vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

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

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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: SYNCHRONY FINANCIAL
State: NJ

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

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 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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX fraud caller claims to be Chase Bank with security alert. From a catfishing number - XXXX. I sm being harrassed daily by these people. XXXX accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper is the Mortgage Company that is currently holding XXXX as unapplied funds for my XXXX payment. My XXXX payment is XXXX. They keep on sending me unapplied funds letter with only XXXX of unapplied funds. Problem is they are holding more. I have attempted to call, to speak with my Mortgage agent, but can't get ahold of them and can't leave a voicemail. I have used their chat function, and I have sent an email with no response. 

They will not apply the funds to the payment for XXXX, but they are just holding the funds and no one will answer my calls or emails or chats with any information or provide me with the correct information. 

I have paid my XXXX mortgage and they will not apply the payments to my account for no reason that makes sense. 

I am including payment activity from Mr. Cooper and snap shoots from my bank with the payment information. I am also including the payment screen. The amount due of XXXX is for XXXX, which i have until XX/XX/2022 to make the payment ( as per the loan agreement ). My account isn't past due. I just want my payments to be reflected and not held somewhere indefinitely and for the wrong amount. 

I just want my payment to be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Since XXXX, XXXX, after an agreed mediated settlement for divorce, my es-spouse was awarded all business related credit card debts along with inventory. On XX/XX/XXXX, I spoke to personnel at PenFed credit union to advise of the settlement. I was told a certified copy with a judges signature would be required. Due to my ex-soouses delay, the decree was finally signed on XX/XX/XXXX. Between XXXX and present XXXX, Ive repeatedly submitted disputes via XXXX. I not only uploaded the documents through XXXX, but on XX/XX/XXXX, I physically went to PenFed Credit Union and hand delivered the documents. I was reassured this would be resolved. Despite my disputes, my contact at the bank, and provided copies of the certified order, my name remains associated as an authorized user only while my ex-spouse habitually exceeds the credit card/limit. XXXX continues to report the dispute is resolved and my status remains. Consequently, this continues to adversely affect my credit score. In good faith, I removed myself from a XXXX Bank business credit card and checking account and removed him from my personal accounts as an authorized user to prevent any potentially harmful impact on his credit.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc.
State: NC

Complaint narrative:
Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXXXXXX  who's struggling to take care of himself personally. I'm also a XXXX who has to apply for FAFSA which is financial aid to help the student afford college. Being that I'm a XXXX XXXX  I don't receive XXXX XXXX to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

XXXXXXXX XXXX - late payment on XXXX XXXX XXXX  30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I issued a check with check number XXXX in the amount of {$1000.00} to XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and altered the entire content of the check and only left the check number. It was altered to the name of XXXX XXXX at the amount of {$12000.00} the check signature was forged as well. The check was cashed and released by TD Bank without proper verification. 
I made a complaint and TD Bank made the original affidavit of forgery and was filed XX/XX/2022. I continuously followed the status with the bank but bank keep saying it was on process. On XX/XX/XXXX, since I am not getting any updates from the bank, I contacted TD bank investigator in charge of the case. I was told by the investigator that the affidavit was wrongfully done and the TD Bank was notified but nothing was done to correct the affidavit. I was told by the investigator to go back to the TD bank for bank to file the correct affidavit as " altered check ''. After a few weeks I called up the investigator and was told that it was assigned to another investigator. Up to now I made a follow-up on XX/XX/XXXX to a bank officer named XXXX XXXX XXXX XXXX ) and I was told it was being investigated and was being misled. I'm not getting any answer or updates on what is really going on. Its now 106 days since it was filed. I am hoping that you will be able to assist me and resolve this problem. Its a big amount and which causes financial burden to our obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited {$1000.00} into a Personal Line of Credit ( PCL ) account that had a XXXX balance. As this is a credit account, the balance showed $ XXXX, as it should. Six days after the deposit I transferred the {$1000.00} to my checking account. 

Huntington says this is a cash advance and is charging me interest on my own money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank
State: FL

Complaint narrative:
Someone opened an account using my name, social security #, address and phone number. This account was opened at Synovus bank, i was notified by the bank and have received a statement in the mail. 

I do not know this person and am concerned of other fraudulent actions that maybe taken. 
Documents can be provided as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
Wakefield and Associates- a debt collection agency - contacted me by TEXT MESSAGE. telling me no information about what the debt was. I never received a phone call, or an email, or a paper statement in the mail. Nothing. I have no idea what this debt is. I thought the text they sent was just a scam. Until this debt showed up on my credit report at XXXX XXXX. These are shady business tactics. Very poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRSTBANK
State: CO

Complaint narrative:
On Tuesday XX/XX/2022 I was informed my account was closed at FirstBank Holding Company. I was asked if I wanted my funds mailed or picked up, I said I would pick them up. I went in early today ( Friday XX/XX/2022 ) and was told everything was on hold. After about XXXX minutes I was requested to talk to a guy named XXXX who asked non-important questions and refused to forward conversation on my funds in my closed account. I ended the conversation amicably, drove home, reached out to the representative who I first spoke with, XXXX, and asked her to mail me the checks. She informed me that until XXXX releases the funds she can not do anything. As of XX/XX/2022, FirstBank Holding Company confirmed XXXX account closing balances. The oldest account had a little over XXXX XXXX XXXX XXXX ( {$20000.00} ) and the second account had a flat XXXX XXXX ( {$10000.00} ). I was told nothing the holdings were completely removed on XX/XX/2022, and those balances were final. On Friday, XX/XX/2022, all the events I spoke about above, occurred, and FirstBank refused to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

Your office has reported invalidated information on my credit report. I have attached a copy of the certified mail receipt that shows your office received the letter requesting validation of this debit on XX/XX/2022. To date, your office hasn't provided me with any documentation. 

Reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) may constitute fraud under both Federal and State Laws.

Due to this fact, I am requesting that this collection be removed from my credit report.

I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

Your office failed to respond to the validation request within 30 days from the date of yourreceipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 there was a transaction on my Bank of America credit card for the amount {$1300.00} with merchant XXXX XXXX XXXX I disputed this transaction since didn't authorize this. 

Also, spoke to XXXX XXXX XXXX fraud department to understand what I purchased for {$1300.00} - but they said/confirmed saying they don't see any transaction for that amount using my credit card Bank of America is now saying they received response from XXXX XXXX XXXX saying its valid transaction and asking me to pay {$1300.00} Also, I went to discuss this in person to Bank Of America and they didn't me discuss there and sent me back asking to check with fraud department over phone. On phone so far i have spent more ~20 hours waiting for response, discussion. But nothing helped me so far. 

Been calling both Bank of America and XXXX XXXX XXXX fraud departments and no one is giving me valid reason and instead Bank of America is asking me to check with XXXX XXXX XXXX and XXXX XXXX XXXX is asking me to check with Bank of America 3 big problems I am facing because of this 1. {$1300.00} loss for me 2. My credit score is going down everyday and its down from XXXX to XXXX  3. mental pressure I am going through calling everyone and asking for some resolution

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 2022-12-09 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 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX  XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX ] ] has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 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 2022-12-09 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: Westlake Services, LLC
State: MD

Complaint narrative:
15 usc 1681 section 602 states i have the right to privacy.

15 usc section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent 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

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED OLD ACCOUNT HISTORY REMOVED ALSO NEED THIS ACCOUNT REMOVED FROM PROFILE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2022-12-09 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: NC

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, # XXXX XXXX XXXXXXXX, has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to 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