vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I applied for a loan through Universal Credit and followed up with all the steps that they had asked of me. They deposited funds into my account and asked me to withdraw and send back and I did. Next thing I know they have altered a check in my account that I cashed over a month ago and changed the amount. Did that twice and now my bank account have been frozen, and they are trying to charge me for the money that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CT

Complaint narrative:
To Whom This May Concern, I am writing to express my concern that US Bank has unfairly closed my Secured Credit account and made deceptive statements to me over the phone and in at least one letter. 

Specifically, in a letter dated XX/XX/2022 I was informed that my secured card was permanently closed due to the attached secured savings account funds being " garnished ''. 

I subsequently called US Bank to ask for detail and was informed that the account was not garnished, instead, a hold had been placed on the funds until XX/XX/2022. The US Bank representative informed me that my account could be saved if I made payment to the creditor which was identified as the State of California tax board. 

After such a call I immediately made a payment to the State of California tax board, however, my account appears to be having issues online. 

US Bank markets their secured cards as a way to rebuild credit and I took the responsible action to pay the previously unknown creditor at the earliest possibility. However, I am now worried that US Bank is going to take action contrary to their representations of rebuilding credit by closing my account permanently- despite assurances by support staff that the account would not be closed if payment is made immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
Lockhart , Morris & Montgomery , Inc . has been calling me early in the morning before XXXX about a debt that they assume that I owe. they didn't sent me any letters regarding the debt. so I file a dispute on with them asking them to verify the debt by law they have 30 business days to Respond to the letter, and I didn't hear back back and that's a violation, Im submitting this complain to get that mess off my credit. since they couldn't verify the debt. XX/XX/2022 is when I mailed in my first dispute letter to the company. their address XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX, TX XXXX as its reporting on my credit profile. if they can't Verify it NEEDS TO BE DELETED ASP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022, Macy's/CBNA I've never signed up for an account from this company, I've even got in contact with the company, and they stated I do not have an account with them.

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 2022-11-23 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: NY

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 u.s.c 1681 Dept of EDXXXX # XXXX XXXX 
XXXX XXXX # XXXX .... 
U.S. Dept. Education # XXXX .... Said accts have 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 an account without written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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 non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I am in the process of selling my home, closing has been delayed because Lakeview is not providing the Power of Attorney documentation for XXXX XXXX, with Massachusetts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX an Assignment of Mortgage when my loan was transferred to a different servicer. XXXX XXXX XXXX company has been requesting this documentation for over 10 days now and again this has stalled my closing. I am incurring more costs each day and we need the Power of Attorney documentation as soon as possible. My representative with XXXX XXXX is XXXX XXXX XXXX. Please provide the documentation as it should be housed with Massachusetts 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 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX XXXX sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged 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 2022-11-23 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: LEXISNEXIS
State: VA

Complaint narrative:
All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX XXXX sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: IN

Complaint narrative:
On XX/XX/2022, Alliance One first contacted me but failed to identify the they were a debt collector, they did not leave a message. I unsuccessfully attempted to contact them on XX/XX/2022 and XX/XX/2022, to inquired about the nature of their call. On XX/XX/2022, I received notification that Illinois Department of Revenue was involuntarily withholding {$110.00} from my payroll. I spoke to Illinois Department of Revenue and they indicated that the payroll deduction would settle the debt that i had not previously been aware of. On XX/XX/2022, Alliance One again contacted me by telephone and again failed to identify the they were a debt collector, they did not leave a message. On that date I spoke to a representative that only identified herself as a debt collector after I specifically asked her. At that time Alliance indicated that they were collecting on a {$110.00} tax debt owed to the Illinois Department of Revenue. I explained that the matter was already resolved. The supervisor I spoke to indicated that their file would be notated and closed. My phone records indicate that Alliance One attempted to contact me on XX/XX/2022, but the call was automatically declined and did not attempt to contact them. Today, XX/XX/2022, Alliance One again contacted me but failed to identify the they were a debt collector, they did not leave a message. As is stands I called them back six times and asked them to acknowledge that they are a debt collector before providing personal identifying information, however each representative has refused to acknowledge that they are a debt collections identifying them self only and a financial company, even after I explained that I was aware of their company as a dept collector and that failing to identify themselves as a collector was a violation of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I called Capital Accounts LLC on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. Also wrote them a letter on XX/XX/XXXX. I am trying to get an itemized bill from them for the service from XX/XX/XXXX ( which I was never billed for an medical expense ) They have not sent me the itemized bill and would not give me the address or phone number of the Company who the bill is thru. I called them on XX/XX/XXXX and they are no longer handling this debt and gave me another phone to call and I called this other phone number and no one has any record of me by SS #, DOB or name. I am trying to obtain the itemized bill to get my medical insurance company to pay the bill to a company that is no longer open and I am getting no where and this is on my credit report for {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: Fig Tech Inc.
State: TX

Complaint narrative:
15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I currently have a mortgage with Carrington Mortgage Company. I am currently a 100 % XXXX veteran. I live in a state, XXXX XXXX, that offers property tax exemption to 100 % permanent and totally XXXX veterans. I became 100 % on XX/XX/XXXX. In XXXX, XXXX, I followed Carrington 's advice and went to my XXXX XXXX office and Carrington was notified of my exemption. My tax office reimbursed me previous taxes taken out. At that time we emailed and faxed a copy of my Department of Veterans Affairs Award Letter and NJ Tax Exempt Letter. However, it has come to light that Carrington is still paying my taxes out of my escrow, when I am exempt. My Tax office continues to return payment as over payment. It didn't seem like an issue until on XX/XX/XXXX, when I went to pay my mortgage, and there was in increase of {$2000.00}. When I immediately contacted Carrington, they deflected and put blame on Tax office and they would investigate. 
1 week later I contacted Carrington for an update. Once again I was told, " we are waiting on your tax office '' This is not true. I then went to my XXXX office on XX/XX/XXXX and we called Carrington and nobody answered. Tax office provided me with invoice showing that they sent back {$6200.00}, due to over payment. As I have contacted Carrington on 7 occasions, each time I'm told its the tax office.I can not pay my bill, since this issue is preventing me from doing so. I do not believe Carrington is equipped to handle veterans loans, especially in this type of scenario. How many other veterans are getting screwed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
XXXX XXXX has requested on several occasions indirectly and directly to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that this XXXX kia XXXX already had a dispute in process around XXXX XXXX spoke to this agency that was a debt collection/bank or finance institution in XXXX GA that was a representative XXXX XXXX XXXX XXXX kia of XXXX XXXX Ohio and kia finance in XXXX ga ... XXXX ' XXXX was engine failure, hard to start sometimes, less acceleration, all still under warranty, slow take off, running rough,. windows malfunctioning.so of course it was returned to kia diagnosed that the mechanics found metal shavings within the oil pan. Vehicle returned 18 days later, without my consent or informing me of the options. consumer completely dissatisfied.MR hall held on to the payments because i wasn't receiving the proper feedback as to satisfying the customer first..85 days behind, repossed and illegally and sold with all consumers property still within the vehicle... this was a consumer credit transaction and under the magnunson-moss warranty act, XXXX act 'and backed by the cfpb ccpa, i consumer hall, XXXX am demanding my down payment of XXXX $ and all violations that has truly been a horrible experience.Consumer is also demanding the return of my insurance.premium that is due to 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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After I requested information from CAPITAL ONE, they closed the account. PLEASE SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

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 2022-11-23 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:
I received a alert to my credit report from this collection agency, stating that I owned them a past due balance of {$100.00} and then called the collection agency, not knowing were the bill is coming from, a Representative told me that it was from XXXX XXXX ( XXXX ) membership. I let the debt collection know that I never received anything in the mail pertaining to this, then debt collector asked me for my address and verbally agreed that the address on the account was incorrect, I thought something was fishy then but I said let me just pay and get this off my credit. But when the supervisor XXXX XXXX, said that they dont pay to delete and some of the charges on the account were from collection receivable! I was like XXXX no! Let me investigate this, so she told me to call XXXX XXXX which is XXXX XXXX now! I did and I spoke with a office XXXX! He told me that this account was from XXXX and the address and telephone he read on the account was not even mine, then he told me to XXXX XXXX XXXX, I spoke with them and they agreed to me never having a membership with XXXX XXXX in XXXX!!! They said it sounds like FRAUD and I agree! So I was advised to file a FTC report! It looks like someone has filled out gym membership in my name!!! This account is under investigation with XXXX XXXX who are the ones handling XXXX XXXX old accounts!! XXXX XXXX should be removed from my credit file ASAP!!!

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 2022-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Hi, I bought my home from XXXX XXXX. Later, they transferred the loan to XXXX ' provider in XX/XX/2021 after 2 months of closing. Do you have any contacts in XXXX to speak regarding an Escalation issue about Private Mortgage Insurance ( PMI )? Please reply to me if you have any contacts. Thank you. 

Issue : XXXX is saying I need to pay PMI ( {$62.00} per month ) for atleast 2 years as per the Contract now. Then why did they ask me to pay the 78 % mark of loan cost so soon within 6 months of closing my home. I have been cheated. Please help in this issue. 

Payments : XX/XX/2021 Curtailment {$40000.00} XX/XX/2021 Curtailment {$6100.00} Website : XXXX XXXX Customer Service # 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 monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
I applied for a debt consolidation loan with XXXX and I was told I was denied using information from FactorTrust and XXXX. I accessed my FactorTrust report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed XXXX the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and FactorTrust. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of FactorTrust why do they have different information for me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation
State: KY

Complaint narrative:
I am receiving repeated calls from the debt collection company " Indebted ''. I have instructed them NOT to contact, nor attempt to contact me by phone regarding any alleged debt. I instructed them to contact me by US Mail. 

I notified them : - Once via their website message contact page. 

- A second time ( XX/XX/2022 ) by email to their contact email address, after calls continued - A third time ( XX/XX/2022 ) to their email address insisting on cease and desist phone contact, notifying them I would contact the CFPB if contact continued. 

Today, XX/XX/2022, I received yet another attempted phone contact from Indebted with a spoofed Caller ID label, " XXXX XXXX ''. The phone number is a corporate number for XXXX. This company continues to violate the Fair Debt Collection Practices Act despite notifications to cease phone contact.

Company response to consumer: Closed with explanation