX  in Texas and to reply YES or NO. I replied no and the next text said a Fraud alert specialist would call. The phone rang and caller ID also said Chase bank. The man said that XXXX people were trying to make transactions in different amounts through XXXX out of our Chase account. He asked if I knew them and I replied no. He said that if I would open the application he would help me reverse these transactions and our money would be returned in XXXX hours. On XX/XX/XXXX, he called as promised and I told him I was concerned about the amount of money taken out, {$4500.00}. He reassured me and kept going, he had me so scared as I'm on XXXX  and XXXX, he even gave his name and employee ID number. During my call my husband contacted Chase who told him not to worry about it that this is how it is done. Over 24 hours all this money was removed. Chase bank refunded the money to our account and 10 days later took back saying that I had done this knowingly and their research dept determined it was my fault. I'm XXXX and that was all the funds we had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX BANK Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt 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

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 2022-10-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, U S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit account opened fraudulently, many purchases were made fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  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 a account without my written instructions

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 2022-10-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover reduced my credit limit from {$3000.00} to {$500.00}. I do not have a single late payment on any account and I always pay far more than minimum on my payments. My scores have foolishly lowered because of usage, but now my scores are even lower because Discover lowered my credit limit. Yes, I understand how credit works. That still doesn't mean it's not absolutely foolish. My son who has several judgements and collection accounts has higher credit scores than I do right now, and I have an absolutely perfect payment history. It seems to me this would be a very clear indication of how unfair credit ratings are. I understand a creditor having the option of lowering your limits if you have had late payments or filed bankruptcy. They should not be able to lower your credit limit because of a temporary score. Temporary is the key word there. The scores are fluid and change rapidly, yet a credit card company may check your score once every 6 months to a year and may just happen to come across your score after a major purchase, so the foolish analysts that are paid to predict the future decide to lower your score ( kick you while your down ) and then say this is fair practice even though the consumer has more than lived up to the agreement made when the credit limit was established. Of course, it also depends on which score you're referring to. There are many! It's an absolutely foolish system and it provides very little, if any, financial protection for the consumer. All the protections are for the lender. My limit should not have been lowered. I had a {$3000.00} limit and only a {$30.00} balance. Now because of some overly educated fool who developed an automatic system to protect the bank, I am forced to suffer via my credit scores and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then 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 non-monetary relief
Consumer complaint received 2022-10-12 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:
in accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then XXXX 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