vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Santander Consumer USA , Inc on XX/XX/2021, there is an inquiry from this company, I have sent letters to the bureaus have them fix the issue. Decide to dispute it with the company which I send a fax too to thXXXX XXXX XXXX XXXX XXXX XXXX requesting them to delete the unauthorized inquiry on my credit report ; demand {$1000.00}. I have never done business with this company in my life or even given them authorization to pull my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$6000.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information 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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
AMEX REPEATS PHONE CALLS ON A DAILY BASIS PRIOR TO XXXX AM AND AFTER XXXX PM. EVEN AFTER SPEAKING WITH SOMEONE. THEY ARE SUPER AGGRESSIVE AND REPORT CONSTANTLY ON CREDIT. 

DATE OF OCCURRENCE PHONE NUMBERS AND TIMES ARE LISTED BELOW. 

XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX FURTHERMORE, THEY TRIED TO PUSH ADDITIONAL PAYMENTS ELECTRONICALLY TO MY BANK AND WERE RETURNED NSF. THESE ADDITIONAL PAYMENTS WERE NOT AUTHORIZED AND I INCURRED ADDITIONAL FEES AS A RESULT OF THESE AGGRESSIVE NON-AUTHORIZED ATTEMPTS TO COLLECTION ADDITIONAL PAYMENTS. THIS IS COMPLETELY UNETHICAL!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.

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 2022-08-29 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: U.S. BANCORP
State: TX

Complaint narrative:
Inquiry on my report without SS # being provided

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 2022-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I made my last car payment on XX/XX/2022 and was told that they would defer the late payments to the end of the loan. My next payment ( which would have been current ) was due on XX/XX/2022. I was not able to make that payment then but had to wait a week. On XX/XX/2022 I rescinded my rights according to to Title 15 USC 1635 ( a ). I sent in a letter notifying them of this right that I was applying. I also noted subsection ( b ) of Title 15 USC 1635, and the clause which states " If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.

Two days later they came and took the vehicle from my driveway. Today ( XXXX XXXX ) I called to have them return the vehicle. They told me that I would have to pay off the remaining balance of about {$18000.00} in order to retrieve the vehicle. 

This is a violation according to Title 15 USC 1635.

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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One was sent several letters, requesting account verification, status, and and investigation into this account stating it was in a ( collection/charge off status/included bankruptcy. I have received a correspondence from them stating that the information requested could not be provided as allowed by law. According to the Fair credit Billing Act and FCRA15 U.S. Code 1681i requiring compliance, then the negative information must be deleted and the account being reported to the bureaus reflected. According to the FCRA 15 U.S. Code 1681e ( b ). Capital One must maintain 100 % accuracy whenever it reports. Duty to provide notice of dispute. My consumer report shows that my account was included in a bankruptcy. Capital One was requested to provide all documentation from a court with all information leading me to believe that is account was included in a bankruptcy. The information requested included, all documents with my signature, account number, and capital One 's complete information regarding being included in a bankruptcy. This company has also had a recent data breach in which it failed to notify me that my personal information may have been compromised. This is also a FCRA violation for failing to protect consumer privacy data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I took my car to XXXX XXXX for an oil change. I have been going there for many years. Standard oil change is {$29.00}, this is what I asked for. When the pil change was finished I was billed {$91.00}. I was told my car requires a synthetic oil. That is false my XXXX yr. old car does not require synthetic oil. I specifically asked for the standard oil change. I had to pay the {$91.00} otherwise they would not permit the car to leave the property. 

I filed a dispute with Capital One, providing all of the documentation that they requested. 
My dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Going through refinance of original loan with cash out. Ordered appraisal of which mortgage company charged me for and I willingly paid. 
Appraisal of home completed XX/XX/22 @ XXXX Appraisal report completed and uploaded to their file by appraisal company ( notified of this on XX/XX/22 ). However was told by mortgage company employee ( Freedom Mortgage - XXXX XXXX ) that the appraisal report can not be disclosed until a notice of value is determined by the underwriter. As per her statement her managers instructions was that she can not disclose until this notice of value.

