vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A - Section 2 states that a consumer reporting Agency can not furnish an account without my written instructions I am requiring the enforcement of my privacy as I did not give any written instruction to any credit reporting agency or bureau for these accounts or any remarks to be furnished 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 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I purchased my home in XXXX for XXXX for {$240000.00}. It appraised for {$240000.00}. 
On XXXX I made a principal payment of {$1200.00} that dropped my principal to {$180000.00}, which is less than 78 % LTV and according to my original loan officer and the homeowners protection act of 1998 my PMI should automatically drop. I messaged Freedom Mortgage on XXXX and XX/XX/XXXX explaining that I was less than 78 % LTV and asking them to confirm my PMI would drop. I had multiple conversations on the phone with people, they would say my LTV was fine and another department would have to fix it, then I would get a message that my LTV is above 80 % and I need a BPO. Or they would say my LTV is fine, but XXXX XXXX is still requiring a BPO. My original mortgage officer was on this call and was emphatic that that is not the law and it should drop at 78 %. They could never tell me what their math was. So I waited for my XXXX statement to post thinking maybe the department that calculates it is behind on payment information. On XXXX I made a monthly payment, which was factored into my next statement. My current principal balance is {$180000.00}. I messaged Freedom on XXXX with my math and again asking them to confirm my PMI would drop and I wouldnt be charged it anymore. They responded today that my LTV is above 80 % and I need a BPO.

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 2023-08-17 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: TX

Complaint narrative:
United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas has NO interaction with credit bureaus ( EXPERIAN, XXXX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( EXPERIAN, XXXX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by EXPERIAN, XXXX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. EXPERIAN, XXXX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, EXPERIAN and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.

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 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
The collection company Louisiana Recovery Service ( XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX ) was reporting a medical bill on my credit report. The high balance on the report was stated as {$1000.00} and the balance on the account was XXXX. After I made a big purchase ( and not getting the best deal ) I was told about this collection account on my credit report. After disputing this more then once with the credit bureaus it always resulted in updated report. Upon further request and calling insurance company I was informed that the billing amount for this service was {$1000.00} and after the insurance paid the balance was XXXX. This balance is still being investigated because I'm almost positive I paid this. Anyway, because of the new laws that they president implemented, this collection agency was falsely reporting amounts to keep this on my credit report. This is not fair and unjust!. I had to spend weeks to speak to all of the credit bureaus to get this removed.

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 2023-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Dear members of the CFPB, My name is XXXX XXXX XXXX XXXX and I am writing to you to formally lodge a complaint against Bank of America ( BOA ). The reason for this complaint lies in a series of XXXX unauthorized and fraudulent charges on my credit card that BOA has refused to remove despite having followed the protocol for reporting unauthorized charges. These transactions all occurred on the same date, XX/XX/2023, and their amounts fluctuate between {$99.00} and {$99.00}, which I find highly suspicious. 

Please see attachment of the BOA Statement ( transaction date XX/XX/2023 ) The total of these fraudulent charges amounts to {$2400.00}. 

I contacted BOA and followed their protocol to report these unauthorized charges. However, during a follow-up call with BOA customer service today, I was informed that a letter was sent on XX/XX/XXXX denying the removal of these charges. I never received this letter. This decision is unacceptable and contradicts my consumer rights in cases of banking fraud. 
I hope that the CFPB can intervene in this matter to ensure that BOA assumes its responsibility and reimburses the fraudulent charges. I appreciate your attention to this complaint in advance and look forward to a favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX box 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 monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/23, my friend informed me that he made a domestic CA to CA wire to my Citibank account to repay the loan I had previously given to him. The following day I began to watch my account for the funds, but XXXX days passed and nothing was received. I contacted Citibank asking for status, and they informed I need the sending bank to issue a trace. 

I asked the sender to do so, at which point the sending bank informs me that Citibank contacted them for my XXXX XXXX/Reason for the wire. I passed the information along to them, and they replied the XXXX XXXX to Citibank. This was on XX/XX/23. 

So the following Monday, I called Citibank to inquire about the status, and still they don't acknowledge any wire. I Contact the sending bank again, and they give me the confirmation numbers and I advise Citibank, and they have no record of it. I visit Citibank branch and ask them to help, and they are also unable to see the wire. 

