vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
Dispute this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XX/XX/XXXX and charged off in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. The payofff and title had already been released to me. When I reached out to them, they said that they tried contacting me via phone however they did not have my correct number. No attempts to contact via ground mail or email that a balance was still owed were attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
I ordered a phone through XXXX in XXXX of 2021. I cancelled the order a day later and told them I won't be switching to them. Since then, they've attempted to collect money from me for this cancelled order and service, even automatically taking money from my bank account forcing me to go through the dispute process. I've called more than 30 times and have gone to several XXXX stores to resolve this issue to no avail. I'm always told that it's been resolved and they will stop trying to collect debts that don't exist from a noncustomer, and the store manager always verifies with the associate/ supervisor on the phone from XXXX that it is all resolved and my account will be marked and I will be notified of all this by email. Almost a year later, here we are. XXXX is acting like a scam company and it's been abusive. They told me I didn't exist as anything in their system, but they tried to take my money and still continue to try to almost 9 months later. This is an absolutely insane situation that I've never experienced before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
I have never done business with this company and I did not give them any of my personal info that they have. They are a 3rd party business that bought my info illegally. I have been a victim of identity theft and I have no business with them or their person they bought my information from. This needs to be legally handled.

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 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession. 

SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My brother, XXXX XXXX, is an existing Chase customer and sent me a referral link to open a checking account with Chase. When I clicked on the link, the webpage said {XXXX} sign-on bonus. So I continued with the account opening that was successful but I got a message saying coupon could not be applied. I tried chatting through the Chase mobile app but their automated responses didnt help so I called customer service. The agent said there is no offer for opening this account, which contradicts what was advertised. This is misleading the customer and tricking them into opening an account. Chase is clearly exploiting their monopoly position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: South Carolina Student Loan Corp
State: GA

Complaint narrative:
THIS ACCOUNT IS THE RESULT OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
NEW AND UPDATED INFORMATION *** XX/XX/2022, Equifax sent over a reinvestigation paper stating that the date of birth they have for me is verified as accurate. After, I provided them with an ID that clearly shows that I was NOT born in the year that they have displaying for me. I will attach my ID here for the record, Equifax is being willfully noncompliant and are violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of XXXX, I tried to make two ACH payments from my deposit account to Bank of America credit card accounts. I made an error entering the deposit account numbers, and the ACH payments were returned unpaid. I contacted BOA customer service and tried again to make these payments with an agent but accidentally made the same error. On my third try, I finally made the payments correctly, but BOA charged me {XXXX} in fees for my error anyway. I explained my error and asked BOA to waive the fees in XX/XX/XXXX. BOA was unable to address my request at that time " due to Covid staff shortages. '' In XX/XX/XXXX, I paid the {XXXX} annual fee on this credit card account, relying in good faith that BOA would accept my errors as mistakes, as they have done in the past, and reverse the fees when they got around to looking at my request. However, just a few weeks after paying the annual fee, BOA finally responded by mail and denied my request, refusing to credit the fees. I wrote back and even provided proof that the funds were available in my deposit account at the time, showing that the payments did not fail due to insufficient funds. 
On XX/XX/XXXX BOA responded by letter and again refused to refund the fees. By early XX/XX/XXXX I made the decision to close this credit card account because I was certainly not experiencing the customer attentiveness that was advertised as a cardholder benefit. I wrote BOA and asked them to close the account and refund my {XXXX} annual fee, along with my remaining rewards balance of {XXXX, for a total amount of {XXXX}. 
At this time BOA has closed this credit card account but has failed to return my funds in the amount {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 2022-04-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I went into XXXX on XX/XX/2022 and purchased a Vanilla gift card for the amount of {$250.00}. It was a gift for my nephew when he opened the gift card the back CVD code was scratch off and we were unable to use the card. I got in contact with merchant and they stated it was fraud since there was no longer a balance I've been contacting the merchant since XXXX on many many occasions without any resolution. In addition, every time I ask to speak to a higher up such as a supervisor or manager the call is purposely disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-04-11 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me 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 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
This company calls me multiple times a day and repeatedly calls me before XXXX XXXX. They call from 8 different numbers currently, and I have blocked other numbers they repeatedly call form at early hours. Below is a list of some of the numbers they call from and some of the times they have called that are protected. I asked them repeatedly to not call at this hour. When I talked to them in XXXX they were rude and hostile and threatening. 
DATE TIME # CALLING FROM XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
They marked me as delinquent despite me paying early every month plus additional for principle ; they were not crediting my account and as a result I have more interest and not less principle and could have had my credit hit for being late due to Their misapplication. 

After switching home owners insurances a couple times within 6 months, my escrow account was short due to payouts while we waited for refunds. Without notifying me, Amerisave applied some of my mortgage payments in full to escrow or taxes and noted my mortgage account as delinquent one month. Over the next 5 months I have had at least 8 recorded conversations with Amerisave about them misplacing a refund check they received directly, misapplying multiple checks ( Escrow refund applied to mortgage and my mortgage to Escrow, etc ), and failure to fully communicate with me about new shortages in Escrow somehow related ( after all these conversations, Im still unclear why there is a shortage despite full refunds being now applied to Escrow because every staffer had different ideas about why it MIGHT be ). I have lost hours on the phone with them in which each one ends with them telling me all has been fixed and we are square. Now they sent me a refund AND when I called to ask why, the answer is convoluted and they also say I owe about twice the refund they just sent me.

Yearly they up what I must pay and then also send me a refund within a month or two of the change. They are always confused. This practice seems illegal and distasteful at best.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to Transunion. To this day over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 
Account - XXXX XXXX ( 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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I reached out to Early warning services in attempt to fix the issue directly with them regarding a XXXX account I never had making me unable to get a checking account or open an account with a credit union. I ask that they send me a validation letter with my WET SIGNATURE or any proof they use to validate that this account belong to me. Instead they send a letter saying they it does with no proof. Early warning has not sent me any proof on how they validated this debt and is making it hard for me to open an account with a real bank because of this FALSE negative account please help

Company response to consumer: Closed with explanation