vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit report states my account was properly investigated but How is that if The address that XXXX XXXX is reporting is incorrect I never live at this address shown on the The original contract XXXX XXXX XXXX XXXX Fl XXXX I requested from the creditor a copy of the Explanation of Calculation of Surplus or Deficiency this letter was sent out on XX/XX/XXXX How could I have received this Letter if I never stayed at the above address I am attaching documents Shows my address where I was living at the time that this letter was sent out i was currently staying in a XXXX abuse shelter Address is XXXX XXXX XXXX XXXX where I was staying at the time of this letter I have a copy of the letter that the Shelter provide for me for verification purposes up until that time I moved into my own place Address is XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX my move in date was XX/XX/XXXX I have attached my rental charge payment ledger to show the date I moved in This place the dates and Address do not match what the creditor is Reporting on my credit report Explanation of Calculation of Surplus Deficiency states I live at XXXX XXXX XXXX XXXX Fl XXXX this is not true or accurate ive already submitted a dispute on the accuracy of the Debt I owe is inaccurate two on my Explanation of Calculation of Surplus or Deficiency it shows a balance of XXXX The creditor reporting a balance that shows on my credit report is XXXX Is not accurate I am attaching documents showing the accuracy of my address And the Balance thats being reported Is not accurate This guards for removal they also violated my rights Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions Also the credit bureau to more than 30 days to complete my investigation

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

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

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years. 


XXXX XXXX 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 explanation
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

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

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted equifax on XX/XX/23 about some personal information that wsnt mine and needed to be removed to make my report accurate. I have not received any information in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
the collection agency has engaged in false and misleading practices, violating FDCPA 807, and provided misleading forms, violating FDCPA 812

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
My credit report shows a Capitol One credit card with me as an authorized user. At not point did I open, or add myself to this credit account. The balance is {$8800.00}, with a credit limit of {$15000.00}. The card was opened XX/XX/XXXX. The last payment was made in XX/XX/XXXX. The next payment is {$120.00}. The first 6 numbers of the card are, XXXX. I need to be removed from this card as an authorized user, as it is not a true reflection of my debt, and is negatively effecting my credit availability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: PA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-21 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: NC

Complaint narrative:
Im the only one that can verify or validate anything my credit report. I was never contacted in writing.

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 2023-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I need urgent assistance. I was approved for XXXX from the XXXX  HAF program after being approved for a combo mortgage modification in XX/XX/2023. I received approval modification documents from carrington mortgage that I had to accept, notarized and return back to carrington mortgage. According to my modification documents I had to make my first trial payment by XX/XX/2023. I called to make my payment on XX/XX/2023 and was told by carrington that my modification was canceled. I received the letter in the mail the same day. I was instructed by Carrington Mortgage to resubmit another modification application because according to them my monthly payment would decrease after they received the XXXX. I questioned why I would have to resubmit a second mortgage application when I was already approved and they carrington was already aware of my XXXX HAF approval. 

Carrington cancelled my mortgage modification on XX/XX/2023 the next day after receiving the XXXX which did not make me whole and the reason why I still needed the modification to address the past due arrears and XXXX escrow balances. 

I send a couple of follow up emails requesting a status check and to make sure I would not have to resubmit another application since I submitted a second HAF application for additional funds. On XX/XX/2023. I was told by carrington that the reason they denied me was because of the XXXX  HAF terms and guidelines could not be met and they informed me that they returned the XXXX back to HAF. I dont know why they would return the money and put me back in a worst position than I was in before resubmitting the second application. I dont know what to do. 

Carrington denied my second mortgage modification application and I provided the exact same information that landed me the first approval. I received an email from HAF stating I could apply for additional funds XXXX and I submitted a second HAF application which was denied because Carrington denied the second modification that they instructed me to submit to lower my payments.

They filed for foreclosure on my home. I resubmitted a third modification application with carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I received a letter from Bank of America dated XX/XX/2023 asking for my details to be verified and updated, and that I had until XX/XX/2023 to provide this information. The document was faxed into BofA on XX/XX/2023. 

A further letter from Bank of America dated XX/XX/2023 simply stated all my accounts with BofA would be closed. No explanation was provided. I received a separate letter from Merrill Lynch stating the same thing, my account was being closed and no details were provided why. 

I called Bank of America on XX/XX/2023 and spoke with XXXX. She said she was not obligated to provide a reason for closing my account. Bank of America did not want to serve 'my banking needs '. I asked to speak with a supervisor, XXXX, who essentially stated the same thing.

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 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
XXXX XXXX. I was unable to pay the total amount, so was forced to finance it. When the servicing company told me they used only Goodleap as the finance company. Knowing something of their, uh, sharp business practices, I immediately started to obtain a HELOC. The HELOC money became available the day after the installation was completed. The same day, I called Goodleap ( XX/XX/XXXX ) to request to pay off the loan. They informed me that a pay off amount was not yet available, but that interest charges already were accruing. Between XX/XX/XXXX and XX/XX/XXXX, I was charged over {$41.00} in interest that I had NO WAY TO AVOID, as they would not provide me with a payoff amount. Charging interest without providing a customer with any hope of avoiding it seems unethical. Other Financial Services companies I have dealt with in the past did not operate like this. Goodleap says they have no early payoff penalty, but it seems to me that {$41.00} IS a penalty.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
EXETER FINANCE CORP is the worst company I ever financed a car from in my life. I was involved in a 75 % life threatening accident that was cause by the other partys who is at fault for the accident. I was hospitalized and fractured my XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX also my left XXXX  was dislocated. I was in serious pain and have to conduct a XXXX  procedure. I informed the insurance company about this matter and also the finance company THE SITUATION. After informing the finance company they breached my contract without knowledge with a letter saying my car has been repossessed. I never been late on a payment and the car was at the impound for 24 days the insurance was trying to get the vehicle but couldnt retrieve it because the finance company repossessed the vehicle. Now causing my XXXX XXXX to drop dramatically over XXXX points. I will file an additional lawsuit for {$1000.00} for ever point my scores was dropped due to this matter. I will file additional complaints for in the amount of {$75000.00} for pain and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: HI

Complaint narrative:
RE : Credit Corp Solutions Around XXXX XXXX, I became aware that crucial information about my identity was stolen and used for fraudulent financial transactions, leading to a case of identity theft. 

The information included : - Full name - Social Security number - Current address ( at the time ) On XX/XX/XXXX, I was contacted by a representative of Credit Corp Solutions and informed of a fraudulent transaction via XXXX. I informed the agent about my identity theft case, and they let me know that I could send the police report and any additional information either by mail or via email to XXXX. Directly after this call, I sent an email to XXXX with the subject line Ref # : XXXX XXXX on XX/XX/XXXX, XXXX. 

Now, I have been contacted again in XX/XX/XXXX by another representative at Credit Corp Solutions, who explained they did not receive my information and the dispute was deemed invalid. This agent explained that Credit Corp Solutions has attempted to contact me 54 times for an invalid debt, despite my previous explanations and supporting evidence. 

No matter what information I tell or provide them, they are insistent on spamming me with calls, the agents are aggressively trying to get me to pay an invalid debt, and they do not listen to my explanations in good faith, resorting to hanging up or transferring me to other members when I explain my circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/, I opened a new gold american express credit card cause I saw offer of XXXX bonus points if I spend {$4000.00} in first 3 months. I got approved but they said I won't get bonus points, I was so confused. When I received the card, I called A/X to verify if I will receive the bonus points as they advertised on XXXX or not. The lady ( A/X representative ) firmly confirmed that I surely will get the bonus points. When I completed spending {$4000.00} I called them to get the bonus points, they said I won't get it, they also said will check the recording if the rep confirmed that or not. Couple weeks later, I called in & checked about my bonus points again. They confirmed the lady offered me XXXX bonus points on the phone by checking the recording, they said it as a mistake & I won't get any bonus points. They mislead information when offer me bonus points, I should had cancel the card at the beginning if they told me I won't get any bonus points, I have been charged {$250.00} membership fee for nothing due to their mislead information. 
conclusion : I need XXXX bonus points deposit to my account asap as they promised when I opened the new card which was offered & confirmed by their representative when I called in, it was recorded in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I wrote to Capital one regarding information in my XXXX report that I had three late payments. Case Number XXXX. Capital One Credit Bureau Resolutions reviewed my account and on XX/XX/2023 sent me a letter showing that I have no late payments. 

I would like XXXX to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reached out to Experian in XX/XX/XXXXXXXX  and tried again XX/XX/XXXX. They are refusing to remove inquiries I did not approve of.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Over the past six months I have experienced a series of transaction reversals initiated by my bank which have had a profoundly negative impact on my financial stability. These reversals have affected my ability to meet essential financial obligations, specific financial obligations such as rent/mortgage payments, utility bills, etc. and have caused immense stress and inconvenience in my life.

I understand that transaction reversals may be necessary in cases of fraud or unauthorized transactions, and I appreciate the banks commitment to protecting its customers. However, in my situation, these reversals should not be happening because the company didnt have permission to charge my card. The company forged my signature on documentation. I have provided all documentation requested by my bank including a police report. I trusted this bank to protect my money instead they are making it easy for me to be a victim of fraud without securing my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation