vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Webcollex, LLC
State: TX

Complaint narrative:
different people from this CKS FINANCIAL make multiple threatning calls to my home and cell numbers using spoofing software showing local numbers on caller id every day saying the sheriff has some arrest papers or something at work .of course we all know that is not so .they have showed insufficient validation seeking unjustifiable amounts using the telephone to annoy and harass me .since XX/XX/XXXX i have blocked over 79 of there numbers showing local spoofing technology area codes that is amazing to see that level of harassment .sent a cease communication to there address on file but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
HOMELOANSERV has continued communication directly and indirectly after a cease and desist was sent to them. Stating to another party that they cant talk to me while still talking about my affairs. They are also in violation of title XXXX usc XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. 
Nor did XXXX state in the voicemail message that she is a debt collector and this is attempt to collect the debt before she began speaking. 
XXXX u.s.c XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX  ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm filing a complaint on Equifax, XXXX and XXXX XXXX. I sent Equifax, XXXX and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have XXXX days to complete an investigation and XXXX days to let me know what information they have found during there investigation. It has been over XXXX days and I have not receive a response from Equifax, XXXX or XXXX XXXX. I've sent them a XXXX day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the XXXX day to comply letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX  INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY 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 2022-04-06 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:
I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
Applied for an Auto Loan through XXXX of XXXX, Arkansas. I had excellent XXXX credit at the time, income, down payment etc.not an issue. XXXX of XXXX had me fill out a credit application on an XXXX XXXX form. Later in the process I am told the financing was sold to Fifth Third bank. 

I never received an payment booklet or statement from Fifth Third bank. I had no idea when the first payment was due, the amount of the payment, or the account number. All I knew from XXXX of XXXX was Fifth Third was going to take over the loan.

After not receiving anything from Fifth Third, My husband and I tried to call them to find out how to make a payment, who to make it to. Each call was a multi-hour experience that ended with us speaking to someone overseas who was little or no help. By the time we finally got someone who could help, they said the loan was in collection, and I now had to speak with someone in the collection department. We finally got the opportunity to make a payment over the phone to bring the account current. 

I still have yet to receive any mail, bill, statement, email, phone call or text message from Fifth Third bank. 

I shortly have another payment due and no idea how to make the payment without calling them for yet another multi-hour phone experience. If this " abuse by neglect '' practice is how they treat customers with excellent credit and income, I shudder to think how they treat consumer with less-than-perfect credit. 

As a result of Fifth Third Bank 's lack of contact I now have a black mark on my credit which I have spent years maintaining at a high level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA Banking locked my access to my accounts with instructions to call them to unlock. When attempting to call their wait times are XXXX long. I have been attempting to contact at different times for the past XXXX days with no resolution of the issue. There is no other avenue to fix the issue to access my money. No actions have been taken by the company to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C & S Auto Enterprises, Inc
State: NJ

Complaint narrative:
I took a loan out from Advantage Auto Finance, the car turned out to be a lemon.They would not honor my warranty on the car. I told them to pick up the car from the repair shop .Which they did and resold the vehicle. Now there trying to sue me illegally for a debt that I dont owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I have been trying to repair my credit since filing bankruptcy in XXXXXXXX XXXX  2020, it was XXXX in XXXX 2020. I sent the discharge paperwork shortly after by email to Amerisave mortgage. Multiple times on phone conversations I requested they start reporting my payments. I was told the loan was not reaffirmed. I still make my payments every month and was told to contact my lawyer about the reaffirmation paperwork. I did and was told by him that he hadnt received any paperwork from Amerisave in regards to the reaffirmation. I was told by Amerisave that I had to request in writing to have my loan reaffirmed, to which I did and I requested a reporting of the legal fees I was charged by them at the same time I sent the request on XX/XX/XXXX of this year. I also emailed them a screen shot of the bankruptcy paperwork showing in the filing Amerisave was to be reaffirmed. I have been locked out of my online access for loan servicing since I filed bankruptcy and I have been told that it could take up to XXXX days for them to come to a decision on whether to reaffirm the loan or not. I get transferred around and leave messages requesting call backs that take days if at all to be returned. When I ask about escrow account balances Im told by some that I have to submit my request in writing and sometimes someone else may give me the information over the phone. Its ridiculous that I cant log into my account to check status of my account, or make a payment. I would strongly discourage anyone from using this as your mortgage company. Their service has never been good, even before the bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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 exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Last week I spoke with comenity bank with corporate headquarters at XXXX XXXX XXXX, XXXX XXXX in XXXX Delaware, regarding a furniture payment and explained that I would make a payment online next week when I get paid. That was on XX/XX/22, todays date is XX/XX/22, I get paid this upcoming Friday XX/XX/22. They block their caller id frequently, and call from multiple numbers. Yesterday I received a total of XXXX phone calls, I believe this would be considered that they were harrassing me. Calling me multiple times in XXXX hour. The first call was XXXX on XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 XXXX. The next call they blocked their caller id and called at XXXX XX/XX/22. The next call was at XXXX from the number XXXX. They blocked their caller id again when they called at XXXX and then again from a blocked caller id at XXXX on XX/XX/22. They called again at XXXX from the number XXXX on XX/XX/22. They called again from the number XXXX at XXXX on XX/XX/22. Then they called at XXXX from from the number XXXX on XX/XX/22. Today they called repeatedly from a blocked number. On XX/XX/22 I received a call from them at XXXX, then another at XXXX, and then again at XXXX. I explained to the first person I spoke to on XX/XX/22 that I don't appreciate them masking their caller id. It simply says " Unknown Caller ''. They never state that the call is being recorded, and when I asked the lady today she said it was not being recorded. I may be wrong, but I manage a call center for a dealership, we must record all inbound and outbound calls, and we must state on the onset of the call that it is being recorded. Without doing so, I believe they are in violation of FTC regulations. When I told her I knew the laws and that they were in violation because I manage a call center, she said " well then you should be able to pay your bills. '' I feel that was degrading, not sure if it violates anything though. I then repeatedly asked to speak to a supervisor, which she refused. It's not just XXXX person making these calls, but this particular lady was very disrespectful. I was so frustrated I ended up YELLING over her, she would not let me speak, and finally ended up cursing and then hanging up. calling XXXX in XXXX day is harrassing and abusive. Calling XXXX in XXXX hour is harrassing and abusive. I realize I missed a payment, but I explained when I would be making that payment and they continue with these incredibly upsetting and repeated calls. At the very least this violates the FDCPA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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