vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I, XXXX XXXX, the consumer, have contacted CAPITAL ONE on XX/XX/2022, by certified mail which they received XX/XX/2022. CAPITAL ONE, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. CAPITAL ONE has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. CAPITAL ONE is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( XXXX ) ( A ) ( i ), 15 U.S.C. 1681a ( XXXX ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Selene Finance holds our mortgage and as a result the escrow account is totally non transparent and as a result duly on XX/XX/2022 I paid my insurance through XXXX the insurance company notified Selene that the insurance was paid in full I also contacted them on a number of occasions to tell them the insurance would not be paid in escrow and as of the first of the year my taxes will be paid outside of escrow. There is also {$200.00} that is taken out oof my payment and no one can tell me where this money goes. As of XX/XX/2022 the escrow account had a balance of {$2000.00} and as of XX/XX/2022 there is a deficit of {$2500.00}. Not possible!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have been disputing with equifax for several months about an account that was fraudulently opened on my credit profile. the account is with XXXX. i attached my ftc affidavit as requested and equifax continues to say the account is verified to be mine/accurate. this account being reported as a charge off is damaging my credit and is preventing me from obtaining lower interest rates on future lines of credit! equifax did handle this investigation properly and also violated the fcra by not deleting the account from my credit report. this has caused so much emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX  credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TX

Complaint narrative:
IN REGARDS TO MY COMPLAINT # XXXX SUBMITTED XX/XX/2022, THE COMPANY 'S LETTER IS UNRESPONSIVE TO MY REQUEST. EQUIFAX IS IN A WAY THAT IS EXACT AND CLEAR, OBLIGATED BY LAW 15 U.S.CODE SECTION 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION. TO SHOW PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS IN MY FORMER COMPLAINT, SUBMITTED ON XX/XX/2022. SECTION ( B ) OF THAT LAW STATES, THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, AND ( C ) THE CONSUMER IS GIVEN AN EXPLINATION OF HOW THE CONSUMER CAN EXERCISE THAT NONDISCLOSURE OPTION. XXXX IS CLEARLY DEFLECTING FROM THE MY REQUEST AND WILFULLY BREAKING THE LAW IN THEIR RESPONSE. I AM AN XXXX AMERICAN WOMAN WHO IS AWARE OF HER RIGHTS, AND I REFUSE TO LET THIS COMPANY TAKE ADVANTAGE OF ME. I AM DEMANDING PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS ALONG WITH MY NONDISCLOSURE OPTION, ENOUGH WITH THE FILIBUSTERING TACTICS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. XXXX 1681e ( b ) and 15 U.S. Code 1681 ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
This is my second request for payment history and the correct amount balance that is due. With the correct statement of all fees. Please send invoice for services or goods. So i can remit payment to the appropriate principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
5/3 bank will not recognize a cashier's/certified check purchased on Saturday XX/XX/XXXX that has Monday 's date XX/XX/XXXX on the check. The federal reserve does not recognize Saturday as a business day and neither does the bank from which the check was purchased at. When speaking with the branch assistant manager, to which his reply was, 5/3 bank 's policy is to not allow future dated checks. 5/3 recognizes Saturday as a business day and therefore can not accept the check per bank policy. That the system would return the check and cause the client a fee. This is an inconvenience to the client. I feel 5/3 just tries to complicate things five thirds of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I HAVE BEEN MAKING REGULAR MORTGAGE PAYMENTS SINCE THE END OF MY FORBEARANCE, ALMOST A YEAR. YOU DENIED THREE OF MY PAYMENTS IN XXXX, XXXX, AND XXXX, THEN YOU COME BACK AND ASK ME IF I AM HAVING A PROBLEM MAKING MONTHLY MORTGAGE PAYMENTS. CAUSE YOU WILL NOT GO THRU THE PROCESS WITH THE VA. I THINK THAT IS A CASE OF DOUBLE JEOPARDY. I AM ALREADY INTO DELINQUENT STATUS FOR {$29000.00}. THEN YOU TAKE THE RIGHT FROM ME TO CONTINUE MY PAYMENTS CAUSE YOU WANT TO FORCE ME TO PAY {$29000.00}. PUTTING ME FURTHER IN HARDSHIP. IF YOU WILL JUST DO THE PAPERWORK TO HAVE THOSE PAYMENTS GO INTO A LIEN, BUT YOU WANT TO PROFIT FROM MY HARDSHIP FOR 30 YEARS, BY COMPOUNDING IT TO MY PRINCIPAL. I NEED TO TAKE A LOSS, NOT YOU TO MAKE A PROFIT,

