vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
To whom this may concern, I am writing to express my deep concern regarding the charged-off account from XXXX XXXX  account XXXX, which has been reported on my credit report for several months now. I believe that XXXX XXXX  is currently violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting this account as current, instead of being charged off and closed as it has been for months. This has resulted in significant harm to my credit report and has cost me thousands of dollars in lost opportunities. 

Furthermore, I would like to bring to your attention that a full and proper investigation was not conducted to validate the accuracy of this account. I was not provided with the actual date of the first delinquency, the account closure date, the original contract showing my signature, the name of the representative that validated every piece of information to be 100 % accurate and verifiable, and the time they spoke to ensure that the payment history is accurate. I am concerned that your reporting of this account has been inconsistent with other credit bureaus, which is a violation of my rights under the FCRA. 

I would like to emphasize that an account can not be reported as current after it has been charged off. Therefore, your company 's recent decision to report this account as current is a violation of the FCRA. 

I am requesting that your company immediately investigate this matter and provide me with a detailed explanation of why the account has been reported as current, instead of charged off and closed as it has been for months. If every piece of information related to this account can not be validated and is not 100 % accurate then I am requesting that it be deleted from my credit reporting. 

I look forward to hearing back from you in a timely manner regarding this important matter. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, My billing statement does not make sense. It says my mininum payment is {$150.00}. If I pay only the minimum payment, it will take me XXXX  years to pay it off. The next line states that if I pay {$140.00} a month, it will only take me XXXX  years to pay it off. How is that if I pay less the minimum payment it will take me less time? I have called, emailed, posted on social media to deaf ears.

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 2023-03-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report and I see this account reporting erroneous information and unverifiable. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-03-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rock Holdings Inc.
State: OH

Complaint narrative:
There was a lien put on our property at XXXX XXXX XXXX XXXX OH XXXX in the early XXXX 's. The home was refinanced in XXXX. The title company was Title Source which is now XXXX. At the time that Title Source did there checking they found that lien ( XXXX XXXX XXXX  ) and had sent for the release from the county. The county rejected the release because they were not the original lien holder. Nothing further was done on the lien and was sold to XXXX XXXX and is still open and has gained {$10000.00} in interest. Now that I am trying to purchase a new house this lien has shown up again which is 7 years older. Had the job been done right this would not be causing problems with me purchasing the new home now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: VA

Complaint narrative:
As of the date this complaint is being submitted the information being reported on my consumer report in regards to VA XXXX XXXX XXXX XXXX is being reported inaccurately and incompletely causing me a financial hardship.

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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
collection agency - XXXX communication company for cell phone keeps trying to collect debt. unknown amount stated they are lawyers unkown debt amount unveriable amount exagerated amount collection ageny portraying lawyers they are just collection agents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional credit has reported and alleged debt on my credit report and continues to contact me by phone. I believe they gave violated the FDCPA, FCRA, and defamation of character by reporting derogatory and or delinquent allegations upon my credit. I have sent a ceased and desist to this company as well Im regards to this alleged debt. I have not authorized anything within this company of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had two loans from XXXX XXXX XXXX XXXX XXXX in XXXX VA that went into collections in XXXX and XXXX. I paid both in full and they should NOT still be on my credit report as they are too old. I have argued with this bank to get these removed as they are too old. The bank refuses to do it and keeps reporting the loans as currently active. This is not correct and I want it fixed. The bank should be fined for false information and refusing to update the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
My car was financed through a company by the name of Consumer Portfolio Solutions in XX/XX/2019. Since that month and each subsequent month, I was charged a {$12.00} fee for each payment made since the purchase date. 
Upon calculating these erroneous fees, which were NOT disclosed prior to financing with this company, the total is {$570.00}. 
I am requesting that the full amount of each fee is returned to me promptly. This company didnt include paying a fee in order to pay my car payment each month. Ive purchased vehicles previously and never had a company charge me a fee for paying my car payment. 
Lastly I would like a full review of this company and why there are hundreds of consumer complaints. Not solely due to my issue I described above, but the preying on those who are both low income and in the process of fixing their credit. I will explain how. 
How? There is no transparency of how/why/when my payment will go towards interest or principle? Ive called and spoken to representatives who dont know how to answer that question, get defensive and tell me to refer back to my car loan agreement. 
I immediately began to read and look for the answer in the car loan documents and low and behold, theres nothing! 
Many consumers on different websites/blogs are having or have had these same issues. 
These practices are both deceptive and discriminatory, as this company is well aware of the customer base that they serve. 
I am demanding answers to both of my issues outlined above promptly. I am also demanding a full and complete refund from Consumer Portfolio Services immediately. 
Taking money while never disclosing the information is deceptive and greedy in practice. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT, I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE SO THAT MY FILE CAN BE CORRECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: LA

Complaint narrative:
Debt does not belong to me. Company needs to provide proof that the debt belongs to me.

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 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NC

Complaint narrative:
I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for XXXX XXXX to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with XXXX XXXX After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the 1st of each month. My ( previous ) normal due date the ( XXXX ) was now the ( 1st ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXX Mortgage ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted XXXX about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with XXXX. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.

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 2023-03-09 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: Aargon Agency, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for 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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
After I made a complaint. XXXX and XXXX XXXX had a party where they don't live in the house anymore. They had XXXX cars. XXXX was pretending to have a kids birthday party at night on a school night. They were turning on their car alarms through out the night. But their friends didn't like it cause I done it back to them. They had their friends park in front my house defacing my property with tire marks. I have it all recorded on my door bell camera. This was done in retaliation of my complaint. Somebody at Wells Fargo said the reason my account was closed was because I harassed XXXX XXXX. 

Well I have proof now they are harassing me. The time was recording when they started hitting their car alarm. I wasn't doing nothing for them to act like grammar school kids. 

If they had looked at the Bank security footage or spoke with the banker I was working with. They would see I wasn't harassing XXXX XXXX. The police didn't arrest me either. The harassment charges has been dropped because I got a lawyer. XXXX XXXX tried to set me up to get me arrested. 

I have no interest or car to go around XXXX XXXX. But she intentionally comes around me to falsely accused me of harassing her because she got away with it once. I never harassed XXXX XXXX. I don't care what Wells Fargo managers if they think I have. 

XXXX XXXX was giving car loans to her friends but wanted to financially ruined me and trying to make me homeless. 

XXXX XXXX had no right to have people over to harass me and my son. Then XXXX of their friends road raged out of the neighborhood. I have all the footage of the harassment recorded. With them harassing me and my son and disturbing the peace with them Turing on their car alarms. This is the type of employees they have working for them. And why customer service is so bad. 

As soon when it got dark. They started showing up. I had a right to file a complaint against XXXX XXXX for her trying to financially ruined me and have me falsely arrested even after the charges were dropped. 

Then causing me trouble at the bank. Where I can't have a checking account anymore. I want to inform Wells Fargo. There is no restraining order against me. XXXX and XXXX XXXX are not the victims. 

I and my son are the victims.

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 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC
State: VA

Complaint narrative:
I paid the debt for XXXX XXXX XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from Berkowitz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called Berkowitz & Associates and they said they do not have a location at XXXX XXXX XXXX XXXX. I called XXXX XXXX credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened an account with Truist online I founded the account with {$50.00} The day after the account was opened my account was blocked. 
Truist stopped all credit and debits on my account and referred me over to XXXX XXXX XXXX. 
XXXX XXXX XXXX took a couple weeks to reach back out to me and finally I couldnt even see whats on my record. I went to the branch and the teller told me infront of other clients my account was closed on fraud. The banker stated she had to submit a form because I was asking her to refund XXXX msf that were charged on my account a total of XXXX . She said I shouldve opened the account with XXXX to avoid any fees. She said she would submit a refund form but never got in touch with me. I called customer service a week ago never got a call back. I just want my money back because I was charged for an account incorrectly.

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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX of XXXX sent a garnishment of wages to my job from a summons i literally got XX/XX/XXXX of XXXX, XXXX  years ago. I have not received a summons since then and the statute was over on this bill in XXXX. I refuse even owing this money and the dentist isn't even a dentist anymore. He was rude on the phone and very unprofessional telling me that i do owe this money and he doing everything legally.

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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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