vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Someone stole my husband 's bank card to purchase a bottle of $ XXXX cologne. This cologne was mailed to our home. When we get packages that we know we didn't order, we throw away ( happens a lot ). Then, we saw the charge on our bank account. We told the bank that we did not purchase this, we even had the guy 's IP address ( he was in a different state ). They investigated. Then they said we have to pay for it since it was delivered to us. Do we have to get charged for this even though we did not order it? If I would have known we were going to be charged, I would have mailed it 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 2024-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a title loan through Wilshire and my car got repossessed and when the car was repossessed, they sold it for {$15000.00} and so my refund was for {$10000.00} and every time I'm calling to receive my money from this company I'm put on hold for 51 minutes to hour two hours you know they dropped the phone calls. I'm requesting information about when my check is going to be issued to me. They told me you would be like 3 to 5 business days one time and then I called back in the telling them that the check was not here and they continuously try to put me on hold and hang up. Hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOWNE MORTGAGE COMPANY
State: PA

Complaint narrative:
I have been banned from paying my mortgage online. I have been with this company since my mortgage was sold in 2021, it has been extremely problematic and inconvenient. They don't respond to emails and when you are on a call you get conflicting information depending on which rep you are speaking to. I pay on time all the time. They were claiming to draft payments on specific dates but they wouldn't and it would XXXX up my banking and how I have my bills scheduled. I sent them a cashiers check as they demanded and then they told me they applied my payment to the wrong loan but have resolved the issue. I get a notification from all of my credit apps saying that my credit had dropped XXXX points. After they applied my payment to the wrong loan they decided to put a late payment on my credit report. No resolution at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I, XXXX XXXX and natural person, was denied credit by CAPITAL ONE when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also, they willingly and knowingly provided false and misleading information involving a $ XXXX fine and possible jail time in order to make that decision 15 U.S.C 1611, while denying me extension of my OWN credit, when a car loan is really an installment agreement and doesn't exist as a car loan in consumer law. They also aligned themselves with the dealer in trying to make give them a down payment when its a consumer credit transaction involving a " finance charge '' and thats breaking the law 15 U.S.C 1605 ( " The finance charge does not include charges of a type payable in a comparable cash transaction ). 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. CAPITAL ONE is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE 15 U.S.C 1602 ( p ). Theres no way it makes sense to refuse an auto loan, when nothing is loaned out to begin with. Credits are extracted instead, while called a loan just for a lender to purchase a contract to receive a vehicle that's aleady paid for by credits taken from the applicant but in turn wants to receive payment from that same applicant who those credits were taken from in the first place. So, who's really committing fraud, pretending to be a creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid my bill XX/XX/XXXX, XXXX.It did not have to be paid until the XXXX and the credit bureau still reported it as late even though it was paid on time.

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 2024-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shell point is a new sever to this account ( XX/XX/XXXX ) they received it from XXXX. 
the foreclosure was started by XXXX before they sold the rights. 
So one of my issue is the Web site for clients ( my personal dashboard ) is incorrect it says am in bankruptcy and am not los mitigation for a loan modification status.yes I have spoken on this mislabel .if it stays like this am afraid the system will make my chances slim to non in getting a offer in time for a modified loan to correct the nonjudicial trustee sale in five weeks and if that sale happens am be totally homeless even if am offer a modified. 
I understand am not the only client with previous issues from their previous server and I honestly believe that shell point doesn't want a old woman of XXXX to suffer no more than i already have.. 
So I'm reaching out to you to help me bring attention to the problem at hand with the system that is still broken.and some of the documents I sent to them isn't being received even though I sent them serval times. 
My mortgage account isn't all my undoing and I have been communicating over and over again with all the servers but between the errors on the account and COVID-19 then a forbearance has left me with undue hardship that if given the chance to restart up paying on my mortgage account, it would be a fresh start and understanding, there would be no problems of failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/year> the company sent me a response that stated, " XXXX XXXX is a complimentary service from XXXX that provides XXXXS Card Members and Non-Card Members with their FICO Score. Its important to note that enrollment in XXXX XXXX requires users to review and accept the Terms and Conditions found by logging into their American Express online account and also located at americanexpress.com/mycreditguide. This differs from the information you provided in your complaint stating we enrolled you into this service without your permission. We are unable to enroll nor unenroll you from this service. You can access the website above, by logging into your account, and select the My Account option on the top right of the home page to cancel your enrollment. We are unable to issue any compensation as requested. '' It is quite odd that I literally went years without receiving a single one of these emails and then all of a sudden I received a random one in XXXX of 2024. And you have the audacity to again dishonestly report that it is a matter of me agreeing to some terms to allow you to send me this trash. 

