vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: NY

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. 

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, 15 U.S.C 1681 Section 602 A States I have the right 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Kia Motors Finance overcharged me for excessive wear at the end of lease. I wrote them several letters and included quotes from repair shops which indicate the over charge. The threatened to report me to the Credit Bureaus and I sent them another letter restating my position. They finally came back with a reasonable settlement amount, which I paid according to the deadline they indicated on the letter and Kia Motors Finance went ahead and reported me delinquent to the Credit Reporting agencies. This was totally unfairly done and I still have this on my credit report. I would like this removed. Kia Motors Finance was found guilty in a court action of improper and unfair credit reporting practices, that I experienced.

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 2022-11-28 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: SC

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 XXXX XXXX XXXX. 
EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ACCT # ending in XXXX. No full number shows on the report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX XXXX XXXX  A states I have a right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am trying to close escrow on my mortgage, the lender for which is Mr. Cooper. I purchased my home in XX/XX/XXXX for {$470000.00}. The XXXX of XXXX re-assessed the property value of my house for tax purposes as {$520000.00} on XX/XX/XXXX, and I have documentation from them that states that my valuation is {$520000.00}. Because this is the city 's official valuation ( and is the basis for my taxes ), I believe it should suffice as the official valuation for my lender. My outstanding principal on my loan is {$420000.00}. The lender previously stated that I could provide the official letter from the city as proof of my valuation, and I intended to do that and make an additional payment of {$5600.00} to reach the XX/XX/XXXX principal to loan ratio to close escrow. However, when I called Mr. Cooper today they said that they would not accept the city 's valuation, and would require me to get a new appraisal by an appraiser of their choice, for which I would need to pay {$350.00}. Moreover, they said that the entire process would take months, during which time they will continue to escrow. I do not understand how it is fair that the lender will not accept the city 's valuation ( which informs my taxes ), and that they get to choose the appraiser, who will most likely value my house in line with what the lender wants ( which will likely be the {$470000.00} sale price from over 2 years ago ). Mr. Cooper is escrowing {$940.00} per month, so this is a significant financial issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NCB Management Services Inc.
State: MD

Complaint narrative:
Good afternoon, Ive previously disputed this debt XXXX with a letter and phone call. The reporting for this debt is wrong, date opened, last active to name a few. Please see attached credit report, the notes read previously furnished however the information is still incorrect. The fair debt collection practices act had been violated on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
in reference to claim / Complaint Number XXXX and the response Equifax gave to your company it is the opposite what still showing in my credit history with Equifax, the have told me the investigation is completed and the credit history has been updated, however in the documents attached still showing that the first delinquency was XX/XX/2022. 
The still have not fix my credit score number, still at XXXX after due to the error it when down over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TX

Complaint narrative:
Problem is with Equifax only... all other removed data that has been on credit report for more than 10 years. 

Filed XXXX disputes and phone call to Equifax ... keeps coming back that information is reported correctly and to contact source XXXX XXXX... which I did and they said it is up to Equifax to removed this account that is over 13 years old and should have been removed after 10 years. I filed another dispute with Equifax and still same XXXX response ... like its automated. Even mentioned on last dispute and phone call that I was going to file a complaint. 

Need my XXXX XXXX XXXX  accounts removed off my credit with them ... over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  is saying my account is a charge off. There was not 6 consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on 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 2022-11-28 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Portfolio Recovery-XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being disputedXXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have a business account with Truist. We'veTruis had this account since 1998. We received our statements on time but when we sat down and did the reconciliation in XXXX we discovered the bank deposited a check from myself as an individual to some bogus company and Truist withdrew {$1500.00} out of my business account. Very clearly a bank error or intentional on the part of the Bank teller. I don't even have a personal checking account. The check they cashed didn't even have my company name anywhere on it. The transaction took place XX/XX/XXXX. We received the statement that clearly shows the fraudulent activity towards the end of XXXX. We didn't sit down to reconcile as soon as we received the statement unfortunately, but we did catch it and made the complaint to the Truist fraud department in early XXXX. They are saying because there is more than 30 days from the time of the statement to the time we reported it they are rejecting the claim and we are just out the {$1500.00} from our business account. Again, I only have a business account with Truist and no personal. The check they cashed was a bogus check with my personal name on it, our business account number, and a signature line stating, " no signature required ''. They should have caught this within the 30 days if anything. We could have missed it reconciling but it is still their error.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Quick
State: SC

