vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/22 I was notified a credit card issued by USAA was onmy credit report. After many phone calls with the reporting agencies, i was able to have that corrected. 

-The PROBLEM : The issue is that USAA has established a profile on me, from over 30 years ago, A profile in which " I '' have had NO accounts with USAA XXXX 30 years ago, they said I requested " info '', but that was the extent of the inquiry. " I '' have NOT opened ANY USAA accounts in my life. 

-PROBLEM Cont. : USAA is REFUSING to delete " MY '' profile. If this back is regulated, what gives USAA to maintain my profile, which USAA issued a CREDIT CARD to a Criminal, and NOW, they still want to maintain MY DATA on their servers? USAA were the one that FAILED in this issue, by ALLOWING a criminal, to open an account in my name, and then send it to an address I have not lived in 15 years, the sent AGAIN, to an abandoned hotel, in a state I DONT EVEN LIVE. 

USAA FAILED to protect MY data before, and they SHOULD NOT be allowed to maintain MY DATA against MY WISHES. That is MY DATA, MY INFORMATION, NOT USAA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Rocket Mortgage In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 16666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XX/XX/2014 Portfolio Recovery purchased this XXXX XXXX account Attempts have been made to advise PRC that this account was taken out without my knowledge or consent. I have been looking for any paperwork with my signature on it and it has not been provided. 

This debt is time barred at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Attempted to contact company several times and have not received a response from anyone. 
Company : XXXX XXXX was acquired by XXXX XXXX. Neither company is helping us to get a lien release for a vehicle that's been paid off for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i have called and disputed with Equifax and disputed online which i will attached documents as well police report. They keep coming back in 10 hours stating its mines when it's not.. I would like thgese inquires removed ASAP Delete all three inquires asap DELETE ALL THREE INQUIRES ASAP LIKE NOW BECAUSE NO PROOF CAN'T SUPPLY PROOF BECAUSE I DIDN T APPLY EVEN THE CREDITOR STATED THEY HAVE NO KNOWLEDGE OF MYSELF APPLYING FOR CREDIT WHEN I CALLED. YES I CALLED ALL THREE CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I got a new phone and locked myself out of online banking app didnt recognize my device, I contacted Chime member services multiple times and they adv that I Had send in document to the email which I sent dL, Phone bill with number, I also sent proof of address and I was told someone would get back to me within 24-48 hours no one reach out until the 3rd day requesting the same information and I adv them that I had already sent will send again. I called multiple times adv them that I need to use my account to pay my bills all my money is in account, which had cause my electricity to be shut off as well as phone bill, I spoke with several supervisor only thing they can do is send an email and esculate the case. I was told multiple times that someone is working on getting restriction off acct I have yet to get into account I continued to reach out and was adv that if I keep responding they are going to extend the time of working on my case please help I am a single parent of 4 and need to pay my bills,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I disputed the account. In XX/XX/XXXX I have talked to Capital One Auto Finance dispute office. I have filed several disputes and received no response. 
I did not make any late payments and this company reported my Capital One Auto Finance report late since XX/XX/XXXX. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company is also not allowing me to exercise my experiences which is violating pursuant to 15 USC 1681a 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX loan agreement was for 62 months. I am schedule to payoff that loan XX/XX/XXXX. I haven't missed any payments and I may have been late 1-2 but I don't recall ever been more 10 days late. I reached out to American Credit Acceptance because I notice the balance was incorrect and if I continue to make my regular payments it would not add up to the balance showing on my account. I was first told that my payoff date was incorrect although it clearly stated on their website the 62 months and XX/XX/XXXX was when the term should end. Then I was my installment did not matter because I wouldn't finish paying the loan off until maybe 10 months later because my loan is accruing a daily interest rate which might extend my loan longer than the 10 months. If I didn't pay off the loan by XXXX, I would have to sign some type of agreement to extend the loan. I have purchase quite a few cars in my life and I have never experience anything like this before and I have never had to pay 10 additional payments on any type of loan unless I request a payment extension and the payments are attached to the end of loan. I have not done this at all on this loan. I have also reached out to XXXX Auto to get a copy of the original sales agreement because they bought out XXXX XXXX XXXX several years ago and XXXX XXXX will not call me or respond back to my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The late payment information that the creditor is supplying to the CRA 's is causing stress & hardship due to the effects it's having on my credit report. Per Billing Error 15 U.S. Code 1666b, the creditor is illegally reporting the transaction on my consumer credit report & I demand to have the illegal late payment removed.

