vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN

Complaint narrative:
I reached out to a company that had my debt to which it told me it no longer had and that a law firm named XXXX XXXX XXXX had the account. I called XXXX & XXXX on XX/XX/2022 at approximately XXXXXXXX XXXX est. at the phone number provided ; XXXX. I have not received any letters or notices from this firm nor have I received any phone calls. However, on XX/XX/2022, my wife receives a phone call from this firm at a XXXX number at XXXX XXXX  est. The person that called my wife was very abusive and berated her over the phone. He cussed her and said he was not going to help her and she offered him my phone number to which he said he did not want it and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: AZ

Complaint narrative:
settle my account with XXXX XXXX XXXX. Account no. XXXX for a XXXX XXXX XXXX The problem is that in my Experian credit history, the account says active and open.

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 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account Number # 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 non-monetary relief
Consumer complaint received 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, anXXXX XXXX XXXX XXXX  XXXX Account Number # 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 c
an not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : 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 The aforementioned accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-02 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: WI

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on XXXX of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: WI

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX and 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.

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I applied for MD Homeowners Assistance Fund ( MDHAF ) for help with mortgage following unemployment due to Covid 19 restrictions. 

My servicer, SPS, has refused to response to request from MDHAF with requesting information to process my assistance package. 

" Application Status : nformation Requested from Servicer XXXX XXXX, XXXX AM '' Has been my status now for 60 days??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been harassed by this company when asked to show proof or information of the original creditor the company could not provide correct information. this has been going on since XXXX account # XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX all accounts are not correct. I told the company the debt they are attempting to collect are not mine. They continue to contact threw different mediums and now have a new company ( aidvantage ) to harass me. after i sent a cease and desist. They are also in violation on many laws. 15 usc 1692c, 15 1692g, i can continue below i have provided all the slips sent. during these time if you look at my consumer report they still sent false information which is also a violation of 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Original charge from XXXX. I cancelled our service on XX/XX/XXXX. They continued to bill us for service afterwards. I received notice XX/XX/XXXX from XXXX that my outstanding bill was for {$410.00}. Since the account was cancelled I could not access online statements and determine the reason for {$410.00} bill. On XX/XX/XXXX I spoke with XXXXXXXX  rep XXXX to resolve the problem. She indicated that the true outstanding based on the XX/XX/XXXX cancel date was {$170.00}. I paid XXXX  {$170.00} on XX/XX/XXXX and thought all was resolved. Subsequently I continued to receive bills from XXXX with a different amount each time. Sometime later XXXX assigned the account to a collection agency Credence. Unbeknownst to me, Credence attached a collection notice on XX/XX/XXXX which has affected our credit rating to the point where attempts by us to obtain credit has been refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
I received a phone call from Halstead Financial claiming to be XXXX XXXX and XXXX regarding a civil complaint on behalf of my sister. The voicemail said that the message was solely intended for XXXX XXXX, who I am not. The voicemail included the last four digits of her social security number.

I called the phone number they left and was berated by the agent for asking questions about why they would have left personal information regarding someone to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Capital One you can get 20 years for violating 18 u.s.c. 894. Capital One remove all late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX  ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. 

Today, I found out that XXXX XXXX  XXXX XXXX  did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} ACH to Discover was executed and then reversed. 

Moreover, a review of XXXX XXXX XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. 

This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NY

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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
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 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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Accounts # 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 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 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 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CO

Complaint narrative:
have commercial bldg leased to county their fore property tax free. Key Bank escrows {$4600.00} per month with mortgage payment. They charge {$250.00} to audit before refunding any escrow. they refunded part of held money but then charged another {$250.00} to audit again for remainder which they still hold and they still require {$4600.00} a month escrow for non existing taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I overpaid my credit card, so I asked for a refund, they gave me the refund but its showing as a charge to have to pay back.

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 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XX/XX/XXXXXXXX XX/XX/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 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 explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A fraudulent debit card account was opened in my name with Capitol One. They determined it was fraudulent and opened with my social security number. They have closed the debit account. However I currently have an active fraud alert with all three credit unions and this should have been flagged. 

I do have a credit account with them that is still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CT

Complaint narrative:
This is an update to CFPB Complaint No. XXXX. This update includes an amended billing address. 

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. Today, I found out that XXXX XXXX  XXXX XXXX did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} XXXX  to Discover was executed and then reversed. Moreover, a review of XXXX XXXX  XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.

Company response to consumer: Closed with explanation