vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
On Tuesday, XX/XX/2023, at XXXX XXXX, I received an email from XXXX XXXX, a Loan Originator with AmeriSave Mortgage Corporation stating that her underwriting system wanted her to do a hard inquiry to check my credit report, and that she wanted to get my approval on this before she proceeded. I never approved for her to do a hard inquiry to check my credit report. The following day, Wednesday, XX/XX/2023, at XXXXXXXX XXXX, I received an alert from XXXX XXXX credit monitoring stating that there was an attempt to perform a hard inquiry to check my credit report through XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ; however, Access was denied because my report was locked from unauthorized access. I never authorized AmerirSave or XXXX XXXX to do a hard inquiry to check my credit report. I contacted XXXX and confirmed that AmeriSave had performed the hard inquiry of my XXXX XXXX credit report in an attempt to obtain my fiancial information. I then sent XXXX XXXX an email inquring as to why she had attempted to do a hard inquiry to obtain my fianancial information from XXXX XXXX without my knowledge or consent ; however, I never recieved a response from her. On XX/XX/2023, at XXXXXXXX XXXX, I sent a follow-up email to XXXX XXXX stating that I had sent an email to her regarding this matter and that I was expecting a response from her. However, I never received a response to the email inquiry or any explanation as to why she or AmeriSave attempted to obtain my consumer credit report and financial information without my knowledge or consent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
I have received several threatening phone calls in response to an accident that I was not involved in. I have relayed the information that I wasnt involved in the accident however, they continue to contact me I have asked them several time to stop they then began to call and make threats to have my license suspended they refuse to allow me to talk and explain the situation or even relay the contact information of the involved party they just keep calling and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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 did not authorize XXXX or the Collection Agency to put this collection back on my report. This issue was resolved almost a year ago and this collection company is back trying to hurt my credit for this collection that was never authorized! 

I believe the CFPB was the reason why it came off my report and I have no idea why it is back on! Please reach out to them and have them remove this immediately because this came out of no where! 

The collection in questions is from : XXXX XXXX XXXXXXXX Original creditor : XXXX Acct # : XXXX Please have them remove this once again. I do not want to deal with this issue anymore. The problem has already been resolved. I have no idea why they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call

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 2023-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
We had our barn burn down last year, and now are ready to rebuild it. Unfortunately our insurance agent didn't have us keep up with the rebuilding costs, and we ended up being underinsured by around {$100000.00}. 

We contacted our current mortgage provider to get a XXXX in order to rebuild the barn. Our XXXX score is over XXXX. Our loan application was denied because our current pay is not being used for the income because we have a family owned business, and the raises we were able to do for ourselves this year don't count, even though we have XXXX  months of paystubs to show it's a fixed amount. They said they have to use the average of the last XXXX  years of tax returns instead because we have our own company. We started the company in XXXX - almost XXXX years ago! We are growing every year and just expanded into multiple states. 

The loan XXXX said if we worked for any other company our paystubs would work, and we would be approved for the loan! 

This is not fair for those of us that have worked hard to build our own companies!

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 2023-05-05 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: TX

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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Equifax XXXX I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - 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 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 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 I have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: SC

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date XXXX XXXX XXXX purchased the account from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NM

Complaint narrative:
There was an error collecting payment that has processed. The company reported late and says they can not go back and fix what is already reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I had tried to get items removed because of wrong addresses name misspelled, names I never used they updated them and still wrong

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 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i called wells fargo today and was told the case specialist closed the case saying there is no claim.. saying they contacted me in XXXX. which they did not. every word they have said is a lie. i am one of many who have been ripped off by the bank. 
the court filed a claim for me. then asked them to contact me .. they are refusing to honor the courts request.. 
i can only wait for the letter and send you a copy.. from what i was told today it said i did not do what they asked in XXXX. that i am to show proof that i represent my mother when the cashiers check was written to me.. not to her.. 
i gave you all the info... I am aware of the fact that the state dept was going to put me in XXXX for XXXXXXXX XXXX. and XXXX which i did not do. i am very grateful that they clearned my name of any wrong doing. 
i have no recourse but to complain to you. 
thank you for your time please do something for me.

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 2023-05-05 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: SC

Complaint narrative:
Equifax is report an account XXXX XXXXXXXX XXXX XXXXXXXX on my credit file in the amount of {$5000.00}. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
This account was written off. As Stated on the report. And sold to a 3rd party company. 
It is against the law to sell or share info. 
This debt was excused as a collection, then Put back on the report as. Charge off. 
According to the law on credit this information Should be wiped off all id the major credit Bureau. If not I will start sueing for every Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: TX

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, 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 an 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 2023-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I dispute false statements and fees regarding the amount owed on these collections. 

Portfolio Recovery Associates , LLC, reference XXXX XXXX  {$510.00}, It's illegal by law : ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless that amount is expressly authorized by the agreement creating the debt or permitted by Section 808 ( 1 ) of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) prohibits debt collectors from collecting any amount law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was told I would be able to pay off the loan in monthly installments and I have been but my balance hasnt decreased only increased with every payment. I should have already paid the loan off but I own more than the amount of the original loan. I dont understand where my money is going monthly. The loan wasnt broken down to me as far as how the payments would be applied. My pay at work has decreased dramatically and At this rate I will never be able to payoff the loan and May end up losing the first car I have ever owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: SC

Complaint narrative:
All of my student loans have been consolidated via XXXX XXXXXXXX XXXX, however, Equifax is showing XXXX XXXX date opened XX/XX/XXXX amount {$5000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1100.00} ; XXXX XXXX date opened XX/XX/XXXX {$1200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$2600.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX XXXX {$5500.00} ; XXXX XXXX date opened XX/XX/XXXX {$1300.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$3700.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX {$35000.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4100.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In late XXXX, I received a bank statement that showed XXXX XXXX  of dollars in charges. These charges were from Ohio, a state that I have never lived in, nor been to, nor know anyone from. Examples of some charges would be places like XXXX, and XXXX, which I do not use. I work, and reside in North Carolina. There is no chance that the charges could have been me. As soon as I saw charges such as these, I contacted the North Carolina State Employees Credit Union, which I use. They found that the charges added up to {$11000.00}. They started an investigation, and reimbursed me the money, on " credit. '' I have not touched any of the money I have received. On XX/XX/2023 I received two letters in the mail, sent on XX/XX/2023, one stating that the credit may or may not be reversed, and another stating that they had found insufficient evidence to support a viable fraud claim, thus I assume, planning on reversing the credit, and taking the money stolen from me, out of my account, and closing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: SC

Complaint narrative:
Equifax is report XXXX in amount of {$9000.00}. This account is paid in full. Please contact XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference file number XXXX and Cause No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: AL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; 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 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 XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation