vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: CA

Complaint narrative:
Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. 

I want proof that in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER XXXX. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. 

XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: OK

Complaint narrative:
I submitted documents to this company requesting removal of fraudulent account in accordance with FCRA sect. 605B. Company did not remove account but instead fraudulently and without my request, knowledge or consent, opened a dispute Which is in violation of FCRA rules in 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: PA

Complaint narrative:
transunion have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( XXXX ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards transunion had XXXX financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose thousand of dollars during a pandemic..

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 2021-12-23 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-23 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: OK

Complaint narrative:
I submitted documents to this company requesting removal of fraudulent account in accordance with FCRA sect. 605B. Company did not remove account but instead fraudulently and without my request, knowledge or consent, opened a dispute Which is in violation of FCRA rules in 605B

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 2021-12-23 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:
XXXX have violate XXXX5 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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:
XXXX have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Netspend Corporation
State: MO

Complaint narrative:
Someone stole my wallet with all my cards inside..im having trouble getting a replacement card..

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 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
Regarding my account with XXXX XXXX. 

I never receive any email or mailing notification about the remaining balance or past due after I canceled the service. I was on auto-payment and their system did not process the full amount. I never got any text messages, email, or physical mailing regarding this past-due or remainder payment notice. I just checked the statements on the account and they took out a partial monthly service amount. I assumed the payment was paid in full with autopayment when I canceled the service. I am upset that this went straight to collection without any form of contact. I have no problem paying the amount but the way XXXX conducts cancellations like this is very unprofessional and having it affect my credit rating is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21, I sent a dispute to Experian regarding XXXX XXXX inaccurately reporting information on my credit report across all three credit bureaus. I later received a response that my credit report was updated ( although I specifically stated I wanted it removed due to inaccuracy ), and I could not find any information updated. I called Experian on XX/XX/21 to find out what exactly was updated and the rep told me he did not know and only saw on his end " the creditor states that all information is accurate. '' ( which, per my screenshot, is clearly untrue. I have attached the three bureau screenshot along with my dispute and their response showing updated, although I see nothing changed. I genuinly feel as though at this point, Experian is not at all even reviewing my complaints. They are just sending responses without doing any investigating.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a new XXXX card with Bank of America and set up autopay. I paid my entire statement balance in advance so that I was paid in full and owed nothing. The autopay system debited my bank account for the entire statement balance a second time even though I had already paid.

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: FL

Complaint narrative:
I received a letter from a company called Viking Client Services stating that I owed a debt of {$8800.00} to a company titled XXXX XXXX XXXX. This is the first time Im receiving any form of documentation from either of these companies. 

I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from XXXX XXXX. I am still waiting for written validation. 
I also sent a copy of the letter sent to Viking Client Servicies to XXXX to ensure that each party had the ability to collaborate in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I received a letter from a company called XXXX XXXX XXXX stating that I owed a debt of {$8800.00} to a company titled NCB Management services. This is the first time Im receiving any form of documentation from either of these companies. 

I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from NCB Management. I am still waiting for written validation. 
I also sent a copy of the letter sent to XXXX XXXX XXXXs to NCB to ensure that each party had the ability to collaborate in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My property was repossessed on XX/XX/21 by BMW FINANCIAL SERVICES NA LLC in retaliation against me, for filing fraud against the dealership who put me in contract with this financing company. When I requested a copy of the original note, I was sent a copy with XXXX forged signatures on it, which deemed fraud on their end, NOT MINE. I signed a document in front of my house to securitize the account, and in return that exact note was not provided to me when requested. This repossession and extortion and threat to auction my property due to fraud, is invalid and causing XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-23 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, give authorization for AMSHER CREDIT COLLECTION to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Amsher Credit Collection Services. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover card disputed my claim wrongfully and will not take ownership of their mistake. Claim was submitted as Services not rendered instead of Services not as described, in the financial world this makes a huge difference on claims because it is two different reasons however discover states this would have had no effect on my case which is a lie also claimed the reason codes are the same for these reasons and that is also a lie. Attempted to speak to a supervisor but they just declined my claim and charged the fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAN (LendUSA) Holdings, Inc.
State: PR

Complaint narrative:
I submitted the application for a mortgage pre-qualification letter to the broker XXXX XXXX XXXX Highly of LendUs in XX/XX/2021. Initially she was very responsive. I told her that I viewed a property that I liked and wanted to know if it qualified for the loan. She completely stopped responding to my calls and text messages for three weeks. I even asked if she stopped worked at the company. Ive never had a professional person just disappear without any explanation in the middle of us working together. I later saw someone recommend her in a XXXX XXXX XXXX group and I responded in the comments that I had a poor experience with her. She heard about my comment and texted me that night saying sorry she couldnt help me. No explanation as to why she disappeared or that she even wanted to assist me. I told her that her apology was dismissive and she did not take any ownership for not responding for 3 weeks during a critical time and her conduct is very unprofessional. She wrote me back that she doesnt have to respond to me. As long as Im contacting her in an appropriate within the context of her job, I would assume that her employer requires that she respond to me as a potential client. 

Im a XXXX woman with XXXX credit score and XXXX XXXX salary. I more than qualify for most mortgage applications. I dont know if her actions had a discriminatory intent but I want to document this experience in case any other people of color experience this treatment from this mortgage broker.

Company response to consumer: Closed with explanation