vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
around XX/XX/year>, XXXX XXXX XXXX  ( XXXX ) sold the mortgage on my rental property to Western Alliance Bank. I had Automatic draft setup with XXXX XXXX XXXX  company and that Automatic Draft did not transfer over to the new Western Alliance company and I did not realize that was the case. Due to the change of Mortgage company , the payment was delay for over 30 days and they have reported it to the credit bureaus. I have several mortgages and I have never been late on any off them before. Western Alliance Bank refuses to fix the reporting since it was a delay in payment, not refusal to pay. The Automatic draft should have taken place and it did not, therefore causing delay in payment for the XX/XX/year> payment. One single delayed payment is impacting my ability to obtain mortgage on a new property. This is not fair considering the delayed payment was an oversight and due to them not automatically drafted. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
Starting about XXXX weeks ago ( early XXXX ) I started receiving both phone calls and text messages from AMSHER. They would not leave voicemails and I wasn't familiar with the company so I didn't answer. Eventually a text message on XX/XX/24 included the phrase " AmSher, a Debt Collector. '' After that, I made a few attempts to answer the call to see why there were contacting me. In each case ( at least XXXX times ) when I answered there was a lag ( sounded like a " robocall '' connecting with a person ) and within a few seconds the call disconnected. I attempted to call back but it asks to press various numbers for various companies and I had no idea why they were calling so I couldn't even connect. Eventually, I just pressed " XXXX '' after being hung up on again and when I got a debt collector she immediately asked that I give her my date of birth which I, of course, refused since this could easily have been a scam. She told me " I'll mark it unable to verify '' and I asked what that meant and she hung up. I called back and told the next person I wanted to file a complaint. I was again hung up on/disconnected. I called again and eventually got someone who said he could help with a complaint but put me on hold and sent me to a debt collector for XXXX. I told that debt collector that I didn't think this debt was valid since I was on auto-pay and was told I'd pre-paid the last month when I terminated my service. He was rude and unnecessarily argumentative. He refused my valid request for a written bill. When I told him based on the evasive and unprofessional practices of his firm I would not give him payment information over the phone he was hostile and said " you gon na have to do some work, Sir. '' and hung up on me. I have yet to receive a written bill. I continue to receive numerous phone calls with no message. The company was rude, unprofessional, unnecessarily argumentative, and has harassed me with multiple calls with hang ups and refused to validate a disputed debt. They demanded I release personal protected information when I returned their call but wouldn't identify for what reason they were calling but also were sending text messages identifying themselves as debt collectors to an unverified number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: WA

Complaint narrative:
I paid off my loan on XX/XX/year> and was advised that if I paid, then my account will be settled and my reserve funds would be release to me. as of XX/XX/year>, I messaged in and ask why my account was not settled or why my reserve account not released to me. I was told that they would look into it and get back to me. I called on XX/XX/year> and they advised me that there was a glitch in the system and that the problem should be taken care of and someone will reach out to me by Friday, XX/XX/XXXX. I waited and no one called me and I called into customer service. The lady told me the same information and that there was nothing she can do to escalate my issue. She said that by Monday, XX/XX/XXXX, my account should be satisfied and my reserve funds should be release. She said that there shouldn't ben an issue with her company fixing the glitch. I told her to email me what she was saying for my records. This morning, Monday, XX/XX/XXXX, the issue was not resolved and I called back customer service. The agent told me that there was glitch and she doesn't know when it will get fixed. I told that I needed to have a supervisor call me back because they are not providing me any information. They were also telling me that there was nothing they can do. I told her this was bad practices for a company and that sounds like fraud of what they were doing. She said that a supervisor will be calling me, but has yet to call me. Today is day XXXX of when I paid my account, the account is not satisfied, and my money reserves are not release to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received an email and a text telling me I had opened a XXXX XXXX  account. I had never heard about self incXXXX let alone set up an account. Someone has stolen my identity and opened an account in my name. I called the only number listed and after providing my information the representative told me he canceled my account. I asked to speak to someone to find out what information the identity thief used to open an account. I wanted to know how this happened as I never verified an email or phone number. I wanted to know if someone needs to submit any type of photo identity to open an account. I wanted a letter stating that 1 ) The fraudulent account is not mine. 2 ) I am not liable for the account. 3 ) It was removed from my credit report. I asked to speak with someone who could help me and the customer service agent said he did not have any way to contact someone in the " back office ''. There was no email or phone number he could provide. All he could do was send a message and someone would get back to me within XXXX business days. I later received an email from XXXX. It stated " the account is valid and reporting correctly ''. The e-mail did not provide any way to follow up, no email and no phone number. I called again and went through the same process to try to talk to someone. Again I received an email that stated " we have completed the investigation and determined the account is valid and reporting correctly ''. Again there was no way to have a conversation with anyone from the bank. As it stands self continues to consider my account a valid account and they have shown no interest in recognizing the fraud occurred or helping me understand how it occured. They have also not shown any interest in helping me understand what information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX Transunion XXXX Account XXXX XXXX - XXXX  XXXX Account Holder XXXX XXXX XXXX XXXX XXXX XXXX Account Holder - XXXX XXXXXXXX XXXX - - Account Holder XXXX THESE ACCOUNTS DONT BELONG TO ME CREDIT BUREAUS FAIL TO VERIFY THESE ACCOUNTS I NEED THESE ACCOUNTS REMOVE OFF 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Holder XXXX XXXX XXXX XXXX XXXX XXXX Account Holder - XXXX XXXXXXXX XXXX - - Account Holder XXXX THESE ACCOUNTS DONT BELONG TO ME CREDIT BUREAUS FAIL TO VERIFY THESE ACCOUNTS I NEED THESE ACCOUNTS REMOVE OFF MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Chase Auto Loans in order to obtain the pay-off balance due and provide payment in full immediately and during the same banking session wherein I was provided with a total pay-off balance due of {$5600.00}, which would carry over and remain a valid amount due over the following 10-14 days. Thereafter, I received congratulatory letters of acknowledgement via XXXX, as well as a hard copy sent via USPS First Class Mail. Additionally, approximately 2-3 weeks thereafter, I received the original Title in the mail. On or about XX/XX/XXXX, I received a letter from Chase Auto informing me that my Auto loan was in arrears and needed my attention immediately. What ensued thereafter was nothing shy of ugly, argumentative, combative and non-resolute. Chase Auto 's contention is that I paid off MOST of the loan, shy of approximately {$40.00} when I paid a total amount of {$5600.00}, the amount I was given as the total payoff. I refuse to continue being extorted like this, " pay us XXXX XXXX XXXX  to satisfy your debt, or suffer the consequence. '' I am on XXXX and rely solely upon this monthly benefit to live on. Furthermore, I have been a Victim of Identity Theft, once in XXXX and the other in XXXX, which proved to be an exhaustive year long battles, both times, in order to finally set the record straight and ONLY because the disputed debt was determined to be too old in age to legally continue derogatory reporting upon. Common logic would dictate if my intent was to pay-off the loan in full, why would I choose to subtract {$40.00} from the total pay-off balance just to leave a rather high balance & obscene interest rates?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DPT ED/XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent is attempting to collect a debt not owed. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Money missing periodically, fees charges incorrectly and additional accounts opened unauthorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX closed my XXXX XXXX credit card for no reason, no advance notification.

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