vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: IL

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. 
Account name : # XXXX XXXX  XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX  XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My debit card was locked I tried to make a purchase they sent an alert I replied and now my account is under review its been since XXXX XXXX and they keep changing the days and its been over both dates and now they are saying its being escalated and its over that date they have giving me no paperwork to say my account is under review and I cant access my funds to pay my rent thats how it got locked and then they told me they dont have any paper trail as far as me having something for show to why I cant access my account and if I close it I still wont have my funds until their done

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: DC

Complaint narrative:
Name : XXXX XXXX XXXX Case # XXXX RE : Escalation of dispute claim I am providing this email to serve as my statement for Dispute Claim number XXXX about unauthorized charges from a vendor, XXXXr, that took place on XX/XX/XXXX and XX/XX/XXXX that I didn't authorize and I don't know this merchant. They also attempted {$150.00} to the card ending in XXXX today, XX/XX/XXXX. I filed a dispute with Direct Express and they denied my claim even though they are aware that my card was locked when this merchant fraudulently obtained monies from my account. 

My debit card was locked and this merchant fraudulently obtained monies from my account totaling {$830.00} and I'm also requesting that the monies be returned immediately, as this has caused a financial hardship, due to my card being disabled. I would also like to have the fees associated with having to expedite my card on the two dates, XX/XX/XXXX and XX/XX/XXXX to be returned in the amounts of {$13.00} each and the associated {$4.00} card replacement fee to be included as well. 

I contacted the merchant and they informed me that since I don't have an account with them I need to dispute this with my bank. I spoke to them again today because of their newest attempts and was told the same thing. I informed them I'm having them investigated for fraud and they hung up on me. 

I am requesting the escalation of this dispute because the original claim was closed without investigating the fraud that has occurred. 

The following are the charges, including their dates be included with the provisional and investigated claim : {$220.00} - XX/XX/XXXX {$90.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX Thank you in advance for your assistance due to this fraudulent and unauthorized activity. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: NE

Complaint narrative:
After a year and a half of fighting with regions bank they finally mailed me a cashiers check with my remaining balance from my checking account but they mailed it to my old address and they have my new address that I provided to them several times on a notarized letter and still they mailed it to an address I havent lived at in over a year and now they are refusing to reissue the cashiers check to my new address

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
INNOVIS DATA SOLUTIONS This company cut off my access to their online portal because I disputed some of the accounts on there. They keep changing the reason for nap able to give me the access. 

At first they said I'm not able to login because there is no phone number on file for two factor authentication. 
Once I provided that with proof and its updated, I'm still not able to login. 

Now they are saying there is some security policy that is preventing me to login and they can not give me a timeline in which the issue is going to be resolved. 

They keep offering to provide assistance over the phone or the mail which is not what i want. 

They are only doing this because I disputed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX During all these dates I've reached out multiple times to a XXXX XXXX to settle. Just so that I can clean up with no a minute of this debt because they did not send all of the proper documents and can not provide any of the proper documents for the repossession that were sent to me nor can they prove which address they were sent to. I have tried to call every time I call or speak to anyone no one has my account on file or records there therefore if they don't have my account on file anymore or no records of my file with that company consumer portfolio services I dispute it needs to stop reporting on my credit report since they have no record no one does. At this point it is going against my FCRA rights I've tried multiple times and no replies but it keep actively reporting you can't report on an account that you no longer have whenever I call to speak to any representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
XXXX XXXX sent me to collection via Aldous and Associates on XXXX XXXX XXXX  for the amount of {$3000.00}. 

I had initially signed up with XXXX on XXXX  and the following week began paying for a personal trainer. Within the next few weeks to a couple months XXXX began cancelling my appointments. Most were cancelled last minute. I was still charged for a few of these appointments. Then my personal trainer was fired. I contacted XXXX and it was agreed that I was not happy and did not wish to continue paying for services that were so easily cancelled at my expense. They were not holding up their end and I did not wish to continue. To this point I had paid for all appoinments including three cancellations that I paid for and never received. Then they send me to collections for an extraordinary amount of money beyond anything that ever happened. To this point they owe me for three appointments I paid for and they cancelled of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MA

Complaint narrative:
I have sent out a dispute letter to 2 credit bureaus XXXX XXXX XXXX Equifax ) to remove inquiries I never applied for on XX/XX/2023 and Equifax continue to have all of the fraud inquiries on my credit report and XXXX have removed some, but not all inaccurate inquiries on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This card was opened in my name and I had no knowledge of it at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have successfully completed the PHH trial payment period, executed PHH loan modification documents, and am current in my monthly mortgage payments and YET PHH has NOT filed a NOTICE OF RECISSION OF TRUSTEE '' S SALE ( as PHH rep 's promised they would and send me a conformed copy from the XXXX XXXX XXXX XXXX XXXX ) and continues to report false information to the credit bureaus thus PREVENTING ME and causing me irreparable financial damage as I can NOT obtain mortgage loan or any other consumer loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MA

Complaint narrative:
I have sent out a dispute letter to 2 credit bureaus ( Transunion & XXXX ) to remove inquiries I never applied for on XX/XX/ and XXXX continue to have all of the fraud inquiries on my credit report and Transunion have removed some, but not all inaccurate inquiries on 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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i never applied for this card XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing this complaint number one because we have been a loyal customer since 2000 and this is no way to treat customers that have been ripped off and unable to obtain financing due to issues with discrimination. This is illegal in the USA. 

Since this is a matter that involves discrimination we DEMAND THE REASON AS TO WHY WE ARE BEING LIMITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I keep getting incorrect information from Navient concerning my forbearance, being bullied into a consolidation loan, told my loan was NOT eligible for forgiveness when on the Navient list  XXXX XXXXXXXX XXXX XXXX as XXXX of the schools which is eligible for forgiveness, and losing my financial information for an income based payment plan which the Navient rep said she received and my monthly payment would be XXXX. 
All the while, Navient has wrongfully destroyed my credit score preventing me in getting any consumer loans which would help me financially to get me back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/ a bankruptcy was shared on to XXXX XXXX and XXXX. 

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 may not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MD

Complaint narrative:
XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.

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 2023-02-16 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: MD

Complaint narrative:
XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Lakeview, subservicer of XXXX XXXX is not removing PMI in accordance with HPA

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 2023-02-16 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: VA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, the listed accounts below have violated my federal protected consumer rights to privacy and confidentiality as enshrined under 15 U.S.C Section 1681. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX : Account Number XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 ( a ) ( 4 ) states ... the need to insure that consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

15 U.S.C 1681 Section 604 ( c ) ( 3 ) states on information regarding inquiries that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit transaction that is not initiated by the consumer.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a customer to any consumer reporting agency if if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MD

Complaint narrative:
Police and FTC Report for Identity theft filed for XXXX XXXX XXXX XXXX ( credit card {$16000.00} ) and XXXX loan attempt,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 explanation