vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: 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. 

Account name : XXXX ACCT # XXXX, Account Name : XXXX ACCT # XXXX Account name : XXXXXXXX XXXX  ACCT # XXXX, Account Name : XXXX XXXX XXXX ACCT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today, XX/XX/2022, I received an email ( attached ) from Capital One stating they are closing my accounts, both checking and savings. I logged into my accounts online and each has a banner stating '' Funds not available for withdrawal '' ( screenshot attached ) and I was unable to make any transfers or do anything in the account. There are NO branches near me, not within this state or the next one, so I have no options to physically visit a branch. They did not give me any reason. They provided an open-end date for when they will return the money in my checking and savings accounts. Total amount is {$1900.00} ( checking plus savings ). I need that money for my rent which, like most American 's is due by the first of the month. I had been on hold for more than XXXX minutes and spoken to the customer protection XXXX at Capital One ( " XXXX '' ) and asked for a supervisor, which she was not willing to connect me with, even though I was calm and clearly asking for a specific date that my money would be make available, she said " I'm just trying to understand your frustrations '' like anything about my situation is unclear. I was passed on to " XXXX '' and he said the outstanding balance is greater than the funds available. None of this makes sense to me! Capital One is an FDIC insured bank and it is illegal for them to hold my money and make it unavailable to me. I have banked with Capital One for over XXXX years, so this is very frustrating and shocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/2022 made ach payment to PNC. on XX/XX/XXXX PNC said my bank stopped and reversed payment. On XX/XX/XXXX called PNC to question why funds were reversed. Then called my bank XXXXXXXX XXXXXXXX XXXX XXXX to see if they did intact stop or reverse payment. They did not. Called PNC back. They wanted me til XX/XX/2022 because of holiday. On Monday XX/XX/XXXX I called back. They wanted me to submit bank statement. I went to local PNC branch had them send in information to start research. Called my bank and checked PNC on line both Pnc and XXXX XXXX XXXX. To check on funds. PNC kept saying it would talk 7 days to resolve. Called back XX/XX/2022. To PNC to find out what happened to my payment. Was transferred to 3 different people. All of which new nothing. Finally was transferred to local back again. Which has nothing to do with this problem. He called someone and said nothing had been done yet. So again XX/XX/2022 I sent them in a complete statement from my XXXX XXXX XXXX  ACCOUNT that showed ihad not recievied my funds back. They said it would that another 7 to 10 days to research this information. I said this was unexpectedly taking to Long. I have already wanted 7 days tomorrow. She said they would give me a call back in 24 hours. So far everything they told me is not happened. And today they verified they have not stopped any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: World Acceptance Corporation
State: CO

Complaint narrative:
For two years, Ive asked for World fianance to validate this debt. Theyve submitted false social security numbers to reporting agencies and incorrect amounts. Multiple times have they showed up to my home to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I noticed on my account webpage 3 charges that I did not make. As soon as I noticed these charges, I alerted Bank of America. The charges were made XX/XX/22 and XX/XX/22. I explained that my credit card number was stolen, stated that I did not make the charges, and asked for a new account number and credit card to be mailed to me. The representative issued me a new account number and told me that a new credit card would be mailed to me. A temporary refund was made for the disputed charges. 

Today, I received a letter stating that my charge dispute was denied and that I would have to pay the {$710.00} and that it would appear on my next statement. The reason issued was that the goods were delivered and, therefore, I had to pay for them. 

These goods might have been delivered but they were not delivered to my address. Every online purchase that I make is always delivered to my home address and these items were not delivered to my home address. 

I am extremely upset that my charge dispute was denied. I have not made prior purchases at these retailers at which my card was fraudulently used : XXXX XXXX, XXXX XXXX and XXXX. 

All of these transactions were identified as online transactions and, therefore, no signature was captured for any of them. 

Bank of America is holding firm that I made these charges and I absolutely did NOT make these charges. I use the credit card frequently and have placed many, many charges on it. I did not, however, make these charges. 

I hope this issue can be resolved and that Bank of America will acknowledge that I did NOT make these charges and that these items were never delivered to my residence.

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 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had completed making interest accrued payments to my account with Affirm , Inc totaling {$630.00}. I currently have made payments to two open " loans '' starting on both XX/XX/XXXX and XX/XX/XXXX on my Affirm account totaling {$2500.00}. Affirm , Inc has been collecting funds through extortionate extension of my credit each time I extended credit to them by lending my Social Security Card to Affirm , Inc to even receive credit. The credit I had extended has not been properly applied to my account. Affirm , Inc has then continuously made several calls at least twice a day and sent various text messages to my phone in a form of harassment to demand I continue to make these unjust payments. Affirm , Inc hasn't sent anything in writing stating or confirming that I owe Affirm , Inc anything. I do not and have not received an invoice or any statements or full disclosures in regards to my account with them. Affirm , Inc has also threatened to charge off my account and send my non-public personal information to a third party to collect on this extension of credit if I did not pay the asked amount. Affirm , Inc has also been reporting and furnishing negative information to the credit reporting agencies in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis is the unable to provide certification and official documents to validate accuracy to the US XXXX XXXX XXXX XXXX XXXXXXXX shows on my Public Records from XXXX and XXXX credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is XXXX XXXX accurate on there file. Multiple individuals, under my name shows on records, and Lexis Nexis or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
On or about XX/XX/2021, I applied with Network Capital financing Corp. for refinancing my property at XXXX XXXX XXXX XXXX, Ca. XXXX. 
After submitting all necessary applications, documentation, and tax returns, I was approved. This loan was then bought by XXXXXXXX XXXX XXXX XXXXXX/XX/2021. I continued to make my monthly payments according to the loan agreement. 
Last month, the loan went back to Network Capital Funding Corp. I was instructed to make payments to them, which I have been doing since. 
A few months ago, Network Capital contacted me and wanted more financial documentation, such as personal and business 2021 tax returns. I was reluctant and confused about the reason for this request, but I complied and sent the tax returns. 
During the last month, I have been contacted on multiple occasions by different people from Network Capital, insisting that I need to refinance again because they got audited by the government, and because they failed to follow certain guidelines, the loan was kicked back to them.

I was told that the property would be foreclosed if I didn't agree with refinancing.

I have submitted all necessary documentation for this loan. If Network Capital fails to abide by the government 's guidelines, it is their problem .it seems they want to refinance with a higher interest rate, so the loan is more profitable.

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant lowered my credit limit from {$1000.00} to {$250.00} without notifying me. The limit decrease was done sometime in late XXXX or early XXXX. When I logged into the account the limit had been lowered so I requested a copy of the credit card agreement. I received the credit card agreement in XXXX. On XX/XX/XXXX XXXX weeks after I received the credit card agreement I received a letter back-dated to XX/XX/XXXX stating that the company had lowered my credit limit due to a credit report that they had pulled. The company did not provide me with a copy of the credit report that they used to determine this information. My balance with Avant has been paid in full every month as have all of my other credit cards. There is no new information on my credit report showing negative behaviors. This credit card decrease was made in bad faith and then intentionally hidden which is fraud. I have never failed to make the minimum payment. exceeded my credit limit, used my account for an illegal transaction, had a new bankruptcy, and I have complied with all terms within my credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Made aware through employment rejection that credit report contained potentially fraudulent accounts or misreported information. 

I found the information to be unverifiable and sought inquiry as to first validate the debt. Written communication was sent on XX/XX/XXXX, via certified mail seeking debt validation documents ; still not provided as of XX/XX/XXXX ( 33 days ). On XX/XX/XXXX, a cease and desist letter was mailed to the collection company for inability to validate debt within 30 days upon reception of the request. 

The account in question should be removed from my credit profile immediately, as the right to an expedient resolution has been denied and further consideration only delays employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-14 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: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
Hi, In XX/XX/XXXX I went to XXXX XXXXXXXX XXXX  hospital to visit my XXXX While I was there I lXXXX XXXX  in the hospital whole way then I woke up XXXX XXXX  after the hospital team instead to take me to a room and check my XXXX XXXX despite my request not to get any medical service then I got discharge after XXXXXXXX XXXX  I was not informed that I will getting charged for them checking my XXXX XXXX. Then I noticed in XX/XX/XXXX that its reported on my credit report as a medical collection bill of {$1600.00} from XXXX XXXX collection over the incident that happened at XXXX XXXX XXXX XXXX that happened XXXX. XXXX and I explained it above. In XX/XX/XXXX XXXX I field a dispute wheres XXXX XXXX over that collection since beside the fact I didnt agree on receiving any XXXX XXXX from that hospital from first place I also had XXXX XXXX cover that kinda incident and the despite me providing them with my XXXX XXXX the collection refused to resolve the issue since the medical bill has went into collection and the only way to remove it from my record is to pay it from my own pocket. The dispute file number that XXXX XXXX in XXXX is XXXX submitted in XX/XX/XXXX. The result of the dispute got denied from the Clark county collection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
To whom it may concern : Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : Credit Collection Service Account Numbet : XXXX Account name : XXXX XXXX XXXX Account number : XXXX You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My chase credit card was charged for {$720.00} for an online purchase at XXXX XXXX that neither myself or my husband made. I reported this fraud to Chase and they issued a new credit card. After waiting for over a month, they sent a letter saying my claim was denied. I called them and they said that my husband bought an XXXX controller ( he did not and does not even own an XXXX ). They said they would reopen the claim but to also call XXXX XXXX, which I did and they claim that the purchase was made for curb side pick up at a location over an hour from where I live. They also say they will " investigate. '' This is absolutely ridiculous we have been Chase customers for years and have always paid on time/ never filled any other fraud claims. I will be leaving Chase if they do not resolve this issue and refund us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I have disputed a fraudulent collection twice on my XXXX XXXX credit report on XX/XX/22 from XXXX XXXX - original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX They do not physically answer calls & there are no other options to even speak with someone unless you are paying with a credit card. I have spotless credit & this is a scam. I've had the same phone number for the last 13 years. Please help me get them to remove this from my credit report. 

Thanks so much, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
My only name I go by is XXXX XXXX, the Consumer Reporting Agency has it listed as XXXX XXXX XXXX, I would like this updated. I also have several inquiries that I did not authorize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation