vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX, California Bank & Trust starting asking for a inordinate amount of monthly information for the 3 loans I had with them. 
My father had passed away and my mother was in such bad health, I was not able to provide this information on a monthly basis but always made sure all payments were made on time and continued communications with the bank on why I couldn't provide monthly statements. 
This was not enough for them and they threw me into collections. 
Promptly, I told them I would payoff the loans ; which I did. 
The problem was they were intent on over billing me for {$12000.00} on appraisal fees. 
I asked them to show me the actual appraisal reports as I knew they didn't have them and they declined and just told me I couldn't close without them and continued too add legal fees and interest the longer it went on. 
This was highly inappropriate as I had paid just 10 months earlier for a extensive appraisal of all 4 properties for tax purposes for only {$3800.00} And they literally charged me {$3400.00} for asking questions!, The loan officer would direct me to a lawyer who charges you per conversation, which I did not know till I got the bill. 
They had no right to call for a appraisal on a simple payoff or charge me for information. 
Please help, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX XXXX  reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: RI

Complaint narrative:
Exeter finance continues to contact me regarding someone else 's debt even after being repeatedly told that I am not the person. 

The person they are looking for is XXXX XXXX. XXXX is a former resident of a home I purchased. There is no association between me and XXXX. I do not have contact with this person. Exeter should not be contacting me simply because my name is associated with that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/2021 someone try to open an account with CBNA and XXXX XX/XX/XXXXXX/XX/XXXX TWO HARD INQUIRY

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 2023-04-11 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and 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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this investigation.

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 2023-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was purchased by another loan company after closing without my consent. I am a XXXX XXXX XXXX veteran, tax exempt in the state of Texas. The new mortgage company said I owed taxes for 2022 which I am exempt. They paid city taxes, etc. I sent over letters from the county appraisal district and the County tax office stating I was and am exempt from property taxes, school taxes, and district taxes. My mortgage company states since they paid the taxes they must wait for the county tax office to reimburse them before adjusting my loan payments. Currently the mortgage company increased my monthly payment {$2100.00} to pay for negative escrow and refuse to adjust although the county tax office has sent letters and assurances they will reimburse the payment made. I am a XXXX XXXX XXXX veteran on a fix income and cant afford to keep making an additional {$2100.00} on my mortgage as I have been since XXXX so I dont get late payments on 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 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a new vehicle XX/XX/XXXX. I had already paid for my vehicle the old loan that I have with Capital One Auto finance on XX/XX/XXXX. The new company that I bought it with dealt with Capital One in order to pay off the finance loan. Today is XXXX the XXXX XXXX. I was needing a letter from Capital One Auto loan stating that my loan was paid off. They are saying that I owe them {$530.00}. Never before had they had I heard this. I went to the new Auto dealership to talk to finance, she gave me a copy of the car title from Capital One Auto finance. She told me they paid off the amount. And if they hadn't paid it off Capital One auto financing would never have given them the title. I keep trying to get capital One Auto finance to drop off the {$530.00} and they keep saying that they had taken the money out of my bank account in XX/XX/XXXX. But it was reversed back in 7 days. I assumed it was them giving me my money back since the new car dealership have paid them off. Capital One Auto finance is saying they didn't do it that I had have done the reversal. well I didn't do it. Yet Capital One fix the problem of taking off the balance. I have worked hard on my credit score. They're the ones that did the blunder I had that car paid off with my new dealership. why should I have to pay more?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: LA

Complaint narrative:
I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: MA

Complaint narrative:
Cash app square by XXXXXXXX XXXX Date XX/XX/XXXX Amount {$300.00} Date XX/XX/XXXX Amount {$710.00} Date XX/XX/XXXX Amount {$65.00} It is a regular routine to cash app where these amount were taking out my account and cash app square customer service never took action or even help me recovery these funds. Thy have been violated my rights and my account not safe with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER : XXXX Shows a balance of {$950.00} The account has been paid in full several weeks now. Even after other information has refreshed and updated this balance still reports falsely. 

The Credit Bureaus continuously report this information without written permission and also inaccurately. These are violations. 

Now weeks or continuous false reporting.

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 2023-04-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/2023 I received a Welcome email from Chime, an online banking service, congratulating me on opening a new Checking account with their institution. Within minutes I received another email from Chime advising a credit card would be sent to me once I make a {$200.00} deposit into the checking account. 

I immediately called Chime to report the opening of both the checking account and credit card application as fraud. I advised Chime that my identity had been stolen and there is a freeze and fraud alert on my SNN through all major credit reporting agencies. Chime stated they would immediately close the accounts, which they did. However when I asked how the fraudster was able to open accounts with their bank without proper Consumer Identification Due Diligence policies being followed according to BSA/AML laws , XXXX ( the representative I spoke to at Chime ) was not able to provide me an answer. When I sent in my FTC identity theft report to Chime, requesting a copy of the application submit as well as an explanation on how this fraudster was able to open an account without being properly identified, the member services rep only provided the application. Again they did not answer my question. Upon reviewing the information submitted on the application I noticed while the fraudster used my correct address on the application, they used my maiden name ( which I havent used in almost 11 years ) and they used a telephone number that is NOT in geographical area of my address nor is it listed on any of my credit report. All phone numbers on my credit report are local. Ive worked in the financial industry for over 20 years. Therefore I know this shouldve been a red flag for Chime! Additionally, this fraudster has tried to open accounts at other banks such as XXXX, XXXX, XXXX XXXX, etc and in each instance the application was flagged due to inconsistent information provided, the account was not opened, and I received letters from each bank indicating my credit was frozen and I needed to call to be identified before the accounts could be opened. Chime has set the standard that anyone can go their website and open fraudulent accounts with being probably identified. I believe This company should be looked at future to ensure they are doing enough to prevent consumer fraud and money laundering according to XXXX and BSA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, 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