vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: NJ

Complaint narrative:
We requested a loan modification in XXXX. The documents sent were not adequately set up with my in-laws, who are the cosigners having their documents marked for a Florida Notary . We have called multiple times, and LOAN CARE has failed to make the proper adjustments. Due to all of the issues, we have also requested that the modification be amended to cover the additional months. We have done all that we can to be in touch with LOANCARE. When we refinanced the mortgage through LOANCARE, they sent a notary out to us and then overnighted the documents to a notary in Florida ; we have suggested this approach multiple times. 

We DO NOT WANT TO LOOSE OUR HOME. Because of the mistakes and lack of communication from LOANCARE my inlaws have had their credit impacted. We are also working with XXXX to get a grant.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My credit was not supposed to be ran.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
My credit was not supposed to be ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago, I requested an investigation as I believed that certain items were not being reported However, I received a letter a couple of days ago stating that your investigation was complete and that the items listed above were verified. I am requesting that you explain to me how you conducted your investigation and provide me with your method of verification. 
In your response, please include the following details : XXXX. Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. 
XXXX. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
XXXX. What was the cost incurred by your company to obtain the documents needed to complete your investigation? 
XXXX. Please provide proof of your timely procurement of certified documents. 
XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. 
XXXX. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
XXXX. Provide the date of the commencement of delinquency. 
XXXX. Please provide the specific date on which the items will cease to be reported. 

I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. Please note that a form letter response will not be acceptable, and if you can not supply all of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or the requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. I have recently studied constitutional consumer protection laws along with civil/federal court procedures, and I will represent myself pro-se and will formally request a jury trial. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I negotiated a settlement on my personal loan with OneMain Financial in XXXX of XXXX for a lower amount than what was owed on my account. OneMain accepted my payment and released the title of my vehicle that was used as collateral. I received my title and expected that the loan was settled as I was informed by OneMain. Two years later, I started to receive statements in the mail that notified me that I still owe money on the loan that was settled and that I was late on payments.

I immediately called OneMain in XX/XX/XXXX and reached XXXX XXXX at ext. XXXX at which I explained the situation and he informed me over the phone that it was a mistake and that the loan was in fact settled and that he would inform the settlement department to send a letter to confirm and remove the account from my credit report. Two weeks went by and I did not receive the letter or confirmation that the account and late payments were removed. I called again and spoke to XXXX 's superior where he informed me that they do not have record of the settlement and that I could settle the debt for {$4500.00}. Again, I settled the debt, received the title to my vehicle and do not owe anything on this loan.

To date, One Main has not removed this account and it is now affecting my credit score with late payments on a loan that I no longer have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have been the victim of identity theft, and due to that identity theft there are several account reporting from this company, that I have not opened nor authorized anyone to open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Canceled Microsoft subscription continues to charge my Capital One visa. The Visa expired in XX/XX/2023 and today XXXX XX/XX/2023 I'm still being charged. How is this legal? Someone could steal a credit card, sign up for subscriptions and the card holder would continue to be charged on a card that is no longer active? To be clear, my card wasn't stolen, but it expired 2 months ago. I never activated the replacement card and yet I'm still being charged for a canceled subscription on an account with NO ACTIVE CARDS. Are there no regulations to avoid this? Or is Microsoft just big enough to avoid penalty for violating laws?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, King of XXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I closed my accounts with Citibank on or around XX/XX/2023. I was able to consolidate two separate accounts over the phone. I was told over the phone that checks for the remaining balance for both accounts, one with {$300.00}, and one with {$3800.00}, would be mailed to my address and should arrive in ~10 business days. I called again in late XXXX to inquire where the checks were, as I had not received anything and was told to wait another week as they get delayed in the mail sometimes. I called again in early XXXX and I was told to wait 1 or 2 more business days to receive the checks. On XX/XX/XXXX, I received one check dated XX/XX/XXXX for {$300.00}. The check for {$3800.00} did not arrive and is still outstanding. I called Citibank again on XX/XX/XXXX and received no additional information. 

I called again on XX/XX/XXXX and was told that they would void the check and send a fresh check to my address. The second check for {$3800.00} was issued XX/XX/XXXX and was due to arrive on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive either check for {$3800.00}. In speaking to the bank on XXXX XXXX, I was told they will void the second check and that I should expect to receive it on or around XXXX XXXX. 

My mailbox is locked and the only people with access are my immediate family. Neither check for {$3800.00} has arrived, and Citibank has no other options available for me than trying to send a third check. The representatives told me they would log my case and file a complaint within the bank to learn from this issue. No explanation could be given as to why the checks have not arrived. I have essentially lost access to {$3800.00} for three months which is a major detriment to my financial wellbeing, just because I do not live in a state with a Citibank office where I could've visited to close my account. This has been incredibly stressful and I do not wish others to have a similar experience.

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 2023-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX getting so fed up I seen to be getting no help I have a son were In transitional housing it's just me and him we stay XXXX ca XXXX XXXX XXXX XXXX CA I am in need of help my social security and every thing I try and nothing I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  payout stimulus go 2 bank XXXX XXXX  acc everything is gone I think I fixed one problem I XXXX can't and haven't received no payments I am begging u please help me I don't know what to do I feel like XXXX cutting my XXXX throat I am struggling with my son please contact me XXXX I can provide valid id social I can't do video call please someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael J Adams PC
State: TX

Complaint narrative:
On XX/XX/XXXX a legal hold was placed on my account. On XX/XX/XXXX I realized this. They held {$190.00}. On the XXXX my payroll check was deposited, that took {$1400.00}, did not leave me a XXXX to live on. I have signed a payment arrangement with them on XXXX XXXX and they still have not sent the release paper to my bank. They have recieved more than enough to cover first payment. Now I can not reach them. I have left numerous voicemails cause thats all you get and have sent just as XXXX emails, no answer. I need the hold removed and my funds returned so I can pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 with antedates the report by more than seven years.

As noted, federal Identity theft laws are covered under 18 U.S.C.
1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial.

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