vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand Capital One Bank USA National Association ( Capital One ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint on my owner behalf to address issues sighted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened a HSBC USA bank account on XX/XX/XXXX, then when I tried to make a transfer after few day, HSBC called me to verify all the information. After that, HSBC tell me they decided to close my checking account, that is really bad, I am the HSBC customer for over than 6yrs in other city, my family banking with HSBC over than 30 yrs.

After they decided to close my account, they said someone will contact me shortly, but i never receive any notice from HSBC.

After 20 day they decided to close my account, they still not close my account, but not allow me to access my account and fund.

I contacted HSBC so many time, they said we don't have the exactly time when your account will be close, and your remaining balance will be return to you after your account has been closed? What is that? They don't know when will be close????? The money will not release to you until your account has been closed???? So the bank can freeze their customer money whatever how long they want? How stupid is that????? 

HSBC XXXX really means XXXX? 

PLEASE HAVE A VERY CAREFUL CONSIDERATION BEFORE YOU DECIDED TO BANKING WITH HSBC, SO MANY INTERNATIONAL BANK IS BETTER THEN THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
I consumer XXXX did not enter into an agreement with Americollect have submitted a dispute several times with this company via the data mining company XXXX on date XX/XX/2022, I was told via XXXX that " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However, the investigation does not meet the requirement, there was no proof submitted to me to verify what XXXX did to investigate this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went and applied for a car loan and was told my report would only be ran once, but there are over XXXX hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
We made payments to the original lender, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until it sold to XXXX XXXX XXXX XXXX XXXX and finally to Specialized Loan Servicing LLC XXXX XX/XX/XXXX. XXXX still holds XXXX Deed of trust on our house. Our first payment to Specialized Loan Servicing ( SLS ) was XX/XX/XXXX. No payments were missed. I called SLS XX/XX/XXXX to confirm payoff and maturity date as we were close to paying off. They gave me an amount of {$8600.00}. According to information I have it should have been around {$2500.00}. ( There have been some paymts deferred but not $ XXXX ). I have send them proof of payments from the bank from XX/XX/XXXX to XX/XX/XXXX. I have also emailed the prior lender who has advised me they have send all information including payment history to the new lender. SLS will not concede that all payments have been made. They tell me that I've made late payments and interest has incurred. They have told me I couldn't have paid that amount off in 15 years. None of this makes sense. I have been in conversation with a local banker and he has looked at my paperwork. It's a simple interest loan and there is no way I still owe them according to last matured loan full payment due notice showing {$7200.00}. I just want them to prove to me what they are saying and I don't believe they can because anyone would have foreclosed had we been that far behind on a loan. I have several documents to prove this point. You can even find complaints on a website : 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 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
After obtaining my consumer reports, I noticed on my XXXX report that there is an unpaid account from PlusFour Inc. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$250.00}. It states that the original creditor is XXXX XXXX XXXX, but there is not an outstanding debt, as my insurance has paid this. I have never received any written documentation from PlusFour, Inc., regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report on XX/XX/2022. This " debt '' is considered invalid. I request that this account be deleted and completely removed from all consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports p

ursuant to 15 U.S. Code 1692c ( c ). Failure to comply will result in fines. Best regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint on my own behalf as a urgent matter. Accounts are furnished to my report that i did not consent to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
In XXXX I asked for {$400.00} loan and the girl insisted she gave me {$1100.00} I told her I did not need this amount she said you can give it back what you do not use. I paid XXXX payment of {$220.00} and today asked for a payoff and was told it would be {$1300.00} does that not mean I am charged {$540.00} interest for 2 months PLEASE ADVISE THANKS XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Oportun allowed fraudulent charges on my credit card, I haven't made any purchases on the card as of today. XX/XX/2022. Yet Oportun show 's the balance is {$500.00}, I did call XXXX XXXX  and advised them that I never made charges on this account as of yet, that there are fraudulent charges from a XXXX XXXX, fraudulent charges from a XXXX, fraudulent charges from a XXXX  's and XXXX XXXX. I have not made any of these charges. These charges date back month 's ago, I already called in and reported that. Oportun never assisted me with these charges. Instead on XX/XX/2022 The date the payment was due Oportun proceeded to charge me with a LATE PAYMENT ON THE DATE IT WAS DUE. In the amount of {$25.00}, and they harass me daily. Again, I haven't made any charges on the card as of yet, so there shouldn't be any balance. I want these fraudulent charges disputed and investigated. These are unauthorized charges. These date back month 's, and Oportun continually doesn't assist with the issue. Instead assumes I should pay for the fraudulent transactions. I have made several attempts to contact their customer support to advise of this including the number that I was directed to call for the Fraud Department and the lady never could understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a collection that I do not recognize and is not mine was charged to my credit by the company Rs Clark & Associates for XXXX dollars and that debt is not mine. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
fraud accounts not mine and needs to be deleted as soon as possible. 

XXXX XXXX # XXXX has violated my rights. 
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 explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Due to the pandemic, my hours were cut at work and I learned from my mortgage company that I could forebear my payments and keep my home, so I did. But on XX/XX/2022, I received a letter from my mortgage company indicating that I had a surplus in escrow in the amount of {$1800.00} but that due to the delinquent status of my account, they would be retaining my surplus. I called them to dispute this matter but was never called back. A few months passed by and I was able to start working full time again and informed my mortgage company that I wanted to end the forbearance plan and resume making my mortgage payments and immediately a package arrived for me to sign all the papers needed to push all funds owed under the forbearance to the back of my loan, that was notarized and sent in and around XX/XX/2022, I received email notification that all payments had been made and my loan was caught up to date. So, I then called the mortgage company about my surplus, asking for it to be released to me. The representative said, yes, this would take about 3 business days and I should receive a check in the mail. I never did and when I called back and spoke to a different representative, I was told that an investigation would need to take place and the next letter I received indicated that I owed XXXX or that my new mortgage amount would go up from {$1400.00} to XXXX per month ; this email was sent to me on XX/XX/2022. 
I have a serious concern that wrong doings have happened to me and need an external advocate, hence I am writing to you. 
Please assist me, for something is wrong within this company. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo refuses to offer me the COVID-19 Recovery Standalone Partial Claim : for homeowners who can resume making their current mortgage payments. 

Wellsfargo will only offer me the : COVID-19 Recovery Modification : for homeowners who can not resume making their current monthly mortgage It seems as though Wellsfargo is trying to take advantage of the COVID-19 Federal programs by not extending the Standalone Partial Claim without the borrower going through the modification process. By following this practice Wellsfargo is extending the loan maturity date of borrowers and forcing mortgagors to pay for additional fees and interest way beyond the original terms of the loan. 

I just want to resume my monthly payments without a modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done buiness with any of them .These collections companies do not have a contact with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This company did not respond to my XX/XX/2022 request for debt validation.

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