vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX the company Capital One is threatened to sue me I paid on time never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I called on XX/XX/XXXX to drop my PMI insurance as we havent missed one payment and we purchased the in XXXX XXXX for XXXX now the house is worth XXXX and only owe XXXX. We spoke to a representative at lake view and I requested them to drop the pmi he said I would need to pay this for the next 11 years. I told him I will be filing a complaint and requested his name, he informed me he wasnt allowed to give me his name and gave me a ID number of 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
Consumer complaint received 2023-03-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Co 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NV

Complaint narrative:
XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.

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 2023-03-02 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: OH

Complaint narrative:
The following companies did not have permission to request my credit report from Transunion, 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

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 2023-03-02 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: NV

Complaint narrative:
XXXX XXXX  XXXX I inquired about debt consolidation loan on the companies web page clearly states they do a soft pull that does not effect your credit report. This is a False and Misleading statement on their web page, they do a hard inquiry and it has effected my 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 2023-03-02 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: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
Since Planet Home Landing has taken over servicing this loan, we had nothing but trouble with predatory fees being added with the consistent and constant monthly amounts due. Never had any issues with any other lender in 20 years of owning a home that was mortgaged until Planet Home Lending took over this mortgage. 

Planet home sends monthly statements with the bolded amount listed as " Amount due '' that various each and every month. They then add predatory fees and late payments when you send a payment that matches what is stated on the amount due that when you look deeper at the statement the regular monthly payment in smaller letter below shows the correct amount. I am accusing Planet Home lending of adding these fees, tricking consumers with the amount due in large bolded letters at the top of statements to trick consumers in paying something different than the actual monthly payment that should be consistent unless there is a change in taxes and insurance. I can go back historically and show the amount due changes each month and after speaking to an agent today she highlighted that my regular monthly payment in the box that states " explanation of amount due '' is what I should be paying, but neglects the fact the AMOUNT DUE at the top of the statement shows something completely different. 

I want a full refund of all fees and penalties because of these predatory lending and fees that they target Veterans. I would also like Planet Home investigated to determine if this is a common wide practice and if they specifically target other Veterans and VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via XXXX. I called chase to open a claim and they told me they can not help me and closed the claim. I also called XXXX and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared XXXX payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.

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 2023-03-02 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 in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: DE

Complaint narrative:
On XX/XX/2023 I have communicated to equifax, XXXX, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: DE

Complaint narrative:
On XX/XX/2023 I have communicated to XXXX, XXXX, Experian about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.

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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX acknowledged account was opened fraudulently, I disputed this debt collector a year ago and it was removed from my profile only to be traded with false dates. Debt was started XX/XX/2022 supposedly but only added back to my profile once theyd realize I was searching for a car. The debt is closed on my XXXX and XXXX XXXX but open on experian I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists

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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
XXXX XXXX the company XXXX XXXX is threatened to sue me I paid on time never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was trying to buy something from XXXX and then a message on my phone claiming to be XXXX  and at that time I didnt know it wasnt XXXX and they said that they need my information so they could deliver the packages and I didnt think much of it until the first of XXXX and I called the bank and told them what happened and they said they would handle it.

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 2023-03-02 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: TX

Complaint narrative:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: KY

Complaint narrative:
I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a Capital One Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NV

Complaint narrative:
These companies obtained my report without my consent or knowledge XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX. XXXX ) XXXX XXXXXXXX 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

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 2023-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC
State: MI

Complaint narrative:
Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX XXXXXXXX called about debt in XX/XX/XXXX from Nelson Cruz and Associates about this debt again, told them that I already paid this debt XXXX has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told NCA about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score.

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2023-03-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score.

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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