vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Smith Debnam Narron Drake Saintsing & Myers , LLP trying to collect an old debt. i called the original debt collector aka original creditor today and i am going to work out a payment plan. Smith Debnam Narron Drake Saintsing & Myers , LLP is a very nasty and bad company with rude customer service. i will not be paying them. they are shady and that is why i am trying to work out something with the original creditor on monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNG FundingXXXX XXXX has continually harassed me through calls & emails. When I tried to negotiate with them they would not negotiate. They keep saying they are threatening to sue me. They have sent me emails saying I have never gotten back to them when I absolutely have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I have previously had issues with mail being stolen from my mailbox at home and have been using a post office box address to receive mail. I was unable to update my mailing/billing address to my po box address on the companys website. After contacting a representative of the company I was told that their system does not accept a post office box address so they are unable to assist me and are unable to provide a valid reason for not allowing the update to my mailing/billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  ( Original Creditor : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I have filed multiple disputes with the credit reporting agency Equifax ( and the debt collecting agency XXXX XXXX XXXX XXXX XXXX ) about the false information on my credit report with no good results. Please investigate this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a 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 non-monetary relief
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I refinanced my mortgage loan with XXXX XXXX. Under the contract, I was required to provide proof of homeowner 's insurance to XXXX XXXX, which I did ( see Exhibit A attached hereto ). Thereafter, XXXX XXXX  assigned the loan to be serviced by PHH Mortgage Services ( PHH ). On or about XX/XX/XXXX, PHH mailed me a letter indicating that I never provided it with proof of homeowner 's insurance for the period of XX/XX/XXXX, through XX/XX/XXXX, and that they would buy insurance for that period for me if I did not provide proof of insurance for that " lapse period. '' Despite the fact that I provided proof of insurance to PHH 's predecessor, XXXX XXXX, I obliged PHH 's request and sent proof of insurance for the requested period ( see Exhibit A attached hereto ). Nonetheless, PHH billed my escrow account for {$1200.00} for the insurance policy for the " lapse period. '' No such " lapse period '' ever existed. Proof of insurance was provided to XXXX XXXX  ( PHH 's predecessor ) at the time the loan originated as was required under the terms of the loan. PHH nonetheless billed me for the insurance policy and refuses to refund the amount. I re-submitted the proof of insurance, and PHH still has taken no action. 

Additionally, the loan contract with XXXX XXXX, which is now binding on PHH, does not authorize PHH to retroactively purchase allegedly " lapsed '' insurance. ( See Exhibit B - the attached portion of the contract with XXXX. ) The contract does permit XXXX or its successors to purchase hazard insurance prospectively if such policy is in danger of expiring, but that is the only instance in which XXXX or its successors are authorized to buy insurance on behalf of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have debt with capital one bank. The debt is over {$4500.00} I am always receiving mails of this debt I dont owe and believe it was identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX I sent a copy of my drivers license, social security and utility bille requesting old names and addresses be removed. sent certified mail. 
DID NOT HAPPEN. 

On XX/XX/2022 sent another letter certified mail. Notarized copy of license again, social security and utility bill. Letter received today XXXX XXXX. 
Will not remove old names and addresses 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 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
I have closed my account with Self Lenders and they are still charging me for my account and I dont owe when the account is closed they are affecting my credit history and status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I requested a copy of my consumer credit report for Experian. I also requested for a copy of my consumer credit file. The sent the credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file.

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 2022-04-30 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: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/21, XX/XX/21, XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I received a letter from XXXX XXXX stating I owed {$1700.00} for a XXXX from an account that was opened in my name. I don't own a XXXX, and I never opened an XXXX XXXX account. Now, the account has been turned over to collections to a company called Sequim Assets Solutions, LLC. And they sent a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc
State: MO

Complaint narrative:
on XXXX and XXXX this agency is reporting a debt of XXXX as of XX/XX/XXXX to XXXX XXXX for a property in XXXX XXXX I never lived in. the only exchange of money was for an application fee. no money ever exchanged to move in address no deposits and no utilities in my name. a lease was electronically signed and voided on the same day without ever moving in due to some comments that were insensitive and prejudice over the phone. 

from XX/XX/XXXX to XX/XX/XXXX I lived at.XXXX XXXX XXXX XXXX XXXX XXXX and moved to where I currently live which is XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX I have utility bills I can provide as well as leases to show. 

If i have never lived at the address : there is nothing to pay and nothing will be paid. I received one phone call from this business about 4 months ago no debt validation letter or notice of debt ( since I have never lived at the address ) take this s ..off my credit report for XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NJ

Complaint narrative:
On XX/XX/2022, I sent a letter requesting the 3 credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according t

o t he law. Every piece of information listed on my credit report is still not 100 % accurate.

The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.

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 2022-04-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Had a XXXX  XXXX in 2013 that was XXXX. Disputed with Experian to remove it has been more than 7 years. Experian refused to remove it. Tried to dispute again and Experian will not allow me to.

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 2022-04-30 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: PA

Complaint narrative:
N.Accordance with the fair credit reporting act XXXX Account # 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.

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 2022-04-30 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: PA

Complaint narrative:
N.Accordance with the fair credit reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: NC

Complaint narrative:
This company called AFNI has been calling my phone and my husband 's phone several times per day and I have asked them verbally, via email, and with a cease and desist letter to stop contacting me via phone. They still continue to call my phone several times a day, 7 days per week. They are rude and unprofessional. This debt they are harassing me about was one that was done in my name by someone else and until I can get it legally settled, they are not getting anything. They are ignoring my cease and desist and I am fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NJ

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : 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 2022-04-30 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: NJ

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : 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 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a problem with my Bank of America Account Numbers : XXXX For some reason Bank of America Closed My Account On XX/XX/2022 for No Reason and i The Bank did not Gave me Any Explanation why they closed my Account Ending XXXX and i received a direct deposit from Social Security Administration in this account on the First 1th of each month and also on the 3rd of each month Bank of America refused to give me the funds from my Direct Deposit From Social Security at the Bank Teller and Also the Customer Service Numbers. Bank of America has not Return the XXXX Check Back to Social Security and i did not Receive my Payment For XX/XX/XXXX and XX/XX/2022 and can not withdrawal the funds from the account where the hold was place on closing the account bank of america is refusing to give me my money or to return it back to Social Security

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