vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
N accordance with the Fair Credit Reporting Act NATIONAL CREDIT ADJUST Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-10-07 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: AL

Complaint narrative:
I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I paid my complete statement, of {$690.00}, 3 times. once on XX/XX/XXXX, and twice on XX/XX/XXXX. 
The repeated payment was due to rejected status - attachments to prove In the following month, I was notified that y account would be closed due to an excessive number of payments. I have received an electronic message with it but I can not access it anymore via the email sent, nor it is on my Message Center on my profile with the company I have asked the company to revoke this cancellation, stating that I was trying to pay and did so regularly - multiple times even before the due date. 

This cancellation has significantly impacted my credit score, which is already a struggle as a recent XXXX, trying to build up the score to buy a house and a car.

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 2022-10-07 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: LA

Complaint narrative:
I submitted a dispute with Experian, XXXX, and XXXX regarding inaccuracies on my credit report with the debt collector XXXXXXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.

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 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OZK
State: NC

Complaint narrative:
Bank OZK begins calling the day after a payment is due. Sometimes calling multiple times daily AND sending at least 1 email daily, sometimes 2. My husband lost his job and we got behind on 2 payments. They of course only attempt to call during the day and while I work longer hours than they state their business operates in, it is hard to get in contact with the company. Almost every voicemail that has been left on my phone is hateful and they seem annoyed to be doing their job. I have attempted to pay what was owed in 2 separate payments totaling {$900.00}, while the amount owed was {$750.00}. They sent a letter stating the original {$500.00} payment was refunded on XX/XX/22. Which as of XX/XX/22 it has not been, and the additional payment of {$400.00} made has not been posted to the account as of yet. In the letter stating they were refunding the payment they also stated they were moving forward to " repossess collateral ''. I highly doubt this is how a business should operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We deposited a cashiers check from our couch buyer ( Scammer ) for the amount of {$3200.00} to a Chase Bank Branch in XXXX CA, teller accepted the cashiers check. The following day I checked my bank account and the check is still on hold but chase issued temporary available amount from the check of {$3200.00}. Next day, scammer told me that he changed his mind because family member got to an accident and wants me to send the money back to him through " XXXX '' from my bank account. I send the said amount to buyer. The next day, the cashiers check bounced and I got my checking account into a negative/insufficient funds. I called chase and talk to a manager and manger told me that the cashiers check is fake, I told the manager how come chase branch did not check if the cashiers check is fake or not and even the bank cleared it. Then manager answered nothing she can do about it and she said as of now you owed us {$3200.00}. They don't want to return the money even if its a bank error. I even asked the manager to take out the negative status on my account but manager said nothing they can do because i authorized the transaction. But I don't know that the check is fake because chase bank branch accepted it and the funds is available on my account to use. So its really not my fault to have my checking account to a negative balance. Please see attached cashiers check and receipt of the deposit from chase that shows that the check was cleared. 

Please help me solve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I completed an online application for a {$75000.00} mortgage loan through Rocket Mortgage aka Quicken Loans on XX/XX/22 yet my application was denied because of then given " XXXX XXXX '' XXXX XXXX of XXXX ; wherein XXXX ( the lowest reporting score of the XXXX national credit bureaus ) was used to deny my application. I discussed with a senior advocated for Rocket Mortgage why the low score when other bureaus and models were showing a higher score that would have qualified my application for the loan yet insisted he to has never heard of a " XXXX  XXXX '' scoring. I later called back on XXXX to request a copy of my completed application used in their decision making process but was told there is no application available to provide to me. However ; earlier on that day XXXX a banking agent within Rocket Mortgage stated there was no application or record of me ever applying for a loan with Rocket Mortgage on XX/XX/22 only showing that I had telephoned on XX/XX/22 inquiring about the status of my application. I will conclude that information provided in my application to Rocket Mortgage ( besides the credit bureau and score they used ) was in whole part of their credit decision in denying my loan ... in other words, XXXX XXXX  and XXXX XXXX  my application refusing to provide or produce a copy of my application is a sign of Rocket Mortgage aka Quicken Loans trying to hide their decision making process in denying certain XXXX XXXX XXXX  for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Hello CFPB I am submitting this complaint and seeking your assistance to prohibit Selene Finance from foreclosing on my home located at XXXX XXXX XXXX, XXXX  XXXX, XXXX NC XXXX ; loan # XXXX. My XXXX XXXX mortgage was previously held by XXXX then sold to XXXX ( peer company to XXXX ) and then sold to Selene. XXXX refused to honor the protocols allowed to XXXX XXXX  backed mortgages and stonewalled me with various excuses and insisting I refinance the loan. When Selene took over as the mortgage servicer I was told the loan was not backed by XXXX XXXX and refuses to provide information regarding who currently owns the loan. 