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME THEY WHERE PUT IN MY NAME UNDER FRAUD I NEVER OPEN ACCOUNT WITH XXXX XXXX PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY

Company response to consumer: Untimely response
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
identity theft, HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and trying to collect. 
I do not know who this company is I have not authorized any use of this information and they're causing defamation of character. 
This information is copyrighted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit reporting act XXXX  Account number XXXX has violated my rights Account name XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

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

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 2022-11-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit reporting act XXXX  Account number XXXX has violated my rights Account name XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I never took out this loan. I have been paying on it for years believing it was part of the federal loan, the digital master promissory note is dated two months before filled out by hand federal promissory note, and has vastly different references and other information. I was misled and defrauded by both Navient and Corinthian colleges at this point. Attached is a copy of the unsigned promissory note and the signed federal note. If you review the two one is signed and dated XX/XX/06 and is in pen and the other the one completed by someone other than me and is dated XX/XX/06 and is typed. Further more the private loan is two months before the federal loans, this doesnt make sense because I never even stepped foot on a XXXX college campus until XXXX. 
I have tried speaking with Navient but they refuse to acknowledge any misconduct or fraud. I receive several harassing phone calls from them weekly. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was contacted by someone claiming to be from the Wells Fargo fraud department. She attempted to verify some transactions that were not mine. I was sent a text code, also from the normal Wells Fargo number i get the 2 factor authentication from. I gave her the code. I believe she then was able to login to my account. She asked for my XXXX secure token id for some reason. I gave it to her but then immediately realized something wasn't right. I hung up the phone and called Wells Fargo immediately. While i was calling i got a notification that a wire went through. They told me on the phone that she wired money to XXXX XXXX XXXX XXXX and i didn't understand why they couldn't ' call them immediately and say 'do n't let this money leave '. They ( wells fargo ), did not seem in a hurry to do anything. They reset my username and pw for online access and told me i needed to go into the bank and close the account and open a new one, which i did the very next day. They have now denied my claim saying i'm responsible for all wires on my account regardless of whether i authorized them or not. This is crazy. I was also told in the bank that i would get the money back and now i'm told i want. This is absolute fraud, i did not authorize this wire and I was scammed.

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 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
myloancare.com website didn't have any information on requesting or how to do a loan payoff. I was out of the country and couldn't call them. Therefore I made extra principle payments due out the time with a final {$1.00} payment made to them on XX/XX/2022. However, they just hold up my {$1.00} payment and didn't apply it to my loan. So I made another {$1.00} payment on XX/XX/2022 and they still wouldn't apply it to my loan. On XX/XX/XXXX, XXXX they started to call my load delinquent and charged me late fees and interest. Then sent me several foreclosure notices. After I came back to the XXXX and called them on XX/XX/2022 about my account status. They not only didn't remedy the problem, they sent me another foreclosure notice and charged two more late fees with interest on XX/XX/2022 and XX/XX/2022. I called again on XX/XX/2022 and spoke to another account specialist and gotten a payoff statement with no payoff instruction at all and with all late fees added to it. I called again today still couldn't get the problem resolved. My bank had cancelled my credit card because they have report bad credit to the agencies when my account should have a negative balance.

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 2022-11-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been reaching out since XX/XX/2022 to fix my late payments on my credit report. Ive been told numerous times to dispute with credit agencies but XXXX XXXX keeps validating my late payments. They have yet to fix my concern. This is harming my ability to buy a house and keep good credit. They also lowered my credit limit along with other credit card companies who felt that I may be at risk due to the late payments reported by 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 explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank has closed all of my accounts ; however all of the accounts were opened in the last year. Would Synchrony Bank be willing to remove the following inquiries from my credit report as a couple of these accounts were opened in late XXXX ; but the accounts were all closed XXXX. I am making payments on all of these accounts ; however, can you please remove all of the inquiries within the past year from my account as these accounts are closed. 

Inquiry Date : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/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 explanation
Consumer complaint received 2022-11-28 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation