vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
equifax said i need to present the names of what im disputing so here they are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX im protesting these because i need to see signature or firm offer of credit from these i took off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX the rest i need proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to equifax with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXXXXXXX-XXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
This will now be my 2nd complaint, as I had sent a complaint on XX/XX/22 and was then given a date when funds would be applied to my account. I have called mortgage company again on XX/XX/22 with no explanation on when the funds would be applied and was told at that time that a late fee would not be applied as it was noted on my account HAF payment was pending and they have my award letter that was emailed to them by me. Last month payment in the amount of XXXX was applied on XX/XX/22. This month nothing has been posted as of yet and a late fee was applied on XX/XX/22. HAF says check was mailed out and Im waiting on XXXX to post. Payment was also mailed out to my electric company and that was posted on XX/XX/22 with no issue. Not sure why no one can tell me when this will be applied. I am very concerned at this point because it seems I will have to file a complaint every month for payment to be applied timely to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
My home was in foreclosure process XX/XX/2022. I applied for XXXX Assistance XXXX ( XXXX ) and was in loss mitigation stage ; the XXXX was it was accepted XX/XX/2022. At this time, I was told the foreclosure process would cease due to being in the loss mitigation stage. The home went to sale XX/XX/2022, and I was unable to fully exercise my right to loss mitigation. I contacted the servicer, Planet Home Lending, and told the home had went to sell. I spoke with the XXXX of foreclosure prevention department and she explained there was nothing they could do on their end to reverse the sale because it already went through and that I needed to contact the courts to exercise my redemption rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to XXXX with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am reaching out to the CFBP because I believe I have been unfairly taken advantage of on what I believed was a fair deal on a pay to own item promoted which included a " 90-Day Satisfaction Guarantee Buy Option '' from XXXX. On XX/XX/2022 I reached out to XXXX customer support and spoke with a XXXX to pay off my balance ( {$630.00} ) since my first payment was completed on XX/XX/2022 for {$110.00}. I was told the finance department was in a meeting a they would call back, however I never received a call. I reached back again to XXXX on XX/XX/2022 and spoke with XXXX ( www.montereyfinancial.com ) who advised mypayoff was XXXX XXXX and this was due to my 30 grace period ending. I advised of my contract " see attached '' I had a 90 Satisfaction to pay off a different amount of XXXX and I already made a payment off XXXX. I have forwarded my contract to their support XXXX XXXX XXXX however never received a call back. I have since made my payment to the amount I believed owed {$610.00} in good faith. Although I worry this is an unfair tactic to misdirect customers. I am hopeful this gets resolved quickly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a fraud claim with CapitalOne on XX/XX/2022, for one of my CapitalOne Venture One credit cards. The card was being used without my permission. It was a big number, somewhere around {$15000.00} I have two credit cards with the same credit card number but different expiration dates and CVC code on the back of the cards. I lost one ( card 1 ) of the cards but still have another one ( card 2 ) with me. I reported card 1 lost and stolen and told them the charges were not made by me. CapitalOne investigated the card and told me the claim was denied because card 1 's chip was used and if I have the card then the transactions were not fraudulent but the chip was being used on card 1 I lost, not card 2 which is in my possession. I know that for a fact the chip was used on card 1 and not card 2. They won't give me any other information or even give me a chance to appeal the decision. If they want to deny my claim based on the chip theory then I would like to see some evidence to show me Card 2 was used. They can easily look at the expiration dates and CVC code to figure out if it's card 1 or 2 that was being used. I really need help with this one. I called in again the second time and the representative was actually being really helpful and realized I was right so he gave me back all of the money on the account. A few days later, those credits were reversed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive noticed unusual activity revolving around my credit file and as a living human being, I have rights under the. 
15 USC 1681, Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) This inquiry was placed yesterday when I have a credit lock on my credit and I didnt authorize this. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) XX/XX/20XXXX XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX - XXXX XXXX- ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: IL

Complaint narrative:
RentDebt Automative Collections is not Licensed in the state of Illinois to collect any debt. I have asked the company to provide their License to collect in Illinois, and they have not yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXXXXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX  DATE 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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX DATE 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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MS

Complaint narrative:
I had a fraudulent transaction come out of my Netspend bank account on XX/XX/XXXX from XXXX, the amount was XXXX i immediately called my bank and tried to dispute the transaction but they took no action. I spoke with a supervisor on that date along with a representative with the bank. After an hour on the phone they claimed their was a dispute placed. They also claimed that on Monday the charge would be reversed and I would have access to those funds. 

Today is XX/XX/XXXX and we still do not have those funds. I called again today and tried to repeat the dispute and was told XXXX was never filed that Friday. They placed a dispute today and said it could take 10 days before any action happens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX, I received emails from Bank of America stating that an account was opening in my name. This was not something I had done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America sent me a letter saying someone opened up a credit card from them with the last four numbers XXXX or XXXX in my name, I had an old credit card with them last four numbers years ago and have since closed that account. Bank Of America sent me a letter with the name of the indivisible and sent me some papers to fill out, I guess hes taking cash from the card with a balance of XXXX and sending money to people, no money has come out of my account and I informed my bank about it. I hope you will report this to Credit Bureau and I told Bank Of America that I want this indivisible prosecuted to the fullest extent, thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: VA

Complaint narrative:
First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. 

Hunter Warfield has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for XXXX XXXX for XXXX paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. 

I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. 

The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have reachead out to Experian on several attempts to removed incorrect information on my credit report, and i have also send written letters with my correct information for them to correct the problem and no action has been taken, I was told to call the company thats reporting my information. I have have also reached out to the company and they don't have any exsisting accounts for me. So I'm confuse as to why they are reporting incorrect accounts and addresses, also my name.

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