vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: NC

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. I want to XXXX + days late REMOVED. You can not legally report lates and you know this. You are reporting XXXX + days late, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The delinquent date from XXXX  XXXX was XXXX I have NEVER entered a payment agreement with MidLand Funding XXXX 
When a debt buyer re-ages a debt, it often falsely reports new account activity, such as recent payment delinquencies, or it might alter the date of your account, such as changing the date you opened the account or last made a payment. 
I have NEVER disputed this old collection. Out of the blue your agency is now reporting consumer disputes this is a lie and you are wrongfully reporting false information on my credit report. This needs to be removed immediately. Each time the credit bueauers remove the dispute remark within XX/XX/XXXX hours Mid Land puts the remark back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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:
On XXXX XXXX I asked for Equifax 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Equifax responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Equifax 's verified response report ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 after a reinvestigation. So, this clearly proves that Equifax did not verify these bankruptcies which is a violation of my FCRA rights. Secondly, Equifax asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Last summer, I found out by attempting to set up internet services with XXXX XXXX XXXX in a new apartment that someone had set up a fraudulent account under my social security number with XXXX XXXX XXXX ( but with wrong accompanying information such as birthday ) to secure XXXX XXXX  services at XXXX XXXX XXXX in XXXX XXXX, XXXX  XXXX - account number XXXX. 

I have never lived in the state of Louisiana, purchased XXXX XXXX services, or authorized anyone in the state of Louisiana to purchase anything on my behalf. 

I worked through the fraud process with XXXX XXXX XXXX last summer, culminating in sending a letter to what I thought was a collections agency that they implied over the phone would close the process. 

I'm currently buying a house, and through the mortgage application process have discovered that despite the process last summer, XXXX ( separate from XXXX XXXX XXXX I guess ), sent the same collections debt ( {$610.00} ) tied to the fraudulent account above to a collections agency, Creedence collections, in XXXX and it went into collections in XXXX. 

This is now driving up my mortgage rate more than a percentage point ( several hundred dollars a month for the next 30 years ). The lender I'm working with is saying all they need is a letter from the collections agency stating that once the charge is confirmed as fraud, it will be removed, or to complete the process in 10 days. The collections agency is refusing to do either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
At the end of XXXX, XXXX, I refinanced my car loan I had originally taken out in the summer of XXXX with Kia Motors Finance. The new financing was through a credit union and they sent me all of the required documentation and confirmed payoff amount and ultimately the cleared check cashed by Kia Motors Finance in XXXX XXXX. The payoff amount was less than {$14000.00} in XXXX, the payoff amount paid was made for more for {$14000.00}. The following month, since I was on Autopay, Kia Motors Finance took out an additional {$450.00}, even though I had gone on their website and 'stopped " the autopay function. I heard nothing from Kia Motors Finance in XXXX or XX/XX/XXXX, although I starting paying the new loan to the credit union in XX/XX/XXXX. In XX/XX/XXXX, I started getting email and text requests from Kia Motors Finance with invoices, as if the loan with them was still active and valid. I went on their website and confirmed my balance was XXXX, yet I still kept getting notices. I contacted Kia Motors Finance through their website and again via phone and tried to get the problem with their accounting resolved. Nothing was done, In XX/XX/XXXX, I got another text notice and it stated that my 'account was past due. ' I again called them on XX/XX/XXXX and spoke with a representative XXXX XXXX or XXXX ) and her supervisor ( no name given ) who gave me a fax number to send the duplicate documentation confirming the payoff to them. The fax number provided did not work. ( XXXX ). I found a way to upload the confirmation documents on the Kia Motors Finance website, even though they did not provide an accurate option or category - I had to use an alternate, unrelated category to get them the documentation they stated over the phone they required to correct the misinformation they maintained on my account with them. I wish they would fix their problems, stop harassing me, and return the overpayment of around {$800.00} made to them last year.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
requested payoff from company after them telling me for weeks that my modification was in review, company told me that my modification was in review instead of telling me it was still going to foreclosure, someone came to my house and told me my home was going to auction in the morning and wanted to take some pictures, I immediately got on the phone and asked for a payoff amount to stop the foreclosure. paid the amount they requested, then after the fact they are still saying I owe over 5k on the loan, I have requested a full audit of the mortgage and have requested several times, and still not able to provide a full audit, I need the audit to provide to my attorney. Requested again on XXXX and they told me it would be mailed out in 3 to 5 business days after waiting on the line for two hours to talk with a representative. I would think a company could provide a detailed analysis of the mortgage. I want it from when the loan started. the fees they have charged are not fair and when I payoff request is provided and should include everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: GA

