vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: OR

Complaint narrative:
While US Bank tried to avoid the real issue in the complaint and make it look like the reason they have not communicated with me was due to not having the proper documents to do so, I have proof they have had the claiming successors deed since XX/XX/XXXX. See attached doc. 

THE ISSUE. 
In XXXX, US Bank put a home equity line of credit mortgage on my father 's property that he jointly owned with myself and my XXXX siblings. US Bank did not get our signatures or consent to the line of credit loan and they are now trying to foreclose on property that they do not own. At best, they have a lien on XXXX XXXX of the property. This mortgage was executed at the height of the XXXX financial crisis and I do not believe that my father, now deceased, had the mental capacity to enter into a loan agreement of this type. Since US Bank only had authority to lien XXXX XXXX of the property, that is the only portion of the property that they are able to foreclose on, if at all. Also, because the loan only covered XXXX XXXX of the property, it did not meet prudent lending or underwriting standards. US Bank should have been aware of other owners, since a title report was prepared at the time of the loan. 
See attached deeds showing all XXXX names on deed and US Bank showing only XXXX XXXX as owner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed all the below accounts with TransUnion with a telephone agent on XX/XX/XXXX. All these accounts were paid in full to a XXXX balance, which is the reason I disputed them. Within a week or two of the dispute TransUnion updated the accounts thereafter to reflect the XXXX balance. I have an on line account and membership with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and TransUnion. I was able to view on line all of the above platforms with the exception of TransUnion, that all these disputed accounts were updated to a XXXX balance on my TransUnion credit report. My Tranunion credit score on XX/XX/XXXX was XXXX. On XX/XX/XXXX I reviewed on line XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX and realized my XXXX score dropped XXXX points to XXXX due those same XXXX accounts with balances close to the credit limits, that caused a high utilization rate that affected my fico score.Those account balances were back reported back on my credit report with the same old balances from XXXX. I contacted TransUnion on XX/XX/XXXX to redispute those same accounts that all should show XXXX balance previous. I dont understand how TransUnion can can make these reporting issues that have affected me obtaining financial products with favorable terms for my personal life and for my business. All accounts were paid to XXXX XX/XX/XXXX, with the exception of XXXX Loan, which was paid in full on XX/XX/XXXX.Those accounts are active account XXXX XXXX XXXX {$1600.00} bal/ {$1800.00} credit limit, active account XXXX  XXXX {$960.00} bal/ $ {$1700.00} credit limit, active account XXXX  XXXX {$470.00} bal/ {$1700.00} credit limit, closed due to payment in full XXXX loan {$3000.00}, XXXX {$360.00} bal/prior closed account in XX/XX/XXXX. Recently this week I have applied for credit card products and business funding that I was denied due to TransUnion miss management and handling of my credit report. My business needs are held up now until this is resolved and my fico goes back up to the same XXXX or same excellence area it was in prior to this violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to Cushman V Transunion 1997 Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete Accounts from my credit report because they are reporting inaccurate and misleading information how can accounts be showing all different Dates of last activity along with several other errors I want accounts deleted from my credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX I also all unaccount related inquires removed listed below Inquiry Name DATE of INQUIRY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
A debt that is attempted to be in the amount of {$21000.00}. Oh, this account was opened in XX/XX/2023. I have no agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have an upgrade credit card and there are multiple fraudulent charges and Upgrade credit card is not willing to investigate this instead they are declining my report even though i have provided them with police report and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give XXXX, XXXX nor Equifax written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give XXXX, Experian nor XXXX written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In 2018, my bank account with Bank of America was listed as fraud. Someone hacked my account and got access to my passcode. They withdrew money and then claimed it was fraud but Bank of America stated it was me and I told them it was fraud. I have not been able to open any bank account with any bank at all.