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 2022-08-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law

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 2022-08-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form

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 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
In short this debt / collections matter is fraudulent in nature. The original creditor sold this debt fully aware of my dispute, however over the past XXXX  years I have had this reported on and removed from my credit report at least XXXX times previously. The new collections company XXXX Source Receivables Management ) has presented a new account number and amount ( fraudulent ) and reported to the credit bureaus. Note I have a pending disputes with the credit bureaus, however I feel they are complicit in allowing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: DISCOVER BANK
State: MI

Complaint narrative:
I, XXXX XXXX, the consumer, have contacted DISCOVER BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. DISCOVER BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. DISCOVER BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. DISCOVER BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
More than {$24000.00} were wire transferred out of my business checking account. I have been dealing with Wells Fargo since the day it happened. That was on XXXX second. Today XX/XX/XXXX I received a letter from Wells Fargo saying that they can not refund the money to me. There were other 2 fraudulent chqrges one for {$1000.00} and one for {$800.00}.

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 2022-08-27 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: AZ

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX ; ph : XXXX. 
XXXX ; XXXX. 
XXXX XXXX ; XXXX. 
XXXX XXXX  ; address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX XXXX  ; ph : XXXX. 
XXXX XXXX XXXX ; XXXX. 
XXXX XXXX ph:XXXX.

jpmcb XXXX XXXX ph:XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I told the XXXX associate at XXXX XXXX to charge my account the XXXX that was available to be used, he over swiped XXXX onto my account. They will not accept or return my XXXX XXXX because that is the only way that they could fix that problem I was told. It has been almost 3 months now and I am tired of this issue not being resolved or disputed. Ive had identity theft going on heavy with my accounts and I want my issues resolved already. I want the people who tried to take out loans in my name, who wrote fraudulent checks, and who have been trying to steal my identity and intimidate me to pay for their crimes in a court of law to the highest extent. I will be pressing charges against eligible partys and affiliates for punitive damages to my mental health and my mental well being.

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 2022-08-27 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: TX

Complaint narrative:
XXXX and Experian violated my rights according 15 U.S.C 1681i ( A ) ( 1 ) ( a ) and 15 U.S.C 1681i ( 5 ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both XXXX and Experian what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( 5 ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my XXXX credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
My significant other has been in dispute with Chime XXXX for XXXX days as of today, XX/XX/2022 for the amount of {$600.00} after he was the victim of a scam after attempting to purchase an item online. The so-called 'merchant ' that made the sale with him has not responded to any communication by phone, text message, or e-mail. The 'merchant ' also refuses to respond to law enforcement. The purchase was made XX/XX/2022. The item was never shipped. A tracking number was never provided through any shipping service both foreign or domestic. The item was never received. 

He has submitted 42 separate screenshots on multiple occasions to Chime XXXX in regards to this dispute requesting a refund. The screenshots include the transaction, the receipt for the item, the receipt of the entire transaction, the lack of response from said 'merchant ' for the past 30+ days, the repeated denials from Chime 's so-called 'Investigation Team ', the item being relisted by the same seller, the police report from our local police agency indicating that he is a victim of fraud, the first letter Chime requested, and the subsequent second letter after the third denial of refund. 

For the third time, his refund request was denied stating that " no error occurred and customer must contact the merchant ''. The merchant is clearly fraudulent and will not respond. Law enforcement even acknowledged the fact that this person was a scammer. Chime still refuses to refund his money and has demonstrated blatant disregard of acknowledging or assisting him as the victim of a cyber-crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I remitted the payment coupon at the bottom of my statement along with a notice of instructions on how and where to credit the payment. Now my account has been closed without prior notice due to them saying I'm denying my contractual obligation to pay when I've in good faith tendered payment. I never denied my obligation to pay but the obligation is of the U.S., not me. I've sent Notices on XX/XX/XXXX about this matter and they signed to receive the information on XX/XX/XXXX according to to form XXXX. They have closed my account on XX/XX/XXXX according to data from XXXX about my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: NY

Complaint narrative:
Experian sent me investigation results without supplying accurate original documentation which includes all original contracts between the original creditor and consumer. With original signatures and all original contracts. Experian is clearly violating the FCRA laws put in place. They are not actually doing any investigations its a stalling tactic to get me to give up without deleting the errors which by law should be deleted.

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