vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: WA

Complaint narrative:
In accordance with the fair credit reporting act these creditors and companies XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 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 2023-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.

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 2023-02-17 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
This company, DUVERA is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' DUVERA is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by DUVERA to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX  XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If DUVERA has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

DUVERA is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports.

I WILL FORWARD THIS LETTER TO ATTORNEY GENERAL, XXXX  AND IRS. I INTEND TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
XX/XX/XXXX I got a Home Equity line of credit from XXXX XXXX XXXXXXXX. The monthly payments were automatically being withdrawn from account. Therefore I was never late nor has I ever missed a payment. Unfortunately I lost my full time employment XX/XX/XXXX. On XX/XX/XXXX I filed XXXX XXXX and was given a monthly payment plan by court ordered Trustee. At that point the XXXX XXXX XXXX automatic payments stopped XX/XX/XXXX. XX/XX/XXXX I completed the repayment plans and got a successful discharge. The XXXX XXXX XXXXXXXX account was included in the payment plan. Immediately after I got my XXXX XXXX  discharge I started receiving numerous notices of payments request from Specializes Loan Services LLC. I had no idea who they were because I had never done business with them. I later learned that XXXX XXXX  XXXX gave or sold them my account after my discharge. Specializes Loan Services LLC has been demanding full payment from XXXX which those payments had been going to my trustee per the Court Order. Now Specialized Loan Services LLC have totally destroyed my credit by reporting to all the major credit bureaus that Im has 34 late payments on my mortgage. My actual primary mortgage is with XXXX XXXX XXXX XXXX which Ive never been late or missed a payment. These actions taken by SLS is now jeopardizing my Top Secret Clearance which Ive had for over 30 years which jeopardizes my meaningful employment capabilities. Ive tried everything to get this matter resolved but SLS operates like an aggressive debt collector demanding {$25000.00} from me. In XXXX I filed XXXX XXXX to help get myself back to financial stability. SLS has now unjustly risk my chances of decent employment and or cash out refinancing. Ive attached 3 documents which verifies what I have outlined in this report. Both XXXX XXXX XXXXXXXX and Specialized loan services are reporting the same account to the credit bureaus. I find it hard to believe that this is a legal action. Right now I dont have the funds to hire an attorney to address these critical matters.

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 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Calls from a restricted number twice a week for months. I contacted the person who allegedly owes the debt ( if they even owe anything at all ) and they have contacted Comenity about this. The calls keep coming and they need to get their act together, I have no idea why they started XXXX me in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had a savings account for many years- originally through XXXX, which is now with Capital One after they took over. Over the years, the interest rate fell, as did most savings rates around the country. However, I recently learned that Capital One had actually quietly started offering a different savings account with significantly higher rates - 3.4 % APY instead of the pitiful 0.3 % APY still in effect on my account. This is NOT a matter of variable interest rates changing with market conditions - This is an example of a large corporation using bait-and-switch tactics to take advantage of unknowing existing customers, while incentivizing new customers. 

To my knowledge, no effort has been made by Capital One to notify existing customers that they may be eligible for better rates. There is, seemingly, no difference in this new account that would prevent an existing customer from being eligible or wanting the higher APY, except that a customer needed to *know the new account exists*, open the account, transfer money ( no fees or major difference in terms of service ). 

This issue is clearly detailed on this article : https : //womensmoney.com/blog/capital-one-cheating-you-too-high-interest-accounts/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was struggling on my payments try to get help with the HUD and fill forms no help was provided. The house went to foreclosure and the bank got more that what it was own on the mortgage but I was never approach to get some money made from the sale. Now I found the information that I can get all the money that was own of the profit that the bank got went the house went to foreclosure. The bank was liable from some lawsuit that I probably was part of. Wells Fargo

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 2023-02-17 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:
After multiple complaints and attempts to get inaccurate information removed, these credit bureaus are still reporting these negative items on my credit report. 
U.S. Department of Ed. Partial Account # XXXX .... 

The Credit Bureaus stated my account was " Properly Investigated '', but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, this is grounds for removal and violates my rights under 15 U.S.C Section 602 A. States I have the right to Privacy.

15 U.S.C Section 604 A. States A consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, and XXXX XXXXXXXX XXXX ACCOUNT # 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 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 2023-02-17 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 XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, and XXXX XXXXXXXX XXXX ACCOUNT # 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2023, someone had actually stolen my identity, logged into my personal accounts from CHASE and transferred $ XXXX from all of my monies to a joint account, transferred it out to a personal account and into an external account. 

I have reached out to chase to reverse this, but they said that they can not reverse it. 

I have filed with the XXXX Police Department and the claim number XXXX I have four claims to dispute this account with Chase, but one of the claims denied me in reversing this is XXXX. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: GA

Complaint narrative:
I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.

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 2023-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX I clicked on an ad for XXXX, advertising XXXX and XXXX handbags @ {$46.00} each. I ordered XXXX for a total of {$92.00}. I used my Discover card. Several weeks later when the package came, I was disappointed to see that I didnt receive XXXX and XXXX XXXX at all. I received cheap knockoffs. I have been unable to reach the company that mailed them. XXXX ( not XXXX ). I filed a dispute with Discover. Discover decided to side with XXXX, stating that XXXX provided a tracking number proving I received a package. I did receive a package, that was never the dispute. But the contents is not what I ordered. There are numerous complaints on XXXX about this company mailing fraudulent merchandise. Of course I have proof of everything. I hope you can help. Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: GA

Complaint narrative:
In Accordance with the fair credit Reporting Act. The List Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These companies have violated my right to privacy. 

15. U.S.C. 1681 section 602 A : states I have a right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person or agency shall not furnish any information relating to a consumer to any consumer reporting agency especially if the person knows or has reason 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 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Received a collection letter from progressive management systems in XX/XX/2023 XXXX a bill amount of {$420.00}. This is an incorrect collection letter stating I owe XXXX XXXX XXXX group money for which I have never been to this facility nor have ever seen any doctor from this facility. This is a fraudulent collection letter and does not belong to me. I did contact progressive management systems and filed a complaint stating this was a fraud, and they directed me to file a complaint also through CFPB debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: AL

Complaint narrative:
I have disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.

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 2023-02-17 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: 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. 

Account name : # XXXX, Account name : XXXX, Account Name : Transunion Intermediate Holdings , 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 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 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Received a notice from Jefferson Capital XXXX a debt from XXXX XXXX for {$110.00} which was not verified and was already written off. 

Jefferson Capital is a junk debt buyer. 

I know nothing about this, and they need to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well Fargo forced us into foreclosure on our home at XXXX XXXX XXXX, XXXX, GA XXXX forced into sale on XX/XX/2019. During the proceeding several years we received dozens of foreclosure notices, litigation went all the way to Georgia Court of Appeals, we managed to pay our way out but were left financially devastated. Credit rating was destroyed. During this process mitigation / loan modification was refused and we were forced to sell during final foreclosure notice process on XX/XX/2019.

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 2023-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 explanation
Consumer complaint received 2023-02-17 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 XXXX XXXXXXXX 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuses to validate or remove inaccurate items on my credit file. I mailed letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter deleting but also verifying fraudulent accounts. My identity was compromised in the Equifax data breach. Equifax has not removed any unverified item.

Company response to consumer: Closed with explanation