vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX  ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me XXXX XXXX : Pursuant to 15 USC 1692C. ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
Lakeview Loan Servicing , LLC ( Lakeview Loan ) has reported a security incident involving unauthorized access to Lakeview Loans file servers, which was identified in early XX/XX/XXXX. 
The companys investigation determined that an unauthorized person obtained access to files on Lakeview Loans file storage servers from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, Lakeview Loan began mailing notification letters to individuals whose information may have been involved in the data breach. 

The accessed files, according to Lakeview Loan, were reviewed by its investigation team to identify the content. The investigative review process, according to the company, generated a preliminary list of individuals whose name, address, loan number, and Social Security number were included in the files. 

I receive a notice and was only offered one year of a free identity monitoring service.

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 2022-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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.

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 2022-04-11 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: Credit Karma, LLC
State: NC

Complaint narrative:
I was chargerd {$180.00} by a company called XXXX on my credit karma savings account that I did not authorize at all. So I ordered a new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LA

Complaint narrative:
XX/XX/22. Have a fraudulent unauthorized inquiry from XXXX XXXX XXXX. That I would like remove from my credit report or provide proof within 30days

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 2022-04-11 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Phoned to make {XXXX} payment over the phone on XX/XX/22. Balance was previously paid in full, yet accounts keeps billing at 28 %. 
Expressed all of this to representative and that I was attempting to pay off card for the second time. Was assured it was handled. 

Friday I received my statement indicating I was 30 days past due and that my payment was reversed. Received credit alert this morning indicating they had reported my account delinquent as well. 

Phoned them and was told they had incorrect checking information for me. My account numbers have not changed in over 15 years, I use XXXX XXXX. Once I read the checking and routing information to the representative, she confirmed it was incorrect in their system. I asked her to make note of same and she processed the payment again. 

My phone number nor email address have changed. Other than this statement received Friday this is the first I was made aware of their mistake. 

The representative processed my payment this morning and has removed the late fees that were tacked on as a result of their error. I am simply attempting to have the delinquency removed from my credit report immediately. 

I asked to speak to a supervisor, XXXX who refused to accommodate or assist me with reversing the delinquent mark on my credit report. 

I even went so far as to state that mistakes happen, human error exists. Yet, it appeared the supervisor was insistent upon reading her script. 

Note : the statement says returned payment, thats incorrect as they didnt have correct account to initiate a withdrawal. I have attached a screenshot of my account which shows that my other two Comenity accounts withdrew their payments successfully. The screenshot also shows the balance on the date of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was emailed a final move out statement from XXXX XXXX. They told me that my final payment was to be made with PDQ. I made that payment with XXXX. Years later, Nation Credit Systems is trying to collect for something I dont owe. This has been paid through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I recently applied for an American Express XXXX card but my application was declined because American Express cancelled your previous account ( s ). 

The cancellation did occur, but it was so long ago that it has fallen off my credit reporting and is no longer meaningfully relevant to my credit history. I called Amex to clarify when I might be eligible to be approved for another account. The representative was not able to provide this information. I asked how long this blacklist lasted. The representative could not respond. 

Im not providing information to me, American Express is not being clear and transparent with its credit approval policies and is not giving me the opportunity to redress past concerns which might be adversely affecting my credit availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a letter from XXXX, XXXX XXXX XXXX XXXX. stating they entered a judgement against me for a Target account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe Target anymore and if I did, shouldnt I have been made aware of someone trying to sue me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LA

Complaint narrative:
XX/XX/22. Have a fraudulent unauthorized inquiry from XXXX XXXX XXXX That I would like remove from my credit report or provide proof within 30days

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: NE

Complaint narrative:
Bank of the West is sending offers to consumers and honoring them. After opening two accounts with XXXX they are refusing to honor their offer. I first contacted them by phone on XX/XX/2022 and was told by customer support they couldn't help me and I should visit a branch. After visiting a branch the same day I got the same answer. At that point I opened a XXXX complaint. After two months of Bank of the West has yet to contact me even after sending them multiple messages via XXXX and visit a branch for a second time. They keep saying the same lies over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: The Outsource Group, Inc
State: NC

Complaint narrative:
I spoke with a lady a few moments ago at Medicredit Inc XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. I called to get the collection/chargeoff removed from my XXXX XXXX credit report XXXX I paid the account in full and have the receipt. The lady told me that the can't remove the collection/chargeoff from my credit because they can't release it. I am trying to buy a home and although the account shows XXXX balance, the lender says because it still shows as a collection/chargeoff it affects my financing status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XX/XX/2018 I ordered a kitchen aid mixer from QVC on a payment plan. I never received my mixer. I called them to tell them that they said they couldnt send me a new mixer and to dispute it with my bank. Which I did. Now its in collections why do I have to pay for something I never recived.

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to pay a bill using my Wells Fargo XXXX while traveling overseas. My account got shut down. 

I indicated to my bank that I would be traveling 2 months prior when I made a withdrawal. 

I spent over four hours talking and waiting for the online team. 

I asked for a callback from an account executive and none was made. I was told I would receive a call within XXXX-7 days. 

I called Wells Fargo three times. The first time the access to my account was restored. The second time I tried to repeat the XXXX transaction, I was told I would have to come to a branch to prove my identity. I escalated the conversation twice until I was told an executive would call me back and then hung up on by a manager called XXXX XXXX. 

As you might suspect, its impossible to go into a branch while you are traveling overseas. 

Also their e-mail system responded that I need to log into my account to contact them in writing. The not so funny irony is that I obviously can not. 

Not having access to my account is positively dangerous while Im traveling and blocking access to my funds while I need them is irresponsible.

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 2022-04-11 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Santander /Consumer USA Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Global Lending Services LLC
State: TX

Complaint narrative:
My car was sold and they stated that I had a balance left. The sold my car for more than they told to me. They left me with a higher balance than what I really owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Credit card was not usable and could not get to speak to a representitive.

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 2022-04-11 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Paid off loan but the company has refused to give me my lien release. Moved out of state and need to get tags and they keep giving me the run around about my lien release

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 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Affirm is attempting to collect on a debt which was paid using XXXX XXXX installments, order ID is XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15 U.S.C. Section 602 A. States I have a right to privacy 15 U.S.C. Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S.C. 1692 C Companies involved are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The transactions that XXXX withdrawn out of my Bank of America account without my knowledge or consent : 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} The transactions that XXXX withdrawn out of my XXXX  XXXX account without my knowledge or consent : XXXX {$2500.00} XXXX {$10000.00} XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has time and time again reported this account ( XXXX XXXX ) as verified. But has yet to show how they verified this account. While XXXX and XXXX could not verify this account and simply removed it from my credit report. I thought all credit bureaus get their information from the same source. I'm really losing faith in this company as a consumer. I want this account removed asap because its reporting inaccurately and Experian is not investigating the validity of this account correctly

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 2022-04-11 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: CarMax, Inc.
State: PA

Complaint narrative:
Submitted a preapproval to carmax. Was told it was not affect my credit as it would be a soft pull. Received several hard inquiries. Contacted both the company and 3 credit bureaus, still no results XX/XX/2021 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 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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