vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened a complaint to First Bank PR due to the fact that the bank was not reporting the correct date of first delinquency to both XXXX and XXXX credit bureaus. I provided with all the documentation to prove that the date being reported was incorrect and that this date was to be corrected when reporting this account to the credit bureaus. 

On XXXX, First Bank PR responded to this complaint and admitted that the date being reported to credit bureaus was incorrect and that they submitted a request to both XXXX and XXXX to have this date corrected. First Bank PR attached to the complaint the form used to report the corrected information ( see attached ). I have also attached to this complaint a copy of the previous complaint showing the bank 's response. The correct date that First Bank PR should report as " Date of First Delinquency '' is XXXX, as you can see in the original complaint. 

XXXX proceeded to update this date within 3 days of the bank 's response but XXXX never updated the information. 

On XXXX I called XXXX and explained the situation and provided them with the document that First Bank said they sent them. XXXX explained that they never received a request to update information in the account on or around XXXX XXXX XXXX  and that they could not update the date. Per their records, they still show the incorrect date of first delinquency. 

I request that First Bank PR contact XXXX and request them to update the date of first delinquency to the correct date, which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Upon reviewing the county clerks website for mortgages and deed. I found the attached stating. I was granted a modification in XXXXXXXX XXXX XXXX with the amount owed from the forbearance put to the back of the loan.. XXXX. What is so puzzling I have not signed any mortgage modification papers since XXXX. That modification I was in a disagreement because the modification I signed stated. I had to pay XXXX up front which I could not affordthat was in XXXX. I never signed any agree In XXXX. If I did I wouldnt be going through this back and forth. I would be making my payments. And I couldnt make my regular payments unless I was to give the XXXX XXXX  first which I did not havethe date on the notary looks altered so that means I would only be behind from last XXXX. Until now which Rushmore says I owe over XXXX XXXXXXXX. Lets get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Credit limit lowered below original terms of agreement until charged balance exceeded limit. Refused to resolve and demanded new application to raise limit back to original terms violating UDAPP.

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 2023-05-03 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:
Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital fighting for my life from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was fighting for my life Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : XXXX XXXX XXXX XXXX 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 2023-05-03 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: Experian Information Solutions Inc.

Complaint narrative:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and three 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and two 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-03 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Hello, I applied for a credit line increase on my Barclays Old Navy credit card on XX/XX/XXXX. On XX/XX/XXXX I was notified that Barclays pulled my credit report and did a hard inquiry with XXXX for the increase. The fact that Barclays would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for Barclays to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.

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 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I went with friends to purchase a car, it was a horrible experience on XX/XX/XXXX looked at car sticker price for used car was {$21000.00} at XXXX XXXX dealership in XXXX XXXX CA. I told them I had a schools first loan for {$29000.00} they said no problem, sold me car. They had me sign my name multiple times on enlarged digital screen saying this is for tires, this is for warranty this is for this and that never showing me what I was signing because it just showed signature line on desk screen, they kept ensuring me it would go though my union schools first. They printed paperwork and sealed it and handed it to me. I called schools first they told me my loan was denied because it was {$34000.00} for the used car which they told me was 135 % over XXXX XXXX book. I called dealership and they told me I can't return car, they will finance it through XXXX dealership, which is never what I wanted. My mom asked to see paperwork and told me how much it really cost, I tried to take back car they told me there is no cooling off period in California. I tried calling multiple times, my mom called multiple times we tried to take back car on XXXX XXXX they said we can't rewrite contract, they tried to change some things, it still came out and was still {$33000.00} they said I can leave car at dealership, no changes can be made. I am going to take it back to dealership and leave key and say it is a voluntary repossession or surrender. It has just been a horrible situation on how they take advantage of people. At this point I don't car if it hurts my XXXX credit or I go to court, I want to speak out how they have done this to me, they should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have no knowledge of what i am being charged for. And have requested information multiple times from this company. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPS, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of state medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
this is not my account and hurting my credit

