vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number 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 2022-10-06 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, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, XXXX5 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan 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 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
XXXX XXXX and XXXX XXXX allowed someone to apply for a loan while my credit was frozen at the credit bureaus due to existing fraudulent transactions. Velocity Investments purchased this loan and notified me via phone and through the mail months after the debt was sold. XXXX won't take the fraudulent loan back and Velocity Investments wants me to pay the loan back stating that I have no rights for arbitration, disputes, and I am unable to seek punitive damages based upon an agreement I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NJ

Complaint narrative:
First Progress card has applied fees to the account ( annual fee ) without sending a statement of the due balance, then reported the payment as late. Their online system is unable to accept payment at this time and continues to show this. 

This is the ONLY late payment on any revolving account and it is due to their lack of sending timely statements. I became aware of this due to credit monitoring service. 

They did this same thing last year, however this year their phone number is not working, and they are uncontactable. 

This is damaging my credit and causing me harm with their unfair practices by not notifying me of the balance in a timely fashion and having a payment portal that doesnt accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

Zwicker & Associate, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : Zwicker & Associates XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does Zwicker include " XXXX at XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXX at XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
During XXXX time I needed help in order to start my business, that is why I set up a paypal fundraiser to receive donations. my credit grew and paypal just froze my account. when I called in they said that the funds will be available in 180 days. 
now 180 days later I still can not access my money it seems that paypal did steal all donations I have received for a total of {$6200.00} I need help to recover my money Paypal is a FRAUD and should be not able to just rob their users wallets!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, Toyota Financial, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX

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 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is in reference to an alleged debt Ive been harassed and abused by Midland Credit Management for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Midland Credit Management and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX Concrete F.C.U.V XXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant Midland Credit Management the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with XXXX and XXXX laws. Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am charged {$8.00}, every 7 days if I do not use my card within this time frame! This is absurd! I dont make purchases weekly, where this particular account is used.

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 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am attempting to find out what steps I need to take to get the private mortgage insurance removed from my home loan. although my current XXXX based on the value of my home from purchase is below the 20 % threshold I believe that upon a re-assessment of the home 's current value I will be above the guideline for XXXX. 

I attempted to work through the companies automated service " truist assist '' early in XXXX and the system said it would get in touch with me within 30 days. A timeline that has been exceeded as of my writing. 

I attempted to call the company on the XXXX of XXXX and was instructed by the representative to mail a request to " Truist Bank PMI Department Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX '' I sent the letter on the XXXX of XXXX and have not received a response.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was charged amount above what my dental insurance said was due, and charged for incomplete work or work that was never done.

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 2022-10-06 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: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I ordered my online groceries. I typically order directly through the XXXX app and Ive never had an issue when cancelling an order, having the money back in my account promptly when I banked with a different provider. 

The reason Im concerned is because it shows as a good on my account. My understanding is a hold and purchase are different. 

I urgently filed a report with my company and asked them why they couldnt return my funds as they never were authorized to leave my account. It will typically come out of my account as soon as Ive signed for my groceries. When I called on XX/XX/XXXX they told me it would be 3 days to return the funds. 

Today is Thursday, XX/XX/XXXX. So I called again to XXXX. The woman I spoke with had no solution and told me she would escalate this again. When I asked for a supervisor I was met with XXXX from their company saying she was a supervisor. After I was unhappy with her service and her not answering my questions on why they posted this transaction and didnt release funds promptly she told me their was no other supervisor I could speak with. I asked to speak with her claims department and she told me their only accessible by email. She then refused to give me their email. She refused to give me an employee number or anything to identify who I was speaking with. 

As a consumer Im very concerned with my security and how they allowed this to happen and how they allowed this to go days without anyone actually seeing the problem and assisting. 

Thank you so much for your time and assistance here. Ive never been so scared to purchase something when its my financial institutions job to ensure my transactions are authorized and true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have disputed this account multiple times with all 3 Credit Bureaus This account was opened on XX/XX/XXXX and Requested to be closed and paid in full XX/XX/XXXX since then the credited has been charging me late fees every month. 
I spoke to XXXX on XX/XX/XXXX he states a late fee was put on the account in the amount of XXXX on XX/XX/XXXX on XX/XX/XXXX I paid XXXX and requested the account be paid in full because that was not the first month they tried charging me a late fee charge. On XX/XX/XXXX there was a credit of XXXX to the account that was to show paid in full per the lady on the phone. The computer system reviewed the credit that was given to me and took the credit back that was given to me. Now over the last year I have been charge nothing but late fees every month on a account requested to be paid in full. This is the only account that shows I have a XXXX, XXXX and 90 days late and the account is closed. I have requested a Itemized Bill numerous times by the company who refuses to provide me with it because there are no charges just late charges they continue to charge me even though the account was requested to be closed and paid in full that day. It shows on XXXX XXXX that it is a charge off account which is not accurate and that I owe XXXX which I don't because this account was paid in full when requested to be closed that day on the phone. I am tired of asking this company to be honest and do the right thing this is fraud and affecting my credit that I have worked hard on as a single mother. I am a finance manager who pays my bills and this is a poor excuse of a company scamming people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 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: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX

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 2022-10-06 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: LEXISNEXIS
State: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I continued to make payments throughout XXXX on my student loan of XXXX. I called in to Great Lakes Higher Education Corporation my Student Loan service provider to have my payments toward my XXXXXXXX XXXX refunded to me on XX/XX/XXXX. I was informed by rep that the request would be process within a week or 2. When I noticed 2 weeks go by I called in. Then the information changed to that it could be up to 30 days to process refund. I emailed Great Lakes again on XX/XX/XXXX and received an email back on XX/XX/XXXX that now I will would not receive until 45 to 60 days. Each time I have contacted them the date continues to be pushed back. I have been waiting for over 37 days now. I have recently been impacted by Hurricane Ian and this refund will help resolve some of the financial hardships I am going through. Thank you for any help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Vermont Student Assistance Corporation
State: NY

Complaint narrative:
The Company VSAC uses an equation to determine their interest accrual. 

[ ( I x P ) / XXXX ] x XXXX. 

I = interest rate P= principal balance N= number of days since last payment. 

Given : Interest rate stays the same and every XXXX  days I have a constant amount directly withdrew. 

Does the interest amount that accrues go up or down every XXXX days? Mathematically it should go down. Correct?! 

Not VSAC, every week I am paying higher and higher accrued interest.. Making it almost impossible for me to pay the loan off. I can not make a dent into the principal balance. Then they capitalize the interest back on to the loan. 

I had communicated this to the company an they do not want to help or give a good answer. 
This company also did not let me pay off my interest AT ALL when I had my Federal loans with them. I would make HUGE payments back in like XXXX to try to pay of this loan and they would not pay the interest off. It is stated on ALL their literature that they pay interest FIRST. But not with me.. Then when the interest was not paid they capitalized all of it back to principal at the end of the year. I had to consolidate to get out of that. I have documents to prove that also but have to dig through files. 

I attached a document showing payments made and interest accrued. This just recently is happened again..

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