vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected 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 has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I closed this bank account in XXXX after the former bank, XXXX XXXX, was acquired by Axos Bank. I recently discovered that I was a victim of a fraud in connection with a payment that I made from this bank account in XX/XX/XXXX. I have tried contacting Axos Bank to obtain a copy of my XXXX and XX/XX/XXXX bank statements and Axos told me they can not provide these bank statements due to their age. My understanding is that banks must retain such records for at least five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
The alleged original debt was from XXXX for XXXX of services on an account that had been closed prior. The debt was assigned to XXXX XXXX XXXX XXXX XXXX in 2022. I immediately contacted XXXX XXXX XXXX, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer ( XXXX ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, XXXX did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with XXXX. I did not receive a response. Now, it seems as though XXXX has assigned the item to Southwest Credit. Southwest Credit has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
I have loan with DEPTEDXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPTEDXXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}

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 2023-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
Sent Final payment cashiers check. Overnight to To Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX. 
Odometer statement attached to the check. 

Hyndai motor finance shows processed on XX/XX/XXXX. Then I started to receive voice messages that the odometer statement was not received. I sent it by fax on XX/XX/XXXX. To XXXX. Did not hear anymore from Hyundai Motor Finance. Now my new loan company is demanding a title by XX/XX/XXXX. I have no recourse. No way to get this title. I have sent the odometer statement again. By email and fax today XX/XX/XXXX to XXXX and XXXX. I only get customer service people that can not help by phone. They make me provide information and offer to send me the odometer statement form. Give me the fax number. But have zero ways to help me and are not able to connect me to a representative onshore ( Their words ). I need this title for my new finance company.

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 2023-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
I purchased a home in XXXX in 2013 from XXXX XXXX. A few months later Popular Bank purchased the loan. Now 10 years later, I moved to VA and found a buyer for the house. I XXXX  with the federal government. Popular Bank failed to complete the necessary documents and there are multiple lines in the title, which I have been made responsible to fix because Popular Bank went out of compliance with the laws by failing to complete that transaction 10 years ago. Now I cant sell my house and this could have negative impacts to my credit and life because they did not clear their transaction with XXXX XXXX 10 years ago and are not doing a thing to fix it. 

I need urgent assistance to close this issue. This is not the first time they fail to process documents. I had to refinance my vehicle and they did not provide the vehicle title so I was forced to leave it behind. Now I have to pay extra to go back and try to figure that part out as well because they failed to do that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CA

Complaint narrative:
On XX/XX/XXXX of XXXX a letter was sent to the 3 different credit bureaus. 

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : 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 CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: AL

Complaint narrative:
This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase account and everything was fine and then I get a letter that they were closing my account stating that its from Information that they have because of my association with a chase credit card deposit on vestment count that was previously closed. Several years ago I opened up an account for my boyfriends construction company but it was in my name because he was too busy working to go into the bank and he just doesnt do paperwork computers or anything like that so I open the account in my name and owner. Had properties in the XXXX XXXX, XXXX XXXX area, but he lives back east in Ohio somewhere he was depositing money for payroll and for construction materials that we needed to complete the remodel of the apartment complex I get a notice from Chase that they are closing my account, they accused me doing illegal Things in so many words, they insinuated I was laundering money or something like that. Thats the impression that I got I was absolutely mortified abhorred at the insinuated allegations. Fast forward to XXXX I open a Chase account because Im not happy with XXXX XXXX because XXXX XXXX close my account installed one of my savings bonds my father had purchased for me. Anyway, so Chase close the second Chase account but I turned around and opened up another Chase account and they allowed me to the system didnt catch it and then XX/XX/XXXX. I receive a letter that states after careful consideration we decided to close your account because of your association with the Chase credit card deposit investment count that was previously closed. Heres what you need to do blah blah blah. Ive tried to talk to people reached out to people tell me this is a mistake Im not sure because XXXX XXXX put me on early warning system When they close my account and stole my bond money which thats another case that XXXX reported about thats being resolved actually so it could be that early warning system thing or could be this old account for mini years ago. I think it was maybe XXXX XXXX I had my other Chase account its been so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am trying to sell my house and the title company says there is a lien on my house from 23 years ago. Ditech had my mortgage and went bankrupt. XXXX took over the mortgage but Ditech did not release the lien. Now the mortgage is in XXXX ( XXXX ) hands. I need the lien released for the title company to sell my house.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have had 4 fraudulent accounts attempted to be open with Bank of America in the past month. 2 of these fraudulent accounts were opened. Both times I contacted BoA to close this and report fraud on them. I have also placed a notice with XXXX and frozen my credit file with the credit agencies. Even by doing this BoA allowed for an 2 additional account requests to be put in and 1 to be fraudulently opened. BoA also has no tools in place to prevent an account from being opened in my name. So this is continuing to happen.

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 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: KY

Complaint narrative:
I refinanced the mortgage on my home in XX/XX/XXXX. PMI was automatically scheduled to fall off the loan in XX/XX/XXXX. It is still being charged on my current statement for payment due on XX/XX/XXXX. Further, I pay additional principal every month and I am 20 payments ahead of schedule. I am at payment 51 as to amount of principal left and PMI was scheduled to come off at payment 31. Meaning, my loan balance dropped below 78 % - when PMI should automatically terminate - over a year ago and has yet to be removed. I called Flagstar Mortgage about it in XXXX and again today to no avail.

