vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Select Portfolio Servicing Inc. is the worst mortgage servicer I have ever dealt with by far. Not even close. They do what they want and when they want. Never in 29 years have I dealt with a company that is so incompetent and un-ethical in any industry. Report these XXXX  immediately to government agencies so hopefully they are put out of business or fined into oblivion. Keep in mind they will do what they can to foreclose on your house. They have canceled my payments twice in 2022. Not my choice but theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX 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 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I just reviewed my Comenity BJ 's My Perks MasterCard recent transactioins and was astounded to see charges posted which were reportedly made in XXXX OH. I have never been in XXXX OH, and it is very disturbing that Comenity BJ 's My Perks MasterCard 's " updated '' system continues to malfunction which such sensitive financial data as in person chip enabled transactions. Please review the attached pending transaction attachment. I did make corresponding charges using this card at a BJ 's in XXXX XXXX NY, and then at a BJ 's in XXXX, NY but I have never been in XXXX OH. Please correct these transactions forthwith to reflect accurate financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and 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 2022-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
Consumer Finance Protection Bureau Complaint XXXX XXXX XXXX XXXX with First Horizon Bank 'LOST THE PAPERWORK/FILE ' FOR THE 'PERSONAL LOAN ' for a 'USED VEHICLE LOAN '. 
NO VEHICLE MEANS NO 'XXXX INCOME '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: PA

Complaint narrative:
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 2022-07-07 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: PA

Complaint narrative:
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 2022-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I sold my property at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The mortgage company is PHH, originally with Ocwen. This was in a deferment due to Covid. The payoff of {$21000.00} was good through XX/XX/22. The loan was paid off XX/XX/22 with an escrowed amount of {$2700.00}. When I first contacted the company on XX/XX/22 I was told a check was sent to the old address on XX/XX/22. The the representative corrected herself to say the funds were escrowed for taxes & ins. I asked for a detailed statement to explain where funds went. After this conversation I contacted the local property tax division & the ins co in which neither had received payment. I called PHH back & was over talked, informed about the interest added daily in which I explained I was aware of that but that daily interest should be charged for those days in which it was paid off but I was told there was no overpayment. I was informed the loan payoff was good through XX/XX/22 & yes, they received the payoff early but that was it, it was paid off early & that was that, there was not any funds to be reimbursed. 
The letter I received from PHH specifically said there were no surplus fund & none would be returned. There was no statement explaining where the funds went. 
This is unacceptable. The customer service needs to be more customer friendly. They need to understand what they are telling customers & this company as a whole should be enforced to abide by the rules & regulations of mortgage loan holding. I talked to 2 representatives & was given 3 stories. A statement request should give detailed information, not merely a statement to say there was no surplus therefore you arent owed any money, especially when you have the payoff statement from the title company saying differently!

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 2022-07-07 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: AL

Complaint narrative:
Experian is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because Experian is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking Experian and XXXX how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If Experian and XXXX are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. Thank you

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 2022-07-07 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: DC

Complaint narrative:
I sent a letter to Equifax to REMOVED unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 XXXX Account # 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX 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 2022-07-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit Acceptance is in violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. Lenders are required to sell repossessed vehicles in a commercially reasonable manner, meaning they must be sold in the same way as other cars and for average market price. Unfortunately, I still have the car in my possession over the last several years. They have reported to my credit report a past due balance on my credit report.. I have called several times to have this car returned in 2018. Yet, this company hasn't done anything and continue to report a past due and late balance to my account. They haven't attempted to pick the car up.

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 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a letter from TransUnion dated XX/XX/XXXX ( Evidence Attached ). In the letter, a Litigation Support XXXX, XXXX XXXX stated that " We verify all disputed bankruptcies via PACER ( Public Access to Court Electronic Record ) ''. I received a letter from Verisk Financial LCI who obtains and sells " Public Record '' information to TransUnion who acts as a " Furnisher '' for the credit reporting agency. I have not given LCI written permission to obtain or transfer my " Personal Information '' or any alleged bankruptcy record to TransUnion using XXXX or any other source and therefore, this violates section 604 Permissible Purpose 15 U.S.C. 1681b ( a ) ( 2 ) and 602 15 U.S.C. 1681 ( a ) ( 4 ) which states fairness, impartiality, and a respect or the consumers right to privacy. In addition to the letter received by TransUnion, a completed dispute notice dated XX/XX/XXXX file # XXXX certified that TransUnion " Verified '' the bankruptcy record with the " Furnisher '' XXXX XXXX XXXX Florida. However ; this was contested on my original dispute by the XXXX XXXX ( Attached ) who stated that " The court does not report any filings to the credit agencies ''. Pursuant to section 611 ( a ) ( 2 ) 1681i, this disputed item is incomplete, unverifiable and must be deleted. Please be advised that this is not a dispute for " Verification ''. This is a complaint proving " beyond a reasonable doubt '' that TransUnion and LCI has violated several FCRA laws, and that all evidence presented shall be used against them. I have suffered emotional distress as a result of this record being reported to my consumer file.

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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/22 I filed two disputes totaling around {$80.00} for unauthorized transactions. Both of these were denied. I also filed a dispute with the credit card totaling {$22.00}. That was denied. I work hard for my money and I dont appreciate being treated as a criminal. On XX/XX/22 I filed several disputes totaling {$630.00}. I also realized later that the account was restricted. I want my money back that the thief stole from my account now. Thats all. After you give my money back Ill pay the credit card off and close both accounts. Im DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My situation is with Bank of America. Checks were deposited into my account and after a few days ( XXXX ) the checks appeared as cleared and funds deposited in my account. 

I made some payments with those funds already in my account and this morning they said the checks were fraudulent and they had to take those funds from my account. 

I called the bank and they said they gave me the funds because Im a gold member in BOA and they wanted to facilitate the funds but then they found out the checks were no good. 

I was baffled and confused because why should a bank clear fraudulent checks. For me they are helping the thieves to steal from their clients! 

All of the transactions happened on XX/XX/2022 and XX/XX/2022. Today the debits appeared in my account. Over {$3300.00}

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