vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a 2nd mortgage with RBFCU. I set up my payments originally to post every two weeks with the purpose of paying off the mortgage early. I realized in 2021 this was not happening so I got on the phone with the company and they took all the payment and reposted them as principal payments. They also indicated that going forward they would not take any payments as payments for the next payment due but would post them directly to principal. They also advised that I need to change from a bi-weekly cadence to a semi-monthly since that is the only way the system would pick up the payment to be applied accurately. This scenario has happened multiple times since then and I always have to call and have them update this. My concerns are : 1. when they reapply the payment I dont have a way of knowing how the interest that I would have saved is being impacted and I think this process is unfair and deceptive 2. Its labor intensive on my end to have to keep calling for them to perform the servicing of the loan appropriately 3. By far one of the most concerning any customer who is not aware to check and confirm that the processes that they have set up to assist them in getting out of debt quicker are working they could be paying extra interest and are not aware.

The servicer should have appropriate processes in place to ensure they are treating customers fairly and are not unduly gaining interest that they should not be.

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Westlake Services, LLC
State: NE

Complaint narrative:
I have a public record of XXXX  XXXX XXXX  on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have Westlake financial and XXXX XXXX  that was on that XXXX  XXXX XXXX  that's still on my report ( s ) I need taken off.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CO

Complaint narrative:
This complaint is about the lawsuit with Credit Karma that I heard about this morning on the news. I was also a victim of misleading information from them. They told me that my odds for being approved for certain loans were outstanding. So of course I fell for it and was denied as well as my credit score getting ( hard hits ). Now I am struggling to bring my credit score back up because of Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
For years I was oblivious to this Toyota Motor credit co account being opened in my name on XX/XX/ balance of ( {$26000.00} ) this account was opened fraudulent and Toyota did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but Toyota is still reporting this charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
Got a letter from American Express stating they needed some financial and income documents. Called and spoke with representative on XX/XX/XXXX. Confirmed that my paystubs and bank account info would be enough. They need two she said. I explained I get paid every two weeks. I sent in my next two paystubs. They received the later paystub on XX/XX/XXXX, although I sent it in late XXXX. They cancelled my account on XX/XX/XXXX after entering my information into their computer system on XX/XX/XXXX. I was told today that this was after the deadline, which I was unaware about. This was also not mentioned on the phone call I had on XX/XX/XXXX, although the representative knew I would be sending the second stub no earlier than mid XXXX. Why would they take my information and still cancel?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I paid off the mortgage in full on XX/XX/XXXX. The payoff amount was originally listed as {$30000.00}, which I paid. However, based on the contents of the attached letter, there was a refund due of {$13.00}, which was supposedly issued on XX/XX/XXXX. I never received that refund if it was indeed due to me as stated in the attached correspondence. My latest call to SPS on XX/XX/XXXX, I was told that it was in dispute and to call back in a month or so. First, I never issued a dispute ; this is a fact, not a question or dispute. I am seeking your help to resolve this issue. 

The following are screen shots of correspondence from SPS, and nowhere in that list is there a letter acknowledging that SPS sent me a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: FL

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. 
Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was involved in a rental scam. I contacted a person off of XXXX who was advertising an apartment for rent ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ). They requested first month 's rent and a security deposit totalling {$2600.00} in order to secure the apartment which I transferred them the money with Zelle pay XX/XX/XXXX and XX/XX/XXXX. However, a few days later, they changed the terms and said in order for me to get the lease I would have to pay up front for the first 3 months. After some back and forth it was clear they were not intending to rent me the unit, and I demanded my full deposit back. They have not given me any of the deposit back. 

I contacted Zelle on XX/XX/XXXX to dispute the fraudulent charges and they would not reverse the transaction. I contacted XXXXXXXX XXXX on XX/XX/XXXX and they too said they were unable to reverse changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a phone call from a gentle man calling me. The man called me and said XXXX as I asked who's this, the man tried to act as if he knew me, and we were friends. Then proceeded to tell me about a balance I owed. I ask for him to send me information on what he stated I owe. I got upset due to the gentleman never said the XXXX prior to his initial contact with me. I then went online and sent compliance an email. Couple days later the supervisor called me very unprofessional stating I asked her to call me. As I proceeded to tell her my concerns the conversation didn't end well, and supervisor hung up. As of this day the company still has not validated this debt and have yet to explain the call received from the rep pretending as he knew me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Company has employment information on me and I am unaware of who they are. I requested a report from them on XX/XX/2023 reference # XXXX, and have not received either report or letter stating that they have no information/file 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 2023-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2023 @ XXXX I called Equifax to dispute some items on my report I was transferred to the bankruptcy department. When I tried to dispute the issue he began to tell my I applied for the item and that it was me etc. I then began speaking to him about the issue telling him that I had reach out to the Maryland Bankruptcy court clerk and was told that they did not report to any credit bureaus that they used a XXXX party furnisher. He then stated that Equifax used the court to verify the information and again I repeated to him what was in the letter that was sent to me and I informed him that the agency or the court was not being honest and could he send me in writing how the info was verified and then he stared getting aggressive repeating saying that I signed the application etc. again I asked for in writing how was the information was verified and could he send me the info he then said oh no it's public record and we can put it on the credit report and I then asked who gave permission to do so and if its that easy can I add something to someone else report because its public information. I also stated to him that if it was an error or a lie about who report the information to the agency all he had to do was send me in writing how it was verified and if it wasn't obtained in a way that comply with the FCRA 611 ( 15 u.s.c 168 ) could they remove it. Needless to say he wouldn't even create the dispute and the conversation wasn't going no where so I ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Address at XXXX XXXX & XXXX XXXX XXXX are old and should be removed. I live there bover 25 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Address at XXXX XXXX & XXXX XXXX XXXX are old and should be removed. I live there bover 25 years ago.

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 2023-01-25 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: GA

Complaint narrative:
XXXX, TRANSUNION, XXXX and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX  XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. XXXX TRANSUNION, and XXXX has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.

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 2023-01-25 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: GA

Complaint narrative:
EQUIFAX, XXXX, XXXX and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX XXXX, and XXXX has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: GA

Complaint narrative:
THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX 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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: LA

Complaint narrative:
This account is reporting fradulently and incorrectly. I have requested that Flagship furish documentation, proof of ownership, however they did not furnish documentation to prove that this account belongs to me. I was XXXX XXXX at the time of this purchase. 

I have file the FTC report and provided it to the creditor with no result. 

Please have them remove this incorrect and fraudulent information from my account.

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