vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I opened a XXXX XXXX XXXX  ( Barclays ). Because I was offered balance transfers for a small fee, I transferred about XXXX as the card advertised one year no interest, giving me a year to pay this off, which I had done with another card. I opened the card in XXXX, transferred the balances in XXXX, and they promptly asked me for my tax returns ( to verify my income ). I have had a card issuer ask me for this to justify a limit of {$10000.00} on another card, so I didn't think this unusual. So, I sent the requested documents, and in XXXX they froze and closed my account, the only reason given was that my tax returns were not adequate proof of my identity? They did not ask for any other proof than the tax returns to verify my income. When they closed my account they ended my XXXX year 0 % interest, so I am having issues reducing the balance due to the outrageous increase in interest rate! Another huge issue is that I had opted for 'paperless " statements, but I have never once received a statement paperless or otherwise, so I have no documentation, as there is no possibility of printing a statement from their website. I have to log onto the website to even know what the payment due is, and look at transactions to see the interest. I didn't receive an 'adverse action ' notification of any of the changes, or an explanation, of why my goverment tax return was not sufficient proof of my identity?? Or of a termination of my 0 % interest balance.

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 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
From XXXX ( now ), I have been being harassed by FIRSTSOURCE ADVANTAGE regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. Also I am aware that this company does not have a license to practice in the state of Georgia where they are attempting to collect said debt. 

In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, FIRSTSOURCE ADVANTAGE is hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. 

In addition, FIRSTSOURCE ADVANTAGE is hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I am requiring documentation to confirm that FIRSTSOURCE ADVANTAGE has complied with this request. 

I am also requesting to CEASE AND DESIST FIRSTSOURCE ADVANTAGE from contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US Dept of Ed/XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and 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 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 2022-12-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US Dept of Ed/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX and 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 consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MI

Complaint narrative:
I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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 2022-12-04 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: MI

Complaint narrative:
I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MI

Complaint narrative:
I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I had retail installment agreement with Capital One Auto Finance. I called and mailed Capital One several letters and correspondence of my financial hardship during this Covid-19 health crisis and recission that has impacted the entire world. In the year of 2021 due to extreme medical prognosis and contracting XXXX, I became seriously behind on my obligations. Although I made a mistake by falling behind, before contracting XXXX I also maintained a stellar record, by making all payments on time. I understand the importance of that and dont want to damage my relationship with Capital One Auto Finance . I am currently in the process of purchasing a home for my family, but I am finding out it is extremely difficult to obtain an affordable interest rate because of the negative impact this late payment has caused on my credit worthiness, Im requesting an Accommodation under the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CL Holdings LLC
State: TX

Complaint narrative:
15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Credit reporting improper use 15 US 1681 section 2 states I have the right to privacy In accordance with the fair credit reporting act XXXX has violated my rights.

15 US 1681 section 2 states a consumer can not furnish a account without my written permission 15 US 1666 B : A creditor mXXXX not treat a payment on a credit card account under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Synovus Bank
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Westlake Services, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.

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 2022-12-04 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: EGL US, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CA

Complaint narrative:
I have requested that TransUnion investigate XXXX account number XXXX XXXX XXXX XXXX on several occasions in during the year XXXX and XXXX. In the year XXXX alone, Ive made requests XXXX, XXXX and XXXX. TransUnion has responded to my letters stating that they have done an investigation each time. 

I have provided snapshots from my FICO to show that the XXXX has not been updated show the account was investigated and it is being reported inconsistently. 

In accordance with the Fair Credit Reporting Act XXXX account number 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 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 2022-12-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 2022-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
To whom it may concern, this letter is to explain what M & T bank is doing to my credit file. On XX/XX/XXXX when congress made the Covid Relief Plan we took the forbearance on my VA Home loan. On XX/XX/XXXX I contracted M & T bank to start making payments. M & T bank approved our 3 month trial. We made our first payment on XX/XX/XXXX. So after M & T gave me a letter stating that at anytime and for any reason they can foreclose on my home. I talked it over with my wife and decided to sell the house. We sold it on XXXX XXXX funds were sent to M & T bank on XXXX XXXX at XXXX threw title company XXXX XXXX XXXX M & T bank decided to state on ALL XXXX of the credit agencies that home was paid after foreclosures processing had started on XX/XX/XXXX. As you can understand this causing me stress and they are defaming my name.

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 2022-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
Nissan XXXX XXXX refuse to fix my car. I have taken this car to them 5 times over the last past 3 months. I have sent a complaint to Nissan XXXX XXXX department. They promise to reach out to me with a solution within 48 hours on XXXX. I had completed a voluntary repossession with my financial institution. Because I could not afford my car note and the repairs that Nissan was supposed to complete on my car back on XX/XX/XXXX. 

I'm having the same problem I was having when I paid Nissan to fix my brand new XXXX XXXXXXXX XXXX I purchase this car less than 3 years ago. I would like Nissan to stand by the repairs they said they completed. But since I no longer have the car. I would like the cost of everything I paid out of pocket for the difference of what I owe on the car I have to give back to my financial institution. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In XXXX and XXXX of XXXX, I disputed ( 3 ) charges. With the disputes, I provided phone records, emails, XXXX correspondence, dates, names, and times of the companies in question in response to OLLO 's investigation. In XXXX, XXXX, and XXXX I received correspondence from OLLO stating that the cases were successfully closed in my favor. The amounts were {$490.00}, {$110.00}, and {$130.00}. I recently received notice from OLLO stating that they reversed the credits back of {$130.00} and {$110.00}. This would be the 2nd time they have done this. I've spoken to ( 6 ) customer service representatives at OLLO some were helpful and some told me that I would have to wait for another investigation. 
OLLO card services refuse to help me the consumer and has sent me ( 2 ) letters stating my case was closed!

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was charged double on my chime account for the merchant XXXX  XXXX chime made my account negative. I didn't have overdraft protection so I don't know why it was able to make my account negative I received payments to XXXX XXXX  which was attached to my chime and chime kept my payments equaling to the amount of XXXX $ merchant XXXX  XXXX was charged on dates XX/XX/XXXX and I never got my money back chime has refused to fix this problem and give me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Kikoff Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, kikoff # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.

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