vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2023-02-15 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by TD Card Services against my credit. I have not recently or ever applied for a TD Bank Credit Card.

This was only an inquiry and it does not appear that the credit card was approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
i filed for bankruptcy on XX/XX/2022 and the company was made aware away of this. They decided to charge my account 6 month later. they issued me a reference number XXXX. they have yet to issue my money back to my account. and have the numerous emails saying they would issue the money back but have not.

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 2023-02-15 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: MI

Complaint narrative:
Equifax is refusing to remove this unverified account by the name of XXXX XXXX, from my credit report. As reported and I demand for swift action on Equifax part. Additionally, this compliant also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, EQUIFAX is in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that they did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan. This Auto loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that EQUIFAX do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that EQUIFAX included in your consumer reports that you prepare concerning me. EQUIFAX Your prompt attention to this important matter is requested to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This company repeatedly calls me and family members. The debt is well over 10 years old. Collection agency hangs up on me when I try to ask for verification dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Report act, 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
My town changed its property tax due date frequency from four times a year to two times a year. As a result, Carrington mortgage doubled my monthly property tax withdrawal when no change was necessary.

Ive spoken to Carrington Mortgage three times about this issue since XX/XX/23 when they first overcharged me. In all conversations Carrington Mortgage acknowledged their mistake and promised to adjust the monthly mortgage payments accordingly. As of XX/XX/23, nothing has been done to correct their mistake. Additionally, I have confirmed with the XXXX of XXXX XXXX that my taxes have not changed. 
I am concerned Carrington mortgage has every intention of overcharging me again on XX/XX/23. I am requesting that Carrington Mortgage adjust my mortgage payments back to the original amount and refund the excessive withdrawal made on XX/XX/23 plus interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I called the company once and due to financial hardship I did not get in contact with them to make payment arrangements. Without a car I will lose my job and as a result of delinquent rent payments I am currently being evicted. Their online payment portal is down and I am unable to retrieve my account/loan number to conduct any business. 

My name is XXXX XXXX I own a 2014 XXXX XXXX My payment amount is {$400.00} My address is XXXX XXXX XXXX XXXX, Ohio 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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/23 my bank card and phone were stolen. 11 purchases were made by someone ( not myself ). I IMMEDIATELY reported my card stolen and disputed the charges within the 2 days spelled out in cash apps terms of service. I should have been liable for nothing.

However, within 48 hours my dispute was denied. They claim I am entitled to documentation used to determine their dispute denial. It has now been weeks and weeks of requesting and cash app has provided me with NO documentation.

They respond to my complaints with no details about how they determined this " not theft '' and promises that I can request documentation, however they ignore every single request for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NJ

Complaint narrative:
I am ready to sue Equifax. I have been back and forth with them since XX/XX/2021 about multiple things on my report that should not be there. One of the main being a bankruptcy reporting. I have sent tons of letters and proof from the court they do not give the bureaus this information and they keep " verifying '' it. Now I'm just completely floored at the lying they do and got a consultation at a workshop I went to from a lawyer who seems to think I have a case for damages. I have every single response from them claiming they " verified '' something and they didn't. I even asked multiple times for them to tell me how they verified something and they sent the same response. This is my last attempt this bankruptcy and these other negative things are reporting UNLAWFULLY and I've had it. This has kept me from buying a house and Equifax just thinks they can ruin people 's reputation. If it is not resolved NOW I will be retaining that attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SENTE MORTGAGE
State: TX

Complaint narrative:
Sente Mortgage provided a notice of required flood insurance to a newly assed flood zoned property. The letter was not mailed out in a timely fashion and I received it on XXXX XXXX On that date I called my insurer and added flood coverage, which had a required wait period before its start date. My policy start date was XXXX XXXX Sente purchased and then charged me for an insurance policy for XXXX XXXX XXXX XXXX. I feel that this is a predatory practice, Sente provides a late notice then purchases a policy to cover the gap, knowing that even if a consumer acts in a timely fashion, the consumer can not possibly be insured within the specified time frame. All notices and mailings from Sente arrive approximately 12 days after being generated. Additionally, since the mailing occurred during the holiday season, it was even further delayed. I have brought this to the attention of Sente representatives, but they state that there is nothing that they are willing to do to remedy the situation. I am requesting a refund of the policy to be placed back in escrow and that Sente account for the delay in the time correspondence is generated to when it is received by a consumer. If a more detailed accounting if these circumstances is needed, please let me know as I have time, dates, and the names of the representatives that I have spoken with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. Same with XXXX XXXXXXXX. I have called on more than 10 numerous occasions and have not received a solution. I know that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me. 


THERE HAS NOT BEEN A SOLUTION TILL DATE.ITs not 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 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TaxServ, LLC
State: CT

Complaint narrative:
TaxServ has reached out numerous times regarding a proposed debt owed for two ( 2 ) motor vehicles to the city of XXXX CT. On each occasion I email them back informing that the bills are not valid, I did not live in XXXX at that time and one of the vehicles was purchased and registered in XXXX ( tax bill attached ), the other disposed of years prior and plate turned into the dmv . Each time there has been no response, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IN

Complaint narrative:
In accordance with the Fair Credit Report act, AMERICOLLECT INC, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by XXXX XXXX XXXX  against my credit. I have not recently or ever applied for a XXXXXXXX XXXX XXXX XXXX 

This was only an inquiry and it does not appear that the credit card was approved.

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 2023-02-15 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: GA

Complaint narrative:
THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 1. XXXX XXXX ACCOUNT # XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX ACCOUNT # XXXX 6. 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 2023-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account with Wells Fargo back in 2016 for an insurance policy they offered with a partnering company back then. I never received the I surance cars to use so I called them on a number on which nobody ever answered. I tried to cancel it through WF, bit was told by their agent I " must cancel it with the provider ''. I never got through and I couldn't cancel it which seemed like suspicious business practice. Since I couldn't cancel the service or charges I closed my account in 2016 and switched to chase. I do believe I heard WF has a lawsuit against them regarding this so I would like to be compensated for this horrible experience.

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 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: TX

Complaint narrative:
While at work in XXXX  XXXX, I slipped on the floor and fell down in the medication room, landed on my left hip and left shoulder on XX/XX/XXXX. My co workers helped me to lift me up from the floor. I was sent to the employee health Department the same day, seen by the attending physician. I was sent for XXXX XXXX, I took therapy until XX/XX/XXXX XXXXXXXX XXXX XXXX has proof that the therapy sessions were approved which they sent me on my phone. I was told my sick leave that I have used during my XXXX XXXX hours will be reimbursed later, but my sick leave was never reimbursed. They made me close the case around XX/XX/XXXX in a rush, later I found out that my sick time will not be reimbursed anymore. In XX/XX/XXXX, I received a bill for {$2000.00} from XXXX XXXX XXXX XXXX. I tried to work with XXXX  and XXXX XXXX XXXX XXXX answered me stating that my case is closed. When they closed my case, I was not aware of this oncoming bill or loosing my earned sick leave. On XX/XX/XXXX, I received this letter from Benuck & Rainey , Inc. debt collector. Mean time I have requested XXXX to open my case which they rejected to open. 

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. I hope and request your honorable office to do justice in this case in a humanitarian basis.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MD

Complaint narrative:
I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.

Company response to consumer: Closed with non-monetary relief