vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: U.S. BANCORP
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. ( account # XXXX ) 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K 483

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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Company is claiming to sue me over debt that was from a credit card with Identity theft. Told them I did not have that card and was trying to speak to someone about ending the lawsuit they have filed against me. Company has been rude during communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have been a costumer of Mr. Cooper a mortgage company for about XXXX years now. 

I did not receive a notification about how mr. Cooper was gon na raise my mortgage due to escrow. 
And since I dont pay online due to the unreasonable chargers of paying with a card I like I have for the past XXXX years mailed in a check of the amount that I have been paying for the last couple years. 
After I was made aware of the fact that mr. Cooper since has raised my mortgage payment. I sent the additional money instantly to the mortgage company. So I did not miss a payment. But I was short on XXXX of my payments. And as soon I heard about it I sent them the difference. Not thinking nothing of it and thinking it was handled. Mr cooper then proceeded to report to the credit bureau that I missed a payment while my difference of payment was in motion to them. And that report knocked down my credit XXXX total points and now put me in a predicament to be homeless because now I can not qualify for the house that I am in the process of buying. 
Due to the fact I have already invested XXXX money into the house I was planning on buying I need this corrected as soon as possible. Please help me out because I have been trying repeatedly through emails and phone calls to get in contact with someone at mr. Coopers credit team and I havent had any luck. This process of trying to contact them has been a XXXX week period and still have yet to have any information about being helped out.

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 2023-05-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by CitiVisa for some charges to my account. XXXX XXXX XXXX XXXX  {$1400.00}, XX/XX/2023 XXXX {$970.00}, XX/XX/ XXXX {$430.00}, XX/XX/2023 XXXX {$130.00} They did not want to set aside the charges instead they ask me to continue paying the interest.

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 monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a Capital One NA World Elite card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to Capital One since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the XXXX 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to XXXX XXXX XXXX - A debt collector. Not only did Capital One not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both Capital One and this XXXX have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, Capital One, XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my XXXX 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to Portfolio Recovery, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: World Acceptance Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX You are in direct violation of the fair credit reporting act ( XXXX world finance XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you in direct violation of several laws under the fair act credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I sent a letter to XXXX explaining an account appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Biehl & Biehl, Inc
State: NY

Complaint narrative:
Last week I received a collections notice from Biehl and Biehl regarding an incorrect charge. I responded with a letter stating that I was disputing the charge and included a full explanation of events. The next day XXXX XXXX from B & B called my office and she asked an employee of mine for the company email, which he provided, and then she asked to speak to someone about billing. That would normally be our bookkeeper but since I happened to be here I took the call. She informed me that I needed to pay {$400.00} today or " there would be consequences '' and I would end up paying even more. I informed her that I was disputing the charge and she continued to argue with me and tell me that even though the amount was never communicated to me I was still responsible for it. Almost immediately after that conversation she sent an email to the general mailbox for my company telling me my dispute is not valid. She attached a doctored version of the bill of lading that had additional information on it that I had never seen and was not on my copy. She also doubled down on her threat, writing that if I did not pay " obviously there will be consequences ''. When my employee read this and responded that it was inappropriate to send a collections notice to a general mailbox that was not my email, she replied, " This appropriate- I was given this email for XXXX per an employee. It seems Inappropriate that you would email me when I was told this is her email. '' I then responded to her email and told her that it was not my email address and also that her " evidence '' was something I had never seen and was different from the signed copy in my possession. She replied " This is a commercial debt. The FDCPA does not apply : it is funny because You are responding from the same email. '' I don't see what can possibly be considered " funny '' about any of this, or how a collections agency representative can communicate in this way. She still has not provided any proof that I owe this debt, but she has continued repeatedly calling both my job and my cell phone. She mentions a written quote but I had never received anything at all in writing from this company until they started sending me invoices and when I tried to contact them to find out what the invoices were about I was unable to get a hold of anyone. I never agreed to anything and I never signed anything. When an employee of mine informed her that I wasn't in the office she kept grilling him on when I would be there and wouldn't let him hang up. She then called my cell phone and left a message stating that I needed to take the offered settlement to " avoid an even more costly problem. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021 Bank of america closed my account and on XX/XX/2021 the bank kept my paycheck in the amount of {$720.00} on XX/XX/2021 i first become aware of 5 unauthorized claim charges were submitted causing bank of america to add credit to the account totaling an amount of over {$1000.00} i reported to the bank the bank that i did not make those claims the bank said the frauds team was notified by and automatic alert the moment the claims were being made and they begin monitoring the account the bank stated the claims were made by a phone call to the bank the claims agent failed to follow the procedure to verify the identity of the caller to be who said to be instead the agent matched profile information with the callers inform the caller pretended to be me using my identity while communicating with the agent the claims date back to XXXX XXXX and were all payments i made to XXXX my loan a title loan company who then filed a lawsuit against 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 explanation
Consumer complaint received 2023-05-08 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX my bank informed that XXXX XXXX score had changed in which my score was decreased due to degoratory report from this company ( Sequium Asset Solution .XXXX ) this company had sent a report to credit reporting companies ( XXXX XXXX XXXX XXXX XXXX XXXX  ) that I was in collection. I never had a relation with this company before. This report made my credit score down. I had sent a dispute on credit reporting company execept XXXX due computer difficulties. 
it states that opened the account on XX/XX/2023 and update the balance on XX/XX/ for {$650.00} in which I am unawared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
Someone opened a XXXX credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone opened a discover credit card in my name fraudulently. Experian is still reporting this account. This is in direct violation of my consumer rights.

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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A fraud alert was placed on my credit report in error by XXXX, Transunion, and XXXX. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
Transunion sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from XXXX, Transunion, and XXXX as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX  Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against XXXX, XXXX, and Transunion. There is no excuse for this.

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 2023-05-08 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: KY

Complaint narrative:
A fraud alert was placed on my credit report in error by Equifax, XXXX, and XXXX. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
XXXX sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from XXXX, XXXX, and Equifax as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX  Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against XXXX, Equifax, and XXXX. There is no excuse for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Im trying set up a payment plan but they told me they cant because My aunt filed backruoyt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
XX/XX/XXXX XXXX has been trying for sometime to collect from me a bill that has all ready been paid.. This has been going on since XX/XX/XXXX. XXXX and XXXX had this acct first and garnished my check and it was paid, case number XXXX XX/XX/XXXX XXXX district court, Its to XXXX my employer. it i.s setting in my credit report. for a while now. i have sent XXXX court paper and the other company that took care of it. and they still say i owe. i can not pay twice nor will I please help me XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I ordered a XXXX jacket through the XXXX XXXX paid in full XXXX XXXX payments one for XXXX and the other was XXXX. I never received this jacket. I have disputed with XXXX and XXXX and the post office that misdelivered my package and between all three companies involved no one wants to except accountability. Post office marked my package delivered but it was to the wrong address. I went to the post office and they showed me a map to where the package was delivered and it wasnt my house. Then I was told they not responsible for misdelivered packages. No one would help after numerous disputes with the companies involved. I had no choice but to file a claim with my bank and got a charge back for non receipt of goods. I will not pay for something I never received. Its a shame that XXXX. XXXX and the post office would treat their customers like this. I dont owe XXXX anything I paid for all items ordered except the item I never received.

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