vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: NJ

Complaint narrative:
XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NJ

Complaint narrative:
XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.

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 2023-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Ave Student Loan Servicing, LLC
State: AR

Complaint narrative:
CollegeAve loan company is the company I have a private student loan with right now and I have filed a complaint against them very recently over their collection practices of harassing me AND my parents to collect on the loan I can't afford to pay any longer. I was told to call XXXX to arrange payment/settle. So I did. The gentleman I spoke with refused to even settle for half and instead sent me to a benefits specialist to see what kinds of " options '' I had until I could make payments. He refused to understand that I could no longer afford payments. So whoever responded that I could call the above number to offer settlement absolutely LIED to me. They don't care that I can't afford payment and won't be able to afford payment in the future. They want ALL their money. In case they haven't noticed, inflation is sky high. Food prices, gas prices are through the roof and my house payment has gone up due to prices of everything else going up. My homeowner 's insurance has gone up, which made the house payment go up. The property taxes went up as a result of the increased home values. That ALSO made my house payment go up. My car insurance has gone up as well due to no fault of my own as I have had no accidents. So CollegeAve needs to accept anything I can offer to settle to get rid of them for good. I have attached a screen shot of CollegeAve 's response to the first time I filed a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XXXX of 2021, GoodLeap/LoanPal mistakenly backdated a solar panel loan. This was resolved through XXXX  complaint XXXX. 

GoodLeap has now filed a delinquent report over the same period where they were erroneously demanding payment that was not owed. 

An attempt was made to contact GoodLeap to correct their erroneous report. Their representatives refused to take any action, and merely suggested that a dispute should be filed with XXXX XXXX XXXX', which is neither a solution nor possible for a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: LendingUSA
State: TX

Complaint narrative:
This complaint is to report the inaccurate credit reporting by XXXX. The account FA - LENDING USA XXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, FA - LENDING USA has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
On XX/XX/2023 I noticed the debt collection on my credit report. I called Congress collection to inquire and he was very aggressive in his way of communication. I simply asked for the following to be mailed to me : proof of my wet signature and/or contract with the physician, the creditor information, payment history and the itemized billing information, and proof of ownership for Congress Collection . He said he does not have to provide me with any of those and in order to receive an itemized bill, I must put in a request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA opened a fraudulent checking account under my name. I recieved a letter from their representative XXXX XXXX who authorized the identity theft fraud. 

Now Ihave a bad report from my consumer services report that they never fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I made a several Phone calls to Loancare on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning missing HAF payment for the month of XXXX. I informed each representative whom I was speaking with that HAF reportedly sent the XXXX payment on XX/XX/XXXX, however the payment was not applied until XX/XX/XXXX. On XX/XX/XXXX I called Loancare and spoke to a representative who told me my XXXX payment has not been received. I explained to the representative that XXXX stated the payment was sent out the beginning of the month for XXXX. Loancare is not applying HAF payments made on my behalf. This has been going on since XXXX. I am told by Loancare representatives to call XXXX and when I call XXXX XXXX told payment is sent out the beginning of every month. XXXX not sure what to do with the inconsistencies with Loancare.

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 2023-01-30 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: MS

Complaint narrative:
They declined to remove fraudulent accounts.

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 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2023 Received several emails notifying me an account was being set up with Bank of America ( BoA ) spanning from XXXX until XXXX. The last email notified me that the email associated with the account was changed from my personal account so I had no access to the created information. I had not requested any of this nor ever had I done business with BoA in the past. XXXX I confirmed the emails were legit and there was an actual acount opened I contacted BoA through the main number associated with their website not from the emails around XXXX. I was connected to the fraud department and was notified that my personal information was used including my address and SSN to open the account. Fortunately, no activity had taken place and the account was closed. BoA reported that I would be receiving an email detailing this information in 7-10 business days. I was provided a fraud protection suggestion page which informed me to place an alert with the 3 credit bureaus and XXXX. I also took extra steps to change all passwords to important accounts and verify credit history for information on any other possible issues. On XX/XX/2023 I received another email reporting that I was attempting to set up another BoA account. This time it stopped with the first email asking to verify my email. I contacted BoA again and was told I should place a freeze with all the credit bureaus and XXXX. I was able to do this and also went beyond with requesting an PIN from the IRS and checking into what is needed to freeze a SSN. Currently waiting to see if further fallout happens...

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is unusual in that when I asked for a new card to be issued because of possible fraud they did issue me a new card but hasn't come in the mail as yet & it was supposed to come by now. I just called and asked why and they said they needed my Driver 's license faxed to them via my smart phone. I do not own a smart phone so we sent it another way. I received via my e-mail the FIRST TIME they asked in an e-mail notice they DID receive the copy of my license, however when my snail mail card has not arrived and I called just now they are claiming they never got it! I saved the e-mails from them the first time they asked that they did! It all sounds " funny '' to me! Are they even supposed to ask for your driver 's license and ID in the first place????? It feels wrong that they are asking for that kind of information. I've been a customer of theirs for a long time now and never missed a payment ... ..This all from Capital One Credit Cards . Needless to say I am closing that account and going to go to another Credit Card company as I have NEVER been asked to do that before by any company and I have very good credit. it sounds very suspicious to me & I can actually say I've never missed a payment for anything as long as I've been an adult and had a job. So what gives???? Is this even kosher to do???????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
There have been in the past months trouble and harassment from Bank of America ( XXXX ) account. I have automatic payment at the end of the month, so payment is never an issue. I have experienced constant from BOA employees from disputing a charge, the male employee gave me a hard time about disputing the charge to today XX/XX/XXXX my charge card was reported stolen, not by me. I spoke to XXXX this morning who stated he has no idea why or who reported my card as stolen when he reviewed the note, he stated I even responded to an e-mail and confirmed I made a charge payment. I have spent many a phone call with BOA and feel the last BOA employee reported my card as stolen. I will report to the Delaware attorney general of BOA Deceptive practices and harassment to US consumers and elderly. I should not have to keep track of who I speak to at BOA or Bank of America, but it seems I do. A new card is being mailed out to me as of today from what XXXX informs me, but I have spent a lot of time dealing with BOA harassment and deceptive practices. My XXXX XXXX number are XXXX XXXX XXXX XXXX exp. XX/XX/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 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I received a paper statement which showed a transaction charge of {$190.00} for " BESTBUY XXXX XXXX. I did not authorize this purchase or renewal, nor did I receive any documentation in the mail about any renewal. There is nowhere on my BestBuy account webpage where I can find an option to cancel any automatic renewals or cancel renewals such as this. This is extremely misleading and frustrating. Especially since I literally just completed paying off this card. I reported this to BestBuy and tried to use their chat feature online to no avail.

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 2023-01-30 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XX/XX/2019 My vehicle loan was paid off early. I had acquired XXXX insurance. I never received the balance that I was charged on the loan. Contacted Wells Fargo and they said they're not responsible for the balance.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had a collection for the amount of {$700.00} under the name XXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX  that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am a Truist bank customer. I have XXXX set up on my checking account to pay a credit card balance to an outside bank XXXX XXXX XXXX XXXX. In XX/XX/2022 I revised the auto payment from $ XXXX to $ XXXX to make sure the minimum payment was being paid. For the month of XXXX no payment to XXXX XXXX was issued - not {$250.00} or {$450.00}. I was charged a {$40.00} late fee by XXXX XXXX for a late payment in XXXX that I had to issue directly. I was told by a Truist customer service agent that they are making system upgrades and there might have been an error and that is why the payment was not issued. I also heard from another customer service agent that when auto payments are revised they can take a month to take. Either way, the bill pay service that I relied on from my bank, which shows the auto payment for this account as " ON '' did not work as promised causing a late for me and a negative mark on my credit which I am desperately trying to improve and manage.

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: ID

Complaint narrative:
Loan servicer BSI Financial Services in connection with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  illegally foreclosed on our home. They created fraudulent documents and " harvested '' our home. This took place XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is EQUIFAX 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that EQUIFAX only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

EQUIFAX is reporting 5 late payments on the XXXX XXXX XXXXXXXX accounts ending in : XXXX XXXX XXXX XXXX XXXX All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. These items shall also be REMOVED as any DELINQUENCY or DEROGATORY event on my consumer report. Furthermore, persuant to 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, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, EQUIFAX is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided EQUIFAX with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NC

Complaint narrative:
Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX credit but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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 — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation