vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 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: GA

Complaint narrative:
I XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : XXXX EQUIFAX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: VA

Complaint narrative:
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. 
On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company sent our funds from our home sale to a scam email. They did not contact us in anyway to confirm a bogus email that they received instructing them to send the funds to a random bank account. The escrow company sent our funds to the scam bank account and so far the scammers have been arrested and the bank still has not come through with payment to us. its been 2 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: DISCOVER BANK
State: VA

Complaint narrative:
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I paid a debt to IC Systems in the amount of {$400.00} as a settlement for a XXXX XXXX account. I was informed once this payment was made this would be removed from my credit report. This account is still reporting now with a XXXX  balance however it was suppose to be deleted. The company is now refusing to delete the collections account from my credit which continues to have a negative impact.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I came across my credit report recently after I have filed a dispute in regards to incorrect items on my credit report with Caine & Weiner and it was removed on or around XX/XX/XXXX however ; this account has reappeared back on to my XXXX  credit report despite the fact that its against the law to replace a negative item back on to my credit report after it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: U.S. BANCORP
State: VA

Complaint narrative:
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the 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 2021-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I sent over my initial dispute in XX/XX/2021 second dispute sent, XXXX of XXXX by certfied mail. ( i have receipts ) XXXX removed the fradulent debt. Then veros credit reported it back to XXXX along with XXXX and XXXX with no notice from either credit bureaurs of it being added back to all three of my credit reports. Which i know this is called reinsertion, and it is a violation of the Fair Credit Reporting Act. XX/XX/XXXX i resent a dispute informing them of my identity being stolen for many different accounts reported to my credit file. I attached a police report, with my Social security card and the dispute. Veros credit responded by no validation of debt, on how the debt belonged to me. They requested for me to send a police report, in which i had already attached with the letter in XXXX, my Id and Social. So i am reporting them for violating us title 15 1692g.1692e plus my consumer rights and ackowledgement of the identity theft reports already sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Carvana Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I inquired to purchase a car with Carvana, the run my credit and say I was pre approval pending to some verification, they requested proof of income in the form of 3 months of bank statements, after they got the bank statements they mention they could no approved those documents and they will need evidence of me owning a business what i did, after it I receive an email saying they couldnt move forward with the approval because I havent provide a Registration and Insurance Card in order to move forward with the review to either approve or declined the loan, since I am not willing to insurance a vehicle I do no know if I could get approved for I asked the company to deleted the application and since the way they advertise the service is absolutely different than my experience I call then to request of the removal of their inquire to my credit but found myself in a circle calling they do no have an specific department that handle this inquires so I am trying to get Carvana to deleted any related account and also their credit inquire from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
An unverified account was reported to my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
This complaint is about my frustrating experience with Hyundai Motor Finance. 
I love my XXXX XXXX XXXX XXXX XXXX. I was leasing it for 3 years, had no problems with it, as well as low mileage, and decided to buy it when the lease matured XX/XX/XXXX. 
The issue is not with the car, it is with the company. 
At the end of my Lease, I informed them I will purchase the car. 
I contacted the Lease End Department on XX/XX/XXXX, got the buyout information. 
On XX/XX/XXXX XXXX I made online payments for the total amount required and emailed the odometer reading statement along with the confirmations of payments Then the ordeal started. In short, I have been calling several times a week to get an update, the Buyout Department had to apply the payment, close the account and after that send me the Title ( which takes 10 days as I was told!!! ) Every time I had to be transferred from one department to another. You can get only the first name of a person you talk to, They are not allowed to give the last name!!!! and email is for internal purposes only. 
Every time they assured me of sending emails to the Buyout Department to expedite the process. 
I am still waiting for the Title. Moreover, when I log into my account it still shows unapplied credit. The buyout department has not corrected the error! This company needs to hire competent people and train them properly. 
I sent emails, posted the companys page on XXXX with no result. 

Despite multiple attempts, I couldnt get the problem resolved. 
Therefore, I had little recourse except to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). There is absolutely ZERO accountability at the at Hyundai Motor Finance ( HMF ) Lease Buyout and Titling departments. Customer Service in the Leasing Finance unit is a disaster. 
I am retired and on XXXX, I had to take money from my retirement account to make the payoff Now I am receiving letters from the company threatening with legal action if I dont return the car 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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America has reported I owe them for ( 5 ) Unauthorized charges of {$69.00}, {$270.00}, {$200.00}, {$51.00}, and {$67.00}. These charges were never authorized. Please help me to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OK

Complaint narrative:
I was arrested on XX/XX/2021 however the accusation was false and after an investigation was completed by a Detective I was released immediately and no charges were filed. Now it is on my background report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I never noticed I have a collection balance on my account. So I paid it off I just need to remove that from my collection.I know this is not mine is owned by some other company but it still seems it's my name so I had to pay. But they didn't remove from my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Since 2019, FIRST BANK OF PUERTO RICO. I try back and forward to many ways to make a Loss mitigation. LOAN NUMBER XXXX. I make a complaint to Consumer financial because they inform to many letters that is deny then upps its Ok they give the chance to make a trial I start to make the payments month by months with no problems. Then I received a letter offer me a balloon payment I dont accept but I continue the payment and bank accepted they never call to closed because the COVID-Sar 19 i got XXXX in XXXX my father and mother both died one in XXXX and my father in XXXX for cause of XXXX I never stop to make payments to the bank. Since XXXX in middle of XXXX they call me the trial that they give fall down because they need a letter from a government area taxes on house Im said that was ok but I need to take a appointment to go to that office and look for papers that they want, and I said please continue receiving the payments please they SAID NO. The bank said again to start over another Full case of LOSS MITIGATION NO MATTER WHAT THAT I ALWAYS IN THE PLAN MAKE THE PAYMENTS ON TIME ALWAYS. This is so intensive because since 2019 I try to closed this loan and right now I start again the course of another this is maybe the fifth or six time that the bank make this is going crazy. To many things in my life so sad for the lost of MOTHER AND FATHER FROM XXXX. AND I GOT XXXX TO. Its so difficult because this people in the bank want to se me going crazy, to many letters a have that they dont be Serious. In this time I star over again and send all the paper again and package of loss mitigation but the thing is that they are playing with my health emotional and physical because I can eat and to many disorders in to my body when you sum all things that I pass with my family and think they are playing with PEOPLE THAT THE ONLY THING IS WANT TO PAY AND THAT IT I received the papers from the taxes in XXXX XXXX means CRIM and send instantly. I appreciate please help me with this BECAUSE THIS PEOPLE ARE PLAYING WITH SOCIAL MENTAL AND I DONT THINK ITS FAIR Thanks again XXXX XXXX XXXX XXXX THIS IS SECOND TIME I RIGHT DOWN A COMPLAINT by me. Thanks for the HELP TRUST IN YOU. Cell phone 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 2021-07-05 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
Unlock my balance, I never put any outstanding balance please remove it from my account. This account is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CO

Complaint narrative:
This all goes back to my first and ongoing complaint. My score was lowered a whopping XXXX points for merely applying for one credit card a credit card promoted within the Experian site as one to help boost me credit. My score was over XXXX and dropped to XXXX as soon as I was rejected. Not over any bills or payments. Since then I've never once received a reply from them that addressed the exact issue and then you just close the complaint. Since I was punished for applying for a card I continued to pay everything is full and on time AND THAT INCLUDES BUYING A PAYING FOR A CARE DURING THE PANDEMIC yet my score stays far lower than before. It's clear Experian is now punishing me for contacting you. 
Also there in no longer any real way of contacting them their phones do not work at any of their number listed and their website offers nothing.

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