vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
We got behind in our mortgage payments due to being self-employed. I called the company in XXXX to try to resolve our past due debt. At that time, I was told that they refused to work with us on a payment plan and refused to modify our loan or grant us a forbearance. At this time, I was verbally told over the phone that my account was in foreclosure, but they failed to send me notification of the foreclosure. I asked to get a notice sent to me and they said that they don't send any notices of foreclosures to their customers. I called in the beginning of XXXX to ask again for disclosure. This time they informed me that the amount I owed was {$11000.00} ( in XXXX I was told I owed {$9900.00} ), and that the only payment that they could take was a bank transfer. On XX/XX/XXXX, I called again to verify the amount that I owed because we were able to get the funds necessary to get the account caught up. I was told that we now owe over $ XXXX. Once again, I was denied any notification how my account could increase that significantly in just over a week. I paid the amount required on XX/XX/XXXX through a bank wire and added additional money to the payment to go towards my next payment. I then called the company to verify that my payment was received. It was at this time that I found out that they held onto my payment for 3 days and didn't apply the funds to my account until after they applied additional fees to my account. Conveniently, the fees added up to take up my whole payment and didn't leave any money to be applied to my next payment. I was told to email them to get an explanation of the fees and they if they would negotiate the fees. They refused to negotiate and send me a disclosure the fees that they attached to my account. They kept my money and left me with no overage. This is theft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
VENMO STOLE {$1500.00} FROM ME! since XX/XX/2023 my funds are stuck in Venmo! they do not allow me to add a new bank account to withdraw my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
They gave me a very high interest rate so my installments are very high on my fist payment XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number 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 I will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: OPORTUN FINANCIAL CORPORATION
State: MA

Complaint narrative:
On the date of XX/XX/2023 at XXXXXXXX XXXX. eastern time zone, I had dial the dedicated customer service phone number for the Oportun 's credit card department at XXXX and pressed 1 when prompted to speak to live agent. I was able to connect effectively and spoke directly to a customer service representative for Oportuns credit card services department. His name was XXXX and he requested to give him specific information to verify my account in which I immediate did. After he verified my account with the informationI had given him, I had asked the representative if my credit card is still currently active as of today. He told me to wait while checked it on the computer but few minutes later he told me that my credit card was closed. The one and only main reason he said it directly from him what he sees in his computer was that there were " no activity '' ( no usage ) on the card. The card was closed on XX/XX/2023 and there were no explanation before or after it had been closed. I also asked him if he could turned it back on but he said that he can not and I have to reapply again. I then proceeded to ask if he could transfer me to a supervisor or someone who authorized that deals with these type of issues and concerns. He said he can not. I did not want to argue over the phone for his refusal and ignoring me to get this fix so I politely end the call. 

I had NEVER owed debts, NEVER made late payments, nor NEVER carry balances over on all/any Oportun Credit Card . The ONE AND ONLY main reason why my credit card was closed unexpectedly without proper notice was because I did not use the credit card ( no activity ). This type of act is not even serious enough to warrant to a closure. I still have direct procession of the Oportun credit card and I use it only when I needed it. Closing someone account is not right, I understand that I am a XXXXXXXX living in a city and neighborhood where it is from low to medium income area but that does not mean the people who decided to deactivate think/feel I am a nobody and I do not have the right or even privilege to have this card. Closing the card for one small thing is a slap in the face purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with COMENITYCAPITAL/ALPH. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing.

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The tradeline is inaccurate because I am not legally obligated to XXXX XXXX XXXX XXXX in the amount of {$34000.00} for the alleged chargeoff deficiency claim. 

Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Although XXXX XXXX XXXX XXXX was closed. The account appears to show delinquencies after the closed date. Your verification procedures have allowed this which has been harmful to me and my family. The balance of {$34000.00} is not correct, and the date of late activity has re aged. Please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting 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 implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-12-06 00:00:00
Product: Credit reporting 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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  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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
REMOVVE UNAUTHORIZED INQUIRIES!

