vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : MIDLAND FUNDING CLAIM FOR TWO XXXX XXXX XXXX XXXX DEBTS To Whom It May Concern : This filing explains Midland Funding, LLC purchase and collection on my two XXXX XXXX XXXX XXXXXXXX debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, Midland Funding was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this 1 ) date ; and, 2 ) amount paid to Midland Funding. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXXXXXX XXXX XXXX XXXX. See Doc A & chart below : Instrument no. Book no. Page no. by Midland Funding, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM : I paid XXXX XXXX XXXXXXXX debts XXXX XXXX XXXX XXXX XXXX ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, Midland Funding, LLC ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ XXXX XXXX XXXX ] ( price paid in full as agreed XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5700.00} {$870.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  : Attached find the two ( 2 XXXX XXXX  XXXX XXXX settlement letters ( dated XX/XX/XXXX ) both PIF. See Doc C & D. Also, see attached XXXX XXXX XXXX showing XXXX XXXX XXXX with XXXX XXXX  XXXX account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I got my account statement with an interest charge of {$78.00}. For the XXXX statement my pending balance was {$6000.00} which was paid in full on XX/XX/XXXX which is well before the due date of XX/XX/XXXX. This included the interest for my last month 's missed payment already. 

I checked with the citi representative on why I am being charged interest for the previous month 's balance when I paid it in full and before the due date and this is what I got in response - " When the statement balance is not paid in full, interest bills that month based on the daily interest accrued for that billing cycle. Then, on the following billing cycle, the remaining interest charge is billed. The remaining interest is the amount that accrued from when the last statement cycled until we received complete payment in full again. We require two consecutive payments be made in full on time for interest to stop accruing. '' This is when I learnt about Double Cycle Billing and also learnt that this is prohibited since the credit card act of XXXX. 

This is an unfair practice which is still being carried on without proper knowledge of the consumers since these terms are not published clearly and buried deep in the agreement. 

I urge the government to please take necessary action against big companies which keep on extorting money.

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 2023-08-10 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: CBC Companies, Inc.
State: TX

Complaint narrative:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 

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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Bloomingdale 's store credit card a store and purchased several home good items for a total of {$490.00}. At the point of sale, the card application was completed and my physical card was received in the mail sometime later. My wife does not recall if and when a card in her name was received and lost. My card has always been in my possession. The purchases on XX/XX/XXXX were the only purchases I or my wife ever made on the Bloomingdale 's credit card. Following those purchases, {$12000.00} was charged to the card at in-person locations over the period beginning XX/XX/XXXX and ending XX/XX/XXXX which was around the time I became aware of the activity and cancelled the card. During this time, and unbeknownst to me, 4 payments on the card were made from my checking account totaling {$10000.00}. One payment of {$30.00} was made on XX/XX/XXXX that did not come out of any of my payment accounts. Several attempts to recoup these payments made for the fraudulent transactions and reverse the outstanding balance have been denied by Bloomingdale 's, citing insufficient evidence as well an unsubstantiated claim over the phone that identification was produced at the point of sale. On XX/XX/XXXX, they issued a letter stating their final determination has been made and the matter is considered closed. There was no appeal process outlined in that letter. I have made a single subsequent payment in the amount of {$140.00} on XX/XX/XXXX to keep my credit in good standing while attempting to resolve this issue. On XX/XX/XXXX, I filed a police report after researching further courses of action in a situation such as 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


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 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Our house burned down on XX/XX/23. The insurance company sent the check for {$610000.00} with my wife, I and SPS Mortgage company. We signed the check and sent it SPS Mtg on the XXXX. I called every day for 9 days, SPS stated that they didnt receive it up until the XXXX. The same day I was told by the Loss department of SPS that the check came.I revealed that the check was stopped and another endorsed check was sent on the XXXX. The check was cashed on the XXXX and I was told that it would take up to 30 days to receive my approximately {$470000.00}. I have called over XXXX times and never can get any definitive answer to what the actual procedure was and the last 4 times Ive called have received 4 different answers. SPS Mortgage has refused to give me my {$470000.00} dollars. How do I get my $?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CT

Complaint narrative:
I paid my credit balance of {$31.00} in XXXX of XXXX my payment was kicked back due to Webster bank changing routing number and didn't tell me until XXXX of XXXX when I repeated was putting payments in for {$31.00} so my card wouldn't show a balance. Paid again XX/XX/XXXX with new routing number and its still showing on 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX  account ending in XXXX with XXXX  amount of {$640.00}. Midland Credit Management has the account XXXX in collections. I had no knowledge of this account. I have been receiving up tp XXXX or more calls per day. I also reported it under my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, I closed my CD account with BMO Harris Bank via online support. The amount of the account was {$34000.00}. I was told that it was banking policy to send customer funds on closed accounts via regular mail. Note, when i opened the account, BMO Harris Bank allowed electronic transfer into their bank but not fund transferred out.

After ten business days from the date of closing and check issuance of my proceeds, i still had not received the check. I called customer service and told them of the situation. After validating my mailing address, they told me it would take longer. In the several times i called customer support i received three different answers as to my check delivery time period.

After three weeks, i called customer service and stated that i had not received the check for my proceeds. The BMO Harris bank customer service agent proceeded to send my via email a lost affividavit form that i had to get notarized and submitted back to the bank.

When i read the cover letter, it stated that it would take 90 days from the original issue date before they would remit another check unless i obtained a surety bond. A surety bond costs between {$800.00} - {$1400.00} for the amount of my proceeds to obtain. Given the high cost of the bond, i sent back the notarized affidivat form XXXX  XXXX and a return XXXX  XXXX label ( at my expense ) so it would not go regular mail. ( I was told unless i provided a XXXX XXXX  account number, they would not pay for an express delivery. ) I asked if they could wire the money to me instead and was declined. Given their stringent policy about using regular mail to delivery customer account funds, there is nothing i can do to speed up the process. 

Lastly, by the time i finally receive my funds, over 90 days will have passed, no interest earned by me, and incremental costs for shipping and notary fees incurred ). Thank you in advance for looking into this issue.

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