vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: OK

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had lost my job and didnt have the money to pay the credit card bills and its bring my credit down really bad Im really needing a new vehicle but cant because of that.. i have a full time job now as a machine mechanic i make great money now so i can afford to pay for the payments i been paying them so Im tryna get these off so i can build my credit back up. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lenmo Inc
State: NC

Complaint narrative:
I currently owe the company {$170.00}. This initially started because the lender said my payment was late and there was no record from the bank that a payment was attempted. I disputed this with the company and they took almost a week to respond to me. This caused me to also block a transactions from them by my bank because no one at the company could tell me when the payment was attempted from my account. I agreed to pay but things transpired and could not. Quite frankly, their lack of communication was egregious. I have been sent several messages in which the representative has stated they are a lawyer for the company and they will put a lien on my property. I asked to speak with the attorney and for them to send a letter and they have not. There is no number to call and they only contact you via email. I have asked them to stop sending me threatening emails as it violates the fair debt collection practices and they have not. I have paid {$50.00} towards this debt and intend to pay the rest. However, I will not continue to be harassed in the manner in which I am being harassed. One of their emails even states my credit score will drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: VA

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. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is in reference to my CFPB complaint that I filed against Synchrony Bank and it's Collection Agency XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

Please reference case number XXXX. 

Today I received notification that SYNCHRONY Bank placed a NEW balance owed mark on my credit report AFTER they sold my Debt to XXXX XXXX XXXX XXXX. This is in violation of the Fair Credit Reporting Act. Once the Debt is sold, Synchrony can no longer report to the respective Credit Bureaus. I will attach the screen capture from XXXX to this complaint. This is the information in the entry submitted today. 

Lender : SYNCB/CAR CARE PEP BOY Current balance : {$2600.00} Account number : XXXX... 
Credit limit : {$1500.00} Amount over limit : {$1100.00} This reporting by Synchrony is obviously in retaliation to my filing a complaint, ref : XXXX, to the CFPB. While I am not a lawyer, I am fairly certain this is illegal.

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 2023-02-01 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: AZ

Complaint narrative:
When I discovered my XXXX XXXX dropped XXXX points I looked to find out why, because I worked so hard to not be late and keep my credit score high and pay my revolving accounts on time. I discovered I owed {$14.00} to XXXX XXXX and I paid it immediately, then I requested the account be closed because I didn't want this to happen again. I contacted XXXX XXXX by phone and they discovered they had the wrong address on my account, and I never received a bill. I asked them to contact all 3 credit bureaus to request the delinquent status be removed. They assured me they put that request in. I also disputed the delinquent status with all 3 credit bureaus. It appears that XXXX and XXXX removed the 30 to 90 day delinquent status but Experian refused to remove it from my credit report, statingThe credit reportsme delinquent. It was only {$14.00} and I never received a bill. So to have my XXXX XXXX severely affected XXXX point Negative seems extremely excessive. appreciated.

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 2023-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This debt do not belong to me. I sent 2 dispute letters that seemed to be ignored and I have not received a response.

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 2023-02-01 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: CA

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 and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX CO ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX 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 an 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, Equifax, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

Exquifax- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. XXXXViolation XXXX was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and Experian. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

XXXX- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. XXXXViolation Experian was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation

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 2023-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I sent dispute letters to cra. I didn't receive any results in the mail or email. I also called and asked if they received my dispute letters and agent told me they don't have. I know I sent my letters and I've waiting 45 days as of today and they are not following FTC GUIDELINES. I'M TRYING TO PURCHASE A HOME AND APPLY FOR LOANS AND BECAUSE OF CRA NOT RESPONDING TO MY LETTERS IS KEEPING FROM APPROVALS.

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 2023-02-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect personal information 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo processed payments that were not authorized then charged my account NSF fees. Further, they have continued to post a larger balance on my account on online banking and at the ATM, THEN, they deduct fees which cause my checking account to be overdrawn. This is a scam!

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 2023-02-01 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: UT

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: UT

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected. 

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 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: KY

Complaint narrative:
Edfinancial last reported my loan on XX/XX/2022. On XX/XX/2022, my loans were transferred to XXXX. My Edfinancial account balance is XXXX ( I can't even log into their system ). Edfinancial has failed to report the XXXX balance to the credit reporting agencies since it was transferred in XXXX. Thus, it appears that I have outstanding loans through both XXXX and Edfinancial totalling approximately {$100000.00}, double the approximately {$50000.00} it should show ( I got word last week that my student loans were forgiven under PSLF but XXXX hasn't had time to update yet ). 

When I contacted them, Edfinancial tried to state that it only appeared to be open due to how tradelines are reported but an open account is not the problem. The problem is that my debt balance is double what it should me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a wells fargo mortgage that was opened in XX/XX/2011. Unfortunately, I am one of the over XXXX XXXX wells fargo customers whose mortgage account and life has been negatively impacted by their constant unjust and unethical business mortgage practices. This CFPB claim is being filed to request my inclusion in the newest {$3.00} XXXX and/or {$200.00} XXXX in refunds to be distributed. This is all due to them harming their customers. Truly, wells fargo thinks that they are an untouchable giant who can not be penalized for their wrong doing. Their endless cruel, abusive, and deceptive business treatment towards their customers is bold, endless, and totally unacceptable. Personally, they have mistreated me in the following manners : 1 ) consistently overcharging me with multiple PITI payments monthly. For example, charging me upwards of XXXX payments versus XXXX payments per year. Then threatening foreclosure if not paid. 
2 ) holding my XXXX payments hostage in their " Unapplied Funds '' account. Then claiming that I was 4-5 months behind on payments of mortgage. Then threatening foreclosure. 
3 ) unfairly refusing to correct loan modifications, payments paid, ignoring extra payments, etc.

4 ) incorrectly charging me fees, other costs, forcing late fees, demanding duplicate pays, etc.

5 ) refusing to decrease my mortgage balance after extra principal payments paid, etc.

6 ) double charging my escrow homeowners insurance account.

7 ) forcing me into the courts in order to stop their increasingly unfair harassment. 
8 ) transferred my account to their sister company without notifying me or their bank. To avoid mortgage balance correction. Plus, to say they did not have my records anymore. 
9 ) reported my account PIF ( which it is XXXX ) ; yet, is allowing their sister company to charge me {$70000.00}. Again, an incorrect balance. 
10 ) refusing to acknowledge that this mortgage balance is incorrect and they owe me refunds.

11 ) was harassing me to refinance my 15 year mortgage ( half paid off ) to a 40 year mortgage or face foreclosure. Documents available to prove this point. 
In closing, your assistance is sought on two levels. First, to be added in the newest {$3.00} XXXX wells fargo settlement. Second, to assist me in correction of my mortgage balance service issues. Thank you sincerely.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I.m request for a loan Deferment on my account to get a grace period to get caught up on my account to bring it current but i.m falling back in hardship but i.m current request this loan Deferment... customer need help ....

Company response to consumer: Closed with explanation