vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
During a pandemic or in XXXX I was never contacted thru the debt company or never had a letter from Midland Credit to confirm if the debt amount is true or correct. Fast forward to XXXX, I contacted midland credit and told them that this is the wrong amount and I never own that money. They started threatening me that you have to pay this $ $ or else we will come after your paycheck, etc HOW CAN I PAY WRONG AMOUNT?? This is a threat to the community and unethical practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Denial of credit in contradiction of XXXX and XXXX credit scores, along with a failure to confirm receipt of current income levels and asset liquidation net proceeds. Lack of communication, underwriting incompetence/indifference and unprofessionalism also played a large role in my experience. TD Bank did not provide convenience or Legendary Service as they advertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. 

They did not do this. 

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal. 

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

2.XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX Account # XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
US Bank charged me a {$30.00} returned payment fee 24 hours before notifying me of a returned payment. During this time my account showed that the original payment went through and nothing was out of the ordinary. When so called about the issue on XX/XX/XXXX a representative told me that I would have to speak with a manager who would call me in 48 hours. This never happened. On XX/XX/XXXX I called back and another representative told me there was no record of the conversation or a request for a manager callback. The representative then said she could put it in this time and said the manager would call me back in 48 hours. It is now XX/XX/XXXX and I have not received a single phone call and my account still shows a fee.

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 2022-08-08 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: IL

Complaint narrative:
I went to a car dealership named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX Illinois XXXX. They informed me that the were only going to run my credit report for XXXX XXXX to apply for an auto loan with them. Without my knowledge I notice they put multiple inquiries on my credit reports that I did not authorize without my consent and unknowingly put these inquiries on my credit report. 
Inquired Listed : 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 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NORTHWEST BANCSHARES INC
State: IN

Complaint narrative:
My wife purchased a new vehicle through XXXX and her loan was set up through Northwest Bank. When she set it up, she was told she would be sent information in the mail with account number information on how to set it up. She never received this information and when she called to try to pay over the phone, she was told she couldnt because she didnt have her account number. This went back and forth for months ( they called me and harassed me multiple times on my work phone too ) and anytime wed call to try to pay, they werent able to help us. We finally connected with someone about a month ago and they told us your car is in repossession status and you have 2 days to send us a cashiers check for roughly {$2600.00} or else your car will be repossessed. They told us they had sent something in the mail about this ( which we never received ). We told them we had tried to pay for months but their agency was extremely unhelpful/rude/condescending and werent able to help us pay. The car is paid up-to-date now but this saga crushed both of our credit scores which is extremely unfair. My credit history was spotless before this situation happened and they havent done anything to rectify it. Please help me and my wife as we dont feel that its right for our credit scores to be impacted like this. I have personally seen a drop of between XXXX points which is insane. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX  ACCOUNT # XXXX 30 days late in 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My whole XXXX was stolen from me while I was in prison in XXXX but the bank keep saying I dont have any evidence??? How ever I will be getting the assistance I need to retrieve my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXX XXXX separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXXXXXX XXXX XXXX XXXX card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I received a text saying that my request for a credit card had been approved from Bank Of America. I did not apply for a card so I called and was told that a card was applied for and that I would receive card within 14 days. I called and got that card cancelled. There was a XXXX dollar balance but whomever applied has all my info.

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 2022-08-08 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: FL

Complaint narrative:
I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, XXXX and Transunion. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, XXXX and Transunion has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer 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 2022-08-08 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: FL

Complaint narrative:
I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, Equifax and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, Equifax and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to Experian, XXXX and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further Experian, XXXX and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer 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 2022-08-08 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: GA

Complaint narrative:
The account should not be showing on my personal profile, this account is a corporate responsibility. That's under a corporation name Vehicle, instead the lender is placing account on my 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 2022-08-08 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: GA

Complaint narrative:
The account should not be showing on my personal profile, this account is a corporate responsibility. That's under a corporation name Vehicle, instead the lender is placing account on my 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 explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
HI, THESE INQUIRIES SHOULD HAVE BEEN REMOVED OFF MY REPORT, IT IS NOT FAIR THAT I HAVE TO SUFFER FORM FALSE REPORTING INFORMATION, PLEASE CAN YOU FIX THIS AND REMOVE ASAP THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XX/XX/XXXX I paid the lease residual payment of {$15000.00} to Hyundai Motor Finance for a XXXX XXXX XXXX they sent a title to me that was received in XX/XX/XXXX it was the original XXXX title that was issued to Hyundai went to motor vehicle to find out that there was another title issued to them on XX/XX/XXXX from the New york DMV and have been constantly in touch with them trying to get the paperwork I need to title the vehicle that has already been paid for it has taken numerous calls to get nowhere with Hyundai finance I have reached out to them and spoke to their customer service for the last 3 months everything is recorded and documented and I don't understand how they do not get in touch or give you the proper paperwork after a full payment has been made on the vehicle my last call was XX/XX/XXXX which I was told that it could take up to 5 to 10 business days again to find out what is going on unfortunately Hyundai Motor Finance has a closed system to email each other and has no other alternative to talk to the title department after they collect your money I would like to make that complaint against them thank you for your help in advance

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 2022-08-08 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: GA

Complaint narrative:
ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.

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 2022-08-08 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: GA

Complaint narrative:
ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX  OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I paid my bill in full on XX/XX/XXXX & then I received a new bill saying I owe {$5.00} in a interest fee. I called the company and they said that I owed {$5.00} because I was carry a balance since XXXX, I told them what does that I have to do with anything I paid the balance in full on XX/XX/XXXX. I asked them to waive the interest charge because it didnt make any sense and I didnt carry a balance. They refused..Spoke with XXXX who refuse to give me an ID number, said they only go by their 1st name. She explained that interest doesnt show up until you pay your bill in full and thats how they determine what I owed. I told her that was incorrect. you pay interest each month you carry a balance. she then told me for me to get away from paying interest to pay the balance in full for two months full and that when you wont owe any. THIS COMPANY refuses to try and credit you for late fees, interest and anything else they can try and get over on you with.

Company response to consumer: Closed with explanation