vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Credit Card Company, I am writing to you today regarding my credit card account # XXXX which I had while I was going through a change in my career. The purpose of my correspondence is to see if you would be willing to make a goodwill '' adjustment on the reporting of this account to the three credit agencies. I take full responsibility for the payment and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 
As soon as I became aware of the balance paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I would like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Notice of cause to action I sent aeeter to this company on XX/XX/XXXX and the XXXX i hope it reach you to help with the reason for my ongoing dispute. It is a notarized certified mail package and letter that is being delivered to you. Notice of a ten day including weekends and holidays for me to receive a fully investigation for an answer. A no response at the ten day mark will be viewed as a no response and I will be filing a no rebuttle next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to TransUnion XXXX XXXX XXXX I told them I did not inquire for anything an they still havent removed these inquiries from my credit 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a VA loan that was recently transferred to BSI Financial for servicing. I have requested several times for BSI to remove my escrow payments as they are significantly inflated. BSI has responded that " va loans are required to hold escrow accounts ' which is verifiably false. I have held VA loans for over 10 years of my life and I am a XXXX XXXX, so I have ample experience as both a professional and a veteran. I know that VA loans do not require to hold escrows. I have also provided my estimated tax statement showing they are significantly over collecting. BSI Financial refuses to return phone calls, refuses to respond to emails, and does not correspond in their in house email system. I have called 4 times, sent emails since XX/XX/23, and gone through all steps they have requested I do in order to have my escrows removed or changed to reflect my current tax statement. BSI is collecting approximately {$13000.00} more than what is required for my tax bill for the 2023 year and they will not cooperate with reducing my escrows or removing them completely and allowing me to pay them as I have requested several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This letter serves as my second warning before I take legal action against your company for its repeated failure to provide the requested information pertaining to alleged debts you claim I owe. I have previously requested validation of the following accounts : XXXX, XXXX, XXXX, and XXXX. To date, I have not received any response or the requested validation of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Hello, Midland Credit Management XXXX has violated 15 US Code 1692c Communication in connection with dent collection, 15 US Code 1692g Validation of debts and 15 US Code 6802 Obligation with respect to disclosures of personal information. 

In your correspondence letter you stated that you sent mail XX/XX/2022 about this alleged account. What address did you send this letter to? I never received this communication and none of the documents youve shown proves that I owe Midland Credit Management. This is not my debt. You guys never sent me the validation letter which is required by law. I ask that you cease furnishing on my consumer report.

Furthermore 15 U.S. Code 6802a states financial institutions may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such Financial institution provides or has provided to a consumer a notice that complies with section 6803 of this title. You may not disclose this information unless you disclose this in writing or electronic or other fo
rm permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party : ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party : ( consumer reporting agency ). And I must be given instructions on how I can exercise my rights. 

This is a notice to sue because I have not be given any of these disclosures from either company. I asked that this is removed immediately. I don't want any more time wasted on this. 

You must know all of the Laws before you waste your time and cost your company thousands from a lack of knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I XXXX XXXX Currently have some Fruad accounts and inquiries appearing on all three credit reports I have attached supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to XXXX Equifax XXXX XXXX I told them I did not inquire for anything an they still havent removed these inquiries from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to XXXX XXXX XXXX Experian I told them I did not inquire for anything an they still havent removed these inquiries from my credit 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/2023, I located a man off of XXXX interested in purchasing some mattresses. I met with the man in XXXX Tx at his place of business to look at the mattresses. We went forward with the sale and he took my social security number, bank information, employer, and driver license information to get me approved for the loan, Once I was approved I put down {$50.00} to start the initial payment plan. The guy told me that he would deliver the mattresses to my home but it would be an additional {$75.00}. I paid him the {$75.00} delivery fee gave him my address and expected to see him later on that evening after he left XXXX XXXX with his family. The guy never showed up to my home with the mattresses. I would call the number listed on the paperwork, but I got no answer from him. AMERICAN FIRST FINANCE ( loan company ) started taking biweekly payments from my bank account of {$210.00} totaling {$250.00} a month. I tried to explain to the company on several occasions that I dont have their merchandise so I should not be charged. They only told me to keep reaching out to the guy that sold me the mattress and it was nothing they could do. AMERICAN FIRST FINANCE took money from my bank account from XXXX - XXXX. I am requesting for my money back for product not received as well as removing the fraudulent account from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a pslf waiver and a debt removal form earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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:
I XXXX XXXX Currently have some Fruad accounts and inquiries appearing on all three credit reports I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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:
I XXXX XXXX Currently have some Fruad accounts and inquiries appearing on all three credit reports I have attached supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This debt was sold to another third party collections without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$5800.00} DATE OPENED XX/XX/2022 NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Im writing to express my frustration and disappointment with Citibank. Ive been a customer for many years and I believe I deserve much better treatment from them. 

I received a personalized email from the bank which they encouraged me to share with my friends or family. Once a friend opens an account using the link and keeps the account in good standing I would receive {$100.00} bonus within 90 days. 

So my friend opened an account on XX/XX/12, but I havent received any bonus. The bank doesnt share their email address, you can only chat or call them. I tried to chat first. Talked to two people, an associate and a supervisor. They refused to help, trying to get rid of me by convincing me to call the dedicated team about it. What dedicated team they were referring to?? Everyone in that call center was absolutely clueless. Five people were bouncing me from one to another and none of them had any idea about the promotion. I spent an hour on the phone and hadnt heard anything intelligent or useful. 

Unfortunately for the bank i have the promotion email and my communication with them saved, which I will include in attachment.

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 monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 Please remove it from my credit 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: DE

Complaint narrative:
XXXX reversed XXXX XXXX separate payments on XX/XX/2023 in the total amount of {$1200.00} as of today these funds have NOT been returned to my utility spending account. 
I have just learned that XXXX XXXX uses a thirty party payment vendor called XXXX owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX, Transunion and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and Equifax do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and Equifax reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

Company response to consumer: Closed with non-monetary relief