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 2023-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a request to XXXX, XXXX and Experian to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time XXXX and Experian replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app allowed someone whose name is not on my account to link my debit card to their cash app account and withdrawl money from my primary banking account and they won't do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and this is my third complaint towards DNF Associates Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023, I received a check for {$7200.00} from what I thought was an employer who had hired me to work from home in response to a job opening listed on Indeed.com The check was to be used to purchase equipment needed to perform the work. I deposited the check in my checking account at JPMorgan Chase at the XXXX, NJ, office before XXXX XXXX  on XX/XX/2023. The cashier told me the funds would be available the next day. The next day, XX/XX/2023, the funds appeared in my online checking account as " available. '' I proceeded to disburse the funds as directed by the supposed employer through XXXX, XXXX, and XXXX, supposedly to vendors used by the employer, to be used for equipment and software needed to work at home. I next checked my checking account online on Tuesday, XX/XX/2023, and found the account overdrawn by {$6800.00} because the check had not been honored by the bank on which it was drawn. I was unable to contact the supplier of the check. In conversation with the Chase banking and security personnel, I was told that this was an old scam, called " the work scam. '' The scammers have found a flaw in the banking procedures and are taking advantage of the flaw. That flaw should be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I bank with M & T Bank for over 10 years. I received a letter sometimes in XX/XX/2023 stating that I needed to call the bank to update my personal information on our joint account. I did so via phone and was asked to provide my citizenship and employment information. When I asked if my spouse needed to update here information as well, I was told that no need for that as I was the only person that needed the update. On XX/XX/2023, I found out that M & T bank froze all of our accounts, rejected my direct deposit from my employer, returned couple of payments ( credit card and car payment ) I am now going through a financial hardship as a result. I called the bank and spoke to a supervisor as he was able to identify the issue. He removed the hold that was placed on both of our accounts and advised that I will need to deal with employer and the other companies who payments were rejected. We have never received an official notice that our accounts are going to be frozen nor we received any notice about updating my spouse personal information. I need this matter to be investigated and requesting a remedy from M & T bank to compensate for this financial hardship that was caused as a result of the lack of communication and disclosure to consumer. Thanks in advance for your assistance with this matter. A Congressional complaint will be filled against M & T bank followed by this complaint to your organization.

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 2023-05-03 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: AR

Complaint narrative:
XXXX XXXX AND TRANSUNION ARE IN VIOLATION TITLE 15 US CODE 1681 1681 A 4 A CONSUMER 'S RIGHT TO PRIVACY 1681 B CRA 'S MUST FOLOW REASONABLE PROCEDURES. MUST BE FAIR AND EQUITABLE TO THE CONSUMER 15 USC 1692A INVASIOINS OF INDIVIDUAL PRIVACY PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS REPORTING ARE A VIOLATION OF MY RIGHT TO PRIVACY I HAVE A RIGHT TO PRIVACY THE UNAUTHORIZED WAY THESE ACCOUNTS HAVE BEEN BEING REPORTED IS NOT FAIR AND EQUITABLE

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 2023-05-03 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: AZ

Complaint narrative:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Multiple illegal wire transfers were initiated in my checking account that I didn't authorize or perform. When the first illegal wire transfer was tried, Wells Fargo stopped it and I was notified by e-mail from Wells Fargo. I immediately called the number to report this. A couple of hours later, the same person tried to do two other illegal wire transfers and Wells Fargo allowed them to go through. I called multiple Wells Fargo numbers and talked to at least eight different people. I received a letter from their fraud department that they determined I initiated these illegal wire transfers and that is not the case. The illegal wire transfers began around XXXX XXXX  on XX/XX/2023. The illegal wire transfer that were allowed to go through happened around XXXX XXXX  on the same date. The amounts of these illegal wire transfers were {$1400.00} and {$990.00}.

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