vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc

Complaint narrative:
I received an email from a company named, Hunter Warfield to establish debt on the XXXX of XXXXXXXX XXXX. The attached notice read, " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' I emailed them on XX/XX/year>, " Hello, I dispute all the debt you have emailed me. I do not owe anything to XXXX XXXXXXXX. 

Please send me all of the following documents to establish this is my debt : XXXX. Rental agreement signed by me. 
XXXX. All the email communications. 
XXXX. Audios of all the communication through call recordings. 
XXXX. Name of all the persons who dealt with me as per your contract. 
XXXX. My Social Security Number on your record and any document where I have provided my SSN to XXXX XXXXXXXX with my Signature on it. 

I would like to ask you to stop contacting me until I receive all the documents/audio recordings requested above. 

Thanks " I did not receive any reply from them after that. 

On XXXX XX/XX/year>, they sent me another email with notice attached saying, they are giving me 20 % and I could pay them {$9400.00}, instead of the full amount {$11000.00}. And today ( XXXX XX/XX/year> ) they reported it to a credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Dear XXXX, I received your response letter and thank you for sending that information. After reviewing the documents you sent me its clear that you dont have any documentation to show that I owe YOU or that YOU have the authority to collect from and I WILL NOT BE PAYING YOU! This proves nothing and if this account is not removed from my XXXX, XXXX, and XXXX XXXX reports expeditiously I will move for with my legal claim. This is your final notice that I will not be paying you for this debt as you have NEVER contracted with me and XXXXResurgent Receivables has no authority to collect anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PulteGroup, Inc.
State: NC

Complaint narrative:
Pulte Mortgage XX/XX/year> # 1 My house has NEVER been under CONTRACT, It went on the market on XX/XX/year> and as of today XX/XX/year>, it is still FOR SALE! 
Through XX/XX/year> I was a XXXX XXXX XXXX XXXX XXXX In charge, so I know what a Contract means. And if it was ( BUT NEVER WAS ) why dint you ask me for a copy of the CONTRACT, to see the sale price and closing date???. 
# 2 I found 3A it was filled out by YOU NOT me and on Page 5 where there was a place For a signature it was never filled in. The date on that paperwork is XX/XX/year>. ** # 3 The closing was set for XX/XX/XXXX at XXXXXXXX XXXX. On fri XX/XX/XXXX someone call and asked when our house was closing and I said it is still for sale, they said they would Get right back to me, late Monday the XXXX XXXX they called and said we need a Additional {$44.00} XXXX to close, the after noon XX/XX/XXXX they called and said it was not XXXX But XXXX, our son offered us a gift of XXXX. The morning of the closing you called and said We need another XXXX then 2 hours later you called back and said not XXXXXXXX XXXX but XXXX. Our Son pulled his gift offer and said Dad Something WRONG, Asking for a additional XXXX XXXX 36 Hours before closing.

# 4 Why did my XXXX XXXX person jump through hoops to insure that I could make 3 Years of payments, Ins, Taxes, Hoa and hold all that money in escrow, in My XXXX XXXX We did everything you asked for and at the last moment you ask for a additional XXXX XXXXXXXX, your people Talked about it like it was a {$110.00} dollars. 
Every time i conversation with Pulke I was asked for the last 4 of my social security # before talking to me, When asked for a copy of the recording where I was alleged to say my home was under contact They said they had now way to get the conversation to me????

# 5 Your company is at fault not me so please do the right thing and refund me the XXXX We lost on the deal and our mental condition after losing OUR dream home Thank You, XXXX XXXX XXXX XXXX PS you made a profit of {$26000.00} after we were FORCED to pull out. {$26000.00} - {$18000.00} Your new profit {$8.00}, XXXX after you REFUND us. DO THE RIGHT THING PLEASE

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 2024-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial services is taxing me on my disposition fee ( lease end, return of car ). XXXX  does now allow tax on disposition fees, but I was taxed on mine. I have contacted BMW Financial services and they have been adamant that XXXX  allows taxes on disposition fees and that " that's how they've always done it. '' I have attached my statement from BMW Financial.

Here is the XXXX website, stating californians can't be taxed on disposition fees : XXXX XXXX XXXX And here is the excerpt that shows XXXX doesnt tax on disposition fees : The " rentals '' subject to the tax include any payments required by the lease, including amounts paid for personal property taxes on the leased property, whether assessed directly against the lessee or against the lessor, but does not include amounts paid to the lessor for : ( A ) Collection costs, including attorney 's fees, court costs, repossession charges, and storage fees ; but tax does apply to any delinquent rental payments, including those collected by court action ; ( B ) Insuring, repairing or refurbishing the leased property following a default ; ( C ) Cost incurred in defending a court action or paying a tort judgment arising out of the lessee 's operation of the leased property, or any premiums paid on insurance policies covering such court actions or tort judgments ; ( D ) Cost incurred in disposing of the leased property at expiration or earlier termination of the lease ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-30 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate 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 2024-08-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Applied for School Misconduct Discharge in a clear case where All Federal Loans held from this school were discharged ( XXXX XXXX ). I was denied immediately without consideration because of my loan type. I currently hold a consolidation loan, which was simply 2 tuition answer loans I held from their predecessor Sallie Mae. Both loans were used for that school, I consolidated them immediately after attending school to simplify payments and to remove my grandmother as a cosigner on one of them, as to not burden her. The consolidation changed nothing, other than a higher interest rate they charged, and now am being denied a chance to move forward for no reason other than the name they assign to my loan. This is wildly suspect and malicious. I have already to date paid approx. $ XXXX on $ XXXX in loans and I still have 20 % of the original principal to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. I informed the company of this and they still closed my account.

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 2024-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law.

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My minimum amount due was the same as the balance on the card which was {$26.00} on my Victoria Secret credit card. I paid the bill on XX/XX/year>, it was due on XX/XX/year>. I believed I was paying the full amount. I clicked pay full amount, but they show that I paid {$24.00}. In order to do that, I would have had to select Other as my payment choice and enter {$24.00}, which was {$2.00} less than the minimum payment/full balance. While it is possible that I made that error, it seems unlikely, why would I intentionally short pay {$2.00}? 

I received a bill this month for {$30.00} which surprised me because I felt I paid in full. They charged me {$2.00} interest on the {$2.00} balance as well as a late fee of {$26.00} which was equal to the minimum payment due... all over a {$2.00} error. 

I called thinking it was no big deal and they would waive it, but no. It seems extrememly excessive to charge {$26.00} over a {$2.00} balance. I called and emailed the company and they replied that since I short paid, it was less than the minimum and they can charge that fee. I asked them how they came up with the amount and they have not answered. 

If I made a mistake and short paid, I'll accept that, but my complaint is that the late fee is excessive and upon a little bit of googling, it seems that credit cards can't charge more than {$8.00} as a late fee now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I was shocked this morning when I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I was stunned to find discrepancies out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts remained. This issue has left me feeling uneasy, and XXXX urgently requesting a thorough review of the documents I've provided so I can finally put this worry behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I was completely shocked to find inaccurate accounts on my credit report this morning, with no idea how they appeared. I regularly monitor my credit report, and this time I was stunned by the sudden discrepancies. I tried refreshing my browser, hoping it was a simple glitch, but nothing changed. This has left me feeling incredibly anxious, and I am pleading for a thorough review of the documents Ive provided so I can put an end to this nightmare.

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 2024-08-30 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief