vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: Advance Bureau of Collections
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gig purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is stopping me from getting a fair line of credit for credit card, loans or a credit score. is been closed since XXXX is over seven years old but is still furnished to anyone without my consent. 
XXXX  XXXX XXXX # XXXX closed XX/XX/2014 Dept of EdXXXX XXXX XXXX XX/XX/2014 Dept of Ed/XXXX  XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is stopping me from getting a fair line of credit for credit card, loans or a XXXX XXXX. is been closed since XXXX is over seven years old but is still furnished to anyone without my consent. 
XXXX  XXXX XXXX # XXXX closed XX/XX/2014 Dept of EdXXXX XXXX XXXX XX/XX/2014 Dept of Ed/XXXX  XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX keep opening and closing an account on my trans Union and my XXXX credit report. Ive wrote numerous letters to have it removed. I would like it removed from my credit report asap please.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pandemic I was receiving unemployment issued through Bank of America. There were weekly deposits of {$1000.00} that were to be added to my prepaid card account. Upon looking at records Bank of America withheld {$1000.00} without authorizing or notifying me of any reason. I was never given that money and I never filed a complaint due to current circumstances.

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 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Years ago, I got a loan with XXXX XXXX. Later they transferred the servicing to Mr. Cooper. When the loan was first transferred, Mr. Cooper added an escrow account. I told them I paid XXXX th more in interest to not have an escrow account. They told me I had no choice and I had to pay into an escrow account. I would fight them and they would finally delete thee escrow account. 

3 years ago, Mr. Cooper placed lender insurance on my account even though I had provided proof of insurance. During this time I called repeatedly about this and they refused to change the lender policy and accept my insurance policy. Therefore, I was forced to pay 2 insurance companies. Finally, I was able to get someone on the line and proved I had insurance and they refunded 3 years of impounds. 

Trying to be proactive, I called Mr. Cooper to make sure they got my insurance. At that time, I found out they stopped my auto payment and I was delinquent. Again, I tried to setup autopay and have not been able to do. I did get confirmation that they had my XXXX insurance policy. The policy in affect at ths time dates from XX/XX/XXXX to XX/XX/XXXX Even though they have a paid receiupt of approximateyt {$3800.00} and a policy showing paid in full, Mr. Cooper sent another check of approx. {$3800.00} to my insurance company. My insurance company has denied receiving this payment. This means I have paid my insurance twice. To make matters worse, included in my {$3800.00} amount is insurance for 4 other properties. This is a blanket policy for my rental properties, They are charging me interest on this amount even though they admitted they had proof of full payment for my 1 year policy. They are now telling me, I have to wait for the insurance company to cash the check and send me a reimbursement. That could take at least 6 weeks. Then I am told I have to mail that check to them to be put in my escrow account which I shouldn't have to pay. They want 1 year premium in the account in advance. 

I spend almost 4 hours every monthly trying to work out problems like this with Mr. Cooper. They want to increase my payment from {$390.00} to {$970.00} per month. .Also, they have created overdrafts for me by increasing the amount of payment with no notification. 

Please help me to get my {$3800.00} back from Mr. Cooper. Please get Mr. Cooper to reimburse me for the interest charged on this amount. Please help me to stop Mr. Cooper from collecting impounds. 

Thank you for your assistance. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute online to Equifax to update my address on my credit report. Equifax does not allow an option for individuals to update their address on their own, the only option they provide is to dispute information. I was able to log into Equifax to submit the dispute and upload a current utility bill showing my current address but was denied access ( locked out of my account ) when I tried to review the results of the dispute. I have contacted Equifax XXXX times, each time the hold time exceeds XXXX hour. I had to enter by social security number and phone number into their automated system just to be connected to a live person. Once a person comes on the line to speak to you, the language barriers interfere with the person 's ability to help me access my account. I was asked to upload a picture of my driver 's license through a link sent to my cellphone. This is an unsafe practice and makes it easy for people to commit fraud. The laws of all states also prohibit how non-government agencies obtain and use driver 's license from individuals. For this reason, I will not be providing them an electronic picture or copy of my driver 's license. Under the Fair Credit Reporting Act Equifax is required to allow me to access my credit report and information contained in their system about me. By denying me access to my own information they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-23 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: Security Credit Services, LLC
State: SC

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: CITIBANK, N.A.
State: LA

Complaint narrative:
In regarding the identity theft from XXXX XXXX and her partner as named by the XXXX Police Department, I have additional information to add. 

