vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX falsely claimed I didn't cancel the auto policy. I cancelled the auto policy. On top of that, I already paid in full. In addition, Credit Collection services never contacted me on the phone of address. Even admitting they never called me. They also, admitted they send this false collection to the wrong address. I have a recording if them admitting to both. This should be deleted off my credit report or I will take legal action against both companies for financial harm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, 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 a account without my written instructions I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-06-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, 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 a account without my written instructions I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are Experian : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.

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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights. 

U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The mailing address information was changed on my account without my request. I contacted customer service several times and was advised that they received a power of attorney to change my mailing address. I spoke to a supervisor and requested a copy of the power of attorney letter they received and was told it would be mailed to me, however, I just received a letter without the proof that was used to change the address. Everyone including the supervisor is saying the same but they have not provided me with any documentation they received. I feel that some fraud is going on and this is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Text message than phone call from XXXX Needed to send money to reverse zelle non authorized payment. Said they worked in XXXX bank fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: MD

Complaint narrative:
XXXX XXXX and XXXX XXXX, Essex Mortgage, Loan # XXXX, I am writing on behalf of my mother XXXX XXXX I handle all of her affairs. The property XXXX XXXX was acquired on XX/XX/2021, with a mortgage amount of {$1300.00}. I have been making the payments before the due date since purchasing the home. In XX/XX/2021, we received a letter from Essex Mortgage stating that they could not reach the insurance company that we used to purchase the home the letter informed us that if they did not receive the information they would purchase a second homeowner 's insurance policy if they did not receive it. I reached out to the same company they could not reach on XX/XX/2021 ( I have email proof ), and was emailed the entire insurance packet. Their letter stated to upload the documents to their insurance website which I did. I also spoke to someone regarding the situation. A few months later I was going through the escrow account and saw where they decided to take my money and purchase second insurance because they didn't have the time to verify it so they decided to put her in financial hardship. Once I noticed this I immediately got on the phone and called them. I spent 1 hour of my work time trying to do their job and get in contact with the insurance company which we did, and which brings us to another issue from the decision they decided to make. My mortgage for the month of XXXX is {$1800.00} which I found out by trying to make my regular payment of XXXX which I can afford to pay. I called them again today, and I was told the refund from the insurance payment came in late which is affecting XXXX 's payment. I asked them to correct the payment because we should not be having this issue in the first place had everyone done their job. I do mines by sending on-time monthly payments it's their job to disburse the funds correctly and timely. They want me to make a payment I do not owe to them and should not owe them. They owe me for the year headache I have had with them. This is not my first mortgage I had one for 19 years prior to this. I'm asking them tofix my payment accordingly so that I wont be late or end up in foreclosure do to know fault of my own, please not that I have the regular payment today of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: LA

Complaint narrative:
all typed in previous report see complaint XXXX Equifax has vilolated the FCRA in reference to my credit profile.

in violation of FCRA 15 USC 1681 section 602 A 15USC section 604A section 2states that a consumer reporting agancy can not furnish an account without permission of the consumer, other vilations the company failed to provide any documentation regarding any of the disputes they had multiple data breeches, offered free reporting, and possible monetary compansation, never recieved companies listed wrong dates, incorrct balances no dates of last activity, all erronous information. Public Recoirds, Hospital bill which is a HIPPA violation XXXX date open XXXX XXXX XXXX XXXX ( 5 ) or more outdated all inaccurate information bankruptcy XXXX bankrutptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXXXXXX XXXX  XXXX I also contacted the United State Courts in which Equifax and other companies stated this information was provided, The United States courts do not send, mail or deliever any information on consumers to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
On or about XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dealer # XXXX a representative of Mercedes-Benz was assigned to extend credit to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, took willful and knowing adverse action on XX/XX/2022 denying me the RIGHT ( credit ) by not making available my consumer credit under my open-end consumer credit plan available to me for personal use to purchase a XXXX XXXXXXXX Stock No XXXX as advertised. I provided the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and Business Manager, XXXX XXXX the requirements and procedures under the Federal Laws of Truth In Lending and Equal Credit Opportunity Act under 12 CFR part 1002.2 and 12 CFR part 1026. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ignored the opportunity to remedy the adverse action which they are in willful and knowing violation by denying me my right pursuant to 12 CFR part 1002.2 ( c ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their employees, agents, successors or assigns have ignored all of my notices regarding this consumer credit transaction. I will move forward to Arbitrate by the Federal Arbitration Act under 12 CFR part 1040 if they continue to discriminate against me. Please see attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Entered into a forbearance around XXXX 2022 and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX FICO score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - Equifax, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX credit score. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a Bank of America credit card that was reported lost/ stolen sometime in XXXX. The original account was closed and replace with a new one at time which the representative assured me no further charges would go through the old card. To my surprise, on XX/XX/XXXX, a charge of {$540.00} was put through my old card by XXXX XXXX XXXX. I tried to contact the merchant multiple times but their system doesn't show any record of the purchase nor anyway to cancel the purchase. I contacted Bank of America the next day trying to close my account completely, but the representative, XXXX from Maine, reassured me multiple times that this " pending charge '' from XXXX would not go through. As a result, I believed her and did not close my account. A week later, on XXXX, a discovered that the charge has gone through and I have been lied to. So my question for Bank of America is : how did a purchase gone through a closed account? Why this wasn't flagged as potential fraud. I think this is a potential violation of Electronic Fund Transfer Act and Regulation E. CFPB took action against another bank in XXXX for similar reasons that closed accounts were reopened without explicit authorization from the client, allowing recurring charges to go through ( regardless whether they were fraudulent ). I ask the CFPB to investigate BofA 's practices and take similar action.

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 2022-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: West Coast Servicing, Inc.
State: GA

Complaint narrative:
Someone took out a fraudulent loan against my property in XXXX of XXXX {$5400.00}. The loan was never repaid so a lien was placed against my property. The original company XXXX XXXX has gone out of business. Since then West Coast has picked up the debt attaching their name on to my title. I addressed this years ago during the purchase of my home. At the time, the 3 credit bureaus removed this from my credit. I thought this was resolved, until i placed the home for sale. The closing attorney notified me. I have been in contact with XXXX asking for documents. The only thing they sent was the demand letters, and the contract from XXXX that was singed fraudulently. All but one of the documents provided where mailed to XXXX XXXX XXXX, which I moved from in XXXX. They know that I am in the process of selling the property so they have requested a payment of {$26000.00}. I offered them {$3000.00} just to move on with the sale of my property. XXXX is not trying to work with me. I have filed a police report as they instructed. Now they are asking for me to share with them my HUD closing documents. I feel i am being exploited. I have spoken with so many different agencies regarding this. Everyone is giving me the same advice, " This should be removed '', but no one is enforcing it. My home sale is due to close on XX/XX/XXXX. I can not move forward with this pending. PLEASE HELP ME. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian blocked information as requested and closed my dispute in my favor. But now one of the accounts in question has been reinserted. I need this information removed again.

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 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In 2018 my roommates at the time took my credit card, and charged it resulting in the current charges. I had contacted XXXX XXXX to dispute and they said they were handling it from there. At the time I was still making payments on the card but then stopped once they said it was being taken care of. These charges ARE NOT mine and I had assumed everything was handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.

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