vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint against ERC for erroneous reporting and collections tactics on a time barred account. Since then, I received verification from ERC that the debt they have attempted to collect and are reporting on my credit reports has inaccurate information, per the documents submitted to me by ERC themselves. 

This is in reference to a XXXX account, which per ERC records was closed in XXXX of XXXX. The final bill sent was dated XX/XX/XXXX for {$100.00}. The collection account reported on my credit reports is dated XX/XX/XXXX- which is not only incorrect but also after California 's statute of limitations for debt reporting. 

After the final bill from XXXX, according to the documents sent to me by ERC from XXXX, there was another bill dated XX/XX/XXXX for the amount of the collection, which is {$58.00}. Again, the reporting date of XX/XX/XXXX is beyond the 4 year statute of limitations for debt reporting in California. And grossly incorrect, by a time frame of over 4 years. 

I contacted XXXX directly and they could not confirm whether or not the bill was paid, as their payment records only go back 5 years. They can not explain the 9 month gap between service termination and the 2nd bill for {$58.00} ; they were also unable to explain why the balance was different on both bills. Again, these debts are unverified as they have no way to confirm that no payment was received. 

It should also be noted that the communications from XXXX were all sent to an incorrect address in XXXX. From XXXX of XXXX to XXXX of XXXX, we lived in XXXX, CA- which again can be verified by my credit reports. Therefore, the notifications of these alleged debts were not received. 

In the letter received from ERC there is a phone number to call if I have any further questions or concerns. I have left multiple messages requesting a call back to resolve this matter but have not received a response. 

My request is that this time barred, alleged debt, be removed from my credit accounts as the information is grossly incorrect, per the records submitted by ERC themselves. This should have never reported to my credit in XXXX of XXXX and I ask that this be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is my place of work, and this is a State of Texas work place and they should stop calling that number immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: IN

Complaint narrative:
Better.com assured us during our refinance that they would be able to pay the homeowners insurance they collected after closing as the renewal was due more than 60 days out. 
Our renewal with XXXX insurance is not until XX/XX/2021. 
Better closed on our loan and three weeks later as of todays date the homeowners is not paid.

Also, they collected six months of insurance against our desire, we tried to argue with them but they would not remove the additional collection. This is against guideline. You collect 60 to 90 days of insurance to be paid after closing on a customer that pays month to month and is not escrow/impounded.

Now Better.com is saying they can not pay the homeowners insurance until the renewal is out.

Do you think holding our money for three months is legitimate or fair?

Do you think giving two stories, we can pay it after closing as the renewal is not due for 60 days then saying we can not pay it until the renewal is out, is fair?

They did not respond to numerous emails and requests for weeks and now the renewal is no longer sixty days out. 
This is deliberate retaliation. 
Please see attached XXXX, Better keeps insisting they collected three months but they collected SIX.

See where it says " renewal '' and there is a second collection.

See the initial CD where they had three months.

This company needs to be held accountable.

Our loan amount is {$700.00} higher due to them collecting six months.

They keep insisting they collected three months.

So they need to collect three months for the policy and three more for the renewal? 
This is unheard of ~ and I have on email they need to collect 60 days only, its a concern for all homeowners and I am from this industry so luckily know better. No pun intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not

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 2021-09-28 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: GA

Complaint narrative:
I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury.

in accordance with the written instructions of the consumer to whom it relates.

Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave TransUnion any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the inquiries accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX. XXXX of 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX both accounts I certify under penalty of perjury under the laws of The United States of America in the natureof [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know thecontents thereof, and that the information listed above is true, correct and complete.

REQUEST EXECUTED this XX/XX/2021 Respectfully submitted,. XXXX XXXX For/by : XXXX XXXX Authorized Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse

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 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have 3 accounts with chase that are being closed against my will. Two personal accounts as well as a new business account. 

I closed on the purchase of a XXXX XXXX on XX/XX/XXXX and have used Chase to hold the capital for that business. Out of nowhere my checks started bouncing and I had come to find out that chase is closing that account as of XX/XX/XXXX. They will not give me any explanation as to what I have done wrong, I have several other bank accounts with Chase and they are all small pharmacies which are still in good standing. 

Because this is a new business and I'm already bouncing checks it is extremely detrimental to the well-being of my business and my employees my customers and my vendors. 

I have been owning and managing pharmacies for the past 20 years and have never had an issue like this before. 

While I understand Chase has their terms and conditions and they say they can close my account at any time, I can not wait 10 business days for my check for the balance in my account to come to me. 

At this point in time Chase has over XXXX of my funds and this could potentially ruin me. 

I want to know what rights I have as a consumer, and is there any way I can have the cfpb look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, the natural person, consumer pursuant to 15 USC 1692a ( 3 ) have reached out in good faith to CapitOne to resolve this issue. I have asked for a debt validation according to 15 USC 1692g, which they have not provided me with all 5 required items. CapitalOne doesn't agree with what I have stated, which has been all law so now I am asking for verification - please tell me who is the Original Creditor which you have to provide pursuant to 15 USC 1692g ( a ) ( 5 ). Also note 15 USC 1692g ( b ) in regards to this dispute.

Also Pursuant to 18 USC 1341 you have committed a crime which is punishable by 30 years or {$1.00} million dollar fine, or both. You have provided me with a false representation of the amount allegedly owed pursuant to 15 USC 1692e ( 2 ) ( a ).

You also stated in attached documents of evidence that CapitalOne does not need to respond in an affidavit - according to law, a unrebutted Affidavit stands as truth regardless of your " opinion ''. Please see my documents and evidence attached, and I have not in good faith added the additional violations in the good faith that you resolve this issue with me in private.

12 USC 5565 ( a ) ( 2 ) ( E ), and 12 USC 5565 ( a ) ( 2 ) ( B ) refers to refund by law that is required for violation consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XXXX XXXX I contacted Tower Loan located in XXXX, Ms., the telephone number is XXXX and I spoke with a representative by the name of XXXX who stated I only needed to pay {$190.00}. She then proceeded to take out {$300.00} and {$190.00}. I placed a call to branch manager XXXX who stated he notified Supervisor but wasn't sure how they handled this. This is serious and they need to refund the {$300.00} immediately. The company response shouldn't be I'm not sure.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Every time my wife and I request credit reports from TransUnion, they come up with some sort of problem with one or both of them. Their website is also non-functional. We do not have these issues with the other bureaus. 

This time ( request submitted XX/XX/21 ), they sent my wife 's report when requested, yet for my request, I received a letter on XX/XX/21 saying they were " unable to locate credit report ''. This was despite my supplying them with everything on their paper form - name, address ( where I have lived for 15 years ), SSN, and birthday. I wrote back, sending another request form, informing them that I DO have an existing credit history, and that the same week both XXXX and XXXX were able to provide me their versions of my credit report with exactly the same information I mailed to them. 
There is no excuse for them not being able to find my records in their system. I informed them that I would be filing this formal complaint if I did not receive my report by XX/XX/21 ( this letter was mailed XX/XX/21 ). The report has not been received.

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 2021-09-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Ongoing violation of privacy and online disclosure of NPI information by AVANT CREDIT CARD I had a credit card with Avant. When I received my card, I went online on XXXX to set up a online login. 

There are TWO attachments to this complaint. See the circle in blue of the attachment NO 1. Clicking on that link from XXXX takes you DIRECTLY to the login page where ANOTHER persons email automatically populates ( see 2nd attachment ). I had 8 other people try this from their computers at diffferent locations and all had the same result. 

I called on XXXX to report this to Avant. I provided the email address to the representative who CONFIRMED WITH ME that this was a valid email address and that they do have an account with this person. ( another violation of privacy )., I contacted the person via email and advised her of this. She and I are still in contact via email. She has tried to get them to do something about this. She was told by a manager that " She should find someone who knows about computers so that they can explain to her why that cant happen ''. She too has had friends of hers able to access this information and link from different locations. 

I went online today, XXXX. The direct link is still there. 

We have both cancelled our accounts with Avant. They have been notified by two people now ( maybe more ) of this violation and concern. There clearly is a problem with their software or networking systems. This puts all customers confidential information and safety at risk.

Avant is NOW KNOWINGLY putting this persons identity and security at risk.

They arent acknowledging it and are refusing to do anything about it.

I have since placed credit alerts on my credit report and taken all other steps known to me to protect myself and my identity in the event my information is unknowingly released due to the faulty security practices of AVANT. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Good Morning, I contacted Exeter Financial on XX/XX/2021 informed them that my employer had reduced my hours again due to covid an that my spouse was no longer working and my bills where high they informed me I had used all my extension an only had one available. After speaking to a serval representatives informed an explained my situation on recorded line the representative stated that he will help me today an apply a two month extension this was on XX/XX/2021. I was very happy with that information. I notice they report 3 missed payment to all three of my credit XXXX, XXXX and XXXX, I also see they they began to call me i answer a call on XX/XX/2021 where the representative is informed me that I'm very past due an what the representative on XX/XX/2021 did needed manger approval an mines was dined. Throughout this whole pandemic i have been them first before even my rent because I knew once I acquired a job I would need a car for me a my XXXX kids. They have never had a relief options i have called to lower my bill dined I have called them for the small amount of help an always they give a run around. I'm requesting a two month extension on my loan. Covid 19 is still very real an I'm unable to make full payments at this time i would like them to remove all negative information off my credit. If some can please help me with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Pavilion Payments US BuyerCo, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I requested my anual free report, but Global Payments Check Services LLC, Attention FACT ACT support department. Despite I filled out the request form and I sent all my ID documents required by the company, the answer of Global Payment was : BASED ON THE INFORMATION YOU PROVIDED US, WE HAVE NO MATCHING RECORDS IN OUR OPERATION SYSTEM. I left several messages in their phone, but this company never answered me. I believe this company does not want to give me my annual free 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 2021-09-28 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation