vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
This is my Rebuttal Letter Reply to NetCredit on XX/XX/23. To : XXXX XXXX XXXXor anyone on the compliance Department of NetCredit, I come to you in Good faith and Honor to rebuttal such claim you made about your not on any violation of any wrong. Well I consider that " hear said '' that you as a company that in regular basic do consumer credit transaction Extend My own Line of credit not yours, their actually Laws that said you are in violation and theirs Fines to pay if you don't comply with it, unless you show me in the Law that your right and I'm wrong on " subject matter '' everything you said is false, misleading and theirs violation for it. Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning every time some identity make a report as a late payment, miss payment or default on someone credit report is false, misleading and a violation under 15 u.s.c. section 1681n and penalty of {$1000.00}. So if their is not late payment or default, because is excluded, what are you claim it that I own you guys the Debt? # 1 : Right now you claim their is 7 late payment or default, that means I have {$7000.00} that NetCredit own me, please send me the whole amount to my address. # 2 : send me the " Original Agreement '' on the Security Interest that you claim I'm own debt on it. # 3 : Under 15 u.s.c. section 1666d : treatment of Balance said, Any amount over {$1.00} on balance account, whenever a consumer credit transaction owed to obligator, a creditor shall- credit, refund and Good Faith refund to consumer by cash, check or money order any part of the amount of the credit balance remaining in the account for more them six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My new mortgage servicer, XXXX XXXX has been sending letters saying they needed proof of my homeowners coverage. I provided this information to them on XX/XX/XXXX and XXXX following a letter they sent each time. My loan originator XXXX XXXX  also confirmed they sent them a copy of my homeowners insurance policy. 

I confirmed with XXXX insurance that they are listed as the mortgagee - XXXX XXXX was actually the ones who changed this on my policy. XXXX which is the company they want to be listed on the policy is there and present. I can't reach anyone on the phone to resolve this. 

On XXXX I received an e-mail from XXXX XXXX that they had purchased a second Hazard policy on my behalf through XXXX XXXX in an amount of {$3500.00} that I am now liable for apparently. I again sent them a copy of the policy that names them as the mortgagee that they already requested from XXXX directly on XX/XX/XXXX. This seems like some kind of a scam for them to purchase insurance on their own and stick the homeowner with the policy ( which is almost double of what I already paid out of pocket for with 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 2023-03-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank closed the 7 accounts I had with them in standing. When I inquired they stated there was an issue on my credit report. My credit utilization was 13 % no payments had been missed or late. I have had these cards for years without issue and it now appears I am no longer a good customer. My credit utilization thanks to Synchrony is now at 23 %. I worked very hard to keep my credit in good standing with low utilization. I recently had XXXX  XXXX XXXX done and used care credit for XXXX. This appears to be what triggered this. Please look into this I do plan on sending the letter, when I receive it to my attorney. It appears they want to extend credit but when used they close all.

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my FAMILY AND MY reputation as a consumer. As the consumer, I demand the following accounts BE UPDATED TO be PAID AS AGREED immediately.

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 2023-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: OH

Complaint narrative:
I emailed Capital Management Services , LP on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/202XXXX XXXX XXXX XXXX XXXX I received a voicemail from a XXXX XXXX XXXX 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 2023-03-12 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
In accordance with the fair credit report act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604A section 2 It also states that a consumer credit report agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my FAMILY AND MY reputation as a consumer. As the consumer, I demand the following accounts BE UPDATED TO be PAID AS AGREED immediately.

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 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Auto Finance. Account was opened XX/XX/XXXX. Paid off XX/XX/XXXX. They sent a Letter Offering a settlement The balance was {$15000.00}. I paid them the settlement amount of {$6000.00} dollars to account number ending XXXX and they sent me a Letter proof of paying off the car as well as received the Titled. 

The Letter states Upon payment of the Settlement amount noted above, Capital One Auto Finance will consider your account as settled for less than Full balance. You will not be responsible for paying the remaining amount on your account. This was never reported a problem to my credit Report until I bought my First home XX/XX/XXXX. I never had a issue with Credit. The Car was paid off and now it says account open/closed 180 days past due, I owe {$14000.00} and that is Fraudulent. Upon Paying off my Car I have been working hard to keep my Credit Good Retirement will be soon. I just bought Home with a 98 % payment history. Please can you Help me get this off my Credit and return my XXXX points Points back up. 

Thanking you in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX and XXXX continues to report a closed account late. They have done this 2 months in a row which has negatively affected my credit score in a tremendous way. They refuse to remove the late remarks. This needs to stop and those late reports needs to be removed

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 2023-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
On my credit report is an old debt from XXXX  from a repo that I didnt know of because of a divorce. Its to old to be on my report now and I was never notified or granted to try to get the car back to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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. 

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 2023-03-12 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: WA

Complaint narrative:
In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 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 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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: MO

Complaint narrative:
In accordance with The Fair credit report act XXXX  account XXXX XXXX XXXX in co, XXXX XXXX and hard pulls has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 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 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a collection company that has not responded to a verification letter regarding an account that is being reported on my credit report. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I sent a written request for verification of the debt to the collection company in question. However, it has been several weeks, and I have not received a response from them. The account in question has been appearing on my credit report, which is causing me great concern. 

I believe that this collection company is violating my rights under the FDCPA by not responding to my request for verification. I understand that it is my right to request verification of any debt that is being collected from me, and failure to respond to this request is a violation of my rights as a consumer.

I would appreciate it if the Consumer Data Protection Bureau could look into this matter and take appropriate action to ensure that my rights are protected under the FDCPA. I believe that it is essential to hold collection companies accountable for their actions, and I hope that you can assist me in this matter. 

Thank you for your attention to this matter.

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 2023-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/2023 at XXXX XXXX  XXXX  I received a voicemail from a XXXX XXXX ( sp? ).

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 2023-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no 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 2023-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened a Victoria 's secret credit card in XX/XX/XXXX I purchased XXXX on it the first time used it on XX/XX/XXXX I paid the card in full XXXX on XX/XX/XXXX I purchased under ware that same day on XX/XX/XXXX I paid XXXX paid all charges off on the card then I get an email stating I am XXXX in debt I have not used the card at all since I paid it off. they are saying I have back charge on the bill they sent me was only XXXX owed now somehow it accumulated XXXX in late fees. when the card wasn't used. I paid all balances on XXXX XX/XX/XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have applied for an apartment complex and the screening company is reporting my charges as a XXXX XXXX when the final conviction is a XXXX to the apartment complex. I am now being denied because of the charge being filed incorrectly. I have called for 3 days and spent hours trying to talk to someone. I have sent over the final conviction notice from the courts and the company will not adjust how they are reporting the charges.

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 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 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 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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info 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 2023-03-12 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: WA

Complaint narrative:
In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 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 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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers. 

I would appreciate it if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
It will ensure the database has accurate information about me.

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