Please remove the following hard inquiries : CBNA - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and CBNA - XXXX XXXX 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/2023 I opened XXXX business checking accounts with XXXX XXXX XXXX XXXX XXXX city XXXX. I used a promo code to get {$750.00} per account with a deposit of {$15000.00} per account. I deposited the $ XXXX in each account at the time of opening the account. The terms were stated and verified by XXXX that the $ XXXX sit there for 60 days and the {$750.00} promo would be deposited within 45 days after the stated 60 day promo period. The 105 days has passed at this time and I have been getting the run around from the XXXX # .. And XXXX has failed to response to me. Today XXXX reached out and stated that I was not getting the promo because I never used online banking. XXXX attempted to open my online banking the day of account opening and failed to get it opened. I was never told this was a term but I do have an online account that I have used. He is now stating I have a personal online account and not a business online account. I have no personal accounts with US Bank, so I have no idea how I could only have a personal online account as my business accounts are the only accounts listed on my online profile. I am owed {$2200.00} dollars from US Bank and they are stating they are not going to pay me. My {$45000.00} dollars has been tied up for over 105 days to get this promo and they are not following through with what was promised by XXXX at the beginning of XX/XX/2023 when opening the accounts. I need my {$2200.00} promo ASAP as it is over the 105 days stated that was the XXXX time before being paid the XXXX. XXXX XXXX can be reached at XXXX. He is a liar and failed to provide what was promised in XXXX at account opening.

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 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates does not have a license to legally collect debt from me or anyone else. The debt I am accused of owing is not mine and I have no knowledge of it. I have asked them to remove and delete this from my credit report many times. They have sent someone to my home many times to try and serve me papers to sue, the papers were never handed to me directly. The person who delivered it left it on my front door 's gate and walked away. I don't appreciate the harrastment that Portfolio Recovery Associates have done, from excessive phone calls to someone showing up to my house countless of times after they were asked not to come back. I don't not owe this debt I am accused of. I would like the CFPB to please assist so that I am treated fairly and have the debt deleted from my credit report for good. Portfolio Recovery Associates does not legally have a license to collect debt from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has publicly humiliated by contacting my son, my husband, my husbands adult children and their spouses to discuss my loan by stating they are trying to reach me and havent been able to reach me. The harassment has lead me to consider filing a law suit due to violation of my privacy among other reasons. They have received payments and increased harassing phone calls. I have sent a request for compromised payoff and would like them to respond. Unable to send copy of letter due to filing complaint on my phone while Im out of town and my husbands family is receiving calls from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc.
State: TN

Complaint narrative:
On XX/XX/2023 I mailed a letter certified to the United States Bankruptcy XXXX XXXX XXXX XXXX Mississippi asking about reporting information to the reporting agencies and the letters that I received stated they do not report. With that being said how did these credit agencies verify this info as 100 %? Clearly they never did an actual investigation according to the USC 1681.

According to USC 1681 Section 603 ( 3 ) E states that the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics and mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or may not have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor or from the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights several time. 

They violated my rights under 15 USC 1681.

According to 15 USC 1681 sec 602A I have the right to privacy.

According to 15 USC 1681 Sec 604A Sec 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A card was opened on XX/XX/23 with Capital One that is a fraudulent account reporting on my credit report. The issuer is claiming that I owe the debt, but this account is not valid. I have sent a validation of debt letter to the issuer, to prove they are the original creditor, but I have not received anything in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KP ASSET CONSULTING LLC
State: KY

Complaint narrative:
This company says they are a mediator for collecting debt. They call my family friends repeatedly and leave messages saying they will show up at my home and work. I called them to find out what was going on they said their name is KP Asset Consulting and that I owe a debt. I asked for the name and number of the debt owner they would not provided. I asked they only speak to me regarding the debt and in writing they said no. They said they could not stop the calls to family friends etc unless they called them and asked. I am still trying to verify who owns this debt but the collection practices of KP Assets Consulting are abusive and not honest.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX & XXXX XXXX {$96000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I'm demanding proof of the purchase agreement, contract, or promissory note as evidence of indebtedness to continue to report such information to the consumer report. If such proof can not be provided in a matter of 14 days, it's considered identity theft because your company paid for my information which I did not authorize or consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ERROR CODE XXXX  THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT

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