vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unresolved Savings Account : I requested Citibank to close my savings account XXXX months ago, but they still haven't taken action. This has left my account in an open state, causing me considerable distress. 

Held Balance : Additionally, there are still a few dollars remaining in my account that are being held, meaning I am unable to access this money freely. 

Blocked Phone Number and Email : Apart from the account issues, my phone number and email have been blocked by Citibank, preventing me from using XXXX Pay functionality at a new bank. This limitation has significantly inconvenienced my daily life over the past XXXX months. 

Unsatisfactory Branch Visit : When I visited the Citibank branch in XXXX XXXX, XXXX, seeking assistance, I received a perplexing response from an employee. She suggested that I ignore the remaining balance of a few dollars and simply leave the account as is. This advice left me puzzled because, as a bank customer, I expected them to take my concerns seriously and provide solutions, rather than dismissively suggesting I ignore important details. 

Furthermore, I was dissatisfied with the excessive time the employee took to assist me during my scheduled appointment. She had already exceeded the allotted time while serving the previous customer. After only servicing me for half an hour, she claimed her schedule was full and asked me to leave. I had waited for half an hour during my scheduled appointment time and ultimately did not receive effective assistance.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This been going on for years with no resolution no proof nothingnever heard company just showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
The mortgage company that has my home loan, Mr. Cooper, has been having issues with their online payments t processing. I have been using. This payment method for several years but within the past few month their online system has been having errors. The most recent was in XXXX when I tried to make my payment t but their system wouldnt process it. By the time their system was working it was the first of XXXX. I made my payment t and co tacked them about the system being down and requested them not to report my late payment t to my credit report. I found that Mr Cooper had misapplied my payment on my accounts and made my payment t amounts incorrect. I was told by their customer service that it would be corrected. Whe. I have made my most recent payment this month, I am finding that my XXXX payment is still misapplied and my insurance escrow is not correct. It shows a refund in which I never received. Ive contacted Mr Cooper to correct but can not get a response from their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My husband over paid our credit card with Bank of America back in XX/XX/XXXX. We requested a refund in XXXX XXXX they mailed out a check but it was intercepted and cashed by someone other than us. We requested help, and a new check to be issued and promised on 3 occasions that this would happen but 2 of the 3 times it was cancelled becasue they said after investigating they found a check was sent and cashed, which we finally found out with help of one of the bank associates. It was washed and re-written to a different bank. I have a copy of the check now. In the mean time of ALL this going on, Bank of America has reported me to XXXX and now my credit score has dropped and another credit card holder had lowered my credit limit with the explanation of " we are being proactive '' due to a negative report on your credit report. I have made over 25 calls along with multiple visit to the brick and mortar establishment and I am currently waiting for a 4th check that should be here by XX/XX/XXXX. Mind you only the 1st was ever really sent, the 2nd and 3rd were stopped/cancelled. I still have to deal with late charges and finance charges when and if the check really arrives, and repairing my credit to be back in the XXXX XXXX  again.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Ive ask since XXXX for update

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on the account listed as XXXX there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/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 2024-04-16 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not been able to access my credit report for over a 3 years with Equifax ; when I deal with prospective creditors they are unable to see my credit report to render a decision as it pertains to my credit report, when I login online to my Equifax account it gives me an error code saying XXXX and prompts me to call. I did that and spoke to several representatives that don't help me. I've been told that it would refresh, and that there is no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  30 DayLate/Missed Payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: OH

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2024-04-16 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Selene Finance, You are engaging in predatory lending practice by failing to pay my insurance in full. My insurance invoice is attached, the total insurance premium due is {$2800.00} and yet you willfully underpaid the insurance premium, specifically on XX/XX/2024, you only paid {$1900.00}, please paid the remainder insurance asap as soon as possible and you are responsible for all the late fees and insurance cancellation. 

Borrower reserves all rights, nothing is waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I've sent them this letter below twice starting on XX/XX/2024 the last time i sent it certified on XX/XX/2024. They filed a lawsuit against me and didn't respond to the letter i sent to them. 

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX MIDLAND CREDIT / XXXX XXXX XXXX XXXX RE : XXXX To Whom It May Concern, After receiving numerous calls and letters regarding account no : XXXX, I am hereby providing A REMINDER notice to cease any further communications regarding this account immediately. The Fair Debt Collection Practices Act specifies that debt XXXX are to terminate and cease communication upon receipt of written notice. 

MIDLAND CREDIT MANAGEMENT AND XXXX XXXX XXXX XXXX has inappropriately and repeatedly contacted me with Regarding an unverified debt Regarding a debt that I do not own On a debt for which the statute of limitations has expired Is harassing me by calling me at work and contacting known family members and associates Is using methods of threats or intimidation in attempts to collect the debt Is calling me at inappropriate and inconvenient hours PREVIOUSLY REQUESTED AND STILL NOT PROVIDED amount, name of creditor, verification of judgement if any, proof that they are licensed to collect debits in Michigan, proof of the last payment made on the account Should you need to provide notice of receipt of this letter, please forward said communications to the address listed above. Any additional correspondence I receive from you will be well documented and used to notify the appropriate agencies of your violation of the FDCPA. Please be advised that if communications continue, I will seek immediate and proper remedy under the law. Additionally, I will file complaints with the Federal Trade Commission and the local attorney general 's office. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Sir or Maam, One Main Financial had decided to constantly contact me numerous times without any remorse and empathy with the facts given over the phone by me earlier this month. I told them that it would be some changes and little payments due to a change of jobs, income, and hours on the current job. It seems the more the company knows about me, the harder they try to constantly harass me once they find out my number. Regardless, if they are doing their job by following the procedures, they are not permitted on the property by me. I have emailed and handwrote letters in a response. They seem to like confrontations and derogatory happenings around me, which is unprofessional and unacceptable behavior from the horrible XXXX XXXX representative that I last spoke with, which I could care less about even speaking to anyone in that company. Its bad customer service and I wish all of the pressure in return to that business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: GA

Complaint narrative:
The company did not follow collection laws or procedure from the beginning, but on XX/XX/year>, the company agreed via their collections rep to restart my payments the following month on a date that I know the funds would be available. I then requested the validating information from my bank for the rep and forwarded it to her as soon as it was available and prior to the next due date. Additionally, I made my own request that a new payment schedule be provided to me.

From that point forward the rep ignored all of my correspondences, failed to provide the requested schedule -even after follow up request- and failed to accept payment. Then at or about 2 weeks after I provided all the validation and authorization for payment the rep requested, the company filed a civil action against me in order to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
In accordance with the Fair Ctedit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Ctedit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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