vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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 Credit Card account # XXXX, collection account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, states I have a right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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 2023-08-23 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: NC

Complaint narrative:
The following accounts are not accurate and need to be deleted immediately from my credit report. 

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 explanation
Consumer complaint received 2023-08-23 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXXXXXX XXXX : # 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 1 5 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: ID

Complaint narrative:
I had a check and go loan, that kept pulling out of my account, when I was paying in person, with medical bills and cost of living going up, I had to default

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I asked for a forbearance agreement. Since the beginning of XXXX Bani of America has been sending me notices non-stop. Every single day almost. My house is not going anywhere. I requested assistance from the State of Florida to help fix up my house so I can insure it. I am still waiting on that assistance. That could be years in the 'State of Florida XXXX 

Bank of America removed my online access so I can't see my account online. They did this about 2 years ago. I can't get online to see what is happening with my account yet so far in the month of XXXX they have sent me about 10 notices. I am not sure what they want me to do? Rob a bank? 

When I asked them about this and this makes absolutely no sense they said because I had to wait 2 years for them to stop dragging their feet over a loan modification that they would not restore my online access because they dragged their feet for two years. 

I can't even go online to pay my mortgage. 

But they are just salivating at the bit to take my house away from me a XXXX XXXX yr old woman. They can't wait.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America -- which is already under investigation by CFPB -- has set up its credit card payment system online in a manner that is not consistent with any other card company AND they do not disclose to the customer that if the consumer selects the payment due date on their online payment form and requests transfer from their bank account to Bank of America on the due date that this simply ( in the words of CSR at BOA ) " starts the process of payment '' which can then take " up to 24 hours '' to complete, meaning that BOA may then delay the payment and charge a {$39.00} junk late fee for people who have actually paid their credit cards on direct ACH from the bank to BOA on the day it is due. I contacted BOA about this and they " filed a report '' with their internal department and when asked, indicated that they " don't follow up on such reports with their customers. '' I have paid off the balance on this card and will not use it again. This is a fraudulent enterprise and they do not deserve my interest payments.

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 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This company has called me today the day before and many other days which I have logged in my phone book from 3 different numbers after I told them if they fail to explain who they are and what they are calling for then I do not want them contacting me and told them to take me off the call list and blocked 2 numbers and they call from different numbers. They have poor attitudes hang up in your face call right back and have smart tones and act like you don't know the law. I once told them if they keep harassing me I would report them that it'd illegal if i verbally told them to stop contacting me until I contact them back and she laughed and hung up in face and called again 20 minutes later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been trying to work with the mortgage to resolve this matte for some time but they went into forclosure without due process. 
I would like to pay with a negotiable instrument which within my legal rights. The bank is denying my right to pay through a negotiable instrument/Tender of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: IL

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.

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 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 2023-08-23 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: IL

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.

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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
I have emailed the customer support team multiple times over various months and have not gotten timely responses, nor have I been provided with and help to get access to my account again. They have emailed me expiring log in links that I have clicked immediately after receiving only for the link to not work. So I can not log in and reconnect my bank account, as a result I have late payments from them because they wont allow me access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Westlake Services, LLC
State: TX

Complaint narrative:
I suddenly received a call from this company ( Westlake Portfolio Management ) referencing an Auto loan account with them asking me to verify by personal information. I have never heard of this company before nor have I done any business with them or given them any of my personal information. 

Since the person on the phone refused to give me any information and I know that my auto loan is with XXXX XXXX, I hung up on them and blocked the phone number. 

To my surprise, I then received an alert from my credit report saying that an account with them was seeing missed payments. 

I tried to file a dispute with the credit bureaus effected and was not successful. I have tried to contact this strange company to get more information about what this is and where it came from and was not provided with any information. 

I need this removed from my credit reports immediately and if I do somehow owe anything to them, they will need to produce a contract or some type of proof that I did do business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank is still lowering and closing accounts with balances. This is creating a major impact on my credit scores. According to the bureaus, Synchrony Bank is the primary culprit in reducing my credit scores. I have never paid them or anyone else late. They keep responding with " their right '' to periodically review scores and make changes and that they don't base it on your history with them. Yet, the only issues that affect the scores they are using to make this determination is being adversely affected by only them! Where is " my right '' to expect that my loyalty and on time payments will not result in unfair and adverse actions on the part of synchrony. If they post another generic " our rights '' reply here, we will be forwarding this to our legal counsel. We are business owners who are required to personally guarantee some of our accounts/ insurances / bonding. This situation with Synchrony and their unfair practices has had a horrible impact on our ability to do so and conduct our business '. LAST CHANCE SYNCHRONY!

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: ND

Complaint narrative:
I received a phone call yesterday, XX/XX/2023 and approximately XXXX from First Credit Services . After speaking with them, I was unaware of the debt they stated I owed. I explained that I would like to dispute the debt. The person on the phone gave me my file number and an email I could send information over to. Immediately following the conversation, I wrote out a dispute letter asking for all the information about the debt, wanting proof they can collect debt in the state of North Dakota, etc. If I know my rights correctly, they are not allowed to attempt to collect the debt after the dispute has been made. The gentleman I spoke with on the phone also stated he was making note that I am disputing the debt. Today at roughly XXXX, I received an email from the company with an attempt to collect the debt. The email is a copy of what they would send me in the regular mail to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: MA

Complaint narrative:
To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, and onXX/XX/XXXX, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report I am requesting that those charges be removed immediately. 

-- -XXXX XXXX XXXX Date fraud began :XX/XX/XXXX Total fraudulent amount : {$4600.00} -- -XXXX XXXX XXXX XXXX XXXX Date fraud beganXXXX Total fraudulent amount : {$1300.00} -- -XXXX XXXX XXXX, Date fraud beganXXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX, Date fraud began : XX/XX/ Total fraudulent amount : {$980.00} -- XXXX XXXX XXXXXXXX, Date fraud began:XX/XX/XXXX Total fraudulent amount : {$4800.00}

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 2023-08-23 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: CA

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. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, A XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From 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 2023-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
current balance only reflects continues fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 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: FC HoldCo LLC
State: LA

Complaint narrative:
On XX/XX/2023 I went to a car dealership in XXXXXXXX XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
Contacted Direct Express about 2 charges that were made by XXXX XXXX and XXXX XXXX XXXX totaling {$1500.00}. I was charged an extra week by both hotels and was not refunded after I left. I tried to get the amounts refunded to me by Direct Express and this was not done. This is elder abuse.

Company response to consumer: Closed with explanation