vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX watch at XXXX for {$420.00}, order # : XXXX. After several days of waiting without receiving my order I called customer service and was told the item had been lost in transit and a replacement would be delivered by XX/XX/XXXX. Instead, on XX/XX/XXXX I received an empty package with several red stamps saying, RECEIVED WITHOUT CONTENTS ... and RECEIVED IN DAMAGED CONDITION ( pictures attached ). At this point I called customer service to cancel the order and get a refund, which I was told would be processed within a week or so. I also called USPS to notify them about the incident. 
Since then, Ive called XXXX several times and been told that they had already issued the refund but Capital One wasnt allowing to receive the payment. After back and forth by phone with customer service and the promise that I would receive my refund I finally received an the first email from XXXX since this purchase but just to inform the denial of my refund, with the reason that the order was confirmed delivered on XX/XX/XXXX. After filing a dispute with Capital One and providing with all the details and evidence that I did not receive the item, they have refused to refund the charge. As my credit card company, I believe they are supposed to protect me from theft and/or fraud, which is obviously the case here. Attached are photos of the empty package I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX XXXX # XXXX RE : Validation Required XXXX XXXX, 2023 Re : Account # XXXX To Whom It XXXX Concern, XXXX, EQUIFAX, XXXX I XXXX your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state XXXX 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX XXXX please attachments, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: CORELOGIC INC
State: NV

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX  to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: ID Analytics, Inc.
State: NV

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: LEXISNEXIS
State: NV

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Bank of America Account 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. 166B A Creditor May not treat a payment on a credit card under an open end consumer credit plan as late for any reason.

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 2023-02-11 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: CL Holdings LLC
State: LA

Complaint narrative:
A complaint was file in 2021 ( see XXXX ). The company removed the item from my credit report but has since reported it, again, causing damage to my credit report. They have continued to update the reporting in order to cause further damage to my credit profile. 



They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the XXXX  Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
I started a application with Amerisave mortgage company. On XX/XX/XXXX I sent a text to this company and asked XXXX XXXX to cancel my application and to refund the {$550.00} he asked for. I put it on credit XX/XX/XXXX. 
He will not respond to my request, instead he is continuing forward with this mortgage loan. And he has not refunded my {$550.00} back on my card. No appraisal was done with Amerisave.

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 2023-02-11 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: GA

Complaint narrative:
ITHINK XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-11 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:
Bankruptcy XXXX XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.

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 2023-02-11 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: Kikoff Inc.
State: PA

Complaint narrative:
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: NV

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 XXXX XXXX XXXX. 

XXXX - Acct # XXXX XXXX Department of Education - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX and XXXX XXXX  - Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: TX

Complaint narrative:
There is a fraudulent credit card account with XXXX that's reported as delinquent on my credit report. The account was opened in XX/XX/XXXX, while I was living in XXXX as an expat, and belongs to someone else that lives at an address in Texas that I do not recognize. I have tried to dispute it both with Experian and XXXX when I first noticed it on my credit report in XX/XX/XXXX, but it never got investigated or addressed, and now it's affecting my ability to qualify for an apartment lease. Both Experian and XXXX have denied accountability by directing my inquiry/ dispute to the other. XXXX customer service pretended to have handled the issue when I talked to them on the phone, but still the fraudulent account remains on my record. Experian denied my dispute on the ground that I have already tried in XXXX and I can not file the same dispute twice. 

I have always paid my bills on time and have never had any financial problems, but now I can not even get an apartment thanks to the credit rating system.

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 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
5 days ago I called Mr. Cooper and told them that I recently got Covid in the month of XXXX, 2022 and requested them to give me a forbearance for 7 months without affecting my credit, I was told by the last agent I spoke with that she will send me an application by email and on my account in Mr. Cooper website, I still haven't received that Application. 

I was told that it will take 30 days to process the application but still I haven't received the application. why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dear Carrington Mortgage, I am writing to you on behalf of XXXX XXXX concerning the matter of a check sent to Carrington mortgage in the amount of {$2400.00} issued to your company by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cover the mortgage payments and late fees associated with loan number XXXX. XXXX XXXX has inquired about the grant money with the XXXX XXXXXXXX XXXX XXXX  representatives, and they have the same information that XXXX retrieved. Carrington Mortgage received the amount of {$2400.00} on XX/XX/2022. XXXX XXXX requests an explanation as to where her Grant money is. 

We kindly ask that you provide a full explanation and supporting documentation regarding this matter. We would also appreciate a prompt response on this matter that XXXX XXXX finds urgent. 

Thank You, XXXX XXXX XXXX XXXX ( Authorized in The Carrington Mortgage Portal to act on behalf of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Debt collectors from TRS recovery calls you without identifying they are from debt collector. They identify themselves by their name and ask you to confirm your name. Once you confirm your name, they ask you to confirm your address. I refused. They said its to discuss an account with TelCheck. I told i do not know any account, i do not know them. They keep talking without disclosing they are from debt collector. I guessed it, because i previously received a letter from them. I think the communication tactics done by TRS recovery is illegal. At no point in the call, they said they were a debt collector. They are trying to trick people without telling they are a debt collector

Company response to consumer: Closed with explanation