On XX/XX/2022 I submitted an the Borrower Assistance Program application, followed by weeks on being advised that Selene had not received my application. As it turns out the issue was that Selene would not access the link provided in the email which contained the digital forms. Thereafter it was multiple requests for additional documentation, repeat documentation, signed documentation. Resulting in my application being cancelled on XX/XX/2022 and my home going into foreclosure status. I've been advised by Selene that my home is in the foreclosure process but that my request for assistance is under consideration, however that the foreclosure process continues underway which is going to result in Selene selling my home. I have requested Selene to do the research on the loan as it was previously backed by XXXX XXXX  and since the request for assistance started during the Covid109 Pandemic that allowed payments to be suspended. To date Selene has and will not provide information on that topic. 

I'm requesting your assistance in putting a stop to the foreclosure process on my loan XXXX / home while my request for assistance is reviewed and hopefully approved. I also want assistance in requiring Selene to acknowledge this is a XXXX XXXX backed loan and therefore eligible for all options for repayment / modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corp is reporting negative information on my file for # XXXX from XXXX XXXX. I called XXXX XXXX and gave them my name social date of birth they said i donot owe them anything. called credit control corp and they said they dont know what it is and when it occurred. credit control corp never send me any written notice before or after putting on my credit files. i have called and requested them to provide me any bills any signed copy or any documents to prove this debt. i have disputed this with credit reporting agencies but credit control corp simply verify this as correct information and refuse to take it off. on top of all this they are reporting three totally different information about this account to these three reporting agencies. Dispite many many letters and phone calls this wrong information still shows on my file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I closed my Barclays credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

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 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
account is stating inaccurate reporting account open as XX/XX/XXXX with Account type as OPEN, I XXXX detail as COLLECTION and Account status as DEROGATORY with a {$410.00} and XXXX late. Yet, Reporting date last payment as XX/XX/XXXX while payment history is reporting payments all the way from XX/XX/XXXX to XX/XX/XXXX being OK as agreed. This makes no sense with date last payment. There is no way account can be all of the above at the same time. Now, there is no possible way that account was first reporting date of last payment way before account was even open. Account is currently reporting OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with charge off XX/XX/XXXX still reporting account being opened with comments of collection account with the same balance of {$410.00} there is no way that account can still be reporting payments up to XX/XX/XXXX and balance continues being the same. if information was to be right there should be no balance at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
( I sent you the wrong company. So acct XXXX is wrong just delete it ) Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Transunion 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 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-10-07 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: FL

Complaint narrative:
Delete Late payments from XXXX XXXX XXXX Installment Loan of {$520.00}. Account # XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Received the following text although I do not bank with Wells Fargo. Seems and obvious phishing attempt and should be stopped. Text from XXXX ( XXXX ) XXXX. 

WellsFargo : Debit Alert. AcXXXX Blocked Due To Recent Trans. Visit www.wells-groups.com/? wf To Remove BIock

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not been able to retrieve my Experian report for the last XXXX years. Experian stated that there is no freeze or fraud alert on my consumer report but I am still unable to access my credit reporting via the Experian website, and other repositories. This is hindering my livelihood. I am currently looking to purchase a car and the dealers are reporting that I have no file. Something is going on with my file and it is Experian 's duty to insure this is available so I may have credit extended to me as a consumer. This has inconvenienced me for many years with creditors relying on Experian 's data to extend credit and they have failed to do so. I have had multiple adverse action decisions due to Experian 's negligence. 

I am looking for Experian to do the right thing and compensate me for the damages. I am requesting {$25000.00} which is way below the adverse action losses I have accumulated since 2020, as well as my consumer report restored to accessibility. 

Thank you

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 2022-10-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act accounts listed below have violated my rights These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there. 

XXXX XXXXSC 1681 sections 602A states I have the right to privacy 15 USC 168 section 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo reported me 30 days late in error in XX/XX/XXXX on XXXX and XXXX. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. WF even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this WF account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to Wells Fargo to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I have lived in North Carolina for XXXX years and have had absolutely no interaction, live or online with XXXX XXXX of XXXX Wisconsin in all of that time. They have no reason at all to check my credit and I did not give them permission for any reason to check my credit report. The following information is directly from my most recent XXXX credit report That I requested today XX/XX/2022. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: SC

Complaint narrative:
on XX/XX/2022 I was contacted by a company that bought a old debt of mine that already was off of my credit report they took that debt and added back to my report causing it to become reopened and hurting my credit score.

Company response to consumer: Closed with explanation