Amex is the king of victim blaming and lying. 

I did no such authorization. You all unilaterally enrolled me into this service. You unilaterally enrolled me and you can unilaterally un-enroll me. 

You all unilaterally deleted my account in retaliation for reporting your negligence. You can unilaterally stop spamming me with your trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 A Section 2 : It also states 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 non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX  : XXXX, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 A Section 2 : It also states 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: NV

Complaint narrative:
My credit card from First Progress with an account number that ends in XXXX was stolen in 2019. The account was closed due to the card being stolen and fraudulent purchases being made on the card. 
I just recently realized a couple of months ago that the account is being reported as a Charge Off ( CO ).

This is incorrect, the account should be closed only and not have a " Charge Off '' associated with the account. 

When I try to call the company to discuss the charge off they can never find my account so I'm never able to discuss the incorrect reporting with them. Even when I speak to supervisors they aren't able to find the account as well. 

Whenever I try to dispute the account from a credit bureau they refuse to delete the charge off status, but anytime I call the company to inquire about the account they can never find it, even after providing my SSN, full legal name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/2024 I visited XXXX XXXX XXXX website at XXXX XXXX XXXX  and completed a new customer savings account application. Almost at the end of the process, the system prompted me to follow the steps to complete the online money transfer online, which I completed and it confirmed that the accounts were linked. Right after that, I got a message saying that my application was denied and to call a number for further assistance. I called XXXX on XX/XX/2024 a courteous banker XXXX attended my call. I explained the issue to her. She placed me on hold and investigated, however all I got was that the system detected some red flags on my record. I told her that I do not understand what the problem might be since I do not have any knowledge of any financial issues in my record whatsoever. I do not have bad credit either. She transferred me to a XXXX line. I left a message to XXXX XXXX or XXXX XXXX. I have not heard anything from them since. I am a school teacher in California and I do not owe a lot of money to anyone or have any financial issues that I can think cause red flags on my record. I would like to hear from XXXX XXXX XXXX what is the real issue for the account application denial.

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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I applied for American Express Gold Delta card while purchasing airline tickets with Delta. The offer was {$400.00} AMEX statement credit. Only {$200.00} statement credit was issued. I saved the snapshot of the page showing that I will be getting a {$400.00} statement credit. 
On XX/XX/year> I contacted American Express and they opened the case to investigate. I stated that I have a screenshot showing that I am suppose to get a {$400.00} statement credit and offered to send it to them. They stated that they can not take it while opening the case and that someone will reach out to me in a few days to get it. That did not happened. 
On XX/XX/year> I called Amex again and talked to XXXX XXXX ( ID : XXXX ) : he said that Amex conducted a review and determined that I was only supposed to get {$200.00}. I complained that there was no communication, no one requested my evidence, etc. He assured me that he will reopen the case and promised to indicated in his notes that i requested to be contacted and would like to present my evidence. He also said that estimated date of resolution is XX/XX/year> By XX/XX/year> there was no communication from Amex. I called again. Talked to XXXX ( ID XXXX ). He claimed that the inquiry was closed " a few days ago '' and that they internally confirmed that I was only owed {$200.00} statement credit. Again, no one contacted me about my evidence and they didn't even bother to notify me of their decision. 
All they have been doing is just brushing off my concerns, not providing any evidence of their own and refusing to even look at my evidence. This all looks like plain false advertising and bait switch.

Company response to consumer: Closed with explanation