vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: CT

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 account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse 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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Slovin & Council Co., L.P.A.
State: IN

Complaint narrative:
Did not return information within five days of letter requesting information. 
As per FDCPA 809. They need to be fined and debt collection null and void.

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 2022-10-17 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Back in XX/XX/2022 I was charged {$850.00} for a charge thru XXXX, I responded ASAP to Citi Cards and told them I did not make that charge. They investigated and only took half off on the dispute sometime in XX/XX/2022, saying I still owed {$420.00} so they said they would dispute that amount. and on the XX/XX/2022 statement the amount of {$420.00} was not even showing on the statement, but it was included in the bill and they were trying to get me to pay it by sneaking it into the statement. I called them and they said not to pay it, so I didn't and then on XX/XX/2022 I called them because they had put a {$6.00} Interest charge on my bill for not paying the {$420.00} bill.So the lady I talked to says she was removing the {$420.00} and the {$6.00} interest charge and told me to call Citi on Monday XX/XX/2022 and get a status update..I did and they didn't know anything about it and they told me they reopened it and it would be resolved by the end of this week. This issue has gone on for over 90 days, for which even your own site says they can't go that long on a dispute. My credit cards in previous months were fraudulently used like 2 or 3 times and each time Citi Cards would stop the card. They have issues at there business with people doing fraudulent claims wnhen it happens to me that many times, all my other cards I use have no probelms like that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 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: TN

Complaint narrative:
There are Misleading and Inaccurate information that are reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

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 Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. 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 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 USC 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 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I, XXXX XXXX, NATURAL PERSON, contacted Resurgent capital VIA TELEPHONE at XXXX at XXXX XXXX, XX/XX/2022. I spoke TO a YOUNG LADY NAME XXXX  AND A SENIOR CUSTOMER SERVICE REP. NAME XXXX. THEY STATED THAT THEY CANT DISCUSS ANYTHING WITH ME BECAUSE I PLACED A CEASE & DESIST ON THE ALLEGED ACCOUNT. THEY SAID AS OF XX/XX/2022, THE CEASE & DESIST WAS PLACE ON THE ALLEGED DEBT. THAT MEANS ALL COMMUNICATION HAS TO STOP EVEN ON MY COSUMER REPORT. ACCORDING TO 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. IN ADDITION TO THIS DEMAND PURSUANT TO15 USC 1681a ( d ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I previously had checking and savings accounts with Bank of America, which I closed mid-2020. On XX/XX/2022, I received an email indicating that a new account had been opened, which I did not immediately notice. On XX/XX/2022, I received a follow-up email with the subject heading " XXXX, just a few more steps to get the most out of your new account, '' which I noticed almost immediately. That same day, I contacted Bank of America through its automated service line, after several attempts ( including one disconnection ), and several transfers, I was transferred to the relevant fraud department, who opened a claim and said the account would be closed. The process took about an hour. 

Who ever created the account used BoA 's " online portal, '' as fraud personnel described it, and had my ssn. However, I checked recent login activity for my account ( using the login and password for the account closed in mid-2020, which I had not used since ), the only recent activity listed was my own login. It seems quite possible, then, that the account was created by a bank employee. But BoA 's fraud department would not share much information. 

I've attached the first/only account statement. You'll notice that the address makes absolutely no sense and is a mix of two addresses I had earlier in life.

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 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A judgment was entered against me in the XXXX XXXX Court on XX/XX/2022 by XXXX XXXX XXXX on behalf of Bank of America for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with XXXX XXXX XXXX to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that XXXX XXXX XXXX will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.

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 2022-10-17 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. 

Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX # 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 2022-10-17 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: TN

Complaint narrative:
There is misleading information that is reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
During the pandemic XXXX I had contacted Sallie Mae when I was let go from my job and unable to work during that year. Sallie Mae was completely unwilling to help me catch up with my payments even after making a XXXX payment one month to try to catch up. While everyone was offering help to people during the pandemic Sallie Mae would not help me get caught up. They would not defer my payments or take the money I could pay and help me to get caught up. Instead the reported me late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do not agree with them reporting me late as I was making payments but could not catch up with my past due during that time. Sallie Mae should not have been able to take advantage of people during a national declared disaster and should remove these late payments from my credit report. Them reporting my account late is wrong and FCRA vioalation as they had no grounds to report me late during a national disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello- I am relatively happy XXXX XXXX XXXX client. They have a 'Plan It ' promotion for any larger charges ( I think $ XXXX ), where an individual can have the charge spread out over a number months with a small monthly fee. Once the balance of the 'Plan It ' charge is paid off ( even if earlier than the selected plan is completed ) the fees stop. All of this is very reasonable and I have happily used this service in the past. However, I planned to use this service for eight charges on my AmEx during the month of XX/XX/XXXX. The total fees for the month were relatively nominal ( {$21.00} ). However, I never used the service, as I ended up having enough cash to pay the entirety of my outstanding balance by the due date for the cycle ( which was XX/XX/XXXX ) - - this includes all of the charges I selected as XXXXPlan It " charges. However, since I never carried a balance past the due date for the month 's charges, including the eight I selected the XXXXPlan It " program to be used for, the charges were all paid within the standard grace period of the billing cycle, meaning I never used the XXXXPlan It ' function/product/service. However, even though I never used it, I was still charged the monthly fees for all of them ( i.e., the {$21.00} ). I connected with AmEx, expressed essentially everything above and suggested that this was a predatory approach. They did issue me a one-time credit in the amount of {$10.00}. Candidly, it's not the money- it's the slimy practice. I always want to pay what I owe, for the things I use, but being charged something for something one doesn't use and saying it's a standard 'practice/policy ' seems unjust and not right, so I wanted to alert this Bureau to this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On several occassions I have disputed items on my credit report and the creditor claims as valid...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Kashable LLC
State: NV

Complaint narrative:
Here 's a recap on what happened : On XX/XX/XXXX, I called and spoke to a support specialist about making payments to loan : # XXXX, I asked about adjusting my payments to $ XXXX. The specialist sent me an ACH agreement which I signed. On XX/XX/XXXX, I noticed that my account had been reported as delinquent. I have authorized a payment of {$2400.00} to bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX Is giving radius XXXX XXXX my business info ( XXXX XXXX XXXX ) for debt collection when I owe no debt to either party involved. I attempted to purchase devices from XXXX XXXX XXXX and never received them. Radius is now collecting on fraudulent circumstances

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received several calls for Kohl 's with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from Kohl 's since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX XXXX PST. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX XXXX the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. Capital One, its affiliated banks and Kohl 's have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from Kohl 's on this new payment. I have written XXXX and Kohl 's Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to Kohl 's and XXXX. New statement information on Kohl 's shows they reveresed the charges after I paid them and then billed me more late charges and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: LA

Complaint narrative:
Accounts on my Report that i do not recognize.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried numerous times to obtain my credit report online but I can't. I have been able to get them before. The company will allow my credit report to be furnished on it's regular site but I have to pay for it. This is not equitable to me as a consumer. I would like access to my consumer report the same way that I have always had access to my consumer report online. 
The last four of my social is 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 2022-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I am on a Homeowners assistance fund application. I was approved and XXXX  paid my loan up to date in XXXX. Then I was switched to Mr Cooper so we had to start all over again. 

Mr cooper is taking their time getting the informaiton to the state of AZ and in the meantime keeps calling me and sending me threatening letters. I told them I am on the HAF and to read the notes. Today XXXX called and I explained to her again I am on the HAF and she said " Well we will continue to call until YOU pay ''. It is them we are waiting on. Mr Cooper needs to get the info requested to AZ so they can pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NV

Complaint narrative:
Here 's a recap on what happened : On XX/XX/XXXX, I called and spoke to a support specialist about making payments to loan : # XXXX, I asked about adjusting my payments to $ XXXX. The specialist sent me an ACH agreement which I signed. On XX/XX/XXXX, I noticed that my account had been reported as delinquent. I have authorized a payment of {$2400.00} to bring my account current.

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