vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
I was contacted by a collection agency by phone for a debt I did not make and for which I know nothing about. I told them I do not owe any debt and never lived at the apartment in question. I explained that I have been living out of the state of Florida for most of the past XXXX years and that I just returned to Florida in XXXX, XXXX due to medical issues. In fact, I was living in Maryland from late XXXX, XXXX to XX/XX/XXXX. Several days later, I received a letter requesting payment for the same apartment. I am in recovery at present due to medical issues and this matter is distressing to me and causing detriment to my recovery. I informed the agency that my identity had been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
i disputed these accounts on my credit report and XXXX  and equifax replied to me that these inquiry 's came back as verified, I told XXXX  ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both XXXX  and equifax used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
In XX/XX/XXXX took out HELOC with XXXX XXXX XXXX  for {$16000.00}, which was purchased by Bank of the West shortly thereafter. After getting some financial stability back, we decided to refinance starting in XXXX. After repeated and repeated requests for a payoff in writing from our mortgage brokers, it wasn't until XX/XX/XXXX they finally decided on a sum. Not correct but paid anyway to get them out of our life. Somehow they put two liens on our house, which we paid ( SEE ATTACHED ). They however after 2 years have only released one. They have no contact information for their conveyance department. My title insurance company gave me an email address. So I sent an email requesting the release on XX/XX/XXXX. Still on record at county clerk 's office, the only correspondence we have received from Bank of the Worst is letters of loan default. I am at my wits end, this bank has added accounts, changed account numbers and have no clue what fiduciary duty even means. We paid the liens off, they need to release immediately.

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 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: RI

Complaint narrative:
I utilized Lexington Law Firm for credit repair services from XX/XX/XXXX to XX/XX/XXXX. During this time it was expected that they remove all negative credit factors from my account. They failed to do so to a satisfactory degree. 

The company violated the Dodd-Frank Wall Street Reform and Consumer Financial Protection Acts prohibition on deceptive acts and practices in the marketing and promotion of its services. The company also allegedly violated the Telemarketing Sales Rule by charging illegal advance fees and making deceptive statements. 

Under the law collecting fees for credit repair services is illegitimate until certain conditions are met around the delivery of services. The company charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company charged initial fees and also charged set-up fees totaling hundreds of dollars in monthly fees. 

Additionally by the law, the company misrepresented that its credit repair services would, or likely would, result in the removal of negative entries on consumers credit reports. The company also misrepresented to customers that its credit repair services would, or likely would, result in a substantial increase to consumers credit scores. The company lacked a reasonable basis for making these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal was sent a Cease and Desist which included a notice of violations as it relates to the credit application that I filled out AND direction from me telling them to ONLY communicate by mail. I have attached relative documents here for reference. 

They then respond and say that they are going to CEASE ALL communication as it relates to all of the accounts I have with them. If you read my letter, I never told them to cease all communications. I made it plain and clear what they were to do. They instead, are willfully noncompliant to their responsibilities under Federal Law. Their response is also attached. 

By them not responding to the demands included in the letter, they are continuing to violate my rights as a federally protected consumer. They have also included an alert on my account that reads " Your account information is being provided for information purposes only. Providing you this information is not an attempt to collect a debt ''. They are attempting to collect on a debt because within their " loans and credit '' section it says " total debt '' and then it says that these amount are due. 

This is a clear indication that they are not only violating my federal rights, they are also contradicting themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}. 
Eventhough the bills didn't belong to me I paid off all of the bills and centerpoint whole.