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 monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and discovered an inquiry that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was notified by XXXX that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure XXXX XXXX XXXX has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX XXXX account -XXXX XXXX  {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
I was notified by XXXX that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure XXXX XXXX XXXX  has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX XXXX account -XXXX XXXX {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt. 15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
We requested a pay off from Credit Acceptance on XX/XX/XXXX, our bank sent the payment XX/XX/XXXX, and Credit Acceptance said there was an additional payment in the amount of {$200.00} that was due the XXXX that was not paid, Credit Acceptance didnt reach out and let us know they would not be processing that payment and left our account open, and as of XX/XX/XXXX they still left our account open and hurt our credit. We have since sold the car and now Credit Acceptance is saying we owe nearly {$500.00} dollars since XXXX as they never closed the account with them AFTER our bank sent the payment ( and Credit Acceptance accepted the check ) They have continued to charge us behind our back and not letting us know they have done so. When we reached out to them about this issue we were told Well maybe if you logged into the customer portal more, you wouldve seen these payments not made, and we will get back to you within 72 hours on whether or not you owe this due to you not being responsible for checking the account.. we were under the assumption that once our bank sent the payoff amount- we were done dealing with Credit Acceptance so there was no reason to check the customer portal not only was Credit Acceptance dishonest with the payoff amount they were also very sleazy in customer care when they are at fault for the shady business deal behind our back. We would NEVER recommend them again, the interest rate alone shouldve been the red flag from the start.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My friend, XXXX XXXX sent me a link to apply for a credit card from Capital One. If I did, she would receive {$100.00} incentive. I got the card, but she never received the {$100.00}. I called and they told me that if I already had a card with them, then she would not receive the money, this was for new customers only. This was not disclosed on the online application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a credit card with Chase in early XXXX, and was kept in a " pending '' state for more than 30 days. During that time, I made several calls to Chase ( XXXX, the number Chase advertises as where to call for a credit card application status ), and the automated system consistently told me that Chase is reviewing the application, and that I should wait to hear from Chase. When I reached a customer service agent, I heard the same thing. 

Finally, after 30 days, Chase informed me that I would need to apply. They gave contradictory explanations of what happened, but eventually concluded that they just needed me to confirm that I actually submitted the application. However, due to lack of contact from them, and wrong information provided to me, I could not actually provide that confirmation. 

I'm aware of a legal requirement of Chase to have responded within 30 days. https : //www.consumerfinance.gov/rules-policy/regulations/1002/9/ # a. On a call with a representative from Chase 's executive office, they expressly denied any accountability for failing to abide. 

I should also note that, after 30 days, Chase attempted another hard pull on my credit report without my consent. Luckily I had a freeze at the time. In communications with Chase, they claim that that was the issue, and that I need to unfreeze my reports. But that's not the issue and is rather an instance of strawman fallacy. Chase acknowledges that my report wasn't frozen in XXXX, and that they did run a hard pull and obtain the information they needed. The freeze they're bringing up pertains to an attempted second hard pull performed without my consent. This is about Chase failing to properly review my application and communicate with me in the 30 days since my initial application. 

Also Chase said that they sent me a letter asking me to confirm that I had applied. However, the letter was never received. In fact, the US Post Office provides a daily digital preview of my mail before it's dropped off, and these emails indicate the mail never made it to the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX dollars i had in my bank account all i have to my name to feed my family and pay bills they closed my account i called even went to the branch refused to even tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The Company is XXXX XXXX XXXX. The collector is Professional Debt Mediation. The amount is {$12000.00} Contacted by phone and mail about a past due balance for a rental. I haven't rented this property. I haven't rented a property in the state of Florida in over 20 yrs. I own my own house. 

I responded via letter that they have the wrong person. They sent a copy of lease agreement that I have never seen, nor signed. Photo of DL was sent, with an address I lived at years ago, my deceased fathers house. The photo was also of XXXX XXXX XXXX XXXX, I am XXXX  Definitely not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2024 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
Southwest Recovery Services at XXXX called me multiple times about a fraudulent account in my name. They say I owe {$6300.00} for an account with XXXX XXXX XXXX. I never set up an account and I told this this is identity fraud. I reported it to XXXX and XXXX. My record of payments for debt is perfect and I will not pay for identity theft. This started in XX/XX/XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent in a debt validation letter and they sent me a letter with the California licence pending meaning there not required to collect debt by law it needs to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX.I never promise to owe or pay them anything, because I never signed a contract with them. They did not provide me with the original contract as requested. The continued reporting of this inaccurate information is a clear violation of the FCRA and more so a violation of 15 USC 1681 s-2. This has caused me and my family harm, due to the negligence of the inaccurate reporting. I would like this collection removed from my account expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I contacted discover to validate and send me evidence of the late payment, because I made all my payments monthly never missing one payment.

Company response to consumer: Closed with explanation