vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: WA

Complaint narrative:
In XXXX if XXXX I accidentally paid my card balance of XXXX to my Amazon store card. I called them and ask them to return the second payment if they could keep the first payment because I owe them that money they refused and said that it would take more than 60 days for me to get the {$400.00} back which wouldve meant that I wouldve been evicted from my house, needless to say I went to my bank. I stopped one of the payments so that they would not get over {$800.00} out of my account. The second one was left open for them to go ahead and take their money like I owe them. I then called And close the account permanently now they are telling me that I still owe them {$400.00}. I have a bank statement that says that that money was taken out as a fourth payment on XX/XX/XXXX. So they can stop their collection actions or I can sue them because thats where Im at right now Im working hard to keep my credit score at a decent mobile pay off what I owe and I sure as XXXX dont need them dinging my credit score. I do not know why synchronicity bank is allowed to even operate. They are a predatory lender and have been for years.

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 2023-05-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Back in 2021 I closed my account with XXXX  and returned all the phones. The reason I closed my account was because of their poor billing practices. I had to repeatedly call them because they were not billing me correctly. When my contact was up I switched companies. They continued to bill me. I called them repeatedly and they never cleared my account. I was even told by one of the collections people that this was typical for them. I refuse to pay them because they are so inept at billing that they didnt close my account correctly. If they do this to everyone just think how much money they can collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
1. Received pre-approval from US Bank on XX/XX/2023 from US Bank for a VA mortgage loan up to {$370000.00} 2. Signed purchase agreement on XX/XX/XXXX or XXXX, with a closing date of XX/XX/2023. 
3. Submitted all documentation and information requested to US Bank within one week.

4. US Bank customer service representative called with weekly updates on our mortgage. We were advised that we received approval from underwriting. 
5. XX/XX/XXXX a professional moving company packed our residence in XXXX for our relocation to XXXX 
6. XX/XX/XXXX, while we were actually driving from XXXX XXXX XXXX customer service representative called to advise we had a new underwriter assigned to our loan who had more questions and closing might be delayed. And the house did not pass VA inspection due to some areas that needed to be scraped and painted on the house. 
7. XX/XX/XXXX the US Bank customer service representative called requesting written proof of my husband 's transfer from XXXX XXXX XXXX XXXX location. We advised the transfer was still in process and thst we don't have a date yet. We asked what the problem was as I will be living in the house, my husband makes plenty of money to qualify for the mortgage and we have very good credit. The customer service representative was unable to answer our questions. 
8. XX/XX/XXXX the manager over our customer service representative advised that we were being denied our loan since we could not prove that my husband would not be in residence within 60 days of closing. She also stated that every other large bank would do the same thing. She also verbally accepted 100 % responsibility for our loan falling through on behalf of US Bank. She made the same admission to our realtor. She said that the bank would reimburse us our moving company costs as compensation for this situation. 
XXXX. We had to forfeit our XXXX deposit as the sellers were threatening to sue us for breach of contract. I advised the manager that I felt that the Bank should reimburse us for our lost XXXX money. 
10. We had to scramble to find an apartment for me to live in.

11. I feel that the bank should reimburse us for all up front payments to the bank for this failed mortgage, our moving costs, our lost XXXX deposit and the initial cost of renting our apartment. Not to mention the extreme stress this situation has caused.

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 2023-05-25 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: NY

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

I told XXXX and Equifax to reinvestigate these accounts : XXXX XXXX # XXXX, The Bureaus # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX. However they stated everything was complete and accurate if the open date, date of last activity, charge offs reporting as ok and much more. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting accurately. 

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

1581 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

1581 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 items of information other than the records of convictions of crimes with antedates the report by seven years.

1581 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX i called the lender to request a payoff statement for my HELOC loan to be faxed to my attorney. I provided my attorney fax number. The rep I spoke with stated that the payoff statement would be faxed to my attorney in 2-3 business days. It should be noted that I had previously requested a pay off statement from the lender on XXXX and this was received by my attorney on or about XXXX On XXXX i received an email from my attorney that they had not received the payoff statement at XXXX on XXXX I called the lender and spoke with representative XXXX in the loan servicing department. XXXX stated that the payoff statement request was rejected because the attorney was not an approved coop attorney. XXXX transferred me to supervisor XXXX in the loan servicing department. XXXX confirmed that the payoff request did not process because the request did not come from an approved coop attorney. XXXX confirmed the fax number on the XXXX request was XXXX, XXXX confirmed the fax number on the XXXX request was XXXX and the XXXX requested was faxed on XXXX. XXXX confirmed that the request came from me ( the borrower ) on XXXX and on XXXX. First one was completed and second one was denied but both requests were exactly the same. XXXX submitted an urgent payoff request to the payoff department manager to ask why the XXXX was not completed or to rush this request out today. XXXX stated that the payoff department XXXX has a standard turnaround time of 2 hours for an urgent payoff request. The payoff department replied to XXXX stating that they can only accept a payoff request from an approved attorney for a coop. XXXX confirmed that the payoff department is not able to accept payoff requests from the borrower directly and that the prior payoff statement was issued in error. XXXX stated that the payoff department advised that the borrower should already be aware that payoff requests must come from an approved coop attorney. XXXX confirmed that all of the lenders calls are recorded. XXXX provided his contact information. XXXX stated that the is able to speak with my attorney directly with my verbal approval and the verbal approval is good for 24 hours. I provided my verbal approval to speak with my attorney and/or her assistant. 


I believe the lender is intentionally delaying my payoff statement in an effort to extend the length of my loan so they can collect more interest. If this was an error the lender should accept responsibility and refund the interest due since the date of the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached

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 2023-05-25 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: MO

Complaint narrative:
According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached

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 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.

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 2023-05-25 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:
Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, I noticed an Unauthorized inquiry made by your company XXXX on XX/XX/2023. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2023-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-25 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number isXXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit : XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/

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 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I received a loan for the purchase of a boat in XXXX from XXXX XXXX, a division of Santander USA. I paid the loan in full in XXXX of XXXX. 

The boat was documented with the Department of Homeland SecurityXXXX XXXX and did not have a state title. 

The boat was sold in XXXX of this year. When I requested the documentation/title be changed with the XXXX XXXX to the new owner I found that there was an open lien with XXXX XXXX as trustee servicer for XXXX XXXX. The bank has sent a lien release to the XXXX XXXX but has not included the legal description of the person signing the lien release. Because of the lacking legal description the XXXX XXXX will not accept the lien release and I am unable to transfer title to the new owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Sent them legal tender of {$57000.00} for account # XXXX, XXXX XXXX  refused payment and destroyed my instrument, stating the amount provided was insufficient to cure the default. Which means debt should be discharged since they refused payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Check my credit report and notice incorrect information.

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