vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2023 I was able to contact TransUnion by phone ive noticed unauthorized Inquiries on my report OR someone applied for something in my name.AND Fair Credit Reporting Act ( FRCA ) requieres a unverified and unauthorized tems must be remover from my credit report.They told me that i needed to make a complaint with the CFPB and a letter from me and send it to 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, On XX/XX/2023 I called Regions bank when I noticed my bank cards and my phone were stolen, which also had my debit card inside. I immediately told the customer representative that I wanted to place a lock on my card. I was also told that {$2900.00} was stolen out of my account. The Regions customer representative told me that the investigation would take up to 10 business days. About 15 days have passed and I haven't received any type of update about my claim. 

I called Regions bank again on XX/XX/2023 to check on my claim since I have not received any update via email or XXXX and I was told the claim was denied, I proceeded to ask why and the representative told me because I authorized the payment. I told the representative " No I didn't '' I was unaware of the charges and I was never contacted about making the charges to my account so how is that possible? I was told a text message was sent to my phone and it was authorized. I told the representative my phone was stolen like I told a Regions Customer Representative on XX/XX/2023, so it's ridiculous that it was denied when I didn't have my phone to even authorize the charge. The representative I spoke to on XX/XX/2023 told me that the information was then added to the notes and I would have to wait another 10 days for the claim to be investigated. I wasn't even in Georgia at the time of purchase, I was in a different state. I attached my flight itinerary on the complaint It's ridiculous that the first I spoke to didn't take good notes of my investigation the first time, otherwise Regions would know that I didn't authorize those charges because my phone was stolen. Now I am late on my school tuition and have to pay late fees because my money was stolen.

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 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I initiated the process of re-evaluating the value of our property so that the PMI payments could be removed. PHH sent a letter that requested I send a payment of {$150.00}, and I did. They cashed the check. Then they sent a message saying that actually the cost was now {$190.00}, so I would have to pay an additional {$40.00}. I don't think this is lawful, from a contract perspective, because they quoted a price, I paid, and they deposited my check. I also think it is exceptionally bad business practice and ethics for any company that isn't extortionary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am complaining about my mortgage not showing on my husbands and my credit report with XXXX credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to Newrez LLC dba Shellpoint Mortgage Servicing on XXXX XXXX XXXX 
I emailed and called Newrez on XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called XXXX on XX/XX/XXXX at XXXXXXXX XXXX using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I contacted the company and they agreed that the debt would be removed from my credit report as soon as possible once I have made payment and cleared debt. I was also told I would receive a receipt confirmation by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2022, Citi had sent an email to me noting that due to " suspicious activity '' they were locking my account and then, one minute later, another email indicating that they were shutting down my checking account. There was over {$20000.00} of my own funds in the account. I was locked out of the account online, and called several times to verify myself via their fraud prevention team. Each time, they told me that I was not able to get access back to the account, my account was being closed with no explanation. 

My closure email was extremely vague : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. '' The only issues in my account were a few external debit card transfer failures, directly related to issues by the processing bank. This was for transferring funds into my Citibank Checking Account. My account was never overdrafted, nor was there any illicit or otherwise negative activity on my account. Additionally, I had to wait several weeks for my check of over {$20000.00} which had been wrongfully held from me with no explanation, to arrive so I could use my own funds through a deposit to a different bank. 

There was never anybody else accessing my account except me and no " suspicious behavior '' to warrant a fraud team 's response.

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 2023-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XX/XX/1992 XXXX In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written consent. An account was made for {$75.00} dollars without my written consent to furnish this account. Please remove immediately it's hurting my livelihood. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on XXXX dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of Upgrade card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, Upgrade is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reached out to Experian about this faulty bankruptcy and they lied and sent me a letter stating the credit bureau confirmed a bankruptcy the courts confirmed that they did not provide Experian with no information and provided me with a letter prooving they did not please 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 2023-02-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I have reached out numerous times to all 3 credit bureaus regarding negative reporting on my credit report like late payments, charge offs and collections accounts. I have not been successful in any of these times. I am currently in the process of trying to buy a home and this negative stuff is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB, I have a credit card ( ending XXXX ) with Capitalone Bank. I made a small {$1.00} payment via XXXX and that was for a small purchase. Capitalone coded this transaction as cash advance and charged me {$10.00} cash advance fee plus daily interest starting day 1 of transaction. Once I noticed this issue, I called Capitalone and explained. There is no way someone wants to cash advance {$1.00}. Capitalone customer service is not helping and refused my request for fee refund. Then I got to speak to a supervisor and she confirmed with me that if the original purchase transaction is revsesed, the fee will also be reversed. I have now reversed the XXXX transaction and now the original {$1.00} went back to my credit card. HOWEVER, the {$10.00} cash advance fee is still there! Capitalone is just using this almost fraudulent way to overcharge customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My vehicle was repossessed during COVID and two months prior to my beginning to collect SSA retirement. The company ( Santander ) would not negotiate because, in their opinion, I did not have substantial income and would not be able to honor a future repayment plan. They did not offer to make any exceptions due to COVID and demanded I bring my payments current immediately. I had to move due to the pandemic, and I was laid off my job. 

A few months prior to the repossession, I went to XXXX XXXX regarding debt relief. They made a {$7000.00} settlement arrangement with Santander, but Santander later said it could not be honored because the vehicle was still in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
this company purchased this loan. this loan is not correct and is a student load .the information is not correct and needs to be deleted on all 3 credit burrows

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX my car payment of {$220.00} was taken out of my savings account, but out of the blue I gotten an email ( XX/XX/XXXX ) stating that my payment wasnt received. Ive sent in an email to resolve the problem and still nothing. I contacted the bank to make sure it wasnt an error, and the teller stated that the car agency had taken the money from my account and nothing was reversed back. On XX/XX/XXXX, I spoke with a XXXX representative as he stated that the issue was made in error on their end, and that the balance was cleared ; all after I asked to have the bank involved in the conversation to provide the additional information. After several attempts to get the issue resolved, the XXXX representative never waived the amount off as promised, while still stating that I owe the paid amount. Customer service was very rude and never showed any interest on resolving the issue, as this isnt the forest time this happened to me.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX XXXX mentioned I have been pre approved for a personal loan. When Ive contacted the loan office, they mentioned later that I was not approved via the offered that was mentioned thru XXXX XXXX which has ultimately decreased my credit score dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Liberty Career Finance, LLC
State: GA

Complaint narrative:
I tried reach out to them several times to update information they keep selling the account. the information is for a student loan on a CDL class. the information is wrong and was being paid by my company not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: LEXISNEXIS
State: VA

Complaint narrative:
Lexus Nexus reporting inaccurate information. Lexus Nexus reporting wrong information to other data sources and credit report agencies. Lexus Nexus have multiple name variations. Lex Nexus is have information on report that is more than 5 years old.

Company response to consumer: Closed with non-monetary relief