vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: NC

Complaint narrative:
Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXX NC, it has the same date as XXXX XXXX  and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my Equifax and XXXX as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. XXXX not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the XXXX XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance XXXX said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my Equifax and XXXX stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up 3 weeks later but with the same date as the XXXX XXXX XXXX XXXX XXXX but now the XXXX XXXX inquiry is manically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
We applied for the assistance from XXXX XXXX XXXXXXXX in XXXX. We are were approve and the agency sent a request XXXX XXXX XXXXXXXX program has request documentation via a portal -- -monies owed on account from my mortgage company in XX/XX/XXXX, XXXX, XX/XX/XXXX but my mortgage has not responded nor sent the information via portal or email. The first request file v record was XXXX XXXX  And we are in jeopardy of the funding from XXXXXXXX XXXX XXXX because of if!!! We really need your Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 sent certified mail to all 3 bureaus on XX/XX/2023 and again on XX/XX/2023 when they stated they verified all information, but never sent any type of proof. I asked them all to investigate these companies listed below according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I stated they are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. I haven't received anything, but them stating they verified these accounts. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts which are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX is making payments to XXXX XXXX for advertising / marketing support to their new product introductory project. Payments are rendered on weekly basis or more often as needed. On XX/XX/XXXX PNC bank decided to flag check XXXX XXXXXXXX as suspicious transaction. Employee of XXXX who has access to the account noticed it and immediately contacted PNC Bank to explain that this is wrong flag and all is good with this transaction. Person who picked up the call was unsupportive and did not listen at all stating that XXXX XXXX owner needs to call them by XXXXXXXX XXXX on that day ( XX/XX/XXXX!!! ) to explain it. When XXXX employee get frustrated with repeating info that man in question is overseas celebrating his holiday break and employee of XXXX requested supervisor at PNC Bank, the operator dropped the call. The next day, XXXX bank account was negative due to the check being bounced by PNC bank against XXXX will. XXXX 's owner contacted his bank and was instructed to reprocess the check do to lack of errors. This is happening right now and at this point we do not know if PNC will refuse it again or not. 
Situation of bank making unilateral decision about clients money and against client 's will ( and normal reasoning- there are other checks between the two and non was ever in question by any of the sides ) is unacceptable! Your intervention will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
The amount on collection is not the right amount, according with my personal health insurance information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing deliberately not mailing out customers mortgage statements so they can charge late fees. I have filled complaints about this issue. I have a paper trail of deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires mortgage lenders or servers to send out monthly statements for each billing cycle. As well as an annual mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX  XXXX XXXX I made a mobile deposit of {$4000.00} into my wifes and I  savings account. I was notified that there was a hold placed on the account until XXXX. On XXXX I was then notified that the savings account had been restricted due to it being suspicious, irregular, fraudulent, unauthorized or unlawful. I then called and was told to visit a branch. I spoke with the branch and was told to sit tight and it should be resolved on its own, like a deposit hold, the fraud dept restricts the account. The branch did nothing further. I also verified that the check cleared from the bank. I believe Regions is accusing me of fraud and wont let me access my money.

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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. Thank you. The company is JEFFERSON CAPITAL SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX insurance totaled my vehicle in XXXX 2023. They paid {$8000.00} to the lender, the gap coverage was to pay the remainder of the loan. Now the lender has turned it over to Westlake and they have it on my credit as charged off and state my vehicle can be picked up at XXXX XXXX. That's false information, the car was totaled and shouldn't be on my credit report as charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), Portfolio Recovery Associates, XXXX XXXX ( XXXX XXXX XXXX ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX and Portfolio via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/ and Portfolio via certified mail on XXXX XXXXCopy of certified mail return receipt, proving that XXXX and Portfolio received my debt verification letter on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report. I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. Sincerely, By : XXXX XXXX XXXX in fact. For : XXXX / REF # : XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act Capital One # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: DE

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: DE

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.

has violated my rights. Or a list of inquiries : 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2023, I entered into a new agreement with Citi Cards to assist in paying my card down due to a financial hardship of divorce while not affecting my credit report and XXXX score. The agreement online stated that I would not be marked late or be charged late payments during the agreed terms of {$120.00} per month for 60 months and I was required to sign up for e-statements which I never received in the mail to see what my balance due or notifying me that I was considered past due status. My mailing address and email address are current with Citi Cards. Since then, I have been paying the agreed upon amount of {$120.00} per month and Citi Cards has been reporting me 30 and 60 days late on my credit report. I only received notification that I was considered past due when I applied for a mortgage loan to buy a home in XXXX. Citi Cards did not inconspicuously explain that I would be reported late on my credit report when I entered into the new agreement terms back in XX/XX/2023. My understanding was that entering into the new agreement would show good faith in paying the monthly agreed amount and reporting on time payments to Citi Cards. Citi has not sent written notification, monthly statements or reached out by phone since the new agreed terms that I was marked past due under the new agreed terms and leads to misunderstanding by consumers that they are paying as agreed.

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 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: WA

Complaint narrative:
Kick off credit builder Loan is reporting a closed and late payments on my credit report after I have tried repeatedly to contact this company and to inform them of a open identity theft report the company does not respond and is impossible to get a hold of.

Company response to consumer: Closed with explanation