vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
My mother, wife and I were contacted by United Collections Bureau about a collections account I apparently have. The first message said they needed us to verify an address, and that this was my final notice. An XXXX later another phone call came through for all three of us saying that my address had been verified and that paperwork was being sent over and that this was my last warning. The phone call came from a XXXX XXXX and a XXXX XXXX. This is the first time we have heard from either XXXX of these ladies and wondering why they are threatening us with final warnings. They never announce who they work for or if it is about a debit. I have audio proof from both calls about this situation. This happened today XX/XX/2024

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 2024-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
We received notice that Specialized Loan Servicing ( SLS ) had processed an escrow anyalsis for our mortgage loan and determined we had an escrow surplus. SLS issued an escrow refund check for $ XXXX and our payment went from {$5000.00} to {$4100.00}. I then noticed on that stement dated XX/XX/2024 that SLS was only holding out {$350.00} for our escrow and insurance and knew this would not meet the requirement to pay taxes and insurance as we had just paid over $ XXXX in property taxes. I called SLS in XXXX and made them aware of the shortgage. SLS said they would run another escrow analysis which made our payment from from {$4100.00} to {$6100.00}. I called SLS and on XX/XX/2024 and asked how do I pay back the escrow funds and she stayed on the phone with me and told me to login to www.sls.net and go to the escrow shortage screen and that I would need to pay {$8200.00} to get my payment back to the {$5000.00}. I paid the amount {$8200.00} which was the default amount showing. However, now my payment is {$5500.00} and the XXXX XXXX said I needed to pay $ XXXX back to get my payment back to the {$5000.00} ; that I still needed to pay another $ XXXX. I wanted to know why I had to pay back $ XXXX when they only refunded $ XXXX. SLS CSR kept saying they had mailed information on the $ XXXX to date I have not received any documentation referencing $ XXXX escrow shortage. I want my payment to the original amount {$5000.00} and I do not want SLS processing anymore Escrow analysis when they admitted to making a mistake with the first escrow analysis they processed and refunding escrow money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: LEXISNEXIS
State: NY

Complaint narrative:
I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite numerous attempts to rectify the glaring inaccuracies on my credit report, the bureaus have remained stubbornly indifferent! It's like trying to reason with a brick wall! How hard is it to get basic facts right? This isn't just a minor inconvenience ; it's affecting my financial standing and opportunities. I've jumped through hoops, provided documentation, and still, my creditworthiness hangs in the balance because of their incompetence. Enough is enough! It's time they own up to their mistakes and fix this mess they've created!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I attended The XXXX XXXX XXXX Minnesota from XXXX. Which Navient who is my private loan servicer. I was leaded in false advisements about job placements and salary numbers. After graduation I was burdened on not securing a job in my field and was stuck with an over inflated loans that I could not pay off!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Velocity Portfolio Group
State: NC

Complaint narrative:
I have items in my report that are not mine. 
CKS Prime Investments 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 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did.A mobile deposit on a check.They did not cash XXXX didn't do the transfer from my XXXX XXXXXXXX XXXXAccount ending in XXXXmy synchrony account and XXXX XXXX dollars and they will not release my XXXX XXXX dollars but it's available

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Since XX/XX/2024 I have been denied access to all of my business credit reports due to identity theft. Experian business credit reporting has denied me access to all of my information as well as denying me the opportunity to correct inaccuracies. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have reached out to them several times with no response. I have sent the certified letters for a response and have not received anything. My tracking number for the mail is XXXX My business names are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of correct, this account is not accurate. This account is showing twice on my business credit file and everything is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westcreek Financial
State: MI

Complaint narrative:
The company Koalafi continues to try to collect a debt that was included in bankruptcy. They have been informed that my bankruptcy discharge order was GRANTED. 
XXXX XXXX XXXX Board Certified Consumer Bankruptcy Attorney XXXX Ph : ( XXXX ) XXXX or XXXX Fax : ( XXXX ) XXXX MAIN OFFICE : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: CA

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I called Citibank to ask why my savings account was locked and I couldn't access functions such as transferring, withdrawing, deposits, account statements, and tax documents. In the past I didn't care about Citibanks lack of information/communication until I had to make a large purchase this past month for a vehicle. 

It was then when I found out through technical support that they had sent me a debit card to the wrong address/not sent it at all and seeing I never confirmed it placed me in an account hold since XXXX. This resulted in them locking my account without any confirmation or email that this had happened. 

There was no email correspondence or updates that a new card was being mailed out or to confirm the card unlike the messaging I got from XXXX XXXX and XXXX. This was a very frustrating experience that they choose to communicate like this especially with no physical branches in Arizona to discover why my account was locked. 

Calling customer service was quite good because the CSR and technical CSR found out the issue right away ( they were very professional even though I was very frustrated which I apologize about ) but the lack of communication through email or mail was very lacking. 

I'm glad I discovered this on my own as there was no message or notification that this had happened and I just assumed this was a site bug. ( There are many glitches with their UI/UX experience such as hard-to-find statements and tax information especially compared with XXXX  or XXXXl XXXX ) If I hadn't saved my tax document from XXXX I would have been stuck even longer in a locked-out limbo as there would have been no way to view my account number or information to validate.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
I underwent a XXXX XXXXXXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
The bank has made the decision to close my account without providing valid reasoning. They have also refused to release funds that are due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MA

Complaint narrative:
After disputing fraudulent information in my myEquifax account, Equifax will not remove the fraudulent information. This includes a name, birthdate, addresses, and multiple delinquent accounts that are not mine. I have provided Equifax with documentation to verify my identity and gone through their online dispute process multiple times since 2021, but the fraudulent information still shows up when I request my credit report through the myEquifax account. The most recent dispute states that they were able to verify the disputed information, which can not be possible since I've never had lines of credit at any of the companies listed in my report. They are also mailing the dispute resolution report to the person whose information is listed, so this person has access to additional personal identifying information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citicard Credit Card In XX/XX/year> I called XXXX XXXX XXXX in order to make my monthly payment using the Touch Tone System as I have done innumerable times and was transferred to a person. I was told I could make my payment with the person which I did. Then the person said I could have an offer of 0 % on purchases through the end of the year. I said okay and took the offer. 
In XXXX I signed on the Citicard website to generate a Virtual Card Number and was first greeted by a screen informing me I could make a balance transfer for XXXX XXXX and would be charged XXXX XXXX  for about a year with the monthly minimum payment being applied to interest and then the lowest interest rate balance. I took the offer and moved about {$4100.00} from XXXX to Citicard. 
In XXXX I called monthly to make my payments with the intention to pay all new charges above the initial balance transfer but my balance transfer had been mostly paid off. 
Why? Because of a scam! 
Citicard did not reveal any friendship towards me in this regard. No. It was a shell game and they were faster than my eyes. 
They used the last month of the initial 0 % offer to cover the new offer and deplete my balance transfer whilst I was making the prescribed payments only to find out I was being charged high interest rates on balances I was trying to pay off but was suckered into an agreement that Citibank 's computers knew would eat away at starting immediately. This is a crevice I fell into and I am sure many others have. I've been a good customer of this company. 
I was scammed. 
Note : Admission : Citicard is quicker than the eye.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments CAPITAL ONE Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.

Company response to consumer: Closed with explanation