vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
THESE INACCURATE REMARKS ARE NEVER FOR ME AS I WAS NEVER LATE IN PAYMENT. PLEASE HELP ME UPDATE THESE.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo is harassing me about a missed payment on credit card debt that is not even mine. This is despite a pending complaint against them.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My account was closed on XX/XX/year> with no notice, and no cause. Account was current, and paid per the terms and conditions of the account. Capital One elected to cash out my points at the best value for them, and not give me a chance to use points I had legitimately earned through use of the card, which is deceptive giving me just long enough to earn the bonus, pay the fee, and then cancel the card. 

I had approximately XXXX points in the account at time of closure, and they liquidated them for approximately {$530.00}, as a cash credit, when I had numerous travel charges they could have been redeemed against at a higher value.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the erroneous information that your company has reported on my credit file. As someone who understands the intricacies of consumer law and credit reporting, I can confidently assert that the inaccuracies in your reporting violate multiple federal regulations. 

Legal Violations Identified : 1.Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This section mandates the complete and accurate communication of information by debt collectors. Your failure to provide accurate information is not just a simple oversight but a clear breach of this regulation.

2.Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This law requires debt collectors to validate and communicate debt information clearly and comprehensively. The data you provided lacks the necessary clarity and accuracy, resulting in substantial confusion and misrepresentation on my credit report.

3.Violation of 12 CFR 1006.34 ( d ) : This regulation requires that written notice of debt be sent within five days of initial communication. I have yet to receive any such notice that meets these legal standards, further compounding the issues with your reporting.

4.Violation of 15 USC 1661-s 2 ( 7 ) ( a ) : Under this federal statute, all information furnished to credit bureaus must be accurate and current. Your companys failure to update or correct the misinformation constitutes a serious violation of my rights under this law. 

In light of these infractions, I demand the immediate removal of the inaccurate information from all three major credit reporting agenciesEquifax, XXXX, and XXXX. I also request written confirmation that this information has been deleted and that no further reporting will be made unless it fully complies with all applicable laws. 

Please be advised that if this matter is not resolved within 30 days, I am prepared to escalate the situation by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year> I left my Apartment at XXXX XXXX XXXX XXXX 
before leaving, I insisted on scheduling a move-out inspection with the property manager, XXXX. After multiple failed attempts to schedule, I was provided with a move-out document stating the charges in case any repairs were necessary. 

On XX/XX/XXXX I received an invoice for XXXX ( After the deposit was deducted ) I noticed that I was charged twice for utilities and about 6x more on paint than what was stated in their document. 
Ive contacted XXXX XXXX XXXX  multiple times via email and physically going to their office with no response. 
I kept following up and never received a response to my emails. 
On XX/XX/XXXX I was contacted by a debt collector ( Genesis ), threatening to ruin my credit and being very manipulating and aggressive thats my problem the numbers are not right I Asked for his mailing address to send documentation and he refused. 

I have requested multiple times for a physical mailing address to send documents and they refuse to provide such an address. I sent an email to the debt collection company requesting the invoices for the repairs ( not the general vineyard invoice ) and their mailing address to send documents regarding my case. 

Never received a response by email and over the phone. they kept talking very aggressive and threat my credit theyre not willing to provide a mailing address or invoices. 

They kept harassing With scary threats and were not willing to get to the bottom of the problem and resolve it. 

I am more than willing to pay what I owe. I've also contacted the property management company ( XXXX ) but they're not willing to have any communication about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
15 US code 6802/ this has been violated. My account information should not be shared with 3rd party companies for my protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I had fraudulent activity on my cashapp account. I disputed the transactions and closed my account at the same time. Cash app sent me an email stating the dispute had been resolved and the money was returned to my cash app accountbut my account had already been closed. So where is the {$400.00} that shouldve been sent to me? I contacted cash app who told me they have no clue where it wouldve gone, but maybe my states unclaimed money would get it eventually for me to claim it. I would like the {$400.00} sent to me in a way that I can access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I transferred money using my Chime account to what I thought to be a landlord renting an apartment I sent XXXX separate payments of {$600.00} each one for a security deposit and a second for the XXXX months rent waited for the person to show up at the apartment to sign the lease and get the keys only to have then not show and then not answer text or phone calls. Reported it to the police and immediately called Chime only for them to tell me, I had to request the individuals return the money and wait XXXX  days after the XXXX  day period when they did not return the money. I called Chime again only to have them rudely tell me that there was nothing they could do about it because they treated it like a cash transaction and that I should have been more careful in whom I send money to in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: KS

Complaint narrative:
Claim I owe on a payday loan from 10+ years ago in XXXX The collection agency is XXXX  ( XXXX ) XXXX and have this number calling me multiple times a day ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: WV

