vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover stated they issue a XXXX form in XXXX tax year. Never received document. Also, I want a letter stating the XXXX was issue. I can't be sue for the debt on the time barring account and also its uncollectible. Lastly I notice their a soft inquires every month. Why is this? 


I called the number provided. 


Discover stated before : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Re : Discover card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX, XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ) . To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We appreciate you bringing your concerns to our attention. We are unable to confirm the events as you have described them in your correspondence to the CFPB. According to our records, your account charged off with a balance of {$5200.00} on XX/XX/XXXX due to non-payment. We do not have any record of you contacting us since the account charged off to request settlement options. Our attempts to collect the unpaid balance were unsuccessful. We are required by the Internal Revenue Service to issue a XXXX tax document on any balance greater than {$600.00} that we have determined to be uncollectible ; therefore, a tax document was issued to you for the XXXX tax year. We can not provide you with tax advice. If you have any questions, Discover encourages you to consult a tax adviser of your choosing. While we are no longer actively collecting on the debt, if you wish to discuss options to settle your account, please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
CONVERGENT OUTSOURCING XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA 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 2022-03-29 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: VA

Complaint narrative:
Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-03-29 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: VA

Complaint narrative:
Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX, account # XXXX, XXXX Acct # XXXX, XXXX XXXX OF XXXX XXXX accounts, and XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-03-29 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021 a hard inquiry was pulled by JPMCB Auto finance, an unauthorized user. This is fraudulent, I've never authorized nor consent to have my credit checked for no loans, or new credit lines. This act has damaged my credit and countless hours of frustration to have this matter handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-29 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter is reporting my account balance as over 20k but on their website it shows remaining balance as {$18000.00}. I've disputed this incorrect information several times but there has been no changes. My report also shows on one part not current but my account is in good standings. This is misleading to anyone who access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: FL

Complaint narrative:
I have been battling with false and misleading information on my consumer report for well over a year which has violated my rights as a consumer and caused me distress. I have attached a notice from XXXX to remove all information associated with this company and I have the dispute number to back it up. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I pulled up my credit report and I saw all of these inquiries on my credit. from companies I never did business with. the following inquires are, premium credit bureau, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX auto, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX company, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Dealer,

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 2022-03-29 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:
I have been battling with false and misleading information on my consumer report for well over a year which has violated my rights as a consumer and caused me distress. I have attached a notice from XXXX to remove all information associated with this company and I have the dispute number to back it up. ( 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 2022-03-29 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
I pulled up my credit report and saw a credit inquiry on my Equifax, I never did business or have credit with the company on the inquiry. This is the following inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Submitted required paperwork provided by XXXX XXXX and and subsequently called and talked to multiple reps about scheduling inspection of home for appraisal in XXXX, XXXX, and early XXXX of XXXX, including email requests for said inspection and appraisal. 

The XXXX servicer has not responded to schedule the appraisal and in our view now is not needed, as the market analysis shows the home will sell considerably above the XXXX loan balance. As an heir, we have a market analysis done in XXXX of XXXX and updated in XXXX of XXXX, and we informed the XXXX company that we intended to sell the home and payoff the loan in XXXX at the sale closing in XXXX of XXXX. 


Home was listed in XXXX of XXXX and now a sale in scheduled to close on or before XX/XX/XXXX. The payoff request by me for XX/XX/XXXX was provided and includes a {$750.00} charge by the XXXX servicer for an appraisal that was never done. Have asked for a copy and it has not been provided. That is likely because an appraisal has not been done by the XXXX servicer. I am the PR for the estate and an heir with control of access to the property and that information was provided to the XXXX servicer in XXXX of XXXX. An appraisal has not been done. 

With the imminent sale by XXXX, that appraisal is not needed now since we are paying the loan in full. We simply want and have requested a corrected payoff for XX/XX/XXXX excluding the erroneous ( and excessive above normal ) charges of {$750.00} for an appraisal. 

Please help me get the payoff corrected and expedited to me for the closing.