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 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company is MIDLAND CREDIT MANAGEMENT IT IS ON ALL MY CREDIT TEPORTS DESTROYING MY CREDIT! ITS NOT MINE AND MUST BE REMOVED IMMEDIATELY! They are harassing me and ruining my credit! ITS ABSOLUTELY EGREGIOUS!!!! I WANT IT REMOVED IMMEDIATELY! I have filed police reports identity theft reports ETC!!! IT MUST BE OFF IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This balance was resolved with the original debtor XXXX. I never received a statement stating I had an over due balance with this company. Attached is the statement I received at my new address. This account was paid in full upon moving. I then began to receive collections calls. When I logged back into my account, there was a balance owed. At which point representatives of XXXX admitted to altering my account information. XXXX has admitted on a recorded line to falsifying documentation for collections efforts. 

I have never received any correspondance from Sunrise Credit via mail or otherwise. They then placed a derogatory remark on my credit with no prior notification. This balance has been resolved since XXXX of 2022. I do not owe this balance. I never acknowledge owing this balance. I was never told I owed this balance until XXXX of 2022. This was resolved completely in XXXX of 2022. And I have received zero correspondance from either XXXX nor Sunrise credit at any point and time prior to a second derogatory remark on my credit.

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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
I was attempting to gain an extension on a HELOC that Ive had for decades ( originally obtained in XXXX MO ). The original bank, XXXX XXXX XXXX, had offered me the HELOC as a way to keep me and my very small business covered during lean times. It worked very well for me. Renewal/extension was always a pretty straightforward matter and the loan officers then were helpful. Simmons Bank took over XXXX XXXX ( then XXXX ) a few years ago. I am now XXXX XXXX XXXX and the HELOC was going to reach maturity. I supplied many pieces of information. The process continued to drag on due to delays on their end ( e.g. asking for one piece of info and then a week later, another ) with an XX/XX/XXXX maturity date looming. They discovered two small liens totaling around {$7000.00}, the result of a wonderful program offered by the XXXX of XXXX MO to help low-income homeowners get needed repairs to their homes. The loan for seniors like myself was zero interest with zero payments and only payable if the house changed hands. 

I am filing a complaint because when time ran short on the renewal, the unnamed underwriter instructed XXXX XXXX, the person who was emailing me, to suggest that I, at XXXX and on Social Security, with an admittedly low income, use the remainder of the HELOC to pay that off. Why? So that Simmons Bank could be # 2 to collect on a default of the mortgage or loss of the house, rather than # 4. Thereby putting a person of my age under the unnecessary burden of paying interest of 7.5 % or more on a loan offered by the City that was meant to be zero interest, zero payments. Preying on low-income seniors! Giving terrible advice, as well. 

Next, my son wired the funds to pay off the HELOC on XX/XX/XXXX and Simmons held the excess funds from the wire for 2 weeks. No one asked me what I wanted done with the excess. No one contacted me about the excess at all. When I inquired as to the whereabouts of the money, I was told that it would be put into a cashier 's check and mailed to me, instead of simply putting it into my account. On XX/XX/XXXX, I told both XXXX XXXX and the then named loan officer, XXXX XXXX, that I wanted it put into my account. They wrote a cashier 's check, regardless, and because I called and expressed my extreme frustration and anger, the money was finally put into my account. I'm sure that my letter of the previous week to the president and COO of Simmons may have red-flagged my account -- but no one did anything about it until I called XXXX XXXX. 

Simmons is generally hated in my community, especially by all of us previous XXXX customers, who were not given a choice of banks. Many of us were stuck with Simmons and its utterly deplorable customer service and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened a 12 month cd account with Webster Bank through their online banking which is briodirect. After opening the account I had {$20000.00} transferred from my XXXX XXXX XXXX savings  account into the cd. XXXX  XXXX XXXX has verified the routing number and clearing account number and also received confirmation from Webster Bank that they received my money. Webster Bank denies all of this and says that they never got my money and that it is an issue with XXXX  XXXX XXXX. I have filed a claim with XXXX XXXXXXXX XXXX but the claim will take up to 45 days to get my money back. In the meantime I'm out {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
The debt concerned originally occurred as part of a medical procedure that took place due to an injury I sustained in an automobile accident. The original creditor ( XXXX XXXX XXXX ) coded the treatment as XXXX which was incorrect. This error caused my insurance company not to pay as XXXX  is not a covered condition under the plan. I made XXXX XXXX aware of the mistake on several occasions to which they didn't respond. They turned the debt over to Choice Recovery , Inc of which I was first notified on XX/XX/XXXX of XXXX. I informed them of the mistake and they stopped collection activities. On XX/XX/XXXX of XXXX, Choice Recovery , Inc. again made contact concerning the aforementioned debt. I again informed them of the billing mistake and added details explaining that other items on the bill were incorrect and that some services on the bill were not received, Choice Recovery , IncXXXX failed to respond to that email. On XX/XX/XXXX I was alerted by a credit tracking service that a collection account had been noted on my file. Choice Recovery , IncXXXX has damaged my credit while knowing that the debt is invalid and has failed to correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.

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 2023-04-21 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: GA

Complaint narrative:
i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.

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 2023-04-21 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: CA

Complaint narrative:
On XX/XX/XXXX of 2023 a letter was sent to the 3 different credit bureaus.

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : XXXX + XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX + XXXX XXXX + XXXX XXXX+ XXXX XXXX XXXX  XXXX + XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation