vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
violation of FCRA VIOLATION OF METRO 2 COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
violation of FCRA VIOLATION OF XXXX XXXX COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX is trying to collect money from me that I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
ON XX/XX/2021 I LEARNED OF A {$6700.00} CASH ADVANCE ON MY CREDIT CARD. I DID NOT DO THIS TRANSACTION BUT WAS TOLD AFTER THE INVESTIGATION I WAS RESPONSIBLE. SEE ATTACHED NAVY FEDERAL CREDIT UINON STATEMENT ... I QUESTIONED? WHY IS TRANSACTION DATE AND POSTED DATE DIFFERENT? NO EXPLANATION... WHY IS ONE OF REFERENCE NUMBERS ALL XXXX? NO EXPLANATION. PLEASE HELP ME. I AM DESPERATE. THANK YOU IN ADVANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
I temporarily had auto insurance on a temporary vehicle through Progressive XXXX. The policy lasted six months and was paid for and cancelled. Progressive tried to collect beyond this even though the policy was cancelled and not in effect. They were not insuring me for time that was not paid. They claim a balance of {$370.00} and sent to collections via Cane and Weiner. The policy was cancelled XX/XX/2021 fully paid, and in XX/XX/2021 they said I owed {$370.00} but could not provide me with documentation as to how that amount was owed after the policy cancelled while being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-02-16 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: Fidelity National Information Services, Inc. (FNIS)
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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This is related to complaint XXXX for XXXX. NFCU has not been able so far to send anything proveing I ever agreed to be a co-applicant or co-owner of a credit card my husband opened in 2011. They are now withdrawing funds from my seperate savings account to make minimum payments because they say the agreement they can not prove allows them to do that and they will continue to take the money out of my account monthly. They further will not return the payment they took without any authorization unless I sign an agreement to be responsible for the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
in the previous complaint, SPServicing and XXXX XXXX lied to CFPB and the consumer. 
they claim : " Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. '' my response : SPServicing is flat out lying!! I submitted the adjuster 's worksheet for the wind damage on XX/XX/XXXX!! I have proof of that!! Let me know if CFPB would like to see my proof!! it comes from their own website!! Management of SPS and XXXX XXXX is flat out lying!! see attached PDF file!! I submitted the adjuster 's worksheet on XX/XX/XXXX!!! 

They Claim : " An inspection with XXXX has been ordered on XX/XX/XXXX. You also mentioned that the flood and wind claims should be treated separate. Due to the date of loss being XX/XX/XXXX, for XXXX damage, wind and flood funds are monitored as one. '' my response : THIS IS YOUR CHOICE AND YOU SHOULD COMMUNICATE THIS TO THE BORROWERS YOU ARE SERVICING!! 

They claim : " Please note that a voicemail was left for you on XX/XX/XXXX, requesting that you return call to XXXX XXXX ( Loss Drafts Department ) at XXXX " My responses : " AND I DID CALL HER BACK AND LEFT A VOICE MAIL FOR HER ON HER EXTENSION XXXX ON XXXX, XXXX AND XX/XX/XXXX AND SHE NEVER CALLED ME BACK!! AGAIN, YOU ARE LYING TO COVER 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 2023-02-16 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: MD

Complaint narrative:
Police and FTC Report for Identity theft filed for XXXX XXXX XXXX XXXX ( credit card {$16000.00} ) and XXXX loan attempt,

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 2023-02-16 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: MD

Complaint narrative:
Police and FTC Report for Identity theft filed for XXXX XXXX XXXX XXXX ( credit card {$16000.00} ) and XXXX loan attempt,

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 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Last Monday, XX/XX/XXXX at around XXXXXXXX XXXX, I received unsolicited multiple text messages from Remitly stating that " We were unable to process your transfer to XXXX XXXX we need additional information from you. Log in to your Remitly account for details. 

Remitly knows that my account is already closed! because it was REMITLY themselves who closed this account because of unrecognized transactions that were made without my knowledge! I HAVE NO INTENTION OR INTEREST TO SEND ANY MONEY TO ANY PERSON I KNOW OF! 

I REPEAT, I NEED MY MONEY BACK WORTH {$9900.00} THAT ARE IN REMITLY ACCOUNT FOR TWO ( 2 ) MONTHS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CO

Complaint narrative:
There is a mortgage being reported from 2005 on my credit from multiple lending companies. XXXX is from XXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a personal credit card with Capital One. I paid my bill in full a few hours late in XXXX, and Capital One is now telling me that I have to pay interest not only for XXXX, but for the following three months -- even if I pay my bill on time. They say that after one late payment, they will continue to charge interest until I have three consecutive months of on-time payments. This will result in me paying {$60.00} or more in interest for a late payment of just a few hours. It's not even clear to me how the interest in the next months I pay on time would even be calculated, since I always pay my bill in full. I contacted customer support and they could not explain that to me. They just said it would continue to be charged until I have three consecutive months of on-time payments. I asked if they could waive it and they said no. This is a completely unfair and predatory practice. 

The details of my payments and the charges are as follows : I paid my bill hours late in XXXX ( the bill was due on the XXXX, and I authorized payment at XXXX XXXX on the XXXX ). I paid my XXXX XXXX in full, as I do every month. On XX/XX/XXXX, I was charged {$20.00} in interest. In XXXX, I paid my bill on time and in full ( the bill was due on the XXXX, I authorized payment on the XXXX to be made on the due date ). I was charged {$11.00} in interest on XX/XX/XXXX. I contacted customer support late on the XXXX and was told I would keep being charged interest until I had three consecutive months of on-time payments. I could not get any explanation about how this interest is calculated or whether I could do anything not to incur it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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 to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2023-02-16 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: IL

Complaint narrative:
I had contacted XXXX, XXXX and Experian to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. Experian has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, XXXX and Experian neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you

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 2023-02-16 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: MS

Complaint narrative:
Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.

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 2023-02-16 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: GA

Complaint narrative:
I requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : XXXX, Experian And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I received a physical check for paid time off from my place of work. I deposited the check via mobile deposit, months later it got debited from my account with no real explanation why. Both my bank ( bank of america ) + the issuing bank ( XXXX XXXX  ) and my work XXXX ( XXXX XXXX ) refuse to help me get the money back. Check was reversed with a message saying it was a duplicate deposit but I only used it once. The duplicate deposit was fraudulent but I still can't seem to get help on getting the funds back. 

XX/XX/22 - Check issued to me ( {$630.00} ) XX/XX/22 - XXXX XXXX deposited to my Bank of America account ; funds credited XX/XX/22 - Posted XX/XX/22 - Funds debited from my account I have spent months on the phone, in branches and in HR trying to sort this out so I'm looking for help elsewhere. Thank you!

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