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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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.

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 non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
want to settle this civil lawsuit with this organization case # XXXX XXXX XXXX XXXX XXXX see attachment create a fraudulent mortgage loan and now trying to create another one without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Leaders Financial Company
State: NJ

Complaint narrative:
I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XXXX is already on my credit and I keep duplicating and keep sending me things through the mail about the same account already on my account is this against the law can this be removed thank you

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 when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I went into my CareCredit account to pay off my bill, through Synchrony Bank. They took {$1400.00} twice. I immediately contacted them on XXXX and they said they will just hold the second {$1400.00} as credit. I said absolutely not. I am requesting immediate refund of that money. After a lengthy call, they claimed they could not refund me for 10-15 business days. Despite my objection, they claimed that was all they could do. I called today and they claim they are still working on it and it will be another 10-15 days. 
Absolutely unacceptable. What can I do? Thats a lot of money.

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: CA

Complaint narrative:
Please Delete these Hard Inquiries as I did not authorized them : 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account # XXXX Ive sent Kohls/ CAP One a letter on XX/XX/2023 via certified mail and it was returned ( Insufficient Address ) ( XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. Please see supporting documents enclosed. 
My repeated attempts in order to have this deleted off my credit report have been wasted. I was forced to send this letter certified in order to prove that Kohls/CAP One is being deceptive by 1 : By putting the wrong address on my credit report in order to prevent me from disputing it via mail that displays KOHLS/CAP ONE using deceptive practices. They only want to call me on the phone. Ive advised that all communications will have to be by mail. I have yet to receive any communications. Ive pulled my credit report in an attempt to get their address in order to have this debt removed from my credit report and everything has been sent back. Please see the attachments Ive attach to prove that.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This inaccurate reporting was going on since 2018. This was vacated by court order and I am not responsible for this account. Why is it still showing on my account? Please remove accordingly per court order. You have an obligation to remove invalid information and you need to comply especially an court order.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuses to remove negative information even after I sent them a signed Identity Theft Report by law enforcement. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX. They are saying the information was verified by Address Identification number XXXX but that address Identification number isn't on my credit report. They sent me a generic email stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received by XXXX XXXX on XX/XX/XXXX. The mail receipt and return receipt are attached. 

These are the accounts in question. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Transform Credit Inc.
State: CA

Complaint narrative:
12 cfr 1002.4 I applied for credit and I was denied for reasons of discrimination credit worthiness number two is 12 hjr192 it says credit is are right we have unlimited credit the government pays our debts why am I one being denied for credit when its my God-given right and number two why are they discriminating on me because of credit worthiness a grant nobody should be denied credit because we have an endless surplus of credit I will sue and I will win if I dont get this resolved quick my goal is to sue and I will sue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan-Infiniti excessively charged me when lease was up. I had two offers to sell the car before lease ended and they made it hard for anyone to buy the car. The car was valued at more that what was owed at end of lease. I tried turning in the car several times after they made it hard to sell, but ran into several road blocks. They had placed a code on the account to were I could not turn the car in or sell it to a dealership. They reported me with late payments that are incorrect. They charged me {$10000.00} at the end of lease and reporting the erroneous amount to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I mailed my IRS payment check of {$2000.00} from my office which is located at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, FL. XXXX on XX/XX/. The check was cashed on XX/XX/. I didn't realize it wasn't cashed by the IRS until I received a notice from them they hadn't received it. Looking into it at my bank, Regions Bank, the check was stolen and cashed by an individual of XXXX XXXX XXXX. I made a police report with the XXXX of XXXX XXXX XXXX police report with officer XXXX XXXX and the case number is # XXXX. It's been over 90 days now and Regions hasn't refunded my {$2000.00} and have had no written correspondence on this matter. I have called on numerous accounts and keep getting the run around. The person at the bank I made the compliant with is XXXX XXXX ( XXXX ) XXXX. I refuses to give me his manager and any additional person to talk to to get this resolved. I've been more than patient and can't even get a response. I believe there is something fishy going on her and would like to get some help. I have additional accounts with them and I'm nervous about my other funds.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.

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: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I need my title and fees owed after paying off with wells fargo

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

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 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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.

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 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by Equifax. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXXXXXX   ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. 

I am now having the same problem currently trying to get my credit report from Equifax. Upon calling them this time ( XX/XX/XXXXXXXX  ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX XXXX XXXX XXXXXXXX. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to XXXX XXXX XXXX member services ( XX/XX/XXXXXXXX   ), and was told to call Equifax because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.

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: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America credit card and I pay the balance in full each month. I also have the credit card linked to a Bank of America checking to direct pay it each month on time. The Bank of America checking never auto payed the Bank of America credit card. This is something I dont need to initiate, its generated a payment on its own. I called them to ask to reverse the {$25.00} late fee and it was declined. When I asked what caused auto payment to be delayed, they could not explain why?

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My escrow analysis has typically been performed every XXXX. My mortgage company, Regions, is claiming they did a company wide escrow analysis in XXXX which caused mortgage payments to increase based on a projected amount that can't be confirmed or changed until XXXX XXXX. The escorw analyis was done 6 months earlier than it should have been and is increasing payment based on a projected amount that is not accurate. My escorw is not currently negative and will not be negative when the normal analysis is due in XXXX. Further, I have made extra payments into escorw each month to insure the escorw is not negative. 

The mortgage company is basically increasing payments to guarentee people go into default to force them into loan modifications at the current interest rate. There is no reason to increase payments before the escorw analysis is due, especially when, after the analysis was done early, the escrow is not negative. 

The mortgage company also told me that if I continue to pay the old mortgage payments they will put me into default, although interest and principal will be paid and it is still adding to the surplus already in my escorw.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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