vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
XXXX, 2024 we began the process of a cash back refinance with a VA loan. using XXXX XXXX Bank, XXXX Oklahoma. Our loan officer was XXXX XXXX. After preapproval the application process began. 
On XX/XX/XXXX an e-mail from XXXX stating we had conditional approval. XX/XX/XXXX My wife and I were called into a meeting with XXXX and turned over our abstract, and the loan papers for the VA loan was in progress. The next day I was instructed to pay {$700.00} for an appraisal fee, and I had to use a credit card. I complied. However, this was an undisclosed financial obligation. 
On XX/XX/year> XXXX mail from XXXX stating the VA loan would not work for cash back and ordered a different appraisal for a conventual loan. Our intent was for a VA loan. 
On XX/XX/year> XXXX informed us that only appraised for {$130000.00}. I informed XXXX that our home according to XXXX XXXX is worth {$200000.00}. I find this to be questionable business. We requested our abstract back and i was informed that the bank has sent it off to a XXXX XXXX. we had not signed any papers or contracts for the XXXX work to begin. 
Our abstract is currently at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cost of returning my abstract is {$600.00} plus {$1300.00} for lawyer fees. 
I am requesting my abstract to be returned without fees from First United Bank XXXX Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I actually dont want an explanation. I am getting XXXX with credit card companies as Im a hard working individual who payed all payments through a pandemic and these companies are screwing me and its messing up my credit I have built my whole life to the point I dont want to pay my credit card bills anymore. I make sure my balances owed are a certain percentage below the limit to maintain a good credit score. This credit card lowered my available balance which dropped my credit score XXXX points. 
I want it back to where it was how can someone mess with my credit like that. Im done being taken advantage of and seriously not paying the companies that are XXXX me when I have never XXXX them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
This account was charged off as a collection on the following date XX/XX/XXXX but is being reported as a sold account XX/XX/XXXX to XXXX XXXX XXXX. It is also reported on my report that the account was in good standings on active payments from dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This account status is also reporting to be XXXX which is also inaccurate and a violation. This account was also reported to both XXXX and XXXX, which both have already been dismissed and removed from my report due to inaccurate information. According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to MERCEDES-BENZ FINANCIAL SERVICES . I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.

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 2024-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I transferred funds into my Marcus account from XXXX financial institutions to complete an indirect IRA transfer, I waited until the Marcus webpage indicated that the funds were " available for use '' and then initiated a transfer at the new IRA XXXX to pull the funds from my Marcus account, I received two calls from Marcus and I verified the recent transactions in my Marcus account. I was shocked to get a call that Marcus would not honor the full amount of the funds pulled to complete the indirect IRA transfer despite the full amount showing as " available to use ''. When I spoke to a supervisor on the phone, she was unable to tell me when the full funds would be available to transfer out to complete the indirect IRA transfer, I was told that the availability date was up to their discretion. The funds that were not available to complete the transaction were from a transfer that was initiated on XX/XX/XXXX and shown to be available on XX/XX/XXXX. I initiated the fund transfer request from the new IRA XXXX  on XX/XX/XXXX. 

I requested to speak to her supervisor but was told that there was nobody for her to transfer me to satisfy my request. 

I have been a Marcus customer since XXXX. I am very disappointed in Marcus ' inability to give me concrete answers to the availability of my funds despite their system indicating that my funds were " available for use ''. I will suffer damages for the failed transfer to complete the IRA indirect transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit 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: IN

Complaint narrative:
Capital One QuickSilver card refuses to honor a chargeback where services weren't rendered. We booked a hotel that advertised a city-view ( and showed the pictures of an outlook facing a city from a high floor ) and were given a second-floor view that faced garbage cans, a tree, and an alley. The hotel, XXXX XXXX, in XXXX, XXXX, confirms this. 

I contacted QuickSilver, which asked for more information. When I provided it, they reply within minutes, notifying me of a rejected dispute. It's clear that they are not even viewing the info., merely siding with the merchant. I have provided everything they have asked for. The only receipt I have from the company is the receipt sent to me by booking.com. The hotel issued a small piece of paper written in XXXX as a receipt. I submitted this as well, and they are not acknowledging any of this. I am disputing the XXXX dollars and I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inquiries were not initiated by me and I have significant concerns about their legitimacy. I urge you to conduct a detailed investigation and swiftly delete them from my credit report.

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 2024-03-14 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: KY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-14 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: VA

Complaint narrative:
Its XXXX things on my credit report that needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX These things have brought my credit score down. I need them removed asap.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XX/XX/XXXX : Requested discontinuation of private mortgage insurance ; submitted lender 's required forms and payment XX/XX/XXXX : Reported that lender had taken no action XX/XX/XXXX : After contact from CFPB, lender admitted they had kept and cashed requested payment but lost request form ; form resubmitted XX/XX/XXXX : Lender approved discontinuation of private mortgage insurance but did not drop it ; upon request for information, lender responded that it was a complicated thing to do and would take more time. 
XX/XX/XXXX : Still no action from lender to discontinue private mortgage insurance It has now been almost XXXX months that I have been trying to work this through with NewRez. I have contacted them by phone, email, and chat, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit, Inc.
State: SD

Complaint narrative:
On XX/XX/2024 attempted to get a mortgage loan through XXXXXXXX XXXX XXXX and was denied due to a old collection account that is slated to fall off my credit reports this year or already has been removed. 
Advantage Credit a credit Reporting Service was the company responsible and i firmly believe its credit information isn't up to date with the other XXXX major credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
Genesis credit management bought my debt from XXXX XXXX apartment complex. The bill they charged me for was the wrong unit. On the bill they sent me they stated apartment  XXXX. I lived in XXXX and have both the bill and lease to show it. They also charged for fees that were not disclosed in the lease as well. I tried to tell them that and have them submit a correct bill but they sold it to a debt collection company instead. I talked with the collection agency over the phone and explained it to them and they said I was good and to disregard the bill and then contributed to put it on my collections and damage my credit. FOR THE WRONG APARTMENT THAT WAS NEVER LEASED TO ME. I have attached both the bill they sent me in my email stating XXXX and my lease for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: KY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized collection activities by Southwest Credit Systems concerning a fraudulent account attributed to me due to identity theft. Below are the pertinent details of my case : Incident Date : The unauthorized collection account was discovered on my credit report on XX/XX/2024. It relates to an alleged debt of {$820.00}, associated with an address in Texas, XXXX, which I have never resided at nor authorized any credit transactions from. 
Action Taken : Upon discovery, I immediately contacted Southwest Credit Systems to inform them that the account was opened fraudulently under my name. I provided them with a detailed account of the situation, including the official police report and the identity theft report numbers, as evidence substantiating my claim of fraud and identity theft. 
Current Situation : Despite my efforts to resolve this issue amicably by providing ample evidence of the account 's fraudulent nature, Southwest Credit Systems has continued their attempts to collect this debt. This persistence occurs in spite of clear documentation and reports provided to them, indicating that the account was opened under fraudulent circumstances. 
Impact : This unwarranted collection activity has not only caused me significant stress and XXXX  but has also adversely affected my credit score, potentially impacting my ability to obtain credit, employment, housing, and other necessities. The refusal of Southwest Credit Systems to acknowledge the fraudulent nature of the account and their continuous collection attempts are both distressing and unjust. 
Given the seriousness of this matter and the clear evidence of identity theft, I urge the Consumer Financial Protection Bureau to take immediate action. I seek your assistance in investigating this complaint against Southwest Credit Systems, ensuring the fraudulent account is removed from my credit report, and stopping further unauthorized collection attempts on this account. 
I am prepared to provide any further information or documentation as required to assist in this matter. Your prompt attention to and resolution of this issue would be greatly appreciated. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation