vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
After reviewing my credit report, I noticed that I have a late payment being reported by Capital One Credit card XX/XX/year>. I have been a Capital One credit card holder for almost 10 years with excellent payment history. I was a victim of XXXX XXXX and I was forced to make some life changes immediately. I reached out to the company and unfortunately they were unable to help me. 




15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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.

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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I had an account through Affirm that went to collections during COVID. I paid it all off with my last payment posting to the Affirm account on XX/XX/2021 for {$170.00}, but XXXX had it updated on XX/XX/2021 and nothing after. They DO have the last payment that they claim, which corresponds as my last payment PRIOR to my XX/XX/XXXX payment as XX/XX/2021. I have gone through 3 Dispute processes with XXXX and all three have been rejected. I called Affirm the last time to get more documentation. I got a PDF and they are also mailing me proof that my account is in fact paid in full, but XXXX claims that they called Affirm and Affirm claimed I haven't paid it, which makes no sense because my account shows that I paid ALL of my accounts off and that I don't owe anything on this account or any other account with them and the person I talked to confirmed this and so does my account online. I will also be doing a claim for Affirm also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX Account # XXXX open XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am in the process of leasing a car. A mutual contact introduced me to a guy posing as a car broker. He said he was going to help negotiate a good least deal for me with local dealerships. 
We had plenty of conversations back-and-forth. He knew exactly what to say, and is very well-versed on the business. After he got my money, which I sent to him from my American Express checking account, he disappeared. 
I called American Express for help and they declined to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX account # XXXX open XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation since this item is being negativity reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX account # XXXX open XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation since this item is being negativity reported

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: MI

Complaint narrative:
This complaint is in regards to XXXX XXXX account # XXXX open XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation since this item is being negativity reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2022 Credit Card with JC Penny 's was paid to a XXXX balance and account was closed by the order of the owner. While I was in debt consolidation Synch Bank/ JC Penny 's agree with XXXX XXXX XXXX XXXX company to take payments on credit card that was already paid and closed with a XXXX balance. I tried to contact JC Penny in regards to matter, they never would give me an answer. In retaliation for finding their fault, JC Penny 's now are reporting late payments on my credit report. When I spoke with XXXX ( agent ) from JC Penny call reference # XXXX he agreed that the credit card was totally paid off with a XXXX balance/and closed. XXXX could not confirm why JC Penny would cut a deal with XXXX XXXX to consolidate the debt.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a text message on XX/XX/24 from XXXX from XXXX XXXX XXXX XXXX XXXX. wanting to set up a payment plan for {$100.00} a month for nine months. This payment plan is for Indigo XXXX I would assume is a defaulted account. 

I do not have or applied for an Indigo XXXX, so I do not know why this debt collector has my cell number and is trying to collect this debt from me. This company has started calling my cell today, XX/XX/24 at XXXX XXXX without leaving a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX I contacted Freedom Mortgage regarding my escrow. There were several escrow transactions associated with my hazard/homeowners insurance paid by Freedom. {$2300.00} previous provider, XXXX which was cancelled, {$1600.00} to another insurance provider to replace XXXX which was cancelled as well. Freedom paid my new provider, XXXX {$1700.00} for escrow year, XXXX to XXXX I received refunds both payments and sent those back to Freedom to be put back into my escrow account. I also made two mortage payments during this time. When I contacted Freedom about my statements ( XXXX and XX/XX/XXXX ) escrow balance, their statement was different from what representatives discussed with me on the phone. Even their XX/XX/XXXX statement listed {$1600.00} three times, 1 as payment ( or refund ) and two as payments ( out {$1600.00} ) which is incorrect. It is my belief that Freedom purposely does not list real time information on-line because of deceptive practices. Please assist with correction of my escrow balance.

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 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
they denied me because of lack of credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
There is a 2nd and 3rd Lien ( HUD ) on my home title due to an error ( duplicate entry ) by my mortgagee company, Mr. Cooper. I have been trying to get them to fix the problem since the end of XX/XX/XXXX so that I can refinance my home. I have been in contact with the Loan Mitigation department at Mr. Cooper and all they are saying is that they are working on it. I have sent them all of the documentation from HUD stating that there should only be 1 lien, so I'm not sure what they have been working on. XX/XX/XXXX they said they needed to send a form to HUD for them to sign. I spoke with HUD today and they said Mr. Cooper has to contact my county to have the lien released. There is nothing for HUD to do. Not only is Mr. Cooper not fixing the problem, it is nearly impossible to ever actually speak to an individual. I was told that the only department that can help me is the " Loan Mitigation Dept. '' and it seems as if there is only 1 individual that works there. She works from home and never answers her phone. I always leave a message and she might return my call within 3-4 days. Very poor customer service. I'm not sure what else to do. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/2023 I was charged on my Paypal credit line managed by Synchrony Bank. 
It was for 3 transactions not made by me. The charges were for XXXX purchases ( XXXX ) but from an XXXX account not mine. I called XXXX and they confirmed that charges were not made in my account but didn't tell me anything else because of privacy policy. 

In summary I was charged using my Paypal credir account for purchases in Apple.com of somebody else not authorized or known by me and I made 3 disputes already and the credit card company rejects my disputes.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2023 I was notified of a fraudulent charge on my Bank of America account. The card was cancelled and a new one was to be mailed, however the new card automatically uploaded to my XXXX wallet. 
The next day I received a phone call from bank of America on the caller ID, as well as the actual phone number. The man identified himself as a fraud department representative and was here to help. He asked if I knew anyone in XXXX XXXX that was using my card. I said no. He was already aware of the fraudulent activity from the day prior, and then told me my entire account was being compromised and that I needed to act quickly to resolve the issue. So I had every reason to believe him, since I thought I was speaking with an actual BofA representative. He explained that the digital fraud team would reach out, and they did, I answered, they had me share my screen, and log into my online banking. He then had me transfer my savings to my checking and then the checking ( {$8000.00} total ) to XXXX XXXX. I was then told to remove all of my cards from my XXXX wallet. He then had me upload a Chime card, and transferred {$8000.00} to that card. He said they would wave the transfer fee and that this was only temporary while the bank investigated and I would receive the money back in 2 days. After I hung up I had some feelings of uncertainty, but talked myself out of it because it was the bank calling me. I was not aware of spoofing or any of these types of scams. I fell victim to this and the bank refuses to refund the money since the payment was authorized. I only authorized because I was under the impression I was talking to a real employee. I immediately called the bank the following day, I also went to a bank branch. I was told that they could put a stop payment but it didnt work. I also filed a police report with the local police department and have a detective assigned that got a court order on the transaction ID. I filed a fraud complaint with XXXX and Bank of America.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial took duplicate loan payments from my bank account, when I the discocered the overpayment, i contacted them, they agreed to return payment in 10 to 14 days. I asked to speak to a supervisor and the CSR hung up. I called back and asked for a supervisor. The supervisor said the unauthorized excess payment they took would be in my bank account in 24 to 48 hours. Today, they wrote an email saying were going to send me a " virtual credit card " soon. '' I wrote back I want cash just the same as they took from my account.

1st complaint is an unauthorized payment taken out of my account and 2nd complaint is their refusal to remit back funds as they removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
They cant give me any payment history on loan and they still owe me money from my refund on my borrow defense approval. I have talk to management and they cant give me any answer they had just giving small portion of what I paid on my loans. They tell me that I have to call Department of Education and when I call Department of Education they tell me that my loan servicer is the one who would be responsible on giving me information on my refund money for my BORROWER DEFENSE & payment history. I cant never get an answer and always be on hold for 2hrs for me to get no answer for the past almost 2yrs.

Company response to consumer: Closed with explanation