Complaint narrative:
A PNC account was opened in my name that I was completely unaware about until I received a letter in the mail stating that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately Experian and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported XXXX XXXX below needing to be immediately Removed & Deleted. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX EXPERIAN - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX NORTH XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN - 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 2022-02-14 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and as I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$30000.00}

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 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I applied for a vehicle loan in XX/XX/XXXX through XXXX XXXX XXXX XXXX for a vehicle. Truist was the financial institution that was chosen for the loan. In the beginning of XX/XX/XXXX I received a 'bill ' in the mail letting me know my first payment was due. I logged on to their website and paid the amount by/before the due date. While there I decided to sign up for paperless billing. I also looked around to see if I could setup an auto pay. I was not able to find autopay but I figured electronic billing ( email ) would be enough of a reminder, FOR NOW, to make sure I kept up with the payments. 

Today, XX/XX/XXXX, I realized that i hadn't received a paper bill yet for said auto loan. I went to my XXXX account and searched for any email from Truist ... I did not have one letting me know I had an upcoming payment due or any electronic statements. I logged into the website and saw that I had an upcoming payment due on XX/XX/XXXX. Needless to say I was not happy. 

I called customer support and spent ~1hr with them as they tried to help me setup alerts/ notifications/ etc. After wasting an hour of my time I was informed that 'this type of loan ' was not yet able to send alerts or notifications about upcoming bills. While I was very unhappy/ confused to hear this... I asked about setting up an auto payment. Again I was told that this type of account did not currently have access to these features. I asked to speak to a manager ... after another 5 minutes I was told that one was not available. 

So to recap. I DID NOT receive an electronic statement ( nor did I receive a physical one ). I CAN NOT setup alerts about upcoming due dates. I CAN NOT setup automatic payments. I was not able to speak to a manager about my concerns/frustrations. 

I find it abhoredly unacceptable that Truist is essentially not providing me any real consumer tools to be informed and manage my payment to them on time. It seems as if they are hoping I will drop the ball so I can pay a fee ( and take a hit to my credit score ). And I am even more frustrated because this is an auto loan and I don't know how to transfer institutions ( like I could with my checking/savings/investments/mortgage/etc ) ..so I feel stuck.

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 2022-02-14 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: NC

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  : XXXX Date Updated : XX/XX/XXXX Bankruptcy Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX OF XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2022-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital one needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi has failed to honor the terms and conditions of a deposit account marketing offer they sent me via email. I accepted the offer and completed the required activities, including depositing {$15000.00} in a new account ending in XXXX on XXXX XXXX, 2021, and leaving it in the account for the last 6.5 months. 

In addition, Citi has failed to update my Social Security number ( to rectify their mistake ) even though I've sent the proper documentation. 

I have reached out to Citi and received conflicting information on numerous occasions as well as complete lack of followup and/or caring. 

I consider Citi 's actions to be bait and switch and subject to UDAAP regulations. They are effectively holding my funds hostage and not paying the marketing offer amount ( {$400.00} ) nor any interest. Please assist. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am really appalled and disturbed by the actions of this company yesterday during their attempted collection call. I am wrote to notify them that their actions were detrimental to me and that their firm has made multiple violations of the Fair Debt Collection Practices Act. 

Please take note of the following violations that occurred yesterday XX/XX/2022 at XXXX. At the beginning of the call, I notified the representative XXXX XXXX that the time of the call was inconvenient to me since I was currently driving and running errands during my lunch hour. At this point the employee should have scheduled a more appropriate time for the call. The employee then became loud and aggressive, continuously cutting me off and being flat out disrespectful. He knew or should have known that the abusive and aggressive behaviors displayed toward me during the call were oppressive, inappropriate, and potentially damaging. During the call he told me that the case is in pre-something, and that if I did not pay during the call, I would be sued and my wages would be garnished. This is a blatant violation of my rights since the FDCPA states that you can not imply that non-payment will result in garnishment of my wages. The representative completely failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at the firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-14 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation