vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
At the end of XXXX of XXXX  my mortgage company Flagstar Bank had their collections call and said my payment was late. After looking into it my payment was made online. Flagstar requested proof of payment on an email. This email was sent on XX/XX/year>. Flagstar said it could take up to 14 days to review. Flagstar would continue to have their collections call looking for payment and I would have to explain to them the payment was paid and I sent proof to an email that they provided. Finally, one of the collectors suggested to check the online payment process with my checking account and that it may be stuck in that. The payment was sent to Flagstar but not processed correctly. I contacted Flagstar after finding the payment and returned to me I made the payment. I spoke to a supervisor about my late fees removed and my credit fixed. She agreed to do so because they found my email with proof of payment in XXXX. The next mortgage statement still had my late fees, and my credit was still affected. So, I called Flagstar again and spoke to a different supervisor and she said they would not remove the late fees and fix my credit. I tried to explain to her that the proof of payment was sent on XX/XX/year>, and wasn't contacted by anyone other than their collections. She still wouldn't change it.

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 2024-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a vehicle from company back in XXXX, over five years ago. I owed {$4500.00} on the vehicle, unfortunately due to financial hardships the car was reposed the car was placed to be reauctioned, I requested to pay the amount owed. Lobel told me I cant and I need to pay the amount due. a year later, I contacted lobel again to see if I can pay a lump some payment to remove account in negative balance, again lobel told me no. the car was then resold auction and no documentation was ever provided upon my request. I requested to pay the difference at the time, lobel told me no once again. lobel did not want to come to agreement regarding account. lobel then proceed to report to my credit companies inaccurate and false amount owed on account stating i owed {$9400.00}, which is incorrect. lobel financial had a class action lawsuit against them for the fraudulent reporting 's and accounts. somehow they still want to report to credit company and keep harassing me via family members

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries Creditor Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$10000.00}. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 S-2 section ( D ) ( A ) the term reasonable cause to believe that the information is inaccurate means having SPECIFIC knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. This account has been resolved and deleted due to inaccuracy and no provided proof of the charges by the other national consumer reporting agencies ( XXXX ) so where is EXPERIAN proof of the charge offplease provide the proof and update the balance to {$0.00} or delete the negative payment status on this account. 


XX/XX/XXXX Secured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 

I dispute the missed payments and late payments on this account ; in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have a right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Collection account fromXX/XX/XXXXXXXX with account # XXXX and a balance of {$1700.00}. The original creditor XXXX XXXX. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it OR delete this account.

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 2024-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
My student loan servicer is Mohela. I made a payment of {$2000.00} on XX/XX/year> to a Parent Plus Loan I took out on my son 's behalf. I have a copy of my Financial Activity Summary that I downloaded from the Mohela website that shows this payment was applied properly to this loan. However, before my loans were transferred to the new Mohela servicer website, that payment was reallocated across all my other loans without my permission ( I have six other federal student loans ). I did not request this. The only request I made was to remove my paid-ahead status from the Parent Plus Loan. This {$2000.00} was specifically earmarked for my Parent Plus Loan - some of the money came from other family members. I've asked Mohela on six separate occasions to fix this, but keep getting emails that they would but nothing happens. I would like this payment reallocation reversed and the {$2000.00} applied to the Parent Plus Loan ( as it was originally ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2024-09-01 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: Kriya Capital, LLC
State: NY

Complaint narrative:
I noticed my credit score dropping. When I checked my credit report I noticed fraudulent accounts where opened under my profile. This is affecting my ability to obtain credit and build a financial future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: DISCOVER BANK
State: NY

Complaint narrative:
I noticed my credit score dropping. When I checked my credit report I noticed fraudulent accounts where opened under my profile. This is affecting my ability to obtain credit and build a financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account has Violated my rights ( HUNTER WARFIELD INCXXXX XXXX of {$2600.00} ). I have never owed HUNTERWARFIELD 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 2024-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX That your information was exposed in the data break.

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 2024-09-01 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: NY

Complaint narrative:
Credit Reporting Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX Incorrect Charge-Off Entry on Credit Report I am writing to file a complaint regarding an incorrect charge-off entry on my credit report associated with account number XXXX reported by XXXX. This entry is erroneous and does not accurately reflect the status of my account. 

Account Information Account Number:XXXX XXXX XXXX XXXX The charge-off listed for this account is inaccurate. The account was charged off and subsequently sold to XXXX XXXX XXXX. Despite this, the charge-off entry remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. Under Section 1681i of the FCRA, when a consumer disputes the accuracy of information, the credit bureau must conduct a reasonable investigation and correct any inaccuracies. 

2. The collection account associated with this account was ceased by XXXX XXXX XXXX on XX/XX/year>. As a result, the collection account should no longer appear on my credit report. Section 1681c of the FCRA requires that once an account is resolved or ceased, it should be updated or removed from the credit report to ensure accuracy. 

3. Given that the collection account has been ceased and the charge-off entry is inaccurately reported, I have requested that the charge-off entry be deleted from my credit report. I have provided documentation supporting that the collection account was ceased and that the charge-off entry is incorrect. 


I have enclosed copies of the following documents to support my claim : - Records showing the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX - Statements or any other relevant documentation verifying the ceased status of the account -A screenshot of the account on my Equifax Credit Report I am requesting the CFPBs assistance to ensure that the erroneous charge-off entry is investigated and deleted from my credit report. I would appreciate prompt action to resolve this matter and correct the inaccurate information on my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I opened a Destiny Mastercard with Concora Credit online on XX/XX/year>. I responded to an offer through the mail, followed their steps for the process. I uploaded a photo of my government issued ID for verification and was approved. I set up my account with them online and the site suggested adding the card to my XXXX wallet so I could use it while waiting for my physical card, so I did. I used the card a day or two later at XXXX website. When I signed in the next day to check and see if the information had been updated, I was locked out of my account. I called to find out what was wrong and they said my account was blocked due to fraudulent activity. To unlock the account I would need to mail or fax a copy of my ID. I faxed my ID to the number provided that day. I called a couple of days later and they said they hadnt received the fax yet? ( Faxes are generally as fast as a phone can dial ) I was told it could take 5 to 7 days and to call back in 3 more days. I did, no fax yet. When I pushed about what was considered fraud I was told it was unusual activity. On my first purchase? I waited a few more days and called again to check, still no fax. I was then told after they get the fax it could be another 2 weeks for them to verify. I tried to escalate it and talked to someone else who said he didnt know why my account was blocked that it was either the charge ( which shouldnt have been ) or changing my address online which I didnt do. He also couldnt remove the block on my card. 

It is now XX/XX/XXXX. I am being charged fees on a card I cant use. There are numerous complaints of the same thing happening to other people. This is a SCAM company, charging people for credit they cant access, while effectively losing their personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
1. Accounts in Dispute : Account 1 : Comenity Capital Bank / XXXX Comenity Capital account # XXXX Account 2 : Comenity Capital / XXXX account # XXXX I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information. 

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX. I found out a young lady did try to help me through Bank of America when I talked to her she was very helpful her name was XXXX I wanted to find out my husband had been in the hospital since around XXXX the XXXX or XXXX I was unable to have any calls and get any type of information due to phone issues I didn't get a new phone until around XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX so I contacted the bank because I found out that my husband 's check was direct deposited somebody went to the ATM machine I was told on XXXX the XXXX XXXX at XXXXXXXX XXXX. and took one transaction {$1000.00} and then they turn around and took like {$1100.00} or XXXX I mean {$110.00} or something like that when I spoke to XXXX after waiting almost an hour at Bank of America he basically was very nasty in our helpful he told me I couldn't find nothing else out about this account the bank is basically not trying to resolve this issue and just let me know if that wasn't my husband at the ATM machine if it wasn't him then I know it was someone else they are not authorized to go in the account if the man is XXXX XXXXXXXX so if it was not him at the ATM machine then something needs to be done I want it whoever it was if it wasn't him fully prosecuted and the bank failed to acknowledge this they dismiss this and basically want fraudulent activity if they if it is some to go on and not do anything about it

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 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One Bank Date Opened XX/XX/XXXX Date Of 1st Deliquency XX/XX/XXXX 1st Reported XX/XX/XXXX Im disputing this as fraud I never got a capital one card an used someone opened a account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XXXX  CRRG states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CT XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged 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 explanation
Consumer complaint received 2024-09-01 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: IL

Complaint narrative:
i recently checked my credit report and noticed unauthorized inquiries these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went and received a new debit card from Regions Bank due to prior card expiring on XX/XX/XXXX, new card was printed and activated by the Regions bank on site, left and attempted to make a purchase and the debit card did not work, called the Regions bank and was informed its an on going issue and I could only come in and withdraw cash, have not received a working card or any assistance with the waste of gas and time resources required to the breach of contract by the regions bank denying me access to my funds unless walking into a Regions bank have attempted to get in touch with the Regions bank on multiple instances between XX/XX/XXXX and XX/XX/XXXX to no response being left without access to my account or money to pay bills or for groceries

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 2024-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
It is both surprising and troubling to receive a letter from National Credit Systems , Inc. claiming that I owe a debt. As your company appears to operate with questionable practices, let me clarify a few points. 

I was a resident at XXXX XXXX and opted not to renew my lease after experiencing multiple issues, including severe mold and XXXX instances where the ceiling collapsed. Upon returning from work travel, I found my living room and kitchen severely damaged by fallen ceiling and waterlogged wood. Given these circumstances, I exercised my right to exit the lease. 

Despite this, your company is attempting to collect a debt that is not yours to begin with. I have already sent a 1099-C to the IRS to offset this process and request the return of any funds. Additionally, under 15 USC 1692g, I demand that you provide verification that this debt is indeed yours and proof of any agreement that I signed contracting with National Credit Systems , Inc . 

I do not consent to the use of my personal or private information, as this could constitute aggravated identity theft. Furthermore, I do not consent to the publication of any information related to this alleged debt on ANY credit bureaus. Should any erroneous information appear on my credit report, I will have no choice but to pursue legal action against your company, which has no legitimate standing on a debt that was never yours.

Company response to consumer: Closed with explanation