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
XX/XX/XXXX. I received a balance due of XXXX because of fees and a partial payment due. I had called them to let them know I can not make XXXX payments in a month and moved the payment to align with my paychecks. I received a notice that a payment is due on XX/XX/XXXX in the amount of XXXX and XXXX more scheduled payments for XX/XX/XXXX and XXXX they have taken over XXXX in fees for a XXXX loan and then has added more fees so the loan will not come down even with my payments. I have asked for monthly payments and they refused.. I can not make XXXX to XXXX payments to them when I get paid XXXX  a month..they refuse to work with me or give me a fee document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I submitted PSLF paperwork for a job I held as an XXXX XXXX  in an XXXX XXXX setting. I worked in that setting for XXXX XXXX as I was repaying my student loans back. When I submitted my emploment verification, I was horrified to learn that none of my years of paying loans would count at that particular school because the company that ran the school was a for profit company. 
We have been fed this story that charter schools are public schools for years. They serve the same populations of students and their families as the more traditional public schools and yet none of my loan payments qualify for forgiveness. 
I think this was a huge oversight on the part of lawmakers. many XXXX XXXXmployees with no say so in the number of charter schools we have in the community will be financially crushed because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-07 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: Special Financing Company, LLC
State: CA

Complaint narrative:
In XXXX I signed up for a 3rd party marking service for my small business. They promise a certain performance result but require that you pay their fee upfront. They suggest using a specialized financing company if you can not pay their fee, to finance it with this company. They offered me their phone number to engage, while waiting on the other line for me to complete. I engaged this loan company entered into an agreement over the phone to make payments and they paid this marketing company 's fee. About 2 months in I realized the marketing company to be fraudulent, and not abiding by their end of the deal. I asked for a refund and they refused. I then contacted the finance company and asked to cancel, and they refused. So now I am on the hook to pay on a fee, without option to cancel or stop payment without damaging my credit due to a fraudulent marketing company and their scammy finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX contacted mortgage servicer, Rocket Mortgage LLC, for a request to remove PMI. Rocket Mortgage was not transparent with PMI removal requirements. After attempt to remove PMI as outlined in initial contract as well as servicer site, Rocket was unable to provide rationale for why PMI could not be removed despite reaching a LTV of 77.35 % in XX/XX/XXXX. Additionally, Rocket account indicated that PMI would be automatically removed XX/XX/XXXX at 78 % LTV. This is also not correct after following up with XXXX XXXX  on XX/XX/XXXX for additional information. 

During contact with XXXX XXXX they provided more details on this requirement and was not sure why the servicer was not transparent with this information. The requirement for a loan within 2-5 years is 75 % LTV which Rocket Mortgage did not communicate, did not have indicated on our account or clarify after contact. Instead they requested we receive an appraisal at an additional cost to manage PMI removal. 

This practice and lack of transparency is quite concerning as information on removal of PMI should be clear and not contradictory between the servicer and XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE INACCURATE REMARKS ARE NEVER FOR ME AS I WAS NEVER LATE IN PAYMENT. PLEASE HELP ME UPDATE THESE.

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 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
dispute an account reported by- LVNV FUNDING LLC {$1500.00} on my XXXX  credit report. I am not liable for this debt and have no contractual agreement with XXXX XXXX XXXX. This account is inaccurate and should be removed from my credit report immediately.Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), you are required to investigate and correct any inaccuracies within XXXX days. Additionally, 18 U.S.C. 8 defines obligations and fraudulent activities involving financial documents, which may  apply to this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I borrowed {$360.00} from Sunset finance in XXXX Georgia for a personal loan where I put up some personal items as collateral and have found myself XXXX and unable to pay back. The rest of the loan have paid them like {$200.00} so far and somehow I still owe them close to {$600.00} and they have been harassing me nonstop calling like every day About this loan and I have spoke with them and they know I am XXXX and can not pay this back right now. It seems like all they wan na do is harass me. This is been going on for months they called people on my personal references to have them, call me and tell me that they were going to come out with the sheriff to repossess the personal property that were collateral for the loan, and I told them that they can go ahead and do that because I have no way of paying back that loan. They have yet to do it they had me come in once to refinance the loan they have threatened me many times to take legal action, always saying they are about to sue me when they have yet to do so, and it has become harassment at this point. They even called me today, asking me to sell personal property that is not collateral to the loan in order to pay the loan. At this point, I dont care what they do. I have no way of paying this but the calling from different phone numbers all the time needs to stop. But they are always like now asking me to come into their office so they can try to bully me and harass 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 explanation
Consumer complaint received 2024-08-07 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with explanation