vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been working with TD Bank since early XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, TD notified us that the modification was approved and provided the new loan terms, indicating that the new monthly payment of {$1700.00} would begin on XX/XX/XXXX, and the loan term would be extended for a period of XXXX XXXX XXXX XXXX  months. 

Pursuant to this agreement, I have made timely payments in the above referenced amount for all months in an effort to keep the account current. In XXXX, XXXX, we were advised that in order to complete & finalize the modification process, a signature was necessary on a single-page document which was mailed to us. I learned that TD Bank mailed this document to my bankruptcy attorney, rather than directly to me, as they stated. I went to my bankruptcy attorneys office, signed the paper, and it was sent by fax to TD Bank. 

After sometime of not hearing back from TD Bank, I called on XX/XX/XXXX to follow up and confirm the modification was finalized. I was told that the fax transmission of the page we sent was illegible, and was asked to resend the single page document via email. This document was sent to TD Bank via email on XX/XX/XXXX. 
On XX/XX/XXXX I called TD Bank, and they verbally confirmed that the modification agreement was received and is processing. I continued to make monthly payments in accordance with the modification agreement. Between XXXX, XXXX and the date of this complaint, I would periodically reach out to TD Bank to confirm the finalization of the modification. This included both phone calls as well as email correspondence. We were repeatedly told that the modification agreement is processing, with no indication of any issues whatsoever. In XX/XX/XXXX, a representative at TD Bank informed me that due to the single page modification agreement not being received within an arbitrary 30-day window, the modification process has been halted/withdrawn. Despite my efforts, I have been unable to receive any clarity whatsoever on how or why this happened, since I followed TD Banks instructions through all times in this process and have worked extremely hard to keep the account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: MD

Complaint narrative:
XXXX  XXXX removed the account number ending with XXXX but they have declined my request for compensation when I am entitled to compensation of {$1000.00} per violation and they report this account on all three of the credit bureaus I am entitled to XXXX per account on each credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Gor misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars. The car-buying experience turns into a nightmare for many of Credit Acceptances borrowers, who face unaffordable monthly payments, vehicle repossessions, and debt collection lawsuits. The joint complaint alleges that, among other things, Credit Acceptance hides costs in loan agreements and sets consumers up to fail. The complaint also alleges that Credit Acceptance violated New York usury limits and other consumer

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 2023-03-22 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 — Problem with personal statement of dispute
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XXXX the due date.. a check ( # XXXX ) was written to XXXX XXXX ( Continental Finance ) in the amount of {$61.00} ( {$1.00} over the minimum payment ). On XX/XX/XXXX I called to see if the check was cleared..the recording stated that the check was received and that I had a {$61.00} credit and cash limit available. I checked my checking account to see if it was posted..for 7 days it did not post. 

Yesterday XX/XX/XXXX I received a call from Surge XXXX requesting a payment due..I inquired of what happened to my check..I was told that the check was returned and to check with my bank.. subsequently I did so and my bank ( XXXX Bank ) stated that no check has been returned. And again I spoke with a XXXX XXXX representative. I inquired further of the check and I asked if they lost my check.. the representative insisted that the check was returned.. I then stated that I would have to send them a cashier 's check for any further payments because I could not trust them with a check payment.. ( I admit at that point I was rather heated and did hang up the phone ). Today I received a XXXX loss of credit on my report. 

I would like to have this matter resolved and my credit restored to the previous amount. And I will be forwarding a cashier 's check or money order for payment. Thank you for your attention to this matter. 

Sincerely

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 2023-03-23 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:
I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws. 

I am submitting the complaint as the consumer without representation. 

I have several occasion contacted Experian in request of cooperation in reinvestigation for proper verification in dispute of unauthorized use of my nonpublic personal information advertised on my consumer profile. 

I demand evidence of proof of reinvestigation by proof of claim of each account, collection and address disputed herein as verification for validation that the alleged debt, address and account is mine, with evidence of written permission to be furnished signed by officer or employee of furnisher certifying alleged accounts for validation to include written certified proof of claim that the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions for any noncompliance.

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 2023-03-22 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Inquiry1 : XXXX XXXX XXXXXXXX Inquiry 2 : Navy FCU XXXX Date:XXXXXXXX Inquiry 3 : Navy FCU, Date : XXXX  Inquiry 4 : Navy FCU, Date:XXXX Inquiry 5 : Navy FCU, Date:XXXX  Inquiry 6 : Navy FCU, Date:XXXX  Inquiry 7 : Navy FCU, Date:XXXX Inquiry 8 : Navy FCU, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 : XXXX, Date:XXXX Inquiry 11 : XXXX Date:XXXX  Inquiry 12 : XXXX XXXX XXXX Date:XXXX I am Hereby Demanding Deletion to the Invalid information Showing on My 'Transunion ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Inquiry1 : Capital One, DateXXXX Inquiry 2 : XXXX XXXX , DateXXXX Inquiry XXXX : XXXX XXXX, Date XXXX XX/XX/2023 Inquiry 4 : XXXX XXXX, DateXXXX Inquiry 5 : XXXX XXXX, Date:XXXX Inquiry 6 XXXX XXXX XXXX, Date:XXXX Inquiry 7 : XXXX XXXX, DateXXXX Inquiry 8 : XXXX XXXX, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 XXXX XXXX DateXXXX  Inquiry XXXX : XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX, Date:XXXX I am Hereby Demanding Deletion to the Invalid information XXXXhowing on My 'XXXX  ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN is reporting incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and the reporting of this account as a debt, is inaccurate. 
See attached.

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 2023-03-22 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: AFNI INC.
State: GA

Complaint narrative:
I am Not aware of these accounts my social security card was in my wallet and i check my credit reports and these accounts were open in my name and these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2023 a citi bank manager racially profiled me and put a block on my 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 2023-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NC

Complaint narrative:
I am currently not receiving credit ( payment counts for the Public Service Loan Forgiveness Program ) for loan payments made from XXXX XXXX XXXX  to ACS who served as my loan servicer at that time. I did not request a deferment or forbearance and made monthly payments at this time. The number I was provided to contact this entity ( XXXX ) does not appear to be in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-22 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports.

Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company Cardinal Financial COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option.

( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option.

( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. 

Cardinal Financial : Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NC

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 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 2023-03-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Approximately a year and a half I've been fighting creditors over ( 8 ) unauthorized inquiries on my consumer disclosure. I spoke to the fraud department to each creditor, they assured me within 90 days these inquiries will be removed. However, they still remain on my file. These creditors did not have my consent to pull my credit file and lower my credit score at the same time. They had no permissible purpose, they illegally violated my consumer rights. I spoke to each Credit Bureau as well as their creditors and I basically am not getting anywhere with either one of them they are not cooperative.

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A fraudulent card was put in my name. I want every receipt with camera footage to prove that card debt belongs to me. So take that off 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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer ADJ Co showed up on my credit reports with an account submitted by XXXX XXXX. The dates show the account was established while I was a minor and I couldnt access the knowledge of this information until I turned XXXX and it was reported already. I had no way of getting credit as a minor without my parents permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address. 
.

Company response to consumer: Closed with explanation