vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. 


In accordance with the Fair Credit Reporting act 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 : 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 2022-07-21 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: TN

Complaint narrative:
XXXX and Equifax Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score XXXX points, that took me to a XXXX. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at XXXX  with some XXXX collections and once they were remove over a year ago, my score went down as low as XXXX  and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the XXXX  point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bepensa Capital, Inc.
State: NJ

Complaint narrative:
Credito Real USA or AFS Acceptance whoever they are very deceiving and they're XXXX XXXX. They call non stop all day long from va5rious different phone numbers. They use Robo calls, they even call and stay silent and hang up the phone. They even have private delivery people to bring letters to my home. Not via USPS, it's hand delivered like I've been served. I've explained when I lost my job that I will be struggling to make payments. If they check my record after I stopped working that is when I fell behind. I do mu best at making payments, sometime doubling up in one month. However that is not enough for them. I even asked if I can break my payments in half to help me manage, but I was told no because their system doesn't recognize partial payments. I would still accrue interest fees until the payment is made in full. On top of all of that my interest rate is over 24 %. That alone should be illegal. I tried to refinance to have lower payments and get them off my back, but due to the way they report to the credit bureau 's has my credit all messed up. I just want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I was sued by Calvary SPV I, LLC on behalf of XXXX for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from Calvary proving that they obtained the debt from XXXX. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I feel personally targeted by Experian when it comes to my credit reporting. Over the years Experian have constantly report my account incorrectly and often time randomly drops my score for no logical reason. Hence why my score with Experian is the lowest out of all the 3 credit bureaus. Recently, on XX/XX/XXXX Experian dropped my score by -15 points after I reported my new address. There was nothing else going on with my report that would have triggered such a negative score drop. Also, Experian refuse to update the balance on my XXXXXXXX XXXX XXXX after I paid it off. The statement on this card closed since XX/XX/XXXX, XXXX sent the updated balance to all 3 bureaus and balance was properly updated on XXXX and XXXX within 3 days- Today XX/XX/XXXX still no update from Experian. In prior months, Experian would update this card 's balance within 3 days, ironically now that it's paid off, Experian refuse to update the information sent to them, why??? I'm tired of disputing items, just report things correctly and stop dropping my score whenever you feel like it.

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back in XXXX I took a Commercial Loan from Santander Bank for {$35.00} K. In order to receive the proceeds I had to sign an overdraft agreement. I was never told there would be 'fees ' involved that was associated with this. The commercial loan has been totally paid off. However, I kept getting statements not knowing what they were for. Never got a response from Santander after numerous requests. At no time did I ever go beyond the original XXXX XXXX  amount, so there was no need for an overdraft. I've contacted them on numerous occasions ( see attached with dates and the account numbers ). I've indicated to them this is in dispute. Also note... .they were sued by the CFPB for XXXX XXXX  in XXXX for the same reason.

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 2022-07-21 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: TX

Complaint narrative:
I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. In accordance with the Fair Credit Reporting act 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 : 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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My original bank ( BBVA ) was acquired by PNC and the info on file did not transfer over correctly, which has left me without access to my account. I was told by a rep that there is NO credit card account under my ss number. I know this to be incorrect so I had been making payments via paper statements. Once those stopped coming in, I went to a physical bank location and was told that the SS # on file did not match mine. I submitted a copy of my ss card, as directed by the bank mgr, but it appears that my credit had been rerun on XX/XX/22 WITHOUT MY APPROVAL. Months later and the issue has not been resolved and I still do not have access to pay my account. 
Due to all this, I have not been able to make my payment. I have no physical way of paying, it was not due to lack of trying. My account is currently showing as late but this issue lies with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
ATTN : XXXX XXXX CEO at XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX CEO at XXXXXXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX CEO at XXXXXXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank rejected my XX/XX/XXXX online application submitted at their website for an online savings/money market account. I provided all information requested, received an application number, see attached Allyrejection letter. 

Their letter dated XX/XX/XXXX & received XX/XX/XXXX, stated they couldn't open an account because my identify couldn't be verified! On the application I submitted all required info, e.g. full name, date of birth, mother 's maiden name , street address ( including current new address and address where I resided for 10 years up until XX/XX/XXXX. They quoted the USA patriot act & what personal info is required & that's exactly what I provided on the application. 

I've lived in New York my entire life - XXXX yrs old - all my credit & personal info is on my credit reports with XXXX XXXX XXXX ( very good rating on both ), so I want a reason why my application was denied. Whatever system they are using for security checks must be flawed if they are unable to verify my information which is readily available. 

I have been unable to get through to customer service after multiple tries and have given up on that option. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/22 my credit cards were stolen from my vehicle. Police report made. All credit cards contacted immediately advising of the stolen cards to cancel them. There is one fraud charge still on my Barclays XXXX XXXX XXXX. I have made over a dozen calls to them to fix this. All they do is send me a new card. There is still {$28.00} fraudulent charge from XXXX gas station on my account, they are now charging me interest and late fees. Every time I call I get the run around and then they disconnect my call. I am desperate for help at this point.

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX XXXX XXXX XXXX ( XXXX ) ignores and mocks the CFPB by repeatedly labeling my requests and complaints for information as a duplicate. I continue ans continually requested a copy of the permissible permission issued to Experian by XXXX used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.

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 2022-07-21 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: CarMax, Inc.
State: IL

Complaint narrative:
Carmax auto finance not my account and I want removal off my credit Carmax XXXX is the amount Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
As of XX/XX/2022, I noticed my savings account which contains {$36000.00} was blocked. When I contacted citi bank, they would not release any information as to why. I spent hours with different departments. They only stated its set for closure and it will take 1 to 2 business days to review and 14 days to receive a check for my funds. After a week my online access has been blocked as well which also holds my credit cards linked to citi. Unfortunately, now I can not access my bank statements either. I called several times again to see about getting my online banking unblocked and ask about the review for my savings. This time they said they can not give Any information other than now it will take 60 days to receive my funds and that they can not unlock online banking This is very frustrating as I need access to my funds immediately. From what I have been dealing with from citi seems like they are trying to keep my funds. I need assistance in retrieving my funds back. I have also read of similar situations which makes this a big concern for me.

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 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hello, I held a mortgage with Fifth Third Bank and refinanced with another lender around XX/XX/2022. 

I had mistakenly made XXXX 's mortgage payment ( {$940.00} ) to Fifth Third as my account was on auto-pay. I was told my escrow funds with the bank were applied to my final payoff, and my XXXX mortgage payment of {$940.00} would be returned to me in the form of a check in the mail as it should have never been remitted due to the timing of the refinance closing. 

At this time, I never received the check, and I am told the check was mailed out on XX/XX/2022, and cashed on XX/XX/2022. I have been following up with Fifth Third Bank for months trying to get information on the cashed check. 

I have not received any check imaging from Fifth Third Bank after numerous requests and now that it's been almost three months. I suspect the check may have been cashed fraudently and I am trying to verify this and figure out how to recoup the funds. 

Fifth Third Reference Number - XXXX Unfortunately, after almost three months and multiple attempts of trying to retrieve check images, and trying to resolve this with Fifth Third Bank, I do not feel they are responding appropriately and now need to escalate this matter to CFPB. 

Please let me know if there is any additional information I can provide or be of any further assistance at this time. 

Thanks, XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I received notification from XXXX, XXXX and XXXX that I had incurred a debt from Source Receivables management for a debt recently owned by XXXX XXXX. The debt amount is for {$290.00} and opened on XX/XX/2022. I have submitted paperwork on several occasions explaining to this collection agency that the debt is not mines and I have no knowledge of the account. They company has supposedly verified that the debt is accurate and has produced no proof of the debt belonging to me. According to the FCRA if you dont produce accurate proof of the debt being mines, it must be removed. They have not given proof of signature or any documents harboring my signature to support their claim of verifying its accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC
State: PA

Complaint narrative:
I refinanced my XXXX XXXX mortgage with Top Flite Financial recently. Top Flite requested a payoff, XXXX sent it, and Top Flight paid. I received my disbursement, and now XXXX is saying that {$1300.00} is still owed. 

This is money that should have went to me, and should not have been paid out, and certainly not owed. 

I would like that {$1300.00} refunded to me, as the payoff conversation occurred between these two companies, I should not be penalized by one of their mistakes. I am supposed to start paying Top Flite, but yet XXXX says I still owe, how can this be?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation