vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Starting XXXX XXXX I sent from XXXX to the IRS to take fiduciary over myself, but no response. I also sent it to the IRS on XXXX XXXX and there was no reponse. I then went to send my power of attorney paperwork in to the dealership and the finance company and there was no response from them as well. So on XXXX XXXX i sent a notice of rescission to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial institution, the consumer financial protection bureau, federal trade commission, and the Illinois attorney with no response at all regarding my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PR

Complaint narrative:
The reason I'm doing this claim is because Carrington Mortgage Services is asking me to continue paying a mortgage that was paid on full on XX/XX/XXXXXXXX XXXX XXXX XXXX 

Here is the summary ; The mortgage loan ( # XXXX ) was paid in full as part of a XXXX XXXX XXXX process of the property ( XXXX XXXX XXXX XXXX XXXX XXXX ), that was leaded and executed by XXXX XXXX XXXX XXXX XXXX XXXX the Cancelation Balance of the Mortgage occurred on XX/XX/XXXX of XXXX, at the XXXX XXXX XXXX of XXXX XXXX XXXX. The payment was made by the XXXX that was in charge of officializing the XXXX XXXX XXXX. Im including evidence of the payment transaction which was provided to me by the same XXXX, and who is still responsible for receiving the cancellation note of reference mortgage loan. For some reason, that process was not completed by XXXX XXXX XXXX XXXX. 
The payment to XXXX XXXX XXXX XXXX XXXX XXXX ) was for the amount of {$45000.00}, which was the same amount required by XXXX in their Cancellation Balance Letter that was sent to me requested on XX/XX/2022. The letter described a Cancellation Balance Amount of {$45000.00}, and that it was effective until XX/XX/2022. Im including evidence # XXXX of the XXXX Cancellation Balance Letter that establishes the total amount for the pre-payment of the mortgage loan. 
Please note that the payment was made through XXXX because the XXXX XXXX XXXX XXXX XXXX ( XXXX ) office in XXXX XXXX XXXX. didnt receive the payment in person because it was closed as part of the measures taken by XXXX XXXX response to the XXXXXXXX XXXX XXXXXXXX established an alternative process to make payments to them through XXXX, and that was the alternative taken by the XXXX representing the XXXX XXXX XXXX process leaded by XXXX XXXX XXXX They were responsible of making that payment, which was done on time on XX/XX/XXXXXXXX XXXX XXXX and following specific instructions from XXXX. Im including evidence of a XXXX XXXX XXXX XXXX XXXX XXXX  ) that was of the front desk of XXXX XXXX XXXX XXXX, showing the specific instructions for mortgagors to make payments to XXXX  in any XXXX branch office in XXXX XXXX. 

I called Carrington XXXX XXXXXX/XX/2022, because I never received any answer to my last letter, and the person told me I have a balance on my account of {$4100.00}, but the strange thing is that I'm also receiving XXXX Mortgage Statements from Carrington, that said I need to pay {$1000.00} ( The last one was received on XX/XX/2022. ) with is very confusing. 

I'm including all the evidence I have since I wrote a letter to Carrington Mortgage Services asking to open an inquiry about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This company continues to violate the consumer, i've specifically requested VALIDATION and the company has failed to adequately do so by the guidelines that have been established in the FAIR CREDIT REPORTING ACT. Ive requested original instrument ( s ) and any thing with an actual signature and still nothing. As u would like to avoid litigation, i once again am giving this company the opportunity to do the right thing, Cease and Desist, which would include the reporting of this fraudulent information to the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX  - # XXXX 5. 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 2022-12-01 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: FL

Complaint narrative:
checking my credit report I noticed a lot of invalid information. I am interested in disputing my incorrect information with Experian. it is hendering my file. please clear all information 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have continuously reached out to XXXX due to a charge for XXXX XXXXXXXX charged to my card XXXX ago that I did not authorize. I never signed for the promotion nor have I ever used it. XXXX XXXX found XXXX Citibank in violation in 2015 for charging the involuntary charges to accounts without authorization. Citi is in violation even after they were ordered to discontinue and repay customers. I have attached screenshots from XXXX XXXX that stated the violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX US BANK placed a hold on my account due to a bad check that was deposit, they scheduled my account to be closed and advised me that my payroll direct deposit would be rejected. The direct deposit posted on XX/XX/XXXX which brought my account in the positives. I was told after several phone calls to visit my local branch to expedite and close out the account so they can issue out the remaining balance of {$360.00}. I went to a US Bank branch in XXXX XXXX, CA and no assistance was provided to me by the manageXXXX instead he offered his opinions which was not needed. I then placed numerous calls to their customer service number and again was offered no help. They confirmed that my account is to be closed but it could take 1 week to 1 month to process which I find to be ridiculous and illegal. If a company of that capacity has closed out my account, they should have the capacity of issuing out the small amount owed to me so that my account is no longer in limbo. This bank has gauged me overdrafts and fee which turned in thousands of dollars that I paid to them as a consumer, but they have an issue with processing the closing of my account and properly issue out funds legally owed to 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 2022-12-01 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX extended electrical service to someone using my stolen social security number only. No photo ID was required. When the bill was not paid, they turned me over to XXXX XXXX  came after me and wrecked my credit causing me considerable harm and damages. It has been a full time job to correct this mess due to their negligence and failure to confirm identity before extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX  I did a deed a lieu. My first and second had to go together and be treated as one! 
This was all due to the banks falling apart in XXXX Washington Mutual was the original, Chase took it over. I did a loan government modification in XXXX and Chase took over XXXX & XXXX. A few years later I had to stop paying the first but I paid the second. XXXX loan management took the first and Chase kept the second! In XXXX XXXX had me sign a lien release for Chase and XXXX took the house and forgave my dept., Chase was not included in this and I was under the assumption it was because the loan 's went together. In XXXX I modified it they locked it and I could not borrow against it only pay it off. I thought this was all settled in XXXX when I turned the house back and then during covid and in a state of emergency they contacted me in XXXX and told me I owed them the balance due to the fact it was charged off and not discharged. Please note they were not allowed to contact me during covid and they did. They wanted a settlement, I told them we are on lock down and I this was not right. They now have put this on my credit report and I hired a lawyer to help me with no luck. My bank told me to file this complaint because now I am not able to get a new mortgage for a home in XXXX. I have all the paperwork but the original sign off in which I asked for several times and they will not send it to me, XXXX. My house was in XXXX I have more documents as well but it would not let me upload it all. I was told that this is all illegal practices, note that they crossed out the discharge and wrote release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Data Systems
State: NJ

Complaint narrative:
The company name is Financial Data System the debit is a {$36.00} When i ask more infe from where is this debit come from the XXXX a very agresive langiage very rude and threat each time they call I do have all contacts recordet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2022 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NC

Complaint narrative:
Previous complaint was filed : XX/XX/XXXX, ID XXXX ORIGINAL COMPLAINT : Reliacard, US Bank Corp XXXX {$13000.00} balance. Account was closed effective XX/XX/XXXX. Reason given in letter XX/XX/XXXX : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/XXXX, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account. 

See US Bank Corp response, including ID verification directions. Attached. 
A photo of my current passport and a selfie was submitted XX/XX/XXXX, per option # 2, e mail, " Complaints .... '' twice. The bank has NOT responded with my funds or Re : adequacy photos. 

Since, I have inquired if the ID photos were acceptable : no response. I DID receive a letter from US Bank saying my " change of address '' had been noted : my address was NOT changed, just more precise destination added to same as on file at least since XXXX. 

In Bank Corp. response " XXXX '' did say at some indefinite time my {$13000.00} would be returned to OHIO? My account originated in Oregon. I just want a check for the above, close the card/account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: NEW IMAGITAS, INC
State: WY

Complaint narrative:
On XX/XX/2022 when researching mortgage interest rates, I came upon Bankrate 's website offering a {$200.00} gift card if I submitted my information to obtain mortgage quotes and if my loan actually closed with XXXX of the quotes provided. See attached email with qualifying code. I received a quote from XXXX among several other lenders, and chose XXXX due to it having the lowest interest rate. My mortgage closed on XX/XX/2022. Shortly thereafter in XXXX I submitted all the closing paperwork to Bank XXXX to obtain my gift card, please see attached emails from Bankrate confirming receipt of all paperwork and assurance that my gift card was processing and would arrive " soon ''. 2 months went by and I followed up again on XX/XX/XXXX asking about the status and was told the gift card would be shipped soon. XXXX more months went by and I followed up in late XXXX asking for the status and was told there were " fulfillment issues '' with their vendor and they were working on it. I followed up again on XX/XX/2022 and today XX/XX/XXXX and have not received any further responses. This advertising is false and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and XXXX has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, XXXX no date, Equifax XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} XXXX {$5900.00}, Equifax {$6300.00}, Creditor Type : XXXX has Finance/Personal, XXXX XXXX XXXX XXXX EquifaxXXXX XXXX Dealers XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Term Length XXXX 62 month, XXXX 62 months, Equifax has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, Equifax XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, XXXX : {$1500.00}, Equifax : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You

Company response to consumer: Closed with explanation