vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: FL

Complaint narrative:
Since XXXX Discover Credit Card Bank kept raising my credit limit where it would be impossible to cover in whole now entrapped methodically with penalty fees mounting. I am a 100 % Veteran Administration XXXX XXXXXXXX XXXX Veteran living month to month on lower-fixed-income benefits since XX/XX/XXXX single, currently age XXXX with no savings account or assets. I am a rescued XXXX XXXX veteran living in XXXX County Florida taken off the streets in XX/XX/XXXX securing residency where I still reside. Discover was a constant caller menacing with threats in USPS mail demanding payment which my VA underfunding simply doesn't allow for. Discover belligerently refused a credit consolidation loan twice when I was up to date in payments then I watched my hard earned XXXX credit rating terminally disintegrate over the months and years that followed. I received a Small Claims Court summons by a Discover Attorney and appeared submitting my " exempt '' VA and minimal Social Security documents to the court in a timely manner. XXXX  court appearances I witnessed my XXXX condition for 100 % XXXX and every piece of my defense was equivocal to when the government uses black ink on official documents in every line my defense was methodically " blacked out '' as the judge verbally dismissed any defense provided her. The " two party contract '' was tampered with as the court only considered the Plaintiff throughout the entire trial and Final Judgement. Application for a credit card formally is a two party agreement but in court Discover altered that agreement after the fact prosecuting instead an intended conversion to a single party contract, voiding legitimacy. Other complaints to CFPB Discover refused to acknowledge my 100 % exempt documented XXXX benefits and vehemently pursue collections now locked in for 20 years with Circuit Court Final Judgement with increasing percentages and taxes annually against funds that are not accessible to them in collections. My last complaint with Discover CFPB " XXXX '' determined Discover has done no wrong even after being cited with two Florida State Statutes forbidding collection of exempt income. As she also noted she will refuse any further communication or responses and refused further cooperation with CFPB in the future rather than simply dismissing their case in XXXX XXXX in compliance with Florida Statutory law. Where now Discover is willfully, wrongfully intending to collect from documented protected income with criminal intent causing undue mental anguish from day to day compounding symptoms of my XXXXXXXX VA outpatient XXXX XXXX XXXX status vehemently and unrelenting..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have been disputing this debt since XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered XXXXThey since charged off this account and reported it as a charge off even after I spent months trying to reach then to dispute and I have certified mail receipts to prove it. As an American citizen, I thought I had rights that prevented a credit card company from ignoring my disputes and harming my credit. This has caused me mental and emotional stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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 2023-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : Bankruptcy XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I had to change the deposit account where my mortgage payment was pulling from. I contacted Flagstar and informed them of what I was doing. They said that the current month should be paid for their system to allow the change. I paid in advance {$1100.00} on XX/XX/XXXX. Days after I believe, I set up ACH to pull half of my mortgage every other Friday to the new deposit account and went through just fine. I realized after that I did not cancel the prior ACH payment for {$860.00}. I contacted Flagstar I believeXX/XX/XXXX, and they said that they are not seeing the payment which is understandable as it was scheduled to pull on XX/XX/XXXX, but I am no longer able to cancel with my bank as it was already systemically initiated 2 days prior to the scheduled date. Finally, the unintended payment of {$860.00} posted on XX/XX/XXXX I reached out to them to refund the overpayment and they advised me to fill-out a form and send back to them. I did what I was told and emailed the filled-out form on XX/XX/XXXX The form was Flagstar 's ACH Refund Form. It had details of the payment and where it will be sent which was the same account where it came from. They responded XX/XX/XXXX, requesting for a copy of my bank 's history ledger showing that all payments made to Flagstar have cleared. And if I have a negative balance, to confirm with my bank first that the payment will not be reversed. I responded by asking why they are asking me for proof that payments have cleared when the payment had already posted in my account for days. Today, they sent me the same email response. The unintended payment posted 8 days ago on my mortgage and they are still asking for proof that it has cleared. Flagstar is unwilling to return the duplicate overpayment when they already received the ACH payment of {$1100.00} on XX/XX/XXXX, the same day the overpayment had posted on my mortgage. Please help.This bank is not servicing their customers in good faith. What they should be concerned about is if they refund the overpayment, will it result to my mortgage going in default ; and obviously will not as ACH had been set-up.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo account XXXX  trying to make sure Wells Fargo dont owe me money from the lawsuit.

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 2023-04-26 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I am writing to bring to your attention my concerns about Nissan Motor Acceptance Company 's ( NMAC ) practices regarding the sharing of personal nonpublic financial information of its customers. As a customer of NMAC, I have been made aware of their information-sharing practices, which I believe may be in violation of federal and Maryland state laws. 

The Gramm-Leach-Bliley Act ( GLBA ) is a federal law that requires financial institutions to safeguard the personal nonpublic information of their customers. The GLBA mandates that financial institutions provide privacy notices to their customers explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I am concerned that NMAC 's privacy notices do not adequately explain their information-sharing practices and do not provide customers with a clear opportunity to opt-out of having their information shared.