In addition, under 15 U.S. Code 1681b, there has been no written consent or permission to report this inaccurate information to my credit report, which accounts for grounds of removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 Adverse action was taken against me due to unfair and inaccurate consumer report. I was denied personal services by XXXX XXXX and the reason for was because of the consumer report score. They did provide me with Experian information which is the source of where they got the information. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) Consumer reporting agencies must have permissible purpose written consent from the consumer to furnish such information. I also find inaccurate information on the consumer report including names addresses and accounts there's also inquiries that is showing in which I received no benefit or have any knowledge of that I wish to be deleted. Experian has 14 days. It is your responsibility to make sure your being fair and protecting my right to privacy. 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 2022-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today is XX/XX/2022. On XX/XX/2022 my wife & I successfully established links from our XXXX savings accounts at Capital One Bank to two external bank accounts at XXXX Bank, both being on-line banks. This included entering 2 trial deposit amounts that Capital-One placed in each of the XXXX XXXX XXXX  accounts XXXX Then from within the CapitalOne website, we each made transfers from each of the XXXX XXXX Banks to each of the two CapitalOne savings accounts. One transfer was less than $ XXXX and the other one around $ XXXX. On XX/XX/2022 we get emails from CapitalOne to inform us that due to " unusual activity '' they were restricting ( which turned out to be freezing ) each of our two accounts. I contacted them and they claimed that they had to put a hold on the transfers for 15 days. At this time, we can not withdraw anything, but can only deposit to the two CapitalOne savings accounts. I believe that this is unreasonable! We are not terrorists nor money launderers. Meanwhile, the amounts have been deducted from the XXXX savings accounts & transferred to the CapitalOne accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Addresses that I have no association with has been added to my consumer report and Ive called serval of time to ask why and haven't gotten an answers. I even call credit furnisher and they gave me the run around to re contact the source of the companies that gave this false information XXXX XXXX XXXX XXXX Wrong address being reported on my reports XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 : States I have the right to Privacy. 15USC1681 Section 604A section 2 states : also reports that a consumer reporting agency can not furnish an account without my written authorization. Under 15USC166B ; A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX APPLE CARD/GS BANK USA has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Porania, LLC
State: FL

Complaint narrative:
XXXX XXXX this debt on XX/XX/2020 amount of {$5500.00} granted removal of this debt reporting on my credit report this bankruptcy is effecting me im requesting to remove this debt off.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
Fake company calling with with threats of legal action attempting to collect fake debt Enhanced Rec Co XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I purchased a vehicle on XXXX I got rushed out of the office where we made the cell at XXXX at XXXX at night everybody was closing the doors up I asked about the gap nobody told me anything I ended up getting broadside at the next morning next morning looked in my paperwork and there was no gap I called them they were no help they told me you signed the paper for no gap I said your guy pushed me out of the office told me to sign here sign there and did not explain anything or let me read anything now I am gon na be {$7000.00} under Because they did not give me the gap my vehicle was a total loss it had 22 miles on it done it and they will not help me in any way I asked him to add to gap the next morning They will not help me at all Somebody please help me my number is XXXX thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I had applied for XXXX on XX/XX/2022 due to me losing my employment and had reduction in hours. HAF of Michigan had sent over my application and requested my loan information XX/XX/2022 from Caliber Home Loans. HAF have attempted to call and email my mortgage servicing company ; Caliber Home Loans on multiple occasions. These dates include, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, Caliber Home Loans have not returned any emails or calls. I also have attempted to contact Caliber Home Loans on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in which customer service representatives keep implying they never received emails from XXXX. I also attempted to reach out to the main point of contacts for the Michigan HAF program, in which I emailed them on XX/XX/XXXX. The following representatives for XXXX in Michigan with Caliber Home Loans are XXXX XXXX, XXXX XXXX and XXXX XXXX. When I wrote these individuals via email, they have not responded and still have not responded or updated me.

Company response to consumer: Closed with explanation