vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I Have made a complaint already on XX/XX/XXXX, Complaint # XXXX. Against Portfolio Recovery Associates LLC. They had bought XXXX charge off 's, One from XXXX XXXX Bank, XXXX. # XXXX, One from XXXX XXXX Bank, Acc. # XXXX. XXXX, XXXX continue to harass me. I sent them Postal Money Order reciet 's, but they didn't believe me so they kept on harassing me. I paid of the both Credit Card 's off in the year of XXXX. But I lost a reciet from XXXX XXXX, a {$50.00}, and XXXX from XXXX XXXX, a {$150.00}. But I did pay them off in XXXX. As I Received my Pension from the Military 100 % XXXX, I wrote them to tell them that, they won't be receiving any money as I paid off the both cards. I was going to small claims court for these both credit card cases in XXXX XXXX, but the co-vid hit in XXXX, California.They canceled all cases. What I Think is, they know they got taken to the bank in other words. They've lost so their very angry. So they get their pleasure from destroying my credit rating for the last 5 years. I'm going to court if I can to get them for financially. So they'll think twice about it next time. Thank You, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: MI

Complaint narrative:
I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX  ). 
The debt was garnished by a company named Rausch & Sturm/ XXXX XXXX XXXX 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in 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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I try to open a bank account with Regions but it's not let me and I don't know why

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 2022-04-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
victim of identity theft submitted all corresponding documents to the bureaus. and they still have not removed this fraudulent account from my report. I am very distressed about this.

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 2022-04-04 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: FL

Complaint narrative:
Accounts on consumer report that should not be. Please see the attachment. Previously submitted complaint on, refer to complaint 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 2022-04-04 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: CU Alliance, LLC
State: MO

Complaint narrative:
A Creidito shows a hard inquiry, Alliance, CU. I have not filed for credit with above mentioned creditor nor gave permission for credit check. This impacts my credit score. Request this creditor remove themselves from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, a caller from Comenity Bank called me and told me that I owed {XX/XX/XXXX} in due on a credit card. I told the person I can guarantee {XX/XX/XXXX} on that day, but she kept telling me to pay {XX/XX/XXXX} right now or later before the month is over. I told her what I had to pay right now but she kept telling me in a aggressive tone to pay the current amount. After hanging up the conversation, I checked the account of the debt and it shows {XX/XX/XXXX} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1- XXXX XXXX XXXX XXXX XXXX know where it came from or who did it but it says unspecified inquiry that i didnt make is fraud. i call the company they say the same thing. 

2- XXXX XXXX XXXX : I CALL the company provide them with my social and information and they cant find any information they told me to contact you you guys as well the cosumerfinance team they have no record of me or anything of the sort. 

3- US SM BUS ADMIN ODA : When covid 19 came a-lot of people was doing fraud on accounts and i think my was one of them dont recognize this inquiry please verify thank you. 

4- XXXX XXXX XXXXXXXX XXXX also made and inquiry to my report but they number never work is no way of contacting this bank and idk where did it came from please verify 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 non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This company lies and have put this debt on my credit report under false pretense. XXXX the XXXX has yelled at me, called me remedial and hung up in my face after I told her the debt was invalid and I want it removed. This debt was added to my report without. my knowledge. I was made aware of that debt after it had been ok my credit report. I did not speak with this company at all. They are telling me they spoke with someone regarding the debt but it was not me. They are lying and refuse to remove this invalid debt that I was unaware of. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022

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 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022

