vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NH

Complaint narrative:
I received a debt collection letter for a credit card from XXXXXXXX XXXX.I don't believe i opened this credit card, I asked them for proof of debt XX/XX/2022, they provided me with the last 2 statements, which showed only the amount owed {$610.00}. I asked for the application and all statements in XXXX XXXXThey did not provide the application just the statements. In XX/XX/2022 I asked again for the application. They stated they can not send me the application. This is non-compliance. If you're trying to collect a debt owed, you should be able to provide all documents on the account. No payment was ever made on this account so I am unable to prove it was my debt, as I would've at least made payments to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
on XX/XX/22 at XXXX received email from Bank of America saying " online application is in progress '' XXXX-another email says approved XXXXanother email says welcome to online and mobile banking XXXXanother email says verify your email address XXXXanother emails says your email address was updated I contacted bank of america once they opened on XX/XX/22 fraud agent asked me to provide them some info, they were able to verify they saw an account showing opened under my name, they immediately shut act down, and will be be sending me info that I have to fill out to verify myself. 
I have reached out to XXXX so they can put alert on credit bureaus, it was automated line, did not speak to live agent, contacted social security fraud line, which an agent stated I needed to reach out to FTC

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 2022-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently sent Equifax multiple notices regarding the false information that is reporting on my consumer report. They have sent me a response that the accounts have been verified by the creditors as accurate, however Federal Law states that isn't the lawful way to verify that an account is accurate. Additionally, the XXXX states that a payment should not be deemed as late for any reason. Equifax has taken on this grave responsibility themselves to ensure that all accounts that are being furnished, not only have my consent to be furnished but also the accounts must be furnished with 100 % accuracy! Today I spoke with XXXX, an Equifax supervisor in the fraud department, and he stated to me that Equifax has the right to furnish and report my private information even after I have demanded that they remove the errors and/or the entire account He stated that he could not remove any of the fraudulent reporting and that they could only open a dispute ticket. I declined and demanded that the accounts be deleted from my consumer report because i no longer trust Equifax as TRUSTEE to operate in my best interest in a lawful manner. My right to privacy is being violated and I wont allow Equifax to act in a way that they are exempt from federal law. Pursuant to 15 USC 1681a # 3, 15 USC 1681a # 4 you don't have my consent to report ANYTHING on my consumer report, and you've been unfair an impartial to me the consumer. You have never had permissable purpose under 15 USC 1681b # 2. And due to the recent events with Equifax sending fake scores to lenders I have been damaged and choose to no longer allow Equifax to furnish or report any accounts in my name. 15 USC 6821 Privacy Protection for customers state that consumer information may not be obtained under false pretenses. Now I am demanding redress for the damages and I demand that all of my credits be returned back to me and/or my XXXX account. XXXX out the books and provide me with a bill of particulars for anyone who is making money off of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have spoke to XXXX XXXX numerous times regarding forbearance and a partial claim. A partial claim was filed however I have had money in unapplied that was suppose to go towards XX/XX/XXXX payment and I asked her this numerous times. She advised it would stay in unapplied however they used it towards the partial claim and now I dont have my payment for XXXX the partial claim was done wrong and has to be redone but Shellpoint will not redo it. I cant pay this month that money was for this month and I said it to her a multiple of times. I called hud they dont even have the partial claim yet. I should not be responsible for their mistake and punished for being late of not making a payment at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I apply for a credit card with JP Morgan Chase Bank on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX Chase closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Fake checks written out using my address but also at the heading of check. XXXX XXXX XXXX Was the name of the check. First one used at a XXXX in Kentucky. Second was a XXXX 's or XXXX XXXX in North Carolina. I'm not associated with the XXXX XXXX group.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 a natural person, I am a living human being, I have rights under 15USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that accounts listed below 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 Accounts : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit systems is using abusive debt collection practices to collect on an alleged debt. I have not received validation of this debt. I did not receive my right to dispute. I have attached my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The mortgage companies report me as missing a payment, I have never missed a payment.

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 2022-08-25 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING IS reporting a fraudulent account on my credit. The account I am referring to ends in XXXX I have submitted several disputes regarding this account and yet it continues to report on XXXX. Please see the attached FTC report and my driver license and remove this account from my credit profile I am not responsible for this and have no clue why its still reporting on my credit. Please remove this fraud!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
Have called creditor several times to have credit report updated with the credit bureaus. Still being shown as open with a balance on XXXX. Have spoke with the Resolutions department at Balance Credit multiple times. Today being XX/XX/2022 spoke with XXXX. Said the account has been reported as closed paid in full as of XX/XX/2022 and was manually inputted to the bureaus. But according to XXXX as of today XX/XX/2022 account is shown to be open and accurate with balance owed of {$1600.00}. I have filed disputes with XXXX on XXXX/XXXXXXXX and XX/XX/2022 and the problem never gets corrected. I have documentation supporting the payoff date. The creditor does also and they always agree that this particular loan is paid in full. I do not understand how they can continue to show something that is clearly paid in full and not be accountable. It is damaging to my credit score for something that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, AARGON AGENCY INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AARGON AGENCY INC has violated my rights as a consumer and i'm requesting legal action to remove this account 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 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I finance my vehicle with Hyundai Finance Motor. I been receiving monthly statements from them since XXXX of XXXX. I made my final payment on XXXX. Today, I can not get my title nor a lein release for this vehicle. I have called them and has been told to allow title to issue 3 til 5 business days. Still no title or lien release. I called Hyundai Motor back, just to be told not able to speak with a manager only the highest command is a supervisor. This is my 2nd time trying to trade the vehicle in and has not been successful for getting a title. I asking to be paid {$1500.00}, a month from XXXX, XXXX, XXXX, XXXX and XXXX for a title of {$6000.00}, til I receive my title. I'm asking for titl to be overnight to physical address XXXX XXXX XXXX XXXX XXXX SC 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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America refused to refund {$240.00} for a scam XXXX payment. They do not inform customers that their funds are not protected from XXXX scams.

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 2022-08-25 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: NC

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

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

Company 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 2022-08-25 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: OK

Complaint narrative:
I had an account with this company. I had a {$1000.00} line of credit attached to a card. It basically acted like a credit card. I moved to another state and tired to update my address. They refused to update my address. I was told that a supervisor had to call me. I was never contacted by the supervisor. I reached out again and the told me that they would have a supervisor reach out again. I never got that call. I then called and told them to just close the account if they are unwilling to do a simple task like updating my address. I was told my account would be closed within 24-48 hours. A few days later, I got two emails from the company. The first one said that my account had been closed, and the second one said that my account had been opened. I then reached out again and they told me that there was some error in their system, and that they would put in a request to have my account closed. I have continued to get statements for this account. I called them again, and they stated that the account is closed, but that they will be keeping my online account open for 5 years. The online account states that my card is still active. I don't this line of credit to be accessed by anyone, and the only way I can do it is to make sure that the account is actually fully closed out. I do not think that there should be an open account that is just floating around in cyberspace while they claimed that my line of credit is closed. It feels like identity theft waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: IL

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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
My bank account was breached on XX/XX/XXXX to XX/XX/2022 Huntington is saying im responsible for purchases i never made a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
After splitting from my ex-XXXX XXXX and him moving out I received a statement from Home Depot regarding a credit card. I contacted Home Depot made them aware this account was opened fraudulently, and I NEVER opened this account. After discovering what was purchased, I was quickly able to identify who opened this account in my name. I contacted XXXX and asked him about this, and he laughed saying no one will do anything to him and used foul language. I made Home Depot fraud department aware who used this account asked if I should file a police report and was advised no. However, this account has been taunting me I have offered EVERYTHING to validate I did not open this account I have no association with this account, and nothing is being done. After this I will be filing a suit to get this resolved. Pull each call I have made you guys aware offered police reports and they refused to accept them advising me its not needed.

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 2022-08-25 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: DISCOVER BANK
State: GA

Complaint narrative:
I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year XXXX XXXX XXXX The account is with Discover Bank it has a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I've issues with PNC 's shady practices in the past so I've been taking screenshots of my account. My account was around {$66.00} XX/XX/XXXX and XX/XX/XXXX I wake up to a negative {$53.00} balance. I have screenshots of my account that doesn't at all indicate that my account would be negative or that there were any amounts coming out today. 

I contacted PNC bank and was immediately transferred to a manager stating she couldn't guarantee that I wouldn't be charged an overdraft fee of {$36.00} usd for three charges. That would cost me around {$100.00} dollars. They tried this same thing before and after I explained my situation they waived XXXX overdraft fees. I didn't press the subject and decided to keep better tabs on what funds would be coming out and STILL they pull this XXXX. People are struggling to pay rent and keep gas in their car, we can not afford for banks to keep doing XXXX like this. I'm going to continue fighting these charges until they give me money back, if they process an overdraft fee. I check my account and take screenshots several times a week because this gives me anxiety. Right now I can not afford this.

Company response to consumer: Closed with explanation