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 2022-07-31 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: AL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 1831386, 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 accordance with the Fair Credit Reporting act XXXX Bank 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 : It also states a consumer reporting agency can not furnish a 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 2022-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My complaint sent XX/XX/28 was me very frustrated after learning that the issue I had with Flagstar was allowed to be closed because Flagstar made the changes to my mortgage agreement and had a lawyer sign an affidavit to get around my signature ... Flagstar NEVER told me the issue with the contract and decided to change it without my consent because I kept asking them to send me a letter explaining the issue so I could take it to a lawyer and they REFUSED for months of my requests to do this and so I contacted you because you need to actually help not just let Flagstar tell you lies... I am XXXX XXXXXXXX and can not make decisions over the phone by myself... I need it in writing so I can get legal advice and they denied me that which is a violation of the Americans with disabilities act and I am going to pursue charges for them acting on my behalf to change my mortgage without me involved

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 2022-07-31 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: NY

Complaint narrative:
I have been disputing my address multiple times and they say the remove it and come and it's still there. My address is XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. Experian has proof of this information. All does other address according to USPS AND REAL ESTATE DATA DOES NOT EXIST OR NOT VALID. IF A CORRESPONDANCE WAS SENT TO THis OTHER WRONG ADDRESSES I WILL NEVER GET MY MAIL. 
Remove the addresses immediately. I am super tired of disputing this.

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 2022-07-31 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:
See attached documents, also persuant 15 usc 1666 Late payments should not be reported so I am also requesting late payments be removed from my consumer report.

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 2022-07-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}.

Eventhough the bills didn't belong to me I paid off all of the bills and XXXX whole.

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 2022-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: GA

Complaint narrative:
REF XXXX, Lendmark has violated the Equal Credit Opportunity Act and has discriminated against me. I exercised my right in good faith under Title 15 by stating the various ways that that Lendmark has violated Federal Law and then I pull my most recent credit report and they have charged off the account which is now another negative mark. This constitutes discrimination and they are liable to violating yet ANOTHER Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/2022, my money was taken from my account without my knowledge through online banking. The company does not work hard to make sure others can not access your account. I went to the bank because once the person hacked into my account they reset my password and took my money and I didnt find out I no Im I went to the bank. They then told me the fraud department would investigate and help me get my money back because they can see I was phished by someone and they did not offer me anything to stay afloat until the investigation is complete even though the perpetrator stole XXXX from my account leaving me to figure out how to pay bills. Navy Federal only closed the account and gave me another one which I still didnt have access to for a day. I had to call and see how I can gain access to my new account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31 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: ME

Complaint narrative:
Continuation of Experian. They are not allowing me to dispute inquiries from companies. This is the sixth time I've gone through them, and they still refuse to put an employee on the phone with me, nor resolve this account. There is a XXXX point discrepancy from my XXXX and Experian. This is my last attempt resolving through you before I create a civil suit.

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 2022-07-31 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: TN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of XX/XX/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 2022-07-31 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: SC

Complaint narrative:
Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes

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 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received an email this morning that a checking and savings account were opened in my name with XXXX XXXX XXXXXXXX. This happened with Truist yesterday as well. Ive called both accounts to alert them and called XXXX to put a fraud note on my file. I saw on a website I should also report this to you, so I am doing so. If you need any other information please let me know.

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 2022-07-31 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: AL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank 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 : It also states a consumer reporting agency can not furnish a 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 2022-07-31 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: AL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2022, I sent a letter of rescission along with my affidavit of truth, cease & desist, bill of particulars and power of attorney revocation to President XXXX XXXX of CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX, XXXX, TX XXXX. I purchased my vehicle from XXXX XXXX XXXX in XXXX XXXX, LA on XX/XX/2022 and there was nothing in my contract stating the right to rescind. According to 12 CFR Part 1026.23 Right of rescission, within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction. Because 15 U.S.C. 1635, and Regulation Z, 12 C.F.R. 1026.23 were clearly violated I would like to file a complaint because Capital One Auto Finance did zero out my balance, provide my car title in my name and taking their name off, make all credit reports state paid and full as agreed, and did not return my down payment within the 20 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: SC

Complaint narrative:
Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes

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 2022-07-31 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: SC

Complaint narrative:
Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
See attached documents, also persuant 15 USC 1666 late payments are not to be reported so I am requesting late payments to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of XX/XX/XXXX.

Company response to consumer: Closed with explanation