vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
XX/XX/XXXX they told me I qualified for increase denied again second time

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I did a 0 % balance transfer and am being charged interest on the " balance transfer fee '' that I was assessed. No other bank that I have done the same with has ever charged interest on the balance transfer fee, because, as I have been told by other banks, it is a fee and not subject to interest, but this bank considers it a " purchase '' which is subject to interest. 
I believe this is not the case as it is a " fee '' and not a purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2024-04-08 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: AL

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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgages Services, LLC Account number : XXXX Property Address : XXXX XXXX XXXX, FL XXXX Carrington was servicing our mortgage at the time of closing The closing was handled by : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Office Phone # XXXX ( Contact XXXX XXXX XXXX XXXX ) Prior to the closing, which was scheduled for XX/XX/XXXX, XXXX XXXX requested a payoff quote from Carrington , Which was received and indicated {$260000.00} with a good through date of XX/XX/XXXX which allowed for the upcoming XXXX  day weekend, just in case the closing didnt occur in time for funds transfer on XX/XX/XXXX. The quote also directed the title company to call before the closing to verify the amount, this was done on XX/XX/XXXX, at which time the payoff amount was confirmed and the closing occurred as scheduled, completed by XXXX XXXX. on the XXXX finishing too late for a wire transfer, to Carrington that day ( Cut off is XXXX XXXX for wire transfers ), so the transfer was completed XXXX soon as possible after the holiday The wire was sent the morning of the XXXX, and was in Carringtons account at XXXX pacific time on the XXXX. For an unknown reason, Carrington did not attempt to apply the payment to my account until after their cuttoff time ; at XXXX pacific ( XXXX XXXX Eastern ) on the XXXX, a day and a half after receiving the funds, which is when they generated a new payoff quote and called us and said it was short {$1500.00} in legal fees. We not only paid the proper amount at closing verified as good through the XXXXtTHE AMOUNT WAS VERIFIED BY CARRINGTON THE DAY PRIOR TO CLOSING AND SUBMITTED WITHIN THE SPECFIED TIME FRAME. 
The title company contacted Carrington and they refused to negotiate ; saying that they were returning the original payment and generating a new one with all the additional fees that the claimed were due, since all funds had already been disbursed, there was no additional funds left to make up the difference, and since Carrington was unwilling to discuss or negotiate, the title company covered the difference as a courtesy to their client. I believe Carrington Knew that fighting this in court would cost us more than the extra fees they were claiming, and we are seeking the return of the extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
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 XXXXXX/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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and you have not provided me MASTER BILL OF SALE. In addition to that any statements and signatures to an alleged account that you blatantly mis-represent the material facts that this alleged account is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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'm not related with these loan bosses, nor did I start the examination. Merciful promptly have them eliminated from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The payment on all of these accounts were paid on time.

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 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I have tried on multiple occasions to have my Escrow account reanalyzed after my property taxes were revised. However, the company has not done the analysis. They were provided the revised taxes but have not taken action. In addition, they do not have any customer service available to speak to. The online help and phone number does not allow you to get the support necessary to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I Received More Correspondence From PRESSLER, FELT & WARSHAW LLP On XXXX XXXX Saying That I XXXX XXXX Did Not Pay My Full Settlement On A Debt That They Acquired From XXXX XXXX XXXX, XXXX XXXX We Agreed On 3 Month Payment Arrangement Of XXXX Dollars. In Which I Provided 3 Payments Of That Amount. For XXXX, XXXX And XXXX. Now They Are Trying To Pursue Legal Action Against Me Again Even Though I Paid The Full Amount. I Have Copies Of The Bank Statements But Honestly Im Afraid That Isn't Going To Be Enough They Also Have Not Removed The Debt From My Credit Report And Won't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XX/XX/year>, my PC was hacked ( takeover ). I then reported such ID theft to FBI and XXXX. I then went to my local Chase, XXXX XXXX XXXX Citi banks and reported the takeover, and I got my PC operating system changed to fix the takeover fraud. My XXXX and XXXX XXXX banks quickly reversed all frauds in my checking accounts. However, Citi Bank did not LOCK my checking account ; did not speak XXXX in their XXXX XXXX ; and, are still withholding {$950.00} from my {$15000.00} checking account. 
I am now locked out of my Citi checking account, and the tellers tell me if I close my checking account, I will never get the {$950.00} back in my possession.

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 2024-04-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
Ive been going back and forth with the credit bureau XXXX, XXXX, Equifax, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is XXXX XXXX XXXX accounts that arent mine and XXXX XXXX account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
Ive been going back and forth with the credit bureau XXXX, Experian, XXXX, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is XXXX XXXX XXXX accounts that arent mine and XXXX XXXX  account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NM

Complaint narrative:
On XX/XX/XXXX I had a loan with XXXX XXXX in the amount of {$1200.00}, I consistently went in to the location on XXXX to make payments but realized that my payments were not being applied to the account. They couldn't explain why my payments were not being recorded which was beyond shady and suspicious. I told them I was not paying anything else until they provided my payment records. They called me in XXXX to offer me a settlement which was still scandalous, They said if I paid half of the original loan amount which was {$600.00} give or take ( which should have been my balance after the payments I made ) then we would be in good standing. I asked for it in writing and they refused to put in detail the promise that was made over the phone. They sold the debt to a creditor that literally told me they were waiting for me in the parking lot of my home to arrest me, they harassed and threatened me for years calling my phone from different numbers all hours of the day and night. I'm exhausted with this completely scandalous situation. They now have sold the debt to another creditor called Consumer Adjustment and they have destroyed my credit by reporting it to all 3 bureaus as a new collection in the amount of {$2100.00}. This is a 7 year old debt that is around {$600.00} and I'm seriously done with being harassed and bullied by these companies. I'm truly contemplating taking legal action against the original creditor for being scandalous and dishonest and every creditor that they sold it too. This is beyond ridiculous because I was paying my loan payments 7 years ago and now here they are claiming I owe {$2.00}, XXXX which is a complete lie

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to XXXX, XXXX and Equifax regarding the charged off XXXX XXXXXXXX & XXXX accounts listed and the XXXX hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The XXXX credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to XXXX, Experian and XXXX regarding the charged off XXXX XXXX  & XXXX accounts listed and the XXXX hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The XXXX credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion to garner a understanding of the drastic decrease in my credit score over of XXXX points in a 1 month time-frame with NO actual changes to my report. Meaning there was no increase in debt, credit usage, outstanding payments etc. The company was unable to give me a verifiable or certain answer for the change.

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