vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I ran my credit, and I notice I had a fraudulent discrepancies from a company named Mariner Finance on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Since XX/XX/2022, the interest rate of the line of credit has increased from 3.75 % up to 8 % in barely 4 months. I have requested a copy of the note in multiple occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never received the Note. The first two times, Specialized Loan Servicing stated that they had sent the requested information by regular mail, and if USPS never delivered the document, that situation was out of their control. However, on XX/XX/XXXX, a customer service representative named XXXX confirmed that the Note would be sent via email by XX/XX/XXXX. Today, it is XX/XX/XXXX, and I have not received the copy of the Note that I have requested 4 times. I am entitled to have a copy of this document with a clear explanation of why the interest rate has increase almost twice since XXXX. Specialize Loan Servicing has an obligation with the borrowers to provide the Note. Please investigate the questionable practices of the company, hiding information and delaying the delivery of this important document

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 2023-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
A account that was closed in around 2016 had a negative balance due to fraudulent charges. Regions bank puts the customer on hold on the phone and the issue never gets resolved due to regions canceling the call. Regions bank refused to file a fraudulent complaint leaving the customer in a helpless position.

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 2023-03-28 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
In accordance with Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NY

Complaint narrative:
I had a realtor in XXXX of XXXX who was helping me look for some apartments. He showed me a few and he had some of my information based off my W2 that I showed him. I did not give him permission to apply for none of the apartments he showed me. ( which he only showed me just two ) something just felt suspicious because my intuition was telling me not to trust him anyway. I Listened to myself of course and no longer worked with him. im currently looking on my credit report and I see that it says " tenant screening ''. I'm sure that's him because I was working with him around that same time. I did not apply for any apartments with him neither did I give money for an application fee so I'm not even sure why its on my credit report. the date of this inquiry was XX/XX/XXXX Here 's the creditors information XXXX XXXX Im not sure where this Experian account came from as well. I have no knowledge of this information. I didn't even know Experian had business credit. Im unaware of this activity and this was not me. the date of this inquiry was on XX/XX/XXXX Here 's the creditors information EXPERIAN BUSINESS CRED

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 2023-03-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
2 years ago, I repaired the vent and central AC in my house. XXXX XXXX XXXX, XXXX, PA. 

I arranged auto pay of {$270.00} with this company ( Ally Lending ). So that I can pay off within 18months stipulated interest free. 

XX/XX/XXXX was the day the last auto pay was deducted from my account. Leaving {$35.00} I received a letter dating XX/XX/2023 that I have an outstanding payment of {$1400.00}, which I immediately called back to dispute. 

The representative told me on a recorded line, that since I called within the 7days of the notice, I am allowed to pay off the {$35.00}, and will no longer be liable to pay the {$1400.00} interest. Which I did that very night. 

I was given pay off confirmation Number : XXXX XXXX XXXX. 

But I have since, been harassed, with reminders, emails, and mails. 

I have disputed through emails, and phone calls to no avail.

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 2023-03-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was a victim of identity theft and 2020 I submitted a police report along with all documentation to Trans Union and XXXX and XXXX. All the accounting questions are removed from my credit report matter starting to show back up and I scored his job and I am in the process of trying to get a home equity line and it is really bad. I need these accounts and is along with all

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Had overdraft fees charges

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  _ {$770.00} XXXX XXXX XXXX  _ {$1100.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I Have no knowledge of this account, but it is being reported on my credit report.

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

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 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
In XXXX of this year, I saw where I had a couple of medical collections on my credit report. One for {$170.00} and one for {$200.00}. Both of these collections were with the same collection agency called XXXX. I called in XXXX and I paid both of these accounts even though I had no idea they ever existed. In the beginning of XXXX of this year, I noticed these two collections along with another collection for {$470.00} suddenly reported with a new collection agency named Ability Recovery Services. Myself and my wife have called Ability Recovery and we've provided proof that the collections have been paid. This was done almost 2 weeks ago. When I first sent in the letter to show the account was paid in full, they responded asking me for the account number even though the account number from the original creditor was on the letter showing the account was paid in full. At that time I didn't have the full account number for Ability Recovery because it was listed on XXXX XXXX and XXXX XXXX doesn't show the account numbers. My wife called everyday last week asking if they could escalate this because we are in the middle of trying to purchase a home and these collections suddenly reporting have caused scores to drop. Noone at this company was helpful or attempted to escalate the problem for a quicker resolution but instead told my husband on yesterday that it would take another 60 days for a resolution. We do not have 60 days and this is not our error. We paid these accounts as soon as we knew they existed and they should've never made it into Ability Recovery office. With the way the interest rates are rising, we don't have 60 days to wait for them to take their sweet time investigating information. There is nothing to investigate. I clearly sent them a receipt showing the accounts had been paid in 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 2023-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I ran my credit, and I notice I had a fraudulent discrepancies from a company named XXXX XXXX on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, this complaint is actually regarding the Equifax Data Breach Settlement Administration. I have reached out multiple times since XX/XX/XXXX to clarify with the administrator when checks would be distributed since the website indicated Fall XXXX checks would begin being distributed. I also contacted the administrator in XX/XX/XXXX because I was anticipating a change of address and was trying to proactively keep them informed of address changes. Each time I was told it was unknown and likely not going to happen soon. Then out of the blue on XXXX XXXX, XXXX, I got an email from XXXX that I needed to cash the check that was sent. By then I had moved and had no idea a check was sent. I have contacted the Administrator multiple times in XXXX providing the updated address and trying to confirm when a check would be redistributed or how else I can receive my distribution. I have also requested a supervisor contact me. No one has responded by phone or via email. While the administrator reps are friendly ; this entire process has not been very consumer friendly and has been quite cumbersome and frustrating. It is sincerely concerning why a consumer can not simply call and be given an estimated date of check distributions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX letter received that the lease on safe deposit boxes and checking accounts are cancelled with no explanation. Annual fee paid on safe deposit boxes in XX/XX/XXXX. 
XXXX went into branch to withdraw money and items from safe deposit boxes. XXXX XXXX denied the withdrawal. Sent home and asked to call a number - ( XXXX ) XXXX " Compliance '' on the line left a note on account allowing the withdrawal and mentioned that the refund on the safe deposit box will be processed once the account has been closed XXXX lease on safe deposit box cancelled on XX/XX/XXXX per letter XXXX called chase to get refund on safe deposit box. CSR on phone mentioned that they can't process the refund over the phone and need to go to branch for the refund to happen. CSR mentioned that If branch can't process refund, have the branch call them. However, when we arrived at branch, the branch mentioned that we can not receive a refund because the account is already closed and that there's nowhere to refund the fee to. We called CSR, but they mentioned they can't process the refund on the phone ( as we were told before ) but provided no further instructions to the branch on how we can get the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
( XXXX  XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: TX

Complaint narrative:
This makes the 3rd complaint I have made about setting up the direct deposit on my way2go card. I am unable to do that. I file a complaint a person calls me back and tells me that she ( XXXX ) is not able to assist me. That she has to file a web support ticket and I have to wait on someone to call me back. I was told this same thing back in XX/XX/2022 when I originally filled the complaint never received a call. Here we are again today with the same thing. My issues is not resolved. I am going in a circles with this company. I was told by XXXX that she does not have to follow up with me. After she has filed the compliant she said someone is supposed to call me back within 24 hrs. If they do not she will file another form and go on from there. But she is not able to assist me. 
My problem is I am trying to set up the direct deposit and this is the complaint however I get people that call me back that can not assist. 

If this issue is not resolved within the next 7 days I will file a complaint against XXXX XXXX.

Company response to consumer: Closed with explanation