vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PA

Complaint narrative:
i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX XXXX to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Skopos Financial, LLC
State: AZ

Complaint narrative:
When I went to apply for this personal loan using car as collateral, it didn't advise me that the loan value had to be higher than the amount owed on the car loan, until after they ran my credit. There were no alerts or notifications about that potential before they ran my credit. 

I would like this hard inquiry removed because they were operating under a false premise and promised me a loan before giving me all the details.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion credit reporting agency continues to furnish Previously Disputed US Department of Education accounts # s XXXX & XXXX Account is horribly inaccurate and unvalidated. Accounts are not open or being paid

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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We purchased the home in XX/XX/21. Since then the home has gained value. It's a new construction home. PHH mortgage company said they would be willing to drop the PMI with a new appraisal. I mailed the money to pay for the PMI drop and they received it. A week later they mailed me a letter saying the cost had gone up. I mailed a second check. For one month they said an appraiser would call me to schedule the new property appraisal. The appraiser never called. I called PHH mortgage multiple times and they told me they would escalate the issue with the appraiser. Then one week ago they called and said I needed to make major improvements to the house for them to give us additional value. The home is brand new, we can't and won't make any major improvements. I work for a mortgage lender and completely understand the process and this is not correct. Please help! Our current LTV is 66 % well below the 78 % needed to drop PMI

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 2023-04-18 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: NY

Complaint narrative:
I have contacted Experian about fraudulent accounts on my credit file for months. They have refused to delete these accounts. I have been a victim of identity theft. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

Accounts & Accounts Numbers 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 None of these accounts should be on my credit file. I mailed a complaint letter to Experian with an attached FTC identity theft report on XX/XX/. Experian refused to comply with my request. This damaging my credit file.

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WA

Complaint narrative:
I PAID THIS PROPERTY IN FULL AND THEY ARE TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: FL

Complaint narrative:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage We had a previous mortgage with Rocket, they did not calculate our county, or city taxes into the loan for escrow, because of that we went through refinancing at a lower rate to avoid the increase to make up for escrow for taxes. 

During application for the new mortgage I asked many times, and was assured that all taxes would be calculated into the loan for escrow. When the city taxes were due, we found out that they left out the city taxes for escrow, and now claim it as a tax increase. This is not true, the amount they claim as a tax increase is actually the total amount for the city taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: MN

Complaint narrative:
I had 2 loans with XXXX XXXX XXXX. I believe they were using FCI Lender Services as their servicing agency so I was making interest payments to FCI. I mailed checks for my XX/XX/2023 interest payments on the XXXX ( deadline was XXXX of every month ). FCI intentionally processed my checks after the deadline. One of the checks was kept in Reserves until the XXXX of the month and not applied to my balance. All of this cost me over {$3000.00} in default interest charges. 

I tried to resolve this with both agencies but encountered very rude people. Each agency was pointing fingers at the other and was never directed to someone who could truly help me.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I never received a dormant notice and Arvest Bank began charging a ( junk ) dormant fees.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit card account was prematurely and summarily closed by Capital One, unbeknown to me, at the end of XX/XX/XXXX. I never received by mail or email, any notification from CapitalOne of pending closure of the account. I did receive a message on my home phone on XX/XX/XXXX requesting that I contact Capital One prior to XX/XX/XXXX ( not a typo ), to answer some questions. I have retained the audio message. There was no urgency indicated. As my identity was stolen in XX/XX/XXXX, I am vigilant regarding my credit accounts. The phone call reminded me of a phishing scam, which did not warrant follow up. I did however log onto my online account. There were no messages or notifications online indicating any problem. The account was current. 
On XXXX XXXX, I attempted to access my rewards points, only to find that my account was restricted. A customer support representative was unable to assist me. I was subsequently transferred to XXXX ( employee # XXXX ). I answered several questions regarding my business, which apparently were required by federal law. As she was unable to remove the restriction on the account, she had to consult with her supervisor, whom I was not allowed to speak with. After 45 minutes, I was told that not only was my account restricted, but closed. I was given no reason for the closure, nor the opportunity to speak with a supervisor. I was told that I had forfeited my rewards points ( XXXX points ), and that there was no recourse. The decision was final. 

I am dumbfounded that CapitalOne would choose to treat a long time client in this manner. From a customer viewpoint, confiscating my rewards points is theft, and a very bad business decision. I have been in business for more than 30 years. If I treated my patients this way, I would be reprimanded by the Medical Board and probably lose my license. I am asking that CapitalOne re-activate my account, or at a minimum, allow me to use my points, transfer the points, or reimburse me for the cash value of the points. I would also like an explanation for why my account has been closed. This can have an adverse effect on my credit score which is not warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I changed my phone number because they have called me repeatedly! I dont know what company it is or what the debt is for. I have head medical insurance for years so I don't understand how I owe. and isnt that a violation of HIPPA?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am unsuccessfully trying to receive the amount that was in my checking account before it was closed for no reason by the Bank of America. I called several times and they told me that I would only receive the amount after the total closure of the account, which would be on XX/XX/2023. It turns out that I have bills to pay for rent, insurance and others, including my salary being deposited on that account and now I'm unable to access it. This is causing me a lot of financial problems as I have almost XXXX dollars in the account which was also to pay my income tax. I need to get the money back immediately or I'm about to lose my job because I don't have money for insurance and gas for my car because I use it for my job. Please help me against this institution that is ending my life.

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 2023-04-18 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: MO

Complaint narrative:
i have 2 SSN on my acct one is not mine did explain they didnt remove my ssn ending XXXX but another one ending XXXX not mine

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent Equifax letters with a credit repair bureau. It included all my information in order to correct any discrepancies. To this day I still can not see my credit report for equifax. It hasnt been updated since XX/XX/2022. They insist they havent received my information even though there is proof that they had gotten it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AK

Complaint narrative:
My private student loan with AES has been traumatic experience in my early adult years where this company worked against my best interest to incur interest while I was still in school and strong armed me while I was struggling to refinance this loan at a XXXX % variable interest rate for 30 years. Resulting in my already paying XXXX XXXX XXXX XXXX  dollars over the original amount. 

Once I pushed my career to a point that I could get a handle on this loan I was able to refinance I did so with a company I trusted and for years actually paid down the principal of this loan. Then I found out that AES bought that company and I'm stuck with them again. 

It is not even the full first day that AES owns this loan AGAIN that they are already spamming my email saying I'm delinquent without even first sending notice that they have this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. 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 non-monetary relief