vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XX/XX/XXXX Ref : I need to get I need the Lien Release Letter To Whom It May Concern : On XX/XX/XXXX, ( see attached documents ) I paid the car loan with account number XXXX for the XXXX XXXX XXXX. 
I HAVE NOT OBTAINED THE TITLE FOR MY CAR. I try to call the phone number but it is impossible. I update my address in the Banking information has been updated since XXXX in my banking profile and in the TX Motor Vehicle.

To get the copy of my car title, I need the lien release letter which should be sent to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Thank you XXXX XXXX XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX Cell : XXXX XXXX XX/XX/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 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My loan was originally with XXXX XXXX XXXX  ( XXXX ) and was transferred to PHH Mortgage Services effective on XXXX XX/XX/XXXX. I have had 2 main issues with the loan since it was transferred.

1 ) I made a payment to XXXX on XX/XX/XXXX in the loan payment amount of {$1400.00}. This payment was transferred to XXXX on XX/XX/XXXX and was acknowledged by XXXX. The payment was not credited to my account properly. I have since been making regular monthly payments on time but XXXX has recorded them as late and assessed a late fee on everey payment made since XX/XX/XXXX. 
2 ) There was an escrow account established by XXXX effective on XXXX XX/XX/XXXX with an initial balance owed of {$890.00} for what was determined as a " Forced Hazard Insurance ''. Escrow payments were rolled into my monthly motgage payment and payments made regularly. My property tax and hazard insurance are direct billed to me. When PHH received the loan, they have made a payment to my property tax out of cycle and have now assumed that there is an escrow shortage and assessed up towards {$500.00} of additional monthly payments which are not necessary. I have requested that this escrow account be closed immediately and the remaining balance can be paid by me outside of my loan. 

I have had numerous telephone conversations but each time that I call I ask for a manager and I never get to speak to someone who has the knowledge or authority to assist with clearing up these mistakes. I have received calls but most of the time, they go to voicemail and when I return the call, it ends up being transferred between lower level call center personnel and I never get to speak to someone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-04 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Negative inquiries on my credit report and makes it impossible to obtain loans

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: CA

Complaint narrative:
This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to nor MONEYLION INC . I refuse to pay a debt, I do not owe. I also do not wish to contract with MONEYLION INC . This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX  and XXXX. This debt company negligence has caused me to seek medical attention

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
My social security number was in many data breach and have been found on dark web as well. My name and information have been in a number of data breaches. I have been telling collection for years that was not me but they still hassle me. The debt that was mines I paid in a settlement and what is mines am making payment on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXXXXXX XXXX  Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/year> Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Dear Bank of America and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible.

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 2024-09-04 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt by such agency of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is very worrying, it's causing me XXXX. Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score and possible identity theft. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-04 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SG and Associates
State: FL

Complaint narrative:
Subject : Immediate Cease and Desist Request for Inaccurate Credit Reporting Dear STAFFORD GROUP AND ASSOC I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : LATE PAYMENT OR UNPAID COLLECTION This account is inaccurately reported as a delinquent account, which is not accurate This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :

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 2024-09-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: MI

Complaint narrative:
Checking my XXXX and XXXX credit reports today, I saw a collection from " Vance and Huffman LLC '' that was placed on my credit report on XX/XX/year> according to their own listed information. I have saved screenshots to prove this. Not only do I not have any knowledge of this alleged debt, but I have never received the initial notice REQUIRED under the FDCPA under 15 U.S. Code 1692g. Companies are REQUIRED to send notice within XXXX  days of initial contact and this has been on my credit report according the collector since XX/XX/XXXX. I have checked all my email categories and I've lived at the same address for almost XXXX  years so there's no issues with postal mail. This has caused XXXX XXXX and difficulties with employment. I had no way to seek validation of the debt nor even any notice of this alleged debt. I went through all XXXX complaints on the database against this company and see that this is their standard mode of business. I am shocked and feel deceived by this company. I am aware I can file a lawsuit and seek not only attorney fees, but also non-economic damages according to many courts and even punitive damages. This needs to be removed from my credit immediately. Such activity is contrary to federal law and abuses consumers who are trying to rebuild their lives. Please sanction this company who continues to do this to unknowing consumers as is evidenced by the countless complaints against this company on the CFPB database.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CICA Collection Agency, Inc.
State: PR

Complaint narrative:
CICA Collection Agency, INC illegally without lisence of debt collector on XXXX XXXX. Fraudulently this agency are trying to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-04 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: NY

Complaint narrative:
Please remove these fraudulent credit inquiries from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove these fraudulent credit inquiries from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX I went to a XXXX XXXX XXXX XXXX XXXX drive-thru ATM to withdraw {$60.00} from my Navy Federal Credit Union account ( compatible ATM that doesnt charge a fee ), my transaction could not be completed due Host Disconnected. I notified the XXXX XXXX manager. They stated contact your financial institute to solve the issue. I called Navy Fed services they mention it was a pending transaction and the money should not be pulled from the account. My account shows on XX/XX/XXXX the {$60.00} was withdrew from my account so I submitted via Emessage to Navy Fed- my receipt from the ATM on XXXX XXXX showing proof that my transaction was not completed. They reimbursed me a temporary {$60.00}, and stated it was under investigation. Fast forward to XX/XX/XXXX I received a letter stating there was no billing error occurred, therefore I would be charged the {$60.00}. On XX/XX/XXXX Navy Fed withdrew the {$60.00}, so I request the documentation that was used in the decision so I can submit an appeal. On that document that was provided from XXXX XXXX ATM History it states Host Disconnected never showed/proofed I received the {$60.00} ( however it does show a {$190.00} balance so Im not sure if other clients had the same issue ). I submitted additional Emessage via Navy Fed with the documents that I wanted to appeal the case again or further clarification. They responded they are unable to continue to pursue the merchant on your behalf via the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief