vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: KY

Complaint narrative:
I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act.

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: KY

Complaint narrative:
I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX a lady dropped off a summons to show up in court for a debt I have no idea about. I never received anything from this company before ( Credit Corp Solutions , INC ) I dont even know what the debt is for. All they said is I took a loan out in the amount of {$2900.00} back in XX/XX/XXXX with an electronic signature. I never took a loan out nor would I as I am a retired XXXX  and am a housewife since XXXX. The court date is set for XX/XX/XXXX at XXXX XXXX. I dont know what to do as I dont know what this is for. Thank you kindly. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The creditor has not updated the information nor has provided proof, or documentation in regards to any late payments. They have not supplied this information and they must delete the alleged payments on my credit report. 

Under 15 USC 1666b, Timing of Payments, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. Also 15 USC 1681e - compliance procedures, which clearly states maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
In XXXX of XXXX we completed the purchase of a previoly ordered new vehicle with XXXX XXXX  in XXXX Texas. During the transaction there were several items added to the loan which were then appropriately cancelled & agreed in writing to be returned within a 6-8 week time period directly to FORD CREDIT , the loan leinholder. I have followed up 6 times ( XXXX XXXX XXXX XXXX  Twice in XX/XX/XXXX, Twice in XXXX XXXX  ) with the dealer asking for verification of resolution and have not received a clear response nor resolution. 

Additonally, I communicated with FORD CREDIT ( lienholder ) several times and they have shared that for each pending item, they still seemed to be sitting with the dealer to appropriately remit payment to them so that my principal balance & interest being paid on that amount would reflect the ~ {$10000.00} reduction. I have paid ~ {$400.00} in additional interest not including additional taxes paid at the orginal XX/XX/XXXX purchase that have also not been accounted for. 

The items that have not been able to gain resoution are as follow : AFTER MARKET WARRANTY CANCELLATION : I provided in time cancellation of after market warranties in XX/XX/XXXX working with XXXX XXXX for the warranty cancellation. Warranty company has confirmed XXXX XXXX has yet to submit the payment to XXXX XXXX but they confired it was provided to their team in XX/XX/XXXX. ( {$3700.00} ) AFTERMARKET FEE REQUIREMENT : Regarding the mandatory aftermarket fee that was charged and could not be removed to close the deal on the purchase originated XX/XX/XXXX ( Delivered in XXXX XXXX ). The XXXX XXXX team agreed to remove and refund this {$3500.00} mandatory fee. Yet to be credited. ( {$3500.00} ) {$1000.00} overage of DEPOSIT CREDIT from XX/XX/XXXX down payment to reserve reservation. This was not applied to purchase price down payment and was said to be returned to use directly via mail or direct payment to FORD CREDIT loan balance. ( {$1000.00} ) DIFFERENCE FROM ORIGINAL CONTRACT PRICE agreed to be honored as Ford changed price 6 months after original ( XXXX XXXX ) order. Ford was to return return of ( ~ {$2500.00}, w/ tax included ) We were told they would be submitting payment for these items at the latest beginning of XX/XX/XXXX and FORD CREDIT has still not received these adjustments. 

XXXX XXXX credit to FORD CREDIT i calculate as : {$10000.00} plus any applicable taxes or finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
XXXX has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXX, TX XXXX and have for the past 5 years yet XXXX does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. XXXX disabled my lock and alert and won't let me reactivate it. Additionally, XXXX has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and XXXX has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. XXXX has my address listed as their XXXX arizona corporate address and again that is not my address. XXXX needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. XXXX caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with XXXX without resolution. My email XXXX is the email used to sign into the lock and alert but XXXX has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.

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 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding my closed credit card account with Citi Bank XXXX I am concerned that my account has been subjected to high interest rates and other fees, despite being closed due to my current medical issues which have left me unable to work. 

As a consumer, I understand that there are laws and codes of banking in place to protect individuals from falling into debt with their credit cards. I have attempted to manage my debt responsibly, but have found the interest rates to be unreasonable and unmanageable given my current circumstances. 

Furthermore, I would like to express my frustration with the lack of communication from Citi Bank regarding this matter. I have not been given a clear explanation as to why my account has been subjected to such high rates, or any assistance in managing my debt in a manner that is more reasonable given my current situation.

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 monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: DE

Complaint narrative:
To Whom It May Concern : In your response to to the inquiries you received through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023, and the XXXX XXXX XXXX on XX/XX/2023, you stated, You want Caliber to take the payment as they requested, move forward with the request and remove the PMI retroactively when your initial request was submittedOnce we have the decision from the investor, we will respond with the decision and backdate the decision to when the initial payment was received, XX/XX/2023. Having accepted that your error caused an undue delay and therefore providing a remedy of retroactive removal. 

I have since received your letter dated XX/XX/2023 directly contraindicated the above text submitted through the Consumer Financial Protection Bureau ( CFPB ). Your letter dated XX/XX/2023 states, As the PMI decision is based on the receipt of the valuation, is the date of XXXX cancellation Caliber will cancel the PMI and will not cancel based on your request date. 

Again, your previous correspondence submitted to the Consumer Financial Protection Bureau ( CFPB ) stated that you accepted your error caused undue delay and you provided a remedy of retroactive removal to the date the initial payment was received, XX/XX/2023. I request that Caliber Home Loans take immediate action to resolve this issue by providing the remedy stated in their correspondece. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. Thank you for your attention to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and this is my second complaint to Midland Credit after this failed to rectify my matters. 

Please pay close attention to this complaint cfpb Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TN

Complaint narrative:
I have been disputing the information on my credit report and am baffled as to how the information is coming back as verified when none of the information is matching up with the other two bureaus. I am disputing the validity of : I need for the creditors to validate the information that is being requested. 

PLease validate - dates of last payment- open date / first delinquency

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened a Citibank Business Checking Account with an advertised offer to deposit {$25000.00} into a new Business Checking account to receive {$700.00} after 60 days. I opened a new business checking account and deposited {$26000.00} on XX/XX/XXXX. XX/XX/XXXX should have been over 60 days but I never received the bonus. I called a Citibank XXXX in XXXX and was told to wait for it to post in a couple of weeks. It never posted. I went into the Citibank branch where I opened the account on XX/XX/XXXX and was told they would put in a request for the bonus and I should see it in 2 weeks. Two weeks later, still nothing. I then called the Citibank business line and spoke to a manager and explained the situation and they said they would put in a request and it should be in there in 2 weeks. It is now XXXX XXXX and the bonus has never been posted. Apparently this seems to be a common occurrence with Citibank. Had I known about this I would not have opened this account. Its extremely frustrating because not only is Citibank not doing what they are advertising, but even if they are " forced '' to give consumers the bonus they have rightly earned, there is no punishment and therefore no incentive for Citibank to change this apparent policy of not awarding banking bonuses as advertised ( meanwhile they get use of the customers and small business owner 's money for free for months! ) This egregious business practice should be punished.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
I am XXXX XXXX military. I received adds to call Freedom Debt Relief promising me an affordable way to repair my credit and gain a better credit score. They made it sound like a debt consolidation loan. I was told I needed to default on my loans in order for them to help me. Additionally they said I would receive this loan in six months time if I followed through with their system and steps. I have been with this company since XXXX oXXXX XXXX. My wife originally started the process when it was Freedom Debt Relief and I stepped in when they moved me to XXXX XXXX XXXX. I recently found out they are the same company. I was paying them almost a XXXX dollars a month for about a year until they moved my loan to XXXX XXXXXXXX XXXXs. I have been paying this new lender for over a year and giving them about {$900.00} a month. Combining all payments of over two years at {$900.00} or more a month! They have falsely reported a bad payment history to my credit report twice and after complaining they remove it. I have a security clearance with the XXXX XXXX. Bad reporting can affect my career. In addition to this my loan has barely been chewed down. I owed XXXX on my debts two years ago and after over {$20000.00} in payments I still owe over {$20000.00}! Something is seriously wrong here! I believe this company is violating the military lending act on so many levels. I tried to retain an attorney and they told me this company has forced me into an arbitration agreement and are charging me excessive fees which to my understanding is two violations of the military lending act. I was told to come to you. The company will not speak to my wife after I have verbally consented as well as produced a letter and power of attorney to them allowing this. I find it strange when she was the one who started this whole process. I dont know who my loan belongs to since this company goes by three different names. In addition to these high interest rates this company has combining fees that bring my rate to over 50 %. I am very concerned that I am throwing my money away on a scam corporation but my credit is critical to my lifestyle so I continue to pay them. As a military member I can not deal or afford this hassle in my life. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a check of {$8200.00} in chase bank on XX/XX/. I was told my the bank teller XXXX XXXX XXXX that it will be an hold and will be released on XX/XX/. I was never told that the account was closed or need to have further assistants with cause it was on the verge of closing. So i checked my account the next day and it wouldnt let me log on like my account was closed which it was when i called an ask the bank teller the next day being that there where no funds in the account for 30 days. So i came an ask the bank manager XXXX of the chase branch in XXXX, fl on XXXX XXXX, what do i need to do and he told me the review team is taking care of it and they should call me and will be sending a check. After fighting with more phone calls everyday with customer service from chase bank from XXXX XXXX  ( who the originally is from ) and by the way this is a refund check from filing my taxes in XXXX, ga at XXXX XXXX XXXX XXXX XXXX. No one has solved my issue and i am asking for help to figure out if someone stole my money. Please and Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
Experian, XXXX, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc.
State: NJ

Complaint narrative:
Dear Afterpay Customer Service, I am writing to file a formal complaint regarding the high interest rates on installment loans that I have been charged. As a consumer, I believe that I am entitled to reasonable interest rates and fair lending practices under the consumer laws and codes of banking that are in place to protect us. 

I am currently not working due to medical issues and have been struggling to make ends meet. Despite my financial difficulties, I have made every effort to keep up with my installment loan payments. However, the high interest rates that I have been charged have made it nearly impossible for me to pay off my debt in a reasonable amount of time. 

I believe that these high interest rates are not only unreasonable, but also potentially illegal under the consumer laws and codes of banking. I would like to request that Afterpay investigate this matter and provide me with a resolution that is fair and equitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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