vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: IL

Complaint narrative:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX nAlleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX 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 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, Resurgent Debt collection agency purchased my account from XXXX XXXX XXXX. The sent me email communication about the debt. I am writing this complaint because they are reporting false /misleading representation of this account on my credit report which cause my score to drop significantly. Attached you will all copies of my reports from all three credit bureaus with false and misleading information about the payments. The reports say that I am late 1 time on one report and 4 times on another report and not al all on the third report. I have not paid them late and I have proof of on time payments from the start. The company told me they would report on time payments not late payments. The have caused me a XXXX point drop in my score. Beginning XXXX on the XXXX and every month until XX/XX/2023 payments have been auto drafted from my account. I called them today about to ask about why they reported late payments and the lady was rude. I asked for a supervisor and she put me on hold. After sometime I hung up. I just discovered this and they refuse to remove the inaccurate information. I have tried communicating with them on several occasion to resolve this matter and they refused to work with me. There were times I called and was put on hold and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Capital One-Auto Finance to let them know that for personal reasons at the time, I was unable to continue financing my car. Financial personnel informed me of the procedure that I had to follow for the delivery of the vehicle and the termination of the contract with them. I did so, all the time in communication with that office. On XX/XX/XXXX, they sent a tow truck to pick up the vehicle and this was the final step to finalize and close the account with them. 

Currently I moved to the State of Virginia and on each application process to apply for housing, they have been unsuccessful, due to debts on my credit. I proceeded to verify the credit and I found that in addition to the debts that I am currently paying, which are not inconvenient for my rental purpose, a financial debt from Capital One-Auto appears. This started when they placed a debt in the credit history in the month of XX/XX/XXXX. I proceeded to call XXXX XXXX and XXXX and they told me that I should request the removal of that account in the credit history by making a Dispute about it. 

After making the dispute, I proceeded to communicate with the financier, explaining the situation to the person who attended me. I requested a certification that the case was already closed. On XX/XX/XXXX, I received it through my email, and they informed me in the letter that the vehicle was indeed delivered on XX/XX/XXXX, without further charge in this regard. 

At that time, the representative informed me that in their system they have a debt because when they sold the vehicle, they did so for less than its price. Information that was never offered to me when in XXXX I contacted the financial company. The intention was to have the correct information for the termination of the contract and the payment commitment. 

Now, in XXXX, due to the situation that arose regarding the rental application, I found out that in XX/XX/XXXX, Capital One-Auto posted that debt, as if it were new. When checking my credit, I realize why my applications were rejected. Capital One-Auto debt and the score that credit companies, XXXX XXXX  and XXXX have subtracted from my credit report, have nullified my chances of getting a rental home for myself and my children and for any other plans I had. In addition, in the most recent housing application, Capital One-Auto 's debt was posted again dated XX/XX/XXXX, and the companies ' credit report had an additional XXXX points subtracted from the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
on XX/XX/2023 i mr XXXX XXXX asked captiol one about my bill and sent payment in XXXX-2023 for card endind in XXXX and capitol one said XX/XX/2023 that everything is correct well how could that be when i have my proof of payment right hereand im the admistitor of this accout

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
An individual tries to sell me information on gaining unclaimed money from the government. This individual has begin sending me checks for deposit which I refuse to deposit and bank. I have no credits or financial bank with the XXXX XXXX XXXX. My bank is external secure and local.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting XXXX and Bmw financial.I would ask respectfully that the last page of the documents.That not my signature on the contract for BMW.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of BMW is on the face of the report as well as XXXX dates and a letter of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXXl Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-31 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: PNC Bank N.A.
State: PA

Complaint narrative:
The property at XXXX XXXX XXXX XXXX XXXX was purchased in XXXX.I have been making my monthly payments up till XXXX due to loss of employment income and had to file for XXXX XXXX XXXX which was discharged in XX/XX/XXXX. 
After the discharge the servicer ( PNC by XXXX with XXXX XXXX Mortgage ) want me to pay additional {$20000.00} ( other fees ) which they verbally confirmed over a telephone conversation on XXXX XXXX as attorney, foreclosure fees etc during bankruptcy.I don't think I should pay their attorney after I paid my Attorney over {$10000.00} during the XXXX.I am already delinquent by {$11000.00} ( see attached XXXX statement ) due to loss of employment income because I was suspended from my full time employment in XX/XX/XXXX and in XX/XX/XXXX I was asked to resign my full time appointment or be fired.I am struggling to make my monthly payments and can not afford to pay their Attorney fees etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I started a loan modification in XXXX of XXXX and made the payments and returned paperwork. I paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payment in XXXX. I called to find out what was going on multiple times each time they said they just need payment to clear to get underwriting done. Each time I called the next month and the same story. XXXX comes and I call again. They said the modification was denied due to paperwork was not returned or expired. Which it was returned in XXXX. They told me to reapply which I did but they denied with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: BOK FINANCIAL CORP
State: NJ

