vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
COMPANY : KOHL 'S ( Capital One ). 
Date account was opened : XX/XX/XXXX Date account was closed : XX/XX/XXXX Account # : XXXX Original Debt : {$140.00} From XX/XX/XXXX to XX/XX/XXXX the debt increased to {$430.00}. The company did not waive late fees/ and during the whole pandemic i received multiple calls during the day. 
On XX/XX/XXXX i did contact the XXXX number located in the back of my Kohl 's card to speak with a representative and change the payment dates because at the time my dad was in the hospital and we had a major setback financially and emotionally. The agent told me " that the late fees can be paused for 2 months and i can pay the next month without additional fees ''. At the beginning of the pandemic XX/XX/XXXX i called Kohl 's again to let them know that at my workplace our schedules have been reduced to 2 days because the company didn't know the magnitude of the COVID-19 VIRUS/ CRISIS.

Again the representative told me that i shouldn't worry about as long as i make the payments, the excessive fees added to the account are not ONLY ridiculous but are violating my consumer rights. During XX/XX/XXXX the Governor XXXX XXXX paused late penalties to credit cards/ paused payments/ Kohl 's kept harassing me over the phone/and mail. Predators that did not give me any option to pay the original amount XXXX dollars. They persisted to collect three times more. This debt is in violation of 15 U.S CODE s 1681 N.

Not only my emotional health has been jeaopardized by this abusive company but my credit score as well. It has been reported as 'updated account on XX/XX/XXXX '. 
which falls in violation of the Consumer Credit Fairness Act XXXX. The debt is time-barred. 
i do request to remove this account from my credit report and/or be paid for damages occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 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: MT

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have 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.

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 2022-09-05 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: PA

Complaint narrative:
I contacted lexis Nexis to receive my credit file but after verifying my information they claimed they couldn't verify it. Making it difficult to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: General Motors Financial Company, Inc.
State: IL

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 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 an open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: FL

Complaint narrative:
Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX  : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  XXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : Inquiry : Fraud XXXX XXXX  XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud

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 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had a XXXX credit card in XXXX and due to lost of income I was unable to make payment. I have attempted to contact XXXX Bank and to request to XXXX monthly payments on a monthly basis. However, I was told that I have to call them monthly to make the payments. I contacted them several times and made payment over the phone, but it was very difficult to contact them, because the calls went to their customer services in XXXX and I felt discourage to give my credit card to third parties. I requested for my call to be transfer to United States, but finally after many arguments the calls were transferred, but it seemed that the bank just want to hold onto my debt. Every time I made a payment I was told that my balance was {$800.00}. The last time I spoke to the customer representative i requested to pay {$500.00} to close the account and I was told that they could not do that at this time. After that came out the Pandemic and I attempted to contact them unsuccessfully, because no one responded the telephone from the bank After my unsuccessful attempts, I received a letter from Resurgent Capital Services ( LVNV Funding LLC, ( XXXX stating that I owe {$1.00}, XXXX. On XX/XX/XXXX ; Reference ID : XXXX I dispute the validation of my debt and the verification letter. The above agency stated they do not have the validation and they keep harassing me on the phone and XXXX keep sending me tons of emails. Now they reported t the credit bureaus. I feel is unfair that I have to pay this account after so long. This amount is incorrect. I sent letter to all three credit bureaus, but are all against me. On XX/XX/XXXX I received a letter from XXXX stating that my account was sold to Resurgent Acquisitions LLC on XX/XX/XXXX. Why did not accept to pay this account previously. I think this is a way to abuse consumers. 

I would appreciate tremendously your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: MT

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: MT

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have 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.

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 2022-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank services our mortgage. Due to various circumstances, including my wife being diagnosed with XXXX during the pandemic, her XXXX classifying her as a high-risk individual, and events involving my job, we were forced to take a mortgage forbearance. 

Flagstar did what it could to ensure we agreed to pay the forbearance amount up front. While we continually insisted that we wanted to place the amount owed at the end of our loan period with an APR of 0 %, applying to that amount as we were legally allowed to do. 

Tactics like offering to refinance our 30-year conventional with a 40-year meant an opportunity for tens of thousands of dollars of extra interest payments over the life of the loan. Flagstar representatives continually called us, demanding we frequently verify that we didnt move out or intend to sell the property. 

Once we could proceed with resuming monthly payments, Flagstar agreed to move the amount of the forbearance to the end of the loan period. We thought we could finally move on without accruing additional interest on that amount. However, things were not that simple. During the forbearance period, Flagstar demanded a payment of {$2800.00}, which we paid out of desperation. 

The transaction history file Ive included indicates the payment of {$2800.00} was applied to the mortgage principal but subsequently reversed, with Flagstar holding {$1600.00} in suspense. Our monthly mortgage payments increased, and its still unclear whether or not Flagstar is still holding {$1600.00} hostage. 

Now XXXX has reduced two of my credit lines as a reaction to Flagstar reporting the mortgage account as being more than 120 days past due. The reported balance is higher than when we initially obtained the mortgage three years ago. 

Upon looking at a breakdown of what is owed on our monthly statement ( the account is paid online where this information is not present ) Flagstar added the amount of the forbearance as a second mortgage, and it appears that they added that amount to the total owed. As of the last reported date of XXXX XXXX XXXX we have no missed payments but have paid off 0 % of our total loan amount. 

At every point, we have seen the ethical shortcomings of the people who pilot Flagstar. even something as simple as removing the PMI on the property due to its appreciation in value was ignored. I need help. My family needs help. Thank you for any you can provide.

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 2022-09-05 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX  XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have 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.

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 2022-09-05 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:
accordance with the Fair Credit Reporting act Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX XXXXXXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights. 

1

5 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.

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 2022-09-05 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: CT

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX and XXXX XXXX XXXX XXXX have 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.

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 2022-09-05 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:
accordance with the Fair Credit Reporting act Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: LA

Complaint narrative:
Dear Sir or Madame, I have made multiple complaints with XXXX and both Equifax to report a company called XXXX XXXX reporting incorrect fraudulent information on my credit report For the last six years XXXX XXXX has been reporting inaccurate to the credit bureaus. Which has affected my credit. XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. This has really impacted me to use my VA benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I had a phone plan with XXXX  and after experiencing service interruptions due to device malfunctions I ordered an exchange, After I received my exchange. 

XXXX had emailed me a return label since the one with the exchange was missing one Dated : XX/XX/2022 Tracking Number : XXXX Return Order Number : XXXX Carrier : XXXX You can find that Return Device was delivered to XXXX  on XX/XX/2022 as it shows in delivery confirmation from XXXX. 

I contacted XXXX through customer service number and every time I get a different story device was found in our warehouse or you will need to wait 7-10 business days to get your account to XXXX. 

So, I think XXXX has sold my debt to AMSHER COLLECTIONS. 
Which I disputed with the same proof but didn't get a response from them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation