vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Action Collection Service
State: ID

Complaint narrative:
On XX/XX/2022 I mailed Action collections in XXXX, Idaho a debt validation letter and asked for specific information which was delivered to them on XX/XX/2022 ( usps XXXX XXXX ) and the information I requested they failed to provide in their response which I received on XX/XX/2022. I do not believe I still owe this debt and they are refusing the validate per the requirements of fair credit reporting act and are also refusing to remove it from my 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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I have requested validation of debt with both the credit reporting agency and the creditor Cavalry Portfolio Recovery. The credit reporting agency continues to report information on my report that does not belong to me and/or incomplete or no knowledge of. I was not notified of any existing debt with this debt collector or anyone with affliated with this account. 

The credit reporting agency continues use XXXX to dispute this information without validation of debt. This process violates my rights to receive fair creditor reporting and has since cause irreparable harm to me financially. 

The following information continues to be disputed with XXXX with dispute numbers attached. 

Cavalry Portfolio Recovery has never notified me of any outstanding debt and I have no reason to believe this information is accurate. I've requested information bearing my signature and validation of debt. To date, I have not received any information. 

Below are the number of disputes submitted to the credit reporting agency. The continue to submit the information through XXXXr and return the information back by third party without verifying the information to the creditor directly. 

XX/XX/2022 - # XXXX XX/XX/2022 - # XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX Today on XXXX I spoke to XXXX at the credit reporting agency and XXXX. XXXX hung up on me when I requested a hundred word dispute. I requested several times. I would like a full complete validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX-22 between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not authorize this information that's on my report, It does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I did not authorize this information that's on my report, It does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amonth of {$4300.00} for the value and consideration and tender the payment for thr complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument. 

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited {$1.00}. You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I have informed the company and gave ample time to correct the billing error. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given thr proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my Wells Fargo Card.

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
I got a collection letter from Dynamic Recovery Solutions from an original creditor XXXX. The amount they said I owed was XXXX, but they would settle for XXXX by XX/XX/XXXX. I called this collection agency and was told the debt was from 2008. I called XXXX immediately after telling the agent I did not owe this debt. He argued so I told him I was going to call XXXX and then report them to you. XXXX confirmed that I had no back due balance, that my acct was paid in full. There is no collection against my credit. I just checked. I don't want this to hurt my credit. Their info is Phone : XXXX. Address XXXX XXXX XXXX, XXXX, NC XXXX. Thank you, please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
I am asking you to look into XXXX. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that XXXX puts the payments XXXX makes from direct bank payments, to where XXXX wants to apply them. Who does this? This also happened during Covid. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
Bait and switch sales tactics. Untruthful sales promises. 

The company made promises of service and then did not perform. When questioned they stated that the level of service was different than that which was promised. The original sales agreement was on a recorded line. 

Then when I asked to cancel I was told no refund, then eventually after arguing, half of my fee was returned. The company is taking advantage of the community and should not be allowed to provide credit repair services. 

I am XXXX and this is a company willing to take advantage of the disadvantaged community. Please follow through. 

The contract was never sent until I canceled and revoked their rights despite the sales person promising on a recorded line the document would be sent. They trick people through the use of text. This is a very dirty business. 

Thank you and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently checked my credit report and found an inaccurate reporting of a company being published on my credit report. I reached out to to the major three credit Bureaus and ask that this account be verified with the original contract for the account in question. The account still hasn't been verified and is still being published on 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 2022-03-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  ( Original Creditor : 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.

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 2022-03-16 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: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-16 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
new and updated information CitiMortgage has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One restricted my credit card account while still charging annual fee on the card. They are not letting me close my account and provide the credit balance back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
In XX/XX/2021, I submitted a mortgage application with MTH, the preferred lender for XXXX XXXX. Upon receiving my pre-approval, I immediately inquired about mortgage rate lock options with my Lending Officer, XXXX XXXX. The lending officer did not respond to my request for the rate lock options. I sent follow up emails in both XXXX and XXXX expressing my concern that rates are going up and asking again for rate lock options. The Lending Officer again didnt respond to my requests so called MTH to see how could file a complaint. Rather than giving me option to file a complaint, MTH put me in contact with Branch Manager, XXXX XXXX who apologized for the delay in communication. I expressed my concern that the rates had already gone up too much and that I havent been provided the information I requested to allow me to lock in my lower mortgage rate. On XX/XX/XXXX, XXXX XXXX offered the rate which was available in XXXX when XXXX didnt respond to my follow up, however, she only provided me XXXX to accept the offer. I was traveling at the time she sent the offer so I didnt see the offer and was not able to respond. I reached out to her when I returned and she said the offer is no longer available. MTH did not provide the information I requested which led to me not being able to make the decisions I needed to make with my mortgage. 

I have emails to corroborate the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX UCS Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Penfed Credit Union refused to accept nor post payments made by the buyer of my vehicle multiple times since XX/XX/2022. Therefore my loan remains active as Penfed continues to charge daily interest and continues to deduct the monthly payments. Penfed reps have not been helpful and refuse to remedy the situation since the loan is still active. This is predatory.

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 2022-03-16 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: MUFG AMERICAS HOLDINGS CORPORATION
State: TN

Complaint narrative:
Charges began XX/XX/XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, OH XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA Late Fees, Interest Fees and OverLimit Fees. 

Union Bank contacted me to confirm the first charge. First charge and all charges there after were confirmed fraudulent, Union Bank then closed the account. Since that time, the card remains over the limit, fees continue to be charged and interest accruing. With each 30 days the account is reported delinquent to the credit bureaus, my credit score continues to drop drastically. I have contacted Union Bank with each letter that arrives in my mail box. Each time I speak first with the collections department, then am transferred over to card services where the representatives say they are re-opening the file. The file still continues to remain open and closed at the same time, no resolution, and my credit score continues to drop. 
I contacted XXXX, and they suggested the FTC complaint for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a speedy cash loan for {$600.00} right before the pandemic started. I lost my job and have a family and everything quickly spiraled out of control. Nearly 6 months later or so- I had cash come in and cleared all my really important debts. My speedy cash debt was settled in that. I received a notice that my loan is now seriously delinquent This company has robbed me and taken wayyy more than they were ever truly owed AND I settled the account with them. I am trying so hard to put my credit back in place after covid and this is very hurtful for my family trying to get things back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I purchased my leased XXXX XXXX XXXX and used PenFed Credit Union for loan which was closed on XX/XX/XXXX. 
I am paying monthly payments of {$730.00} with no late payments. 
I received the notice ( scanned below ) from PenFed on XX/XX/XXXX that my payment has been increased to {$1800.00} from XX/XX/XXXX as I failed to provide the XXXX for the collateral. There was threatening language that if I did not increase my payments it will become delinquent and my payroll office will be contacted. 
I contacted the PenFed on XX/XX/XXXX and was asked to mail the original title ASAP so this can be reviewed and was granted a 30 day reprieve. 
Further research with Michigan Sec. of State indicated that Michigan is one of the few states ( for used Auto loans ) where XXXX stays with the owner. I contacted them again and they agreed to receive a copy which I mailed by USPSCertified mail on XX/XX/XXXX. 
I had the title since XX/XX/XXXX and Pentagon Federal Credit Union was listed as XXXX XXXX XXXX. I never received any communication from the Bank that I need to send them the title until this loan surprise notice with a massive increase my payments and threat of contacting the payroll Dept.

Cust. service agents I spoke with were courteous and informed me that usually three notices are issued via mail and did not find records of first two.

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