vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT CONCEPTS, INC.
State: AR

Complaint narrative:
Letters were sent to the 3 credit bureaus on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 I received notification this was deleted from my credit report, yet it still remains.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On this date XX/XX/2022 I received a court summons indicating midland funding 's, llc has filed a lawsuit against me. 

After looking at the complaint and the documents I see that the plaintiff is attempting to file a lawsuit against me for a debt that does not belong to me. They did not include copies of the signed credit application. 

I'm not sure what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My house just came out of forbearance the first of XX/XX/2022. My mortgage company is Freedom Mortgage. The plan was to put the delinquent amount on the back end of my loan. The company sent me the paperwork, however there is a clause in the agreement that states I will lose my homestead tax exemption. I tried talking with several people in the company. The answer that I got was " oh its always been there, we can not change the verbiage and .... we've never heard of anyone losing their exemption. It's safe to sign. 
In my experience a legal document can be executed regardless of any of the reasons they gave me. I want to know what's going on with this company. 

concerned homeowner, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I noticed an inquiry on my credit report that I did not do. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I became aware of a problem when I discovered my XXXX score had been lowered by several points by XXXX. Supposedly XXXX was made aware of an application for a credit card by Barclays. Upon doing some checking I learned that Barclays is the company that issues credit cards for XXXX XXXX. I do not shop at XXXX XXXX and have never applied for a credit card with them. 

When attempting to contact Barclays and XXXX XXXX by telephone, I could not make any progress because, since I did not have an account number to give them, they did not seem to want to accept my call. Very frustrating. 

I more or less dropped the ball on this and didn't make further attempts. Then today I received an email from another company I had never heard of, XXXX, informing me they had received a credit card application from me. I immediately called their office and was able to get that application halted and made them aware I had not made the request. 

Because of this second attempt to get credit in my name I decided I must get the the bottom of the first attempt at credit fraud and XXXX is telling me I must file a report with your agency and go through the channels to get this error removed from my credit report. 

XXXX has now placed a credit freeze on my account with all three agencies, however, to get my XXXX score back to what it had been, I have been told I must file a report with your agency. Your help will be greatly appreciated.

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 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Original creditor is Comenity Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX. The amount is {$2300.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I currently have a Comenity Bank account that was opened in XXXX that I am in good standings with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX - Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, Chime Bank took XXXX $ Out of My account with out my permission to pay my credit card. I never authorized or signed up for auto pay. This is an outrage, I wanted to pay XXXX and they just took all my money. They were extremely unhelpful and I believe that what they did was not only miss leading but possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; 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. 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, I am filing a complaint against XXXX for the customer service I received and the reporting of missed payments to my credit profile. There was a late payment reported to my credit profile for the XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent emails, letters and promises to remove via phone calls on multiple occasions without a response from this company or them actually doing it. I have suffered a tramatic loss and have explained that to them just for them to leave me unanswered. I truly enjoy shopping with XXXX but I am sick at their customer service and their lack of empathy in the matter. this is causing me a great deal of stress and XXXX and XXXX has shown that they do not care or listen to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
i requested a debt validation from Portfolio Recovery Associates twice and failed to provide a proper validation, instead they sent me old statements, and while on requesting validation they continued to report this alleged debt to credit reporting agency. 
Portfolio Recovery account number XXXX. 
Portfolio Recovery account number XXXX. 

certified mail tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid Bank of America all funds owed in a lump sum single payment. I owe no funds to this creditor. I am still being pulled as unpaid and denied accounts because of Bank of America even after receiving documents verifying From BOFA I am marked as paid. This is one of many issues I have with this report. They have reported a account that was under my name to XXXX and XXXX XXXX  both for fraud. I have not committed any fraud, this information is not accurate the account was closed due to over draft which was paid back when I could afford to do so. I was told by BOFA I would be removed out XXXX once paid but i gave neither permission to share or send my information any where at any point. After they received funds I was told they did not have to remove me it was by choice and they had the right to report me. XXXXXXXX XXXX stated only Bank Of America could remove me when i reached out to XXXX XXXX to verify it was marked as paid and stated it was showing unpaid by other banks. I should have obtained agreement for removal in writing but I believed BOFA had good ethics at one point. My rights as a consumer have been violated. this creditor 's risk department closed the account and sent MY information to a furnisher with out my knowledge and when i called I was mislead and provided false information by individuals who work for BANK OF AMERICA -in my opinion to get a payment out of me. Employees are the responsibility of the business and liabilities which is why proper training is required when working with clients personal information as my livelihood has been damaged by BOFA misinformation to me, lack of training their employees and it shows in what is being reported about me. XXXX is a consumer report. I am a consumer I should not be marked as fraud account if they are trying to be " strict '' they need to change the status to something that fits the situation such as account abuse which is a option with XXXX XXXX. if it can not be done then 15 usc 1681e ( b ) needs to be enforced as the reported information is not accurate for my case. Previous documents show it was closed by risk due to over draft but over draft is account abuse not fraud if it was marked as fraud and funds were obtained it should be changed to abuse as clearly it was not fraud. It is not fair to punish me for something I took care of. It reflects as if i commit fraud and that is not accurate. If my XXXX  and XXXX XXXX status as fraud can not be changed it needs to be removed. As 15 usc 1681e ( b ) and per 15 usc 161a ( 2 ) 9 ( B ) but i am trying to be fair even if BOFA has not been.

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 2022-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
We took out a home equity loan with XXXX XXXX  we had a legal agreement in writing and were making payments of {$150.00} per month that were automatically taken out of my checking account every month a company called planet lending bought the loan and filed a foreclosure against my home. 
The original loan amount was {$30000.00} planet lending is demanding {$90000.00} or the home will be sold at auction. 
Our first mortgage with XXXXXXXX XXXX  is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been denied extension of credit by a credit limit increase. I communicated with the company requesting a statement of reasons as to why such action was taken against, the company has failed to do so. The company has violated 15 U.S. Code 1691e and 15 U.S. Code 1611 and is subject to both civil and criminal liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I close out an account with XXXX auto insurance due to the misrepresentation, high fees, hidden charges, lack of over all integrity in proper clear communication with consumers. 

The account was closed timely- with non existing contract- zero balance. 

It disturbing to encounter that XXXX auto insurance company is coming after me for monies I DO NOT OWE. 

Extremely dissasified with their services policy ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 and confidentiality under 15 USC 1681. 

Account name : # 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.

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 2022-10-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.

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 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX - Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States 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 2022-10-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX - Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States 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 explanation
Consumer complaint received 2022-10-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had a credit with Toyota Financial Services where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, Including XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from Toyota Financial services even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from Toyota Financial Services and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because Toyota specifically told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission.

This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
I contacted XXXX XXXX and explained to them that the account did not belong to me. It was removed from my XXXX but its still on my XXXX  and XXXX report. I've tried to resolve this issue. But that account is 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 explanation