The sending bank informs me that they have been sending the asked for information daily, and Citibank has not issued a reply. We conference call Citibank, and they still dont acknowledge any wire. At this point, the sending bank informs they can try to recall the wire in hopes of bringing some attention to the wire, which I agree. That was yesterday on XX/XX/23. Citibank still has not responded or acknowledged any wire.

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Im not sure what's going on, Capital One continues to contact me about an alleged debt and even communicating with credit reporting agencies my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I constantly check my credit report and noticed that there were errors and false misleading information for hard inquiries that didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB enforce the correction and or deletion of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
in early XXXX of XXXX  I in good faith applied for an extension of my consumer credit in order to receive a car and was denied. I am credit worthy and I supplied my social security card number and my driver license number on the application which according to the consumer credit protection codified in title 15 chapter 41 of the U.S.C, are in fact credit cards. ( XXXX credit cards ) I exercised my rights and notified this company of their illegal practices on XXXX XXXX. After reviewing my notice, they still decided that they were not in violation. when I asked for their claim in writing they refused to put anything in writing, stating " we don't have any correspondence for that ''. Even though it sounds like the lady was reading off a Letter. So, I am in good faith again trying to get their response to this matter in writing. This company is in violation of discrimination on a prohibited basis of my consumer rights. This is an official public notice that I will be using civil action. I have attached the correspondence sent to me from Capital One and the correspondence I sent them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Continuously reporting erroneous information on my credit report, which I have notified them of these errors which they have NO permissible purpose via my handwritten consent to report this account. Their actions show complete negligence & non-compliance in this matter. I also have proof from the original creditor, that I do not owe anything on the account at all, therefore because this has been injuring my financial credit worthiness, I'd like the account to show/reflect as paid in full & paid as agreed. As well as the invoice to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm XXXX XXXX. I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act.

According to 15 USC 1681 Section 602, I have the right to privacy.

In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions.

Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2023 To Experian XXXX XXXX XXXX XXXX, TX XXXX To Experian on XXXX XXXX I sent letter request to have deleted JPMCB account number XXXX, from my credit file and also sent XXXX report letter, account delete and Experian report, see attached Please find enclose XXXX XXXX account number XXXX, delete letter Please delete XXXX account number XXXX from my credit file ASAP .and send me a confirmation letter and copy of my update file within 7 days Thank you 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
There are errors associated with this account. I do not have an agreement with this agency to pay a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a free checking account and it's U.S. Bank XX/XX/2022 was supposed to have no fees they cancelled all the no fee accounts and are charging monthly fees of {$6.00} each month will not credit fees. 

I didn't not agree to a monthly fee account at US Bank this is fraud they are stealing my money since XXXX {$70.00}

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
my husband paid {$220.00} on XX/XX/XXXX Westlake financial services he had to pay via XXXX because they said their XXXX  system was down. The payment did not post and they showed up at XXXX oclock in the morning the following day XXXX XXXXand repossessed our vehicle, they took the vehicle XXXX miles from our home and we were forced to pay $ XXXX top of the XXXX not including the XXXX dollars in gas for both vehicles to get where we need to go to bring the vehicle back because they wrongfully repossessed our car and it was even admitted by XXXX different supervisors. They also told us that if we paid the amount immediately that we were able to go down and get the vehicle, but they would not give us the details of where the vehicle is being held until we paid that amount we had to wait XXXX days to get the vehicle after that which we were intern, charged interest and fees for As well. we were also told if we paid the amount almost amounting to {$1000.00} that everything was caught up and no further issues what happened and they credited our account and then took the credit back now they are reporting to the credit agency that our payment is 32 days late, which is severely incorrect and I want something done about this company on our way to pick up the vehicles. I looked up the remarks on the XXXX XXXX XXXX in there are XXXX complaints for the same issue. I have also filed a report with the state attorney generals office whom I spoke with XXXX and he also told me that there are thousands and thousands of complaints with regards to Westlake financial services. They need to be shut down if I have to hire an attorney and file a class action lawsuit and a personal lawsuit to get my money back for their unlawful acts I will. This is not OK and something needs to be done about it as being without my car, put my son who is XXXX  health at risk amongst putting us in a financial hardship, which we should not have been put in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC has ignored my request to remove a negative account that was placed on all three credit bureaus. I will attach documents that i recently sent to them. I have spoke to the and even explained that the address that they have on file isnt mine and I never live there.

Company response to consumer: Closed with explanation