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 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I used Affirm to purchase a kayak from XXXX. I did receive a small payment from XXXX, but it was not for the full amount of the kayak. XXXX should have paid the full amount to Affirm. Instead I am stuck with a massive bill. With interest, I have already paid over half of the amount of a kayak that I returned as soon as I received it. Moreover, I was making payments for 6 months to Affirm before I even received the kayak. This should have never been set up like that. Please also look into XXXX, as they should not be allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXX AT T XXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
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 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 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
Just received a letter that I have a debt collection for {XXXX} from XXXX XXXX with the letter head mentioning the reference date of XX/XX/2022. The debt is from XXXX/XXXX/XXXX. I never had any contract, bill, service with XXXX XXXX. Do not know where this debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
On XXXX I requested a refund from XXXX XXXX for a service plan called in XXXX. XXXX. Per their policy this is refundable 30 days after the vehicle purchase which mine was on XXXX. I have requested that they issued the refund but have been given the run around by XXXX ( XXXX from accounting department ) and from XXXX ( XXXXdealersip general manager ) I request that they issue this refund for the service plan that was cancelled in the amount of {$1400.00} and send it to the lienholder at Lien holder mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-04 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent INQUIRIES XXXX XXXX XXXX  Date of inquiry XX/XX/2021 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: PA

Complaint narrative:
On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.

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 2022-04-04 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: PA

Complaint narrative:
On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
On XXXX I signed documents for a loan modification on my house through Ocwen Loan Servicing , LLC. The modification went into effect XXXXI filed for XXXX  XXXX Bankruptcy XXXX. All payments were taken directly from my paycheck. The loan servicing either changed hands or name to PHH Mortage Services. It is now XXXX in C/O PHH Mortage Services XXXX My Bankruptcy has been paid off. After the Bankruptcy I started using a third party company to make my payments, In XXXX of XXXX  I requested a payoff. That's when I discovered that during the loan modification there was a non interest balanced placed on my loan. I received a letter from XXXX dated XXXX that I had a surplus in my escrow account and I would be receiving a check for the amount of the surplus. I received the check around the time I received the payoff letter. That's when I was made aware of the non interest balance. I tried to apply the check to that balance. XXXX would not allow me to do that. That's when I discovered that there was a clause in the loan modification that allowed them to put this balance on my loan. I was not aware of this at the time. My main concern that that I was keeping my house. I have been making my payments on time for a good while now and want this balance taken off of my loan. I don't believe this balance is right. I believe that the company used my situation to benefit themselves and it has put me in worse financial shape then before. The payoff is more than what the loan was for to begin with. I have been in this house for almost 17yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Talked to TransUnion several times about following FCRA and they still fail to do so even after sending them documentation from the XXXX XXXX XXXX Illinois Docket # XXXX. Theyre reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). They continue to send me a dispute report that states it is accurate and they dont have to reinvestigate since I have disputed this before. They have also failed to update another account ( XXXX XXXX XXXX XXXX XXXX which was settled since filing a complaint with CFPB and disputed, still shows up on my report with a balance when it was paid off please see attached receipt and another violation on behalf of TransUnion.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I sent my legal tender of payment to Citibank. Where they opened a dispute to research my inquiry. They are opening a dispute like if they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a Natural Person. With my signature being on the promissory note and the only signature on it. Citibank is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit. This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.

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 2022-04-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My name XXXX XXXX I would like to file a complaint aganist bank of the west which had given me a fresh start know that i was going ti be charge any monthly fee with having to make a certain amount of atm deposit which will wiave my fee that never was the case i was getting charge nonthly fee of XXXX dollar for about a year and then when i was going through a hard time dealing with covid i was in debt that left me to get overdraft and i had contact them through a personal message and over the phone they had no Sympathy for that they charge me a overdraft fee of XXXX dollar that add up to XXXX something dont know exact so i just left it alone untill i got a letter saying to make my payment to what i owe i refuse to pay knowing they coudnt work with me when this start happening hoping they would waive it to where i can still be a customer there but all im asking is to be refund the monthly charges and for the stress and i never even got my bonus as a new cumstomer opening up a checking out as they Advertise so im a unhappy customer who wasnt treated fairy itstead was put in debt with something that could be resolve if i was give a chance to fix thing instead of being in debt so im looking for action be take what i owe be waive abd refund be taken with the the promise of starting fresh and not being treat fair.

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