vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: IL

Complaint narrative:
I am writing to file a complaint against Equifax for various violations related to my consumer report. Despite my many attempts to rectify the situation, the agency has continually put a non-mailable address on my report from an unknown source. The agency has also deleted information off my report, but yet send correspondence with the wrong name. I have sent verification multiple times of the correct name, but the agency has not updated my report accordingly. 
Furthermore, the agency has furnished inaccurate information multiple times, which has violated the Privacy Act of 1974. Due to this inaccurate information, other companies are not able to pull my consumer report based on their database. I have tried to resolve this issue with the agency, but they have not taken any action to correct their mistakes. 
I believe that these violations have caused me significant harm, including damage to my credit score and difficulty in obtaining credit and other financial services. I have also suffered emotional distress and frustration due to the agency 's lack of response to my requests for correction of my report. These events has caused me to take legal action against the consumer reporting agency. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against the consumer reporting agency. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I told XXXX XXXX that I no longer want to do service with them. And they won't tell Ally lending to stop sending me bill. XXXX XXXX damaged my eyes with the XXXX. I don't want to get anymore treatment from XXXX XXXX. I wish Ally Lending would stop billing me and give me my refund.

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 2023-07-21 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:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
The issue is related to escrow management. The loan Servicer " Fay Serving LLC '' is not managing the escrow account for insurance payments and coverage correctly causing cancellation and continuously placing lender place insurance causing the mortgage payment to be unnecessarily expensive. 6 months after the refinance they failed to pay the insurance premium causing cancellation. When I was notified about the cancellation I immediately got insurance through XXXX XXXX which was an affiliate and also a scam. For several months Fay servicing sent letters and placed lender insurance even though I was using their affiliate. Finally they corrected the problem. I renewed again in XXXX  with their affiliate and they told me that I still did not have insurance so I cancelled with their affiliate and switched to a different company 6 months later they are still telling me I do not have insurance. The payment as gone from {$2200.00} to {$3800.00} to {$6800.00}. They are trying to make me default on the loan so the investors can capitalize. They give responses saying all the units are not insured but the insurance provides coverage for all buildings, common areas, units etc. ( anything at the address on the deed which is 2 building ). They only want the units covered but everything at the address has to be covered. The units are not stand alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: MD

Complaint narrative:
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX XXXX Debt Inquiry Date : XX/XX/2023 ( Unverified 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 2023-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Edd unemployment benifits transfer to BOA from XX/XX/XXXX allegedly frozen pending XXXX and Edd identity intergrity verification. Edd Ca released UI benefits for BOA debit card ending XXXX on or about XX/XX/XXXX and again about XX/XX/XXXX, as verified by XXXX, Administrative Hearing Judge, and EDD level 2 for conditional hardship payment..BOA refused to send replacement card, and alleged EDD never forward release of UI payments. I filed 3 complaints with BOA investigation department from XX/XX/XXXX tthrough XX/XX/XXXX. For 14 months of missing Edd UI regular and sick pay and employer all ( 3 ) eligibility determination by EDD. But never received Ui regular unemployment from BOA, ... which created inability to file and certify for ongoing eligibility claim. I received notice from EDD that Debit card would be forwarded from BOA. Boa forwarded Edd debit card ending XXXX that was misplaced during BOA prolonged freezing of 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX.i am trying to use my debit card but it wont work.i tried to log in into my online bank app and its locked i called them and they said thatmy account is closed .the bank closed it.i ask what the reason, they dont know.i been a member since XXXX, and this is so frustrating since i have so much bills link to that account and 2 direct deposit from my job

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 2023-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
To Whom it may concern ; My name is XXXX XXXX XXXX here to file a complaint against XXXX XXXX ( XXXX XXXX ) for lack of help on behalf of a veteran, which whom reached out to these entities who held my mortgage. On XX/XX/XXXX of XXXX  I purchased a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for my family and I. The purchase was made from a XXXX XXXX XXXX XXXX XXXX. The XXXX showed an absolutely beautiful home. So we sold our home in XXXX packed our things got on the road and moved to XXXX. Once we got here much to our surprise when we open the door it was nothing like we thought the house was a total disaster holes in the walls. Bodily fluids on the walls water seeping through the floor throughout the whole bottom floor. Trash was left in the house. Things were broken. We couldnt stay in these conditions. I had to max out my credit cards for a hotel for us to stay in while trying to clean up as much as we could in the house to make it livable. We couldnt afford the mortgage we ask the mortgage company for help multiple times and they said no. We asked the realtor for help they left us high and dry. It messed up my credit so badly that I had to file for a XXXX XXXX XXXX. And thats where Im at today can you please help my family and I with this issue please and thank you so very much.

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete ASAP.

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 2023-07-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 2023-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I purchased a new car on XX/XX/XXXX and Santander Consumer USA financed the car for me! The car was XXXX I placed XXXX down which brought the car to XXXX then after taxes and fees the car was XXXX well Santander financed the car for then basically did a dollar for dollar on the finance charge, so they charged me XXXX for the finance charge, so I am paying for my car twice which comes up to XXXX XXXX paying for a car that was XXXX! I have had the car for XXXX  years now, I have filed Bankruptcy XXXX  times and they have charged off my account and also written-off the account which means they no longer have it and they have gotten a credit for it on taxes, but they keep calling me and harassing me and keep lying to me about what they have done! This is ridiculous and should be against the law! And they also shared my personal information and account number to someones personal information! I really would like to know how I need to proceed with filing charges against them for that! I have the letter from the CFPB it happened XXXX XXXX, XXXX! I believe and you guys caught it on XXXX XXXX XXXX! How can I move forward with this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank will not cash my savings bonds and deposit the funds into my existing checking account. They told me my {$1000.00} Bonds exceeded their NEW policy of not redeeming more then {$250.00}. In XX/XX/2022 I had no problem. I've been with Chase since they were Washington Mutual. I have sizable amount in my checking account, and I am ANGRY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Today XX/XX/2023. I see a derogatory mark on my credit report. 
Company : Debt recovery solutions XXXX : {$3700.00} XXXX XXXX : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lacy Katzen LLP
State: NY

Complaint narrative:
I was just awarded my home in a recent divorce. I had to refinance in my own name to be able to obtain a mortgage. I was notified by email from the lender that there is a judgment/lien on the property. I called the county clerk 's office who notified me that there was a judgment. I then contacted the court where the judgment was made and they subsequently told me the nature of the claim, I discovered that this debt belonged to my son for unpaid car payments and repossession. 
They had his address listed and his identifying information but they put a lien on my residence because he shares the same name as my ex-husband. I explained all of this to the collector XXXX, who said that it happens all the time but they were not going to do anything to rectify the situation. My son and ex-husband have different birthdays, social security numbers, and middle initials. They even had my son 's address listed on the court documents. They were fully aware that these were not the same people. My son was XXXX years old when we bought the house. 
The judgment was entered on XX/XX/2023 in the amount of {$3800.00}. The business is XXXX XXXX XXXX XXXX. The debt collector is Lacy Katzen LLP. I spoke with the collector this afternoon on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21 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: MD

Complaint narrative:
This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This account does not belong to me its fraudulent account that I have not opened its being reported to transunion under a social security number does not belongs to me from midland credit management Inc Beginning or ending with XXXX in which I have spoken with transunion and midland credit management Inc and neither one of these companies have not corrected this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have never been contacted by this company collecting a debt for XXXX. The original bill was in dispute with XXXX. During communications with XXXX account was sent to collections. I was only notified once the account hit my credit. I disputed the balance then and explained I was never contacted or notified of the debt. To this day I have not received any information on this debt via mail or phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation