vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX have violated my rights. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX have violated my rights.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts # XXXX, # XXXX # XXXX, # XXXX # XXXX have violated my rights.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I already paid my bill and I couldnt see what I owed and my balance is XXXX at this timex Please check it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We are a Non-profit foundation for cultural/spiritual work, I have paid a company for Publishing services, 10 articles and XXXX publishing XXXX they published 2 articles and then ignored my Calles and communications. They never did anything about rest of the articles and never published our XXXX page. 
I tried to dispute the charge. Capital one credit card said they claimed they published 4 articles and finished the job and they closed the case. The service is not done, wasted the time and then said the time for dispute is over. I have lost the money and time and Capital One is working in the service of scammers instead of customers. I talked to their representative and submitted the documents they needed. The day after they sent me a letter requesting the same documents. I already uploaded the documents by the link their specialist had provided. 
Now they are saying you didn't respond to our letter we closed the case. The money is gone, the work is not done, Scammers got the hard earned money. The Capitol One Bank is a supporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
Attached is the XXXX XXXX Homeowners Policy Renewal, Union Home Mortgage Corp is the lender servicer of record. The escrow account has more than enough to cover this payment. Thus, the total one year premium payment due is {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-18 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: SC

Complaint narrative:
Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX SC XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

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 2022-04-18 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: LA

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

XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, Account Number XXXX has violated my rights.

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Name of Contact : XXXX XXXX Description XXXX On XX/XX/XXXX I alerted my sister, XXXX XXXX XXXX that I was sending two checks to her SC residence : A {$500.00} check payable to my mother, XXXX XXXX XXXX and a {$2000.00} check payable to our family church, XXXX XXXX XXXX XXXX XXXX ( My mother lives with my sister. ) My sister was supposed to deposit the {$500.00} check into my mother 's account at Bank of America and give the other ( {$2000.00} ) check to the Church as an offering. Instead, on XX/XX/XXXX, she mistakenly had my mother sign the back of the check made payable to the church, and made a mobile deposit of the {$2000.00} check into my mother 's account. The mobile deposit was labeled as a {$500.00} deposit. The first thing that BOA did was to credit my mother 's account for the full {$2000.00}, apparently before they realized that there was a difference between the name of the payee and the signature on the back of the check. 

My sister recognized her error the next day ( on XX/XX/XXXX ) and telephoned BOA ; she was told that the error would be automatically corrected. She called again on XX/XX/XXXX because the funds were still in my mother 's account, during that call she was told to give the check to the church and that they would be able to negotiate it. I did not learn of tis issue until midXXXX XXXX. 

It was not until XX/XX/XXXX that my sister received two letters from BOA indicating that a total of {$2000.00} had been retrieved from my mother 's account. In the meantime, after the Church deposited the physical check with XXXX XXXX XXXX  in XXXX, SC, they received a notice that the check was rejected due to " duplicate processing. '' To date the money has not been returned to my account. A BOA representative told me that the only way they could return the funds to my account would be for me to open a dispute and then they would debit my mother 's account. Obviously I do not want to move this problem to my elderly mother 's shoulders. 

My sister and I have had two telephone conversations ( jointly ) with BOA representatives, and I have had several additional conversations, receiving varying advice. On my last call a Bank of America representative told me that XXXX XXXXXXXX XXXX  was the last one to touch the check and that the Church should re-deposit the check. 

I am filing a complaint because today I learned that a Church official met with the manager of the XXXX XXXXXXXX XXXX ( at XXXX XXXX XXXX, XXXX, SC XXXX ) and was told that XXXX does not keep checks for more than 30 days and so can not re-deposit it. 

BOA is saying there is nothing they can do and XXXX XXXX is saying that it is a Bank of America problem.

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 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: VT

Complaint narrative:
Company reposed vehicle would not allow any financial loan repayment plan. Did not disclose where the vehicle was taken at time of repossessed never allowed to regain belongings and was only able to locate vehicle when notified it was be up up for auction in Connecticut residential registration address is Vermont creditor has misreported this collection amount as a charge of for full amount of total loan then opened another 3 party debt collection agency to report same debt in the collection amount for the debt amount owed which is never confirmed or verified via noticed of vechicle sold at auction and amount received for payment of vehicle when sold at auction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
I have been working with a mortgage company for 1 week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for 30 minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XXXX XXXX, I needed a new hot water heater and was under the impression I was getting a loan, not a credit card. The invoice I received from the company does not state that I agreed to a credit card or what the payments are, however the invoice does state that there's a 9.99 % APR ( which is what I agreed to ) On XXXX XXXX, I received a credit card agreement from Wells Fargo. The agreement states that my APR is 28.99 % -which is not what I agreed to-and doesn't list out the 'special terms and apr ' period is.

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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: FL

Complaint narrative:
This debt collector is attempting to collect an alleged debt that is now time barred from credit reporting or a lawsuit, thus, they purchased it for a few pennies on the dollar. By way of this complaint, the business can cease and desist text messaging, US Mail letters or any other communication tactics. Further, the business should not be forwarding this another " friend in the business ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: OK

Complaint narrative:
Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXXXX XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, XXXX acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my Experian Credit Report as a balance owed ( Please refer to the attached Experian Screen shot of my credit report. XXXX XXXX has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and Experian disputing the inaccurate paid debt, which neither has taken action.

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 2022-04-18 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: NC

Complaint narrative:
inaccurate information is being reported on my credit report with Equifax XXXX XXXX on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on XXXX shows XXXX - Acct # reporting on Equifax XXXX both inaccurate and do not match. XXXX reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. Equifax XXXX XXXX continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX of XXXX i paid ontime and equifax reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX of XXXX all the way to XXXX of XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by Equifax & XXXX XXXX this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but Equifax & XXXX reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.Experian is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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. 

List account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation