vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
I lost my credentials, and around that time my information was used to apply for housing in a state Ive never even been a resident in. On XX/XX/2021 that activity showed up on my credit report, and I tried to explain to the company I wasnt even aware of this, nor do I live in the state where the activity was applied to. No progress has been made.

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 2022-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX and Fay Servicing, XXXX XXXX XXXX.. I caught XXXX and lost my job ..I was in a forebearce agreement with the loan services ..Both continued to charge late fees and finance fees during the time of forebearence. I lost my home and property at foreclosure sale XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel the above companies have taken my home illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance calls me at least 5 times a day. I got into a bad accident in the state of Alabama. The car was totaled and was at a tow yard in AL. It was a hit and run accident. I live in NY so I had to pay {$1300.00} to get back to NY. The insurance company stayed I only had liability, which I am fighting them because I just got the car in XX/XX/2021. I had full coverage and GAP insurance. I am out of work on XXXX due to my injuries from the accident. I called credit acceptance and told them to go get the vehicle from the tow yard. They have the vehicle and keep calling me 5 times a day and sending letters in the mail. I am fighting the insurance company. And until my situation improves and I get back to work I can't do anything right now

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 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Someone using my information trying to get a credit cards that I never applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi! My Paypal account has been permanently limited without any reason and I am unable to get help from their customer service team as they are unable to help regarding account restoration. I just created my account a few weeks ago and upgraded it to business and it was limited right away. I have not broken any of the user agreements or done anything wrong. Please investigate this case and help me to get my account back. 
My PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Act XXXX Account has # XXXX has violated 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 consent.

Also in violation under 15 U.S. Code 1681i ( 5 ) Removal of Credit Information and 15 U.S. Code 1681e ( b ) Compliance of possible accuracy. 

DEPT OF EDUCATIONXXXX Account : 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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was reviewing my credit scores when I noticed there was a note on my Care Credit account, so I logged in only to find it had been closed less than 2 weeks ago. There is no balance on the card, I have had it several years, and made all my payments on time with no late fees. I tried to call the company to no avail. They lied to me on the phone twice, once stating that they sent out mail and email notifications that the account was going to be closed, but later backpeddalied and said the account was closed BEFORE they sent out these notifications, which I never received. Then, the first representative I spoke to actually told me that these " periodic automatic account reviews '' can be opted out of. When I asked how I would opt out, she said I'd have to review the terms and conditions. When I asked the supervisor I spoke to next, she said that information was false. Of course she also had to mention that they are not legally required to notify you of an account closure. I recommended they enact some better practices, such as requiring consumers acknowledge these notifications, either by certified mail, or some other electronic method, so that this does not happen, but again they are not required by law to notify you, so they care to have the integrity to do so. This appears to be a major issue with this brand, as I have seen on reviews for Care Credit on XXXX XXXX. And instead of taking measures to help their consumers and improve practices, they are derelict in their duty to responsibly provide credit services. There needs to be a law requiring credit card companies notify you BEFORE they close your account, and there needs to be ACKNOWLEDGMENT from the consumer that they understand this BEFORE the account can be closed. Because these practices are botching people credit scores, like mine. I am trying to apply for a mortgage, and I had this card open for a long time, helping my credit, but them closing it without my knowledge or permission, just set me back. Also, there should be a way for them to reinstate your closed account. If they can close it so easily, why can't they reopen it when THEY made a mistake? There needs to be accountability, instead of just 'oh well '. People who pay off their cards and are in good standing should not be penalized by a greedy system that can't make money on a card I only use for emergencies and special purchases.

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 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was XXXX .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and IC System Inc. the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AR

Complaint narrative:
This Collection appeared on my Report Reports. I have no Knowledge of this debt or how old it is to know if it is even still reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: WI

Complaint narrative:
I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: WI

Complaint narrative:
I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For XXXX to Present, I have disputed XXXX XXXX XXXX Account and have asked for the removal from my file with all the Credit Reporting Agencies. I sent TransUnion Identity Theft Letters dated XX/XX/XXXX, and a repeat letter dated XX/XX/XXXX, along with the Identity Theft Police Report requesting the removal of XXXX  account from my Credit Report. 

I received a response from TransUnion dated XX/XX/XXXX stating XXXX # XXXX was DELETED from my credit report. I received a new Credit Report dated XX/XX/XXXX XXXX account still showed. 

XX/XX/XXXX, I received a response from XXXX XXXX XXXX giving notification XX/XX/XXXX, my name XXXX XXXX was removed from the XXXX  files as a joint account holder, and on the same day a request was sent to the Credit Reporting Agencies to have the account ending in XXXX DELETED from my Credit Report, please allow 30 days. 

I submit another request for my Credit Report again dated XX/XX/XXXX XXXX account still shows. I have sent the same information to XXXX and XXXX and they have removed XXXX from my account EXCEPT for TransUnion Credit Report Agency. 

I have sent another Letter to TransUnion XX/XX/XXXX requesting the removal of XXXX  account off my Credit Report Again. As of todays date XX/XX/XXXX I have not received a response back.

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 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-30 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been part of identity theft and Im just trying to remove whats not mine or what I didnt open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Ive been part of identity theft and Im just trying to remove whats not mine or what I didnt open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma app has conducted 5 " soft credit inquiries '' during the month of XX/XX/2022 alone, and I'd like to get information on who authorized them to do this and why/what they are doing this for. I do not have services with them other than just to see my credit score yet they're taking the liberty of soft credit inquiries, despite my credit being frozen and I've not provided them any authorizations to do so. Additional note says " Consumer Report '' in those soft inquiries also, but doesn't relate to why or what they're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
The mortgage loan is in my late husband 's name. 

Initially, the loan was with BBVA. When I had to pay the loan from my account and not through the automatic method where the bank takes the money out of his checking account, BBVA thought they were not getting paid. I attempted to contact them to discuss but they would not talk to me. 

Now PNC has bought BBVA and they won't talk to me either. 

I am attempting to refinance the loan and get it into my name. I learned from my attorney, that I should have had access to the loan from the beginning as the widow and my name is on the property 's deed. 

I have been charged fees and not allowed access to insure the home at a lower rate than the imposed insurance the bank placed on the home. 

I am XXXX and do not have access to funds to fight PNC. They have applied my payments for the last 3 months to the alleged amount that I owed that BBVA did not pursue as they knew they had received payments, but the automated bank statements continued to say that I was behind. 

I was filing for my XXXX when my husband died of XXXX. Following his death I had to file for bankruptcy due to medical debt and have just now reached the point where I can refinance the home into my name and I have a lender waiting on clearance from PNC to complete the refinance. 

Had I been able to access my legal right to the mortgage account this issue would have been resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and XXXX says i am current but experian says im 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I applied for an increase in the {$600.00} limit on my Citizens Credit Card. The Citizens denial letter listed the reason for denial as : " Due to your recent credit line increase on your account. '' I called and learned this reason was NOT TRUE! The real reason was a " Bureau Score Reason '', i.e. " XXXX payments due on account ''. I told the Citizens agent that I had over {$100000.00} invested with Citizens and had a four-month issue with XXXXXXXX XXXX that I have been challenging but have been unable to receive any acknowledgement from XXXX XXXX . I run the XXXX XXXX XXXX XXXX XXXX and help people XXXX XXXX. They tend to have no credit. In trying to help someone establish credit, I registered with a XXXX XXXX  cashier for XXXX XXXX credit card. I stipulated that the limit would not exceed {$1000.00}. The cashier agree and said absolutely the limit would not exceed {$1000.00}. The person for whom I was establishing credit, was present and is willing to testify to everything I've mentioned. After receiving the XXXX XXXX CC and the person started using it, I learned that not only had XXXXXXXX XXXX unilaterally increased the limit but even allowed charges exceeding their unilaterally increased limit. I have written and used email to communicate with XXXXXXXX XXXX ( including their XXXX XXXX XXXX XXXX ). They mailed me a 12-pagXXXX credit card agreement document which they claimed was the binding contract. Until receiving this document I never saw it nor was it ever referenced during my contact with the XXXXXXXX XXXX cashier. I maintain the original " binding '' contract between me and XXXX XXXX is the agreement reached with the XXXX XXXX rep. ( i.e. their cashier ). XXXXXXXX XXXX  apparently ignores this binding contract. I continue to communicate with them in an effort to deal with the truth of what happened. So far they have continued to ignore the truth and instead rely on a fictional reality that I was given their credit card agreement document when dealing with their cashier, but again this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Act XXXX Account has # XXXX has violated 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 consent.

Also in violation under 15 U.S. Code 1681i ( 5 ) Removal of Credit Information and 15 U.S. Code 1681e ( b ) Compliance of possible accuracy. 

DEPT OF EDUCATIONXXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this formal complaint against EXPERIAN d/b/a EXPERIAN INFORMATION SOLUTIONS INC. without any third party involved. See attached documents and ID as it contains my full complaint and demands.

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