vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
XX/XX/year> Mortgage Assistance request, financials was emailed to servicer. 
Servicer is not reviewing my request even though I have had a change with my finances. 
My debt has decreased, my Hazard insurance has decreased I have cheaper Homeowner Insurance. I am on XXXX I have sufficient income to pay my mortgage Please review my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I asked that my payment be no more than XXXX XXXX monthly ( which I was paying ) when All reality they put my payments at XXXX XXXX  monthly!!! like oh Nooooooo interest rate was 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Based on 15 USC 1681i ( a ) ( 1 ) ( A ), asserting that the information reported is inaccurate, incomplete, or unverifiable, which violates your rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OR

Complaint narrative:
Initial Contact : Date of initial contact : Mon, XX/XX/2024 Method : Email Summary : A detailed dispute was sent challenging the alleged debt of {$250.00} in move-out fees from an apartment purportedly inhabited five years ago. A request was made for the original lease agreement, move-out inspection report, photographs at move-out, the ledger of the account, and the Statement of Deposit Account ( SODA ). 

Agency 's Response : Date of response : Tues, XX/XX/2024 Method : Email ( with attached documents ) Summary : The collection agency provided a final account statement but did not include the requested photographs or a signed SODA. The account statement also lacked the necessary managerial signature, and the response fell short of the specific documentation demands outlined in the initial dispute. 

Follow-up Communication : Date of follow-up : Weds, XX/XX/2024 Method : Email Summary : A follow-up email was sent to the collection agency, reiterating the need for complete documentation as per the Fair Debt Collection Practices Act ( FDCPA ). The requirement for photographic evidence, a signed final account statement, and the SODA was emphasized. A deadline was given, after which further action, including filing complaints with the CFPB and FTC, was to be taken. 

Second Follow-up and Final Ultimatum : Date of second follow-up : Mon, XX/XX/2024 Method : Email Summary : After no response was received to the previous communication, a second follow-up email served as a final ultimatum. The agency was notified that without the requested documentation by the end of the day on Wednesday, XX/XX/XXXX, formal complaints with the CFPB and FTC would be filed. The agency was urged to take immediate action to comply with the requests or face further legal proceedings. 

Current Status : As of Thursday, XX/XX/2024, no adequate response has been received from ProCollect Incorporated. The documentation provided thus far does not meet the standards set by the FDCPA, and the claims made by the agency remain unsubstantiated. The final deadline given to the agency has passed, after which I am prepared to take the necessary steps to escalate the matter in defense of my consumer rights. 

Next Steps : In consequence of the agency 's unwillingness to cooperate or provide adequate documentation, the following actions will be initiated : 1. Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Filing a complaint with the Federal Trade Commission ( FTC ).

3. Exploring all legal avenues, including consultation with a consumer rights attorney.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX with Equifax. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation

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 2024-04-25 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several accounts listed contain inaccuracies regarding reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz Financial is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I reviewed my credit report yesterday and noticed an inquiry on my credit report that my credit score was lowered because of it. I have no idea why this happened as when I went to the dealership, I already had a pre-approval from XXXX XXXX which is who I financed my vehicle with. I did not request for Toyota to run my credit as I went to the dealership with every intent to use the pre-approval that I provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2024 I received money on cash app from my friend XXXX dollars I then sent a transfer of those funds to XXXX and the funds on XXXX were never received because I canceled the transfer while it was pending on XXXX end. I then tried calling the company to see where my funds were because I thought since that no money was deposited that it would go back to Cash App. I have not received any good response about my funds. XXXX blames Cash App and vise versa. Having to prove my transfer is a violation of my character and I have been put in a position of being the most upsetting time with each of these two companies. The transfer is being investigated all because I want my money. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I have written to this company on the following dates '' XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX '' about some erroneous information that appears on my credit report. However, their lack of response indicates that they do not consider this matter to be of sufficient importance. These negative items that should not even be on my credit report have caused me so much tension over the past few months, yet this company does not appear to be responding to my request, which is a violation of my consumer rights. Documentation is being gathered in its entirety as evidentiary support in anticipation of my legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-25 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-25 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I disputed this debt a year ago and sent them a debt validation letter requesting multiple documents to prove I owe this debt which I do not and was told by NCA they would temporarily cease collection activity and validate the account withing 30 days. I was told I would receive the validation in mail and have not. It has been a total of 9months, well over the 30 days to validate the account and the account has still not been validated, i have not received any documentation of original contract with signature, payment history or a detailed reconciliation of this account with a breakdown of fees, Proof of collection authorization in the state of Michigan as well as proof of debt assignment. I am requesting this to be removed immediately from all credit reports and to tender me {$1000.00} for violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I redeemed my money from XXXX to this Amex prepaid card. I've been trying to pay for XXXX or other purchases using this card but all are declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: TN

Complaint narrative:
My wallet was stolen a while ago and it contained all of my personal information which included my identification card and social security card. My credit has been misused so much and I have filed countless disputes which lead to nothing being resolved. Eventually I was forced to file Bankruptcy thinking it would come off my credit. Now I have a Bankruptcy to add to the fraudulent accounts on my credit. I even filed a claim with Equifax when my information was breached. My end result with that was nothing as well. I just want these fraudulent account deleted off of my credit. This is effecting myself so harshly. There is XXXX accounts from the same exact company. I've contacted them and filed a dispute with bureaus countless of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Essential Lending Inc
State: TX

Complaint narrative:
Received loan for {$300.00}, paid back off in 2 days after receiving loan in amount of {$390.00}. Loan contract stated : You may cancel this contract, without any penalty or obligation, within three days after the date the contract is signed. If you cancel, ANY PAYMENT MADE BY YOU under this contract will be returned within 10 days after the date of receipt by the credit services organization of your cancellation notice. Which is {$93.00}. I signed contract XX/XX/2024 XXXXXXXX XXXX. Received Loan on XX/XX/2024 XXXX, Paid loan off XX/XX/2024 XXXX. Not a full three days. Says To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or other written notice, to : Essential Lending, Inc. ( ELI ), attention General Counsel, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX not later than midnight XXXX XXXX  XX/XX/2024. I mailed and sent email. I talk to Rep, she said it should have been paid off on XX/XX/2024 which makes no since. we spoke on XX/XX/2024 around XXXX. I have Signed dated contract and receipt of pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
All time is in Pacific Time below. 
XX/XX/2024 Evening : I scheduled a transfer with amount XXXX $ from my bmo alto  account to my XXXX XXXX account. 
XX/XX/2024 Morning : This transaction was marked as fraud by bmo alto  and my transfer fund was returned. My account was freezed and I lost my access to online banking. 
XX/XX/2024 XXXX  : I called the customer service at bmo alto  and I was transferred to the fraud department. The representative at the fraud department asked me to send an email to them including my id and a proof that the XXXX XXXX account is mine. I was told if I was not able to send this email within 15 days, my account will be closed and my money will be forfeited. I was scared. 
XX/XX/2024 Evening : I sent an email to the fraud department. 
XX/XX/2024 Morning : I called the fraud department and they said they would conduct an investigation and it would take up to 30 days.

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