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX was paid by credit card for XXXX different toll transactions. However, we were charged for XXXX. We first started the dispute process with XXXX and was told that they only showed the XXXX transactions. BOK was then called on XX/XX/2023 to start the dispute process for the credit card charges. I was told by BOK representative that we would receive a letter with the case number. On XX/XX/XXXX I called back and let them know we never received the letter. They told me that it was still under investigation and they had 90 days to complete it. XX/XX/XXXX I called again and the case had been closed with no reason behind it. A new case was started and I received the letter on XX/XX/XXXX with the case number. It is now XX/XX/XXXX and I once again had to call BOK for an update. They again closed the case stating the charge was too old to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXXXXXX 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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I cancelled my account on XX/XX/2023, which within the 45 day window stated on the credit card statement for getting a refund of the annual fee that was charged on the XX/XX/2023 statement. They told me I would receive a refund check. The check never arrived so I called. They told me that although the monthly statement clearly states that I have 45 days to close the account to get the {$59.00} fee reversed, their internal procedures are based on 40 days ( my call to them came on day 41 ). They didn't disagree with me but they said there is nothing they can do due to constraints on their internal processes except write to their corporate offices. 

I sent a letter to the corporate office address they gave me on XX/XX/2023. They apparently kicked it back to the same Customer Care group I was trying to work with. That group sent me a letter dated XX/XX/2023 stating that they are " unable to fulfill your request regarding annual membership fee waiver ''. 

I am not asking for a waiver. I am asking them to comply with the terms for cancelling a card within the 45 day window as stated on their monthly account statements. 

I no longer have the card- I cut it up when I closed the account. It is the card ending in XXXX. My identifying information is in the letter I wrote to them, attached. Their case number is on their response, also attached. It is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX I applied for a roof loan thru XXXX XXXX. I had used them back in XXXX and Because of the experience, I used them again. The salesman in XXXX was more concerned lining his pockets and making a sale. At the time, my XXXX  score was over XXXX. He told me that I barely qualified and and found me different lender. He set the loan up with Service Finance. I was not familiar with this company. I did some research and discovered they were a lender whos primary focus is agricultural lending. Farming equipment that sort of thing. When I revived my welcome packet from them, the letter mentioned that the loan was a second mortgage. Or some type of home equity type installment loan. At the time I submitted the loan, I was about 6-8 months out before my marriage ended in a divorce. I believe that the XXXX XXXX agents aggressive strongman tactics plus the impact of a disintegrating marriage may have obscured my ability to understand the type of loan I was agreeing to. The loan was XXXX. And had {$250.00} payments each month. I noticed that the loan had some to interest and principal. It was a financial struggle and appeared to be going nowhereor minimally on a 10 year note. In the spring of XXXX I called them to see if any of the paid interest was 1098 eligible, tax deductible or not. The agent was very rude. Seemed annoyed and promptly said loan interest is t tax deductible. Today, I took that to imply a form of harm. Given the stress of divorce, plus the covid lockdowns, I didnt have the ability to inquire as I normally would have. I have paid them off. I felt this company was a slimy underhanded company. I also believe that I should have any monies returned to me, for what I took as material misrepresentation. Had I have known the loan was thru an agricultural lender, I would have explored other options, local banks, michigan saves loans, etc. the sales clerk was very insistent that he had no idea what a michigan saves loan was. Today. I find that hard to believe, since XXXX XXXX gave me a michigan saves loan in XXXX for a property my former wife had. I dont believe the salesman in XXXX was operating in accordance within the law. And was more concerned-with lining his pocket with a commission.

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 2023-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SG and Associates
State: NC

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under convergent outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account and attempt to attempt to collect on the account the account continues to negatively affect me, Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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