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 2022-08-29 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to Mid land Funding account # XXXX and XXXX account # XXXX XXXX XXXX XXXX XXXX states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was given a loan modification in XXXX with Bank of America through XXXX their servicer. Ive paid my loan for over 3 years every month. The problem began when Bank of America started servicing the loan again in XXXX of XXXX. I submitted a complaint to this agency about the fact that Bank of America attempted to change the criteria of the loan modification by placing an extremely high lender placed insurance on the loan. In XXXX of XXXX my insurance escrow was reduced my payments were to be {$830.00} a month. It never happened in the process I still continued to pay my original payment of {$780.00} monthly. Then in XXXX of XXXX, I received a letter of intent from a lawyer hired by Bank of America saying I was 4 months behind in my payments. Which was a false claim. I sent my original payment of {$780.00} in for XXXX, XXXX, XXXX and XXXX of XXXX, I have bank statements to prove this. Upon my filing another complaint on Bank of America they sold me to XXXX who now continues this false narrative of my payments. By placing me in foreclosure status my payment in XXXX was sent back. Since all this began Ive spoken to their attorney and Bank of and XXXX They threatened me with a sale date of this XX/XX/XXXX which is illegal without a court judgment. I would like to know how they can process a foreclosure based on false payments statements. Bank of America also falsely accused me of having a forbearance with them that I did not have. They have no proof of a forbearance program, I have payments statements to prove I paid continually. Adding all these fees plus the attorney fees is fraud on their part. Shellpoint as you can see has added more unexplained fees and payments. The proper calculation is needed to proceed. This matter has been filed in superior court in XXXX XXXX XXXX Im fighting for the truth to be upheld and for these banks to admit their error.

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 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Received a warrant in debt on my doorstep without being properly served which is illegal in this state. Further, I have no one to speak with regarding this other than the collection agency, which is also illegal. Midland Credit Management is not listing the legally required information for the lawyer representing them in this case, as required by law. Further, they combined two separate accounts into one to file a lawsuit for a warrant in debt, I can not be served for two separate accounts under the same lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Chime Debit card was charged {$480.00}. I didn't make this purchase and I immediately sent chime this information. 

" So this transaction I'm disputing happened right before this one that chime flagged for {$430.00}. My credit card info was clearly stolen. I turned my card off right after this alert blocking another transaction for {$140.00} from " XXXX ''. They changed the name and went for a smaller amount I assume because the other one was declined and they just go after smaller amounts each time till the account is cleared out. I did not and do not approve of the transaction for {$480.00}. It is not a real XXXX charge and us not reflected on my XXXX account. Please refund me the {$480.00} that was stolen from my account. They investigation team is not reviewing any of the information I have provided as shown in the screenshots. They didn't include any of the info that proves I did make these charges on my XXXX account in their report. Please have them review the info correctly and refund my money. '' I also included my statement from XXXX proving I didn't make this charges on my account. But as stated in the review they sent me they didn't look at any of the provided information. All they looked at was the fact I still had my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Payday loan debt
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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
First a gentleman called saying he was a lawyer on behalf of the company and that i was in default with loan i said i already reached out to them and let them know im going through a rough patch was in the hospital lost my job just started working back, he said he wanted me to pay him on XX/XX/XXXX. I called speedy cash they said to report because this email is not coming from them. The number he calls from is XXXX or XXXX XXXX he says his name is XXXX XXXX XXXX Please see email below : Arrest Warrant XXXX XXXX XXXX SPEEDY CASH XXXX Fri, XX/XX/XXXX, XXXX AM ( 3 days ago ) to me We are talking about the creditor XXXX XXXX XXXX XXXX XXXX XXXX, is a parent company which owns and operates more than XXXX parental payday loan websites like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX PAYDAY LOANS, SPEEDY CASH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. 

We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/22 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Do reply ASAP. 

Yours sincerely, XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TX

Complaint narrative:
In 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 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

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I have sent a formal complaint that they are reporting inaccurate and incomplete credit information 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 2022-08-29 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: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611.

3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 

4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$67.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.

Company response to consumer: Closed with explanation