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to investigate the accounts that were involved in the Equifax data breach properly. I am a victim of the Equifax data breach, and Equifax 's neglect to remove the accounts that were a cause of this breach is seriously damaging to my livelihood. Please take this matter seriously, as Equifax is the root cause of my suffering!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westcreek Financial
State: AZ

Complaint narrative:
I received a loan to cover a mechanic bill. I am trying to pay off loan sooner since they are debited automatic payments. I have tried over 10x to access their loan portal with no luck. I can not access my loan statement or payoff information. They said they can not mail me a statement or email me a statement since they are a paperless company. I have called them 5x and I still can not get into my online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
REPORTING ADDRESS THAT DONT BELONG TO ME : ( XXXX XXXX XXXX XXXX XXXX MD, XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) PLEASE DELETE MY CORRECT FULL NAME IS ( XXXX XXXX XXXX XXXX ) THERE SHOULD BE ONLY 1 NAME AND 1 ADDRESS ON MY REPORT. DELETE THE OTHER NAMES AND ALSO DELETE THE ADDRESSES I HAVE LISTED THAT DONT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I want to express my deep concern and report a severe issue I have been experiencing with Bank of America since the end of XX/XX/2023. At that time, my account was abruptly put on hold, and all transactions and payments I attempted were summarily declined without any explanation. 
Despite my numerous calls to Bank of America seeking clarification on the matter, I have been unable to receive a satisfactory resolution. During these calls, I consistently explained that I initiated the transactions in question, yet Bank of America continued to decline them. Shockingly, it was revealed that my account had been blocked by the fraud department, a revelation that came after an extensive and arduous effort to connect with a representative from said department. 
In a conversation with a Bank of America representative in mid-XXXX, I was informed that a letter outlining the situation would be sent to my address. Regrettably, to date, I have neither received the promised letter nor received any communication from the fraud department. Meanwhile, Bank of America continues to decline transactions on all my accounts, causing significant financial and reputational harm. 
This situation has led to serious consequences, particularly in transactions involving XXXX XXXX. Transfers I initiated were inexplicably declined, leaving me in a perplexing situation where I am receiving notifications from XXXX XXXX, through emails and letters to my address, demanding payment for the outstanding amounts. As a result, I find myself in a precarious position with other service providers who perceive me as unreliable and dishonest due to these declined transactions. 
I hold Bank of America responsible for the extensive prejudices and stress caused by the ongoing situation. The lack of communication, failure to provide a clear resolution, and the subsequent impact on my financial transactions have not only caused significant distress but also created an unwarranted perception of unreliability. 
Again this situation is negatively affecting my financial stability and reputation and causing me a lot of prejudice

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 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I originally received a letter in the month of XXXX stating that I owed an outdated debt from XXXX. I called customer service letting them know that the dad had been XXXX and it was no longer my responsibility to pay for it. They proceeded on sending letters and then I realize that my call wasnt enough. On XX/XX/XXXX I sent a debt validation letter requesting proof that they owned the debt. Meaning that they either went into contract with me or that they purchased a debt from the original debtor from XXXX. I knew that XXXX  years had passed since XXXX and that I no longer owed the debt. I sent an email to the agency asking about a foil request if they were allotted to respond to debt validation letters. I received no response. I contacted the XXXX  and sent in a claim in regards to their falsehood and their response on the website, is due to customer privacy they do not answer any inquiries on the XXXX. I then called again and left a message with their law department asking to be called back. When I noticed the week went by and I still didnt receive a call I sent an email requesting proof of validation of debt once again. Now XXXX month later they have garnished my wages twice and I have yet to receive a valid response in regards to this debt. Due to the fact that they garnish my wages illegally I was unable to pay other that off debts off my credit score to drop and not allowing me to qualify to get my roof fixed. Now it has rained XXXX  since that time and I now have a leak in my house as well as mold has caused more financial distress than I already had. Im not only asking for my money back that they took legally I am asking that we come to the table and make a settlement agreement in which they owe me for property damage and distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation