vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Location Specialists
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a phone call at a XXXX it showed up on my phone a spam risk. So I did not answer it because of that as well as because at the time of the phone call I was working. XXXX minutes later my mother received a phone call on her house phone from the same number as I did. During the time the same person who attempted to call me was leaving her a detail message regrading an alleged debt that I had owed. When she heard her name associated with my name she proceed to answer it and see what business it had to do with her. Now I have had a few things within the past few months open in my name. In XXXX all the was up until present day my phone, computer, email, all social media has gotten hacked. I even had to go to court for a judge to tell me that my license was not suspended and get it back due to it was showing that in The Department of XXXX XXXX. So when someone like me gets these type of phone calls its very questionable for me and my mother. Especially since the young woman and man was able to discuss this alleged debt that I had owed with my mother and payment options plans with her as well. They then proceed to try to confirm an address that I do not reside at and went on and stated that I used her as a reference which boggles me since I know the number they had called her on was a brand new number that was not even year old and this alleged debt was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
Security deposit was returned in full and no actions were taken until the property was sold to a new owner. At the time of sale the previous owner decided to fraudulently ask for more money. Collections agency alleges that the debtor owes {$530.00} from a lease that ended on XX/XX/2020. When asked for a statement of charges agency furnished a statement with charges dated after the contract date of XX/XX/2020 ( XXXX ). All charges after XX/XX/2020 were the responsibility of the property owner. Collections agency is requesting a laundry list of items be completed at the expense of the debtor in order to clear the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I contacted Portfolio Recovery XXXX XXXX on XX/XX/2022. I spoke with their representative XXXX XXXX. We agreed to settle the following account : Original Creditor : XXXXXXXX XXXX XXXX 
Creditor to whom debt is owed : Portfolio Recovery XXXX XXXX Original Balance : {$16000.00} Settlement Agreed Payment : {$10000.00} XXXX paid the settlement agreed payment while on the phone with XXXX XXXX. It cleared my account on XX/XX/XXXX. I've attached the settlement letter and my bank transcript. 

This past week I got an alert from XXXX that I had a balance change on this account. It lists a partial payment of {$10000.00} and a balance owing of {$5800.00}. I've attached a copy of the report. I spoke with a representative of XXXX XXXX who did not give me a clear answer as to why it was reported this way. 

The payment I made on this account was a settlement ; not a partial payment. At a minimum this is an error. At the maximum this is unfair and deceptive and a possible violation of the Fair Credit Reporting Act. I ask the CFPB 's help in correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This KOHLS/CAPONE with account number XXXX is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have never signed or agreed for this bank to cover my over draft fees but they continue to do so on their own and charge me large amount of over draft fees.I do not want them to cover any over draft fees or recurring fees if there are no funds in the account I want them to stop that immediately and I want to OPT out immediately for any overdraft fees being covered.

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 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
An account was fraudulently opened in my name and SSN with XXXX XXXX XXXX XXXX I did not apply for this credit. I reported to the company and they reported to the credit bureaus but TansUnion refused to remove it. I submitted a dispute directly with TransUnion and they apparently verified the account was accurate. Which is impossible.

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 2022-02-02 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXL XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date XXXX inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

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 2022-02-02 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: FL

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I applied with PNC Bank to refinance my mortgage at a 2.1 interest rate. Four months into the application process I asked to terminate the application process because I felt that I was being harassed and discriminated against. 

At the beginning of the application process, I gave Pnc all documents they required to start the application process. They sent out an appraiser to appraise the house who appraised the house for a lessor amount than I felt that the house would appraise for. 

PNC advised me that because my house did not appraise for what I had thought they countered a different offer than the initial 2.1 % and closing cost. Which was a 2.67 % with closing cost. I was told that 20 % of my existing loan should be paid down to reflect that 20 % of what the house was appraised for should be paid for me to be elicitable for the 2.1 % interest rate. 

So, I agreed to the counteroffer of 2.67 with closing cost. PNC then advised me because it was past a certain time frame, they would have to recheck my credit. I agreed to allow PNC to recheck my credit. After they checked my credit, I was given a counteroffer for 2.75 % with a closing of XXXX dollars at closing because I had a XXXXcredit score which was the high score, and the middle and lowest scores was a XXXX and a XXXX. I was advised by PNC that the lower scores had been reported by a 3rd agency factual data. I advised PNC that the lower scores were not accurate. I also advise them that I knew this because if have separate individual accounts with all credit reporting agencies and I can access all accounts to prove that the scores that factual data provided was not accurate. 

At this point I'm extremely frustrated with the process but because of the frustration I agreed to the counteroffer. After I agreed PNC asked me to prove where the money was coming from after I had given them all bank accounts, sign a 4506C so they can check my taxes with the IRS. With all of the frustration that I was feeling at that point I gave them my bank statement and I signed another 4506C so that they can check XXXX, XXXX, XXXX, XXXX and XXXX. After I gave PNC this information they then came back and asked me to send them my bank account information with the URL attached to it or to have a representative from my bank to date, sign and stamp the document by next day. Which would not have been a problem if it wasn't XXXX Friday when they requested the documents. At that point I asked to not move forward because I was being harrowed and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX  XXXX 2. Opp loans 3. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX XXXXXXXX 2XXXX XXXX XXXX 3. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda Financial and other car manufacturers have put pressure on financing companies to restrict options at the end of the lease XXXX XXXX XXXX 

This is a monopolistic restriction, allowing the car companies to strong arm their financial partners into preventing sales to other car manufacturers ( XXXX ) or used car dealerships ( XXXX ). 

I have a used XXXX XXXX XXXX that is ending it's lease in XXXX of XXXX. Due to lower driving through the pandemic, the car has gained a lot of positive equity over the last two years. Unfortunately, the only way I am able to see the equity I have earned, is by purchasing another lease from XXXX. 

On XX/XX/XXXX, I went to XXXX for an estimate in equity for my vehicle. XXXX informed me of their policy and was unable to even provide an estimate for my vehicle due to this restriction. This makes buyers less informed on residual value, as well as a monopolistic restriction. 

After purchasing a new XXXX lease, I was informed on XX/XX/XXXX that XXXX was unable to handle the trade in of the car due to the same financial restrictions. 

In both of these scenarios, the companies informed me that I could purchase my vehicle directly from Honda, but that the process would take over a month, and that a clean title was required to proceed in either scenario. 

These restrictions have only driven up car prices during a pandemic, leading to higher inflation and an impact to everyday Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted my information to be in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in 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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: NJ

Complaint narrative:
My XXXX XXXX XXXX has an airbag issue. We took it to the dealer and they need two parts, one of which has arrived, the other of which has not and may take some time. They gave me a loaner, a XXXX  XXXX, which is inadequate for my needs as I have three children in car seats. 

The loaner is not able to accommodate three car seats which we need for basic day to day driving. 

The loaner was provided by the dealer and XXXX is saying they can not provide me a car of similar size because they rely on dealers for loaners. 

While I am sympathetic to that the part being delayed, I am not sympathetic to making payments on a car which I don't have use of but need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
XX/XX/2022 RE : 15 US Code 1666b - Timing of payments- Legal Information. 

Dear Sir/Madam : I checked my personal credit report, which I acquired from my XXXX  on XX/XX/2022 and I noticed a late payment from your company on it. I request that you initiate an investigation into late payments pursuant 15 USC1666b -Timing of payments to determine if PROSPER MARKETPLACE was in compliance of this law when issuing this late payment on my report. Once your investigation is complete, and you find my allegation to be true, please remove the unauthorized late and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX {$0.00} XXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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