Additionally, the Maryland Confidentiality of Personal Information Act regulates the disclosure of personal information by financial institutions in Maryland. It requires financial institutions to provide customers with privacy notices explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I believe that NMAC may be in violation of this law by not providing clear and concise privacy notices to its customers.

I urge the CFPB to investigate NMAC 's practices regarding the sharing of personal nonpublic financial information and take appropriate action to ensure that NMAC is in compliance with federal and Maryland state laws. It is imperative that consumers ' personal information is protected and that companies such as NMAC handle this information responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This issue is regarding an auto loan I had dating back to XXXX, with Credit Acceptance Corp. It was a used XXXX  and the transmission went out on the vehicle, I called and had them pickup the vehicle. I only had the vehicle for 24 months and the transmission went out. Credit Acceptance is reporting the vehicle on my consumer file as a repossession, the vehicle was not a repossession, it was an involuntary repossession because the vehicle was sent back because it had a faulty transmission. In addition, Credit Acceptance Corp is claiming I owe a balance of {$4100.00} dollars for a lemon they sold me. This account should not appear on my consumer file, Credit Acceptance Corp is reporting inaccurate information on my consumer file and this account should not appear on my credit file. This account should be removed from my credit file.

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 2023-04-26 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: Paypal Holdings, Inc
State: MT

Complaint narrative:
as of XXXX XXXX XXXX  there was {$600.00} on my paypal card after 1 call 2 XXXX only {$270.00} was left!! My purchase was nit that much! Next day I called n they said there was an error ... after 2 more calls in XX/XX/XXXX5 more calls in XX/XX/XXXX both XXXX n XXXX both saying they see the mistake ... .as of today I have not recieved a dime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management keeps calling and harassing me about a 6 year old debt that was already disputed and removed from all credit bureaus as unverifiable. My phone number is on the National Do Not Call Registry and I also told them multiple times to stop calling and send all correspondence to the mailing address they have on file. They continue to call me daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: TX

Complaint narrative:
I received a call from a representative by the name of XXXX at XXXX on XX/XX/2023. She was rude and I told her she was speaking to the debtor. When she wanted to verify more information I told her I was not going to voluntary provide any more information to use against me.all she did was repeat the questions. When I advised again I was not, she stated they had a return mail. I told her I was not going to provide anything. She yelled and stated " thats your problem ". When she realized she yelled she paused then repeatedly asks for more information. I disconnected the call after this. This was a clear sign of overt discrimination. This has happened before with XXXX loans. I filed a complaint and you guys did nothing. I don't want to hear it this time. It seems if I was a protected class of a type of person or culture. Something would be done in a heart beat. No questions asked. But let it be a normal human being and we don't get any help. It seems the only way to get any resolution it to blast it on social media these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: UT

Complaint narrative:
I tried to withdraw XXXX of my rent money from the atm inside the XXXX located at XXXX XXXX XXXX XXXX XXXX Utah the first time it said declined then I put my card in again because I knew I had the money in my account the second time it said declined please take your card. The atm did not give me any money at all but it took XXXX out of my account. I told the guy working at XXXX there atm didnt give me my money he said he cant do anything call the number on the atm so I tried but they said I need to contact my financial institution. So I contacted cash app they said to dispute the transaction so I did they denied my dispute so I asked for the information they used to make there decision and they didnt even investigate this. I also did call the XXXX XXXX police That XXXX was my rent money and every day I am getting a XXXX late fee because I dont have a extra XXXX laying around to cover there mistake and they have been nothing but rude unhelpful and totally not understanding. I shouldnt have to pay back XXXX $ every single day because they dont want to do there job and investigate it and give me my money back. This happened on Thursday XX/XX/2023 today is 6 days later so far that is XXXX almost XXXX extra I have to pay and its only going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
They are repeatedly calling me, and now they are calling friends and family. I speak to them when they call, and I have told them to send me a letter, and we also agreed on a reduced amount for the debt. They have not sent anything to me, and are now harassing my family and friends. I have told them that I will not make a transaction over the phone. They will not stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I requested to receive my title when I paid it off in XX/XX/2022. They sent me a title but not the lein release. I go to the dmv and thats not the correct title and I cant do anything because they sent me a title that should of never been sent and I dont have the lein release still to this day. I called them they told me that I need a wet signature lein release and told me they will fax it. I need my title or Lein release ASAP its been 4 months and they still show they have a lein on me at the DMV. This is Hyundai motor finance

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 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY TRANSUNION XXXX XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.

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 2023-04-26 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: FL

Complaint narrative:
Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.

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 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2023, I received an email from Capital One stating that they received an application for credit and would be contacting me shortly. i did not submit an application for credit. I also received a notification email from XXXX about the inquiry for credit. 

I immediately contacted the ( 3 ) main credit bureaus to report a fraud alert ; I contacted Capital One, which they stated they would send the application for credit to their fraud department ; and I submitted a police report online. 

XXXX Credit Bureau stated for me to still contact FTC and make the report, which is why I am providing this information. All three credit bureaus do have a fraud alert on the accounts for one year.

Company response to consumer: Closed with non-monetary relief