vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
In early XX/XX/XXXX, Fortiva misreported my account to credit bureaus! To this day, XX/XX/XXXX, Fortiva has not reported my correct card number to both XXXX and XXXX! I have contacted Fortiva a myriad of times and their response has always been please wait XXXX to XXXX days for an updated report! However, this has been going on for XXXX months!! During the last contact, I spoke to a supervisor and requested that I speak to the department that does the reporting! She told me that they could not be contacted by phone ( nonsense ) but she would send them a note! This was a couple of weeks ago! 

Please help me with this as it has an impact on my credit score! I had trouble with Fortiva years ago when they would not repay me for fraudulent charges! You helped to resolve that issue and I need your help again!

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 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CT

Complaint narrative:
My loan servicer was transferred to another mortgage company as of XXXX. I received a notice from the new servicer that my escrow account was grossly overdrawn, and my payment would need to increase nearly 50 % for the next XXXX months. 

Upon reviewing the annual escrow account disclosure statement, the previous servicer had paid out property tax nearly XXXX what the actual bill was. The property tax in the town the house is in only bills once per year and thus only XXXX payment per year. In XX/XX/2021 the amount of XXXX was paid ( erroneously ). In XX/XX/2021 a payment in the amount of XXXX was made ( also erroneously ). A third payment of XXXX was paid in XX/XX/2021 which is the only payment that should have been paid. 

I contacted the Town which the home is located in, and they have stated they did not receive the XX/XX/2021 and the XX/XX/2021 payments. The town did receive the XX/XX/2021 payment. 

When I contacted the previous mortgage company ( Homebridge ) who made the mistake they said they would look into and get back to me in a few weeks. I believe they should credit my account immediately. This is an escrow account with my money in it. They continually refer to the money as " their '' money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mother and I have a checking account that was frozen for no reason. The bank said the account was being closed and our funds were frozen for two weeks. When we called the main office we sat on hold for an hour, then when we asked for a supervisor we were put back on hold and hung up on.

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 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
issues with PayPal and one XXXX XXXX. A little background is in order to help you understand the situation. In a long distance relationship with XXXX who is overseas. Money sent to PayPal which I then transferred to my bank account. When it cleared, that was sent to XXXX via XXXX. 

The money was to help her get home and cover hospital bills. XXXX added comments that it was for goods and training. Not the case, which he knew. After a month lodged a complaint demanding refund. The amount, and case # attached. 

XX/XX/2021 {$3000.00} # XXXX {$840.00} # XXXX {$250.00} # XXXX {$250.00} # XXXX {$160.00} # XXXX PayPal ruling in favored of XXXX. Issuing refunds. Why do I think it's a scam or fraud? He misrepresented the transactions. The email he provided PayPal, XXXX, does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion continues to falsely report account information despite direct dispute with them. The bank institution has verified my dispute as legitimate but TransUnion fails to correct the issue. 

My account with XXXX XXXX XXXX XXXX has been paid in full and closed since XX/XX/2021. I have provided the final statement to TransUnion but never get a response or it will say verified as accurate when it is not.

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 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I was told by the company manager that my payment history that is reflecting interest fees is their process. However, the loan that I apply for does not have interest fees until 18 months that was associated through the company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TX

Complaint narrative:
XXXX XXXX  is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as XXXX transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXX  ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )

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 2022-01-10 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:
XXXX XXXXXXXX is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXXXXXX ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the 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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am coming off a lease with Chrysler for my XXXX XXXX XXXX. I decided to buy it and was referred to this company Santander who apparently handles the buyout. I filled out some paperwork and got a pre approval. They sent out additional paperwork which I filled out and returned. They told me there was some additional underwriting. I didnt hear from them so I shopped out another rate from a local bank and got a much better deal. So I sent them a termination email early this morning XX/XX/XXXX @ XXXX explaining that I wanted out of their loan. At XXXX this morning, I received an email that my loan has been funded. I called the loan XXXX and she told that I can't get out of it now. I asked her why it took so long to hear back from her and that my application was still in underwriting and that I didnt commit to anything at this time. She apologized and said she was out of the office and couldnt back to me on a timely basis. I then called the XXXX customer service number provided on their approval email and was put on hold for XXXX minutes just to have a recording come on and say that everybody was in a meeting and to call back. What a scam! I am furious! I want the loan from local bank! i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: TX

Complaint narrative:
I moved out of a XXXX XXXX unit on XX/XX/2021. 
I paid for storage from XX/XX/XXXX through XX/XX/XXXX. The company has a 5-day grace period for payment. They are attempting to charge me XXXX for the full month of XXXX. I refuse to pay since I did not occupy the unit, and even according to their own policy, I do not need to pay them.

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 2022-01-10 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: NC

Complaint narrative:
The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX XXXX XXXX  # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 
the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CO

Complaint narrative:
My complaint is about American Pacific Mortgage ( XXXX  XXXX XXXX, AZ XXXX ) assessing a flood insurance fee of {$2300.00}. However, when closing came there wasn't any mentioned on their part to get flood insurance in a area that doesn't flood. 
I have spoken to FEMA ( unfortunately ) and FEMA wants me to do an inspection and obtain an XXXX XXXX which cost {$4500.00}. 
Furthermore, I received a phone call from FEMA ( XXXX XXXX, 2021 ) indicating that my subdivision where my house is didn't require an XXXX XXXX. Go figure! 

Now, American pacific Mortgage wants me to pay that amount, but I will not. XXXX should have known I didn't have the flood insurance at closing, but XXXX waited 4.5 months to now assess me with this high flood insurance fee. 

As far as I know I am allowed to choose my own insurance. However, I did contact APM a couple of times about this and I never heard back from any one. 

I CAN NOT AFFORD to pay {$200.00} + XXXX + {$160.00} = {$1900.00} per month when XXXX should've told me this before closing. This is ridiculous!

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 2022-01-10 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: Kikoff Inc.
State: WA

Complaint narrative:
On XX/XX/2021 an account was opened in my name with Kikoff Lending LLC. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.

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 2022-01-10 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: OH

Complaint narrative:
My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX as a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a XXXX, XXXX, or XXXX  law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.

Company response to consumer: Closed with explanation