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 2022-03-29 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: RENASANT CORPORATION
State: GA

Complaint narrative:
There was an account on my credit report from XXXX from XXXX Bank, the company was bought out by Renasant Bank in XX/XX/XXXX. Renasant bank is now reporting a balance owed. I've inquired with Renasant Bank to provide documents 3x proving balances, statements, any documentation regarding my personal information associated with this debt. i've received 3 letters stating, " For further verification please forward documentation reflecting any bank error along with the loan account number and social security number. '' Sincerely XXXX XXXX ( kt ) loan operations administrator XXXX XXXX fax

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 2022-03-29 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:
XXXX XXXX took {XXXX} out of my business Via ACH on XX/XX/2021 from Bank America XXXX XXXX XXXX XXXX XXXX ). Which I am the owner of I have been to the Bank very often and to date nothing Has been done. The bank knew it was fraud I was in the bank when it happened XX/XX/2021. I called XXXX XXXX and was told if I did not have an account with them there was nothing they could do!!! 

And so I am reaching out to you for help. I have a case number with bank of America I have a fraud report also but after 6 months of trying I don't know what else I can do. 

Your help would be very much appreciated Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX yes I would have no problem talking about this problem

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 2022-03-29 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a transfer from the same XXXX account that I had made previously to open the business checking account for my NY incorporated company XXXX XXXX and XXXX  with a valid EIN number from the US government registed in my name with 100 % ownership as put on the application to Chase. 

Chase subsequently the next morning, locked my account and cancelled the transfer. They told me it was because it was an external account they don't know of. But the transfer was made from Chase, to a VERIFIED account already that they dropped money in. This keeps getting fishier and fishier. THEY ALSO TOLD ME I WAS NOT ALLOWED TO RECORD THE CALL THEY DON'T PERMIT IT!!!! NY is a single party consent state and I consented ( don't need to say a word to consent ) and I believe by telling me that they were breaking the law. They have it recorded they told me, they also then tried to backtrack and say they didn't say anything, please listen to the call its the truth about how some of these banks collude to mess with a good customer, his business and his HARD earned CASH of his own. No fraud, just fraud on the banks side for locking my money. Fix this problem they are retaliating, its obvious!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: MI

Complaint narrative:
I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT, YOU ARE IN DIRECT VIOLATION OF THE FCRA ... .....

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 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2018 my vehicle was totalled at the time the accident happened I owed {$33000.00}, my insurance company sent a check for the value of the vehicle, which was {$14000.00} leaving a balance on the vehicle at the time of the accident of {$17.00}, XXXX. My gap insurance then sent in a check for the balance of {$17000.00}. 
From the time of the accident, until the insurance company paid the claim, I continued to make car payments. When the gap insurance check reached SunTrust bank they had converted to Truist and the balance of the vehicle was significantly lower. I spoke with the gap insurance company and they said I would receive a refund for the payments made after the accident. 
Truist has told me that they received the insurance check on XX/XX/XXXX, XXXX, but won't apply it to the remaining balance, and won't give me a reason why. I've made complaints with the XXXX and, their customer complaint department, and the response has been they will look into it and give me a call. Over a month and I haven't been contacted, when I call Truist I still get the same answer. " Yes we received the check but don't know why it is not being applied to the remaining balance '' I tried to get approved for a new vehicle, and was denied, because Truist now has charged off the balance and that has hurt my credit rating. 

I have no idea what to do, Truist has a check from the insurance company and won't cash it, my credit rating has dropped so I can't purchase another vehicle unless I get a higher interest rate, and I have a refund for payments I made after the accident, that is not being reimbursed.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
I pulled up my credit report with Experian and I saw some hard inquiries that I do not recognize or have done business with. The following inquires : 1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXXXXXX XXXX 6 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 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery posted a collection of {$340.00} to my credit report in XX/XX/2022, resulting in a XXXX point drop immediately. I have never heard of CDR, or the company they are claiming to collect on behalf of. They have provided zero notification for this debt ( or any instructions on how to pay it ), and have refused to take or return my calls to remediate since posting the delinquency. I was unable to provide an account number from the billing statement for this complaint even because I NEVER RECEIVED A BILLING STATEMENT. 

Filed a dispute with XXXX, who has been equally unhelpful. They provided an uninformative statement saying the account was verified ( with no elaboration on what that means or how they verified ), has been unreachable over phone, and told me I could file a complaint with the CFPB. So here I am.

Company response to consumer: Closed with explanation