vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  ACCOUNT # XXXX, open date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My deceased son has an outstanding loan with Amerihome mortgage company. On XX/XX/XXXX I sent the death certificate of borrower. XX/XX/XXXX faxed court assigned administrative papers from probate. XX/XX/XXXX faxed administrative papers again because they did not have. XXXXspoke to research person who would call me and we could proceed with payoff amount. No call. I called XX/XX/XXXX. XXXX said they had papers but they needed ID. TOLD TO FAX MY drivers license. After received it could take up to 5 days to process. Contract for sale of house was on XXXX XXXXthus not enough time. 

This timeline leaves out the hours I spent daily going up the chain of authority to get answers..on XX/XX/XXXX, I spent 6 hours, talking, questioning, trying to get the process moving faster to meet deadline of XXXX. Could not get payoff! Then they needed my drivers license. After I faxed it it would take another few days to process before getting payoff. they said they had to have drivers license for federal reasons. Administrative paper was state. When I asked to talk to someone over an XXXX persons head, he sent me to XXXX. I did not hear his name at first and asked his name. He repeated XXXX, how may I help you. Then, he could not hear me, but I could hear him. I hung up. There was no call back. Nice prank! 

It was an exhausting experience. Each call, I might talk with anywhere from 4-8 people. Each time they did not have info, send me again, oh yes I have it but now you need this, and me just asking for payoff so we could continue on timed signing on sale of house. For some reason, they did not want to get their money. 

Twice I asked for someone above the executive mediator and the XXXX person. Told we would get a call back and never received one. NO ONE CARES IN THIS COMPANY! The person handling the closing tried also the first time. That is why I got involved. She said usually when you ask for payoff, they give it. Done within 30 minutes and one phone call. THEY WANT THEIR MONEY! 

I could never put down on paper how terrible this experience has been!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I asked for proof this debt belong to me, and they didnt not furnish such proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been receiving a paper statement fee of {$1.00} per month. This fee is excessive in relation to all of the other fees that the credit card company earns.

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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings XXXX Today is XX/XX/2024 I received your Verify Accurate for the Accounts on my Consumer Credit Report. I requested DOCUMENTS from each COMPANY and they DID NOT SUPPLIED PROOF OF PURCHASE AGREEMENT.

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 2024-11-22 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: GA

Complaint narrative:
Greetings XXXX Today is XX/XX/2024 I received your Verify Accurate for the Accounts on my Consumer Credit Report. I requested DOCUMENTS from each COMPANY and they DID NOT SUPPLIED PROOF OF PURCHASE AGREEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
they changed my pin and password to my account and refuse to give me money. i call, they laugh in my face, then they hang up.

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 2024-11-22 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt.

Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account XXXXtatus : Reported as charged-off with a balance of {$340.00}.

Issue : I have not received a 1099-C form from this creditor for the cancelled debt. According to the IRS guidelines, a 1099-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address.

Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address.

2. Syncb / Care Credit ( Account Ending in ... 9680 ) Account Status : Reported as charged-off with a balance of {$1300.00}.

Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form.

Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No 1099-C form has been issued for the canceled debt, which violates IRS regulations .

Request : I request confirmation that a 1099-C form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required 1099-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the 1099-C form was issued for this debt or request that the creditor issue the form immediately.

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 2024-11-22 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt. Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$340.00}. 
Issue : I have not received a XXXX-C form from this creditor for the cancelled debt. According to the IRS guidelines, a XXXX-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address. 
Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address. 

XXXX. XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$1300.00}. 
Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form. 
Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No XXXX form has been issued for the canceled debt, which violates IRS regulations XXXX 
Request : I request confirmation that a XXXX form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required XXXX-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the XXXX-C form was issued for this debt or request that the creditor issue the form immediately.

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 2024-11-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested a custom video using an item that purchased for the content creator. The video was to be 5 minutes long. The creator said the item would cost {$50.00}, and the video for 5 minutes {$150.00}. I sent the payment in the form of a tip after confirming the above. A couple weeks later, creator posts the video, but is only less than 15 seconds. I asked about our agreement and creator said she needed more money before another longer video could be made. I mentioned this violated our agreement, but she continued to ask for more money. I have attached screenshots of our conversation with the payment amounts and the agreed upon details.

I attempted to chargeback with my credit card company. They opened an investigation, but ultmately denied my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 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: College Ave Student Loan Servicing, LLC
State: NJ

Complaint narrative:
I am writing to request the removal of an unauthorized hard inquiry conducted by XXXX XXXX XXXX XXXX XXXX credit report dated XX/XX/year>. This inquiry was made without my authorization or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

Under the FCRA, creditors must have express consent or a legitimate purpose to access a consumer 's credit report. I did not apply for credit or XXXX XXXX XXXX XXXX XXXX XXXX this inquiry. As a result, this action has negatively affected my credit profile and constitutes a violation of my rights. 

I respectfully request that XXXX XXXX XXXX remove this inquiry from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX. Please provide confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made the decision to install solar on my home. XXXX XXXX did the install and were the processor of the application as well as the documents relating to the loan. Apart of the loan is the ability to apply the XXXX XXXX XXXX to the loan with in an appropriate period of time relating to the completion of the project. The installer and financial institution have the incorrect dates with the finished install as well do not want to abide by what their contract states as completed. This lack of proper processing and factual information not only cause the installer to be paid before they job was complete. I was required to start paying for the loan before I should have, I also am being denied my ability to have my re amortization of the loan as is in my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had purchased furniture from XXXX XXXX home store with TD bank in summer oXXXX XXXX  and I was offered is 0 % interest if paid in full in 2 years. The store told me " no hidden fees or extra fees '' but i was charged multiple fees including interest charge even if i made full payment in 6 months. Even if i brought up this issue they were not interested in resolving the issue and i ended up paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MoneyLion Inc.
State: MI

Complaint narrative:
Money Lion reported a late payment on my credit report Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given money lion permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: LEXISNEXIS
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: VA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXX to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Charges were made to my debit card after it, along with my phone, was stolen from my vehicle. They drained my bank account, and as soon as I noticed the unauthorized transactions, I contacted Sofi Bank. The thieves had significant access to my accounts because they had my phone, which was logged into my accounts, as well as my debit card. The transactions occurred on XX/XX/XXXX and XXXX. The digital signature matched because they used my phone, the same device I normally use for purchases. Additionally, the account had been open for only one day before this happened. The total transactions in dispute are {$3300.00}. XXXX said they completed their investigation of less than 24 hours. I also inquired if a police report was needed or necessary and they did not provide any information or guidance to indicate it would be required to approve a dispute if so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX i deposited an IRS refund check. On XX/XX/XXXX i received an email from the bank telling me that after reviewing your check deposit activity on XXXX for my account ending in XXXX, the availability of {$13000.00} has been delayed until XXXX. 
Two months from the date of deposit! This is a clear violation of federal reserves law that state : XXXX XXXX XXXX, banks must follow the Federal Reserve guidelines for determining how long to hold checks. As mentioned above, banks can only hold checks for a reasonable period of time, as defined by XXXX XXXX. 

Since it was deposited in person they cant hold it longer than 5 days.

Company response to consumer: Closed with explanation