vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The mortgage late reported by XXXX XXXX in XX/XX/2021 for XXXX  days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per one of the representatives named XXXX at XXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the XXXX Day Delinquency on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.

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 2022-02-03 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
To whom it may concern I am of sound mind and competent to handle my own legal affairs. 
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I received an adverse action letter from XXXXcredit, who had run a check on my credit on XX/XX/21 when I applied for an auto loan. I went to experian.com, signed up for an account, took a look at the information there. What I found was that Experian does not have just one score they give to everyone who runs a credit check. They have one they give a lender when you apply for a mortgage. They have one they give lenders when you apply for an auto loan. They have a third one they give lenders when you apply for a credit card. And they have a 4th one, called the XXXX, that they give to consumers who log onto their web site and view their credit score. Gosh knows how many more numbers they generate on you. 

The XXXX has an XXXX point scale. The auto score has a XXXX point scale, they're not even the same numbers. To tell a consumer their number is X, and tell a lender it's Y, is, in my opinion, fraud. 

I don't want to see the XXXX, I want to see exactly what Experian gave to XXXXcredit when I applied for the car loan. I called Experian and said that was what I wanted. They told me I had to have a premium account on their web site, which I had to pay for, to see that info. I insisted it was within my right as a consumer to see what they were telling lenders, not just what they felt like telling me. The agent hung up on 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 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
They first said they were attorney collecting a debt an they have put it on my credit an on my fianc credit it is his debt but she would not listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: GA

Complaint narrative:
I checked my credit report and noticed unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and noticed unauthorized inquires.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XX/XX/2021 I went out to dinner with my family when the bill came and cost {$340.00} I use my current debit card to pick up the check I then added a {$75.00} tip on top of that so the total would be {$410.00} I noticed that very evening that the {$340.00} was debited from my account but it said pending which is not unusual because a lot of times when you use your debit card except doesn't post until a few days later well a few days later I got debited another {$410.00} making the meal that should have cost me that really cost me almost {$750.00} when I notify the current they said because the three XXXX was still pending we had to wait for it to post so in the meantime I contacted the restaurant they were very good to me they contacted their merchant company they got right back to me they said XXXX we were paid only one time and we were paid {$410.00}, they also said the {$340.00} that was pending is a hold that is usually released within 24 to 48 hours and I'll XXXX XXXX did release it back to current current has to release it into your account so I contacted current back with that information and they said well considering that it's still pending there's nothing we can do what we can do is wait 10 to XXXX15 business days if it's still pending then we could do something about it well and at that time. I had another very very major problem with current that you guys are handling for me that I have another complaint in and so I have absolutely no trust with them whatsoever and just today I spoke to you guys on the phone and XXXX informed me that I should definitely make another complaint so I am going to enclose screenshots of the {$340.00} that is still pending by the way over a month later from XX/XX/XXXX the receipt says and then on XX/XX/XXXX the second receipt says the {$410.00} I'm also going to enclose my XXXX and XXXX bank statement because in my bank statement it says that the {$340.00} was debited on XX/XX/XXXX even though the receipt says XX/XX/XXXX and XXXX at {$18.00} wasn't debited until XX/XX/XXXX with XX/XX/XXXX even though the receipt says XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: IL

Complaint narrative:
Today ( XX/XX/XXXX ) I received two packages from Cash.app. These were new cards welcoming me to the app. 

I NEVER signed up for this service. I have attempted to phone, including get a call back but they did not resolve. I have since submitted the request through a form. 

My complaint is that there is no specific office, form or phone number to affectively address fraud complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX Re XXXX XXXX XX/XX/XXXX XXXX Sterling National Bank ( aka ) Webster Bank loan # XXXX On XX/XX/XXXX, Sterling National Bank changed their company name to Webster Bank. I never received a formal written letter notifying of this change or what I need to do regarding my homeowners insurance policy holder. 

On XX/XX/XXXX I contacted Sterlings insurance dept. and asked did they send a formal letter to my homeowners ins. Company with any new updates; such as, name change, remittance address for payments and etc.? 

The representative stated a letter was generated on XXXX XXXX to my insurance. My thoughts were, was the letter actually mailed out. I didnt believe her. I asked her to please mail me a copy of that letter dated XX/XX/XXXX to my insurance company? She said she couldn't do that. Then, I asked her to resend another letter to my insurance company and she said ok. Again, don't believe her. Why do you ask? 

As of today, I'm still waiting on my escrow analysis letter that was completed XX/XX/XXXX and I was told it was mailed XX/XX/XXXX and then XX/XX/XXXX. As of today XX/XX/XXXX, still not recd. See my complaint # XXXX, there's a pattern here, with lying about mailing out documents to my home. 

Anyway, today XX/XX/XXXX, I contacted my homeowners insurance and inquired if they recd a formal letter from Sterling National Bank ( Dated XX/XX/XXXX ) regarding a company name change and all other necessary information required for billing, payment remittance address, possible new mortgage number? My carrier told me not, updated information recd. From Sterling National Bank or aka Webster Bank. 


Resolution for me : Have the bank create a formal letter to my ins carrier and cc me a copy informing us of the new changes; such as, new company name, billing address, payment remittance address and anything else they will need for an easy transition I will forward this letter to my lawyer, as well. 



Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been using XXXX XXXX for Care Credit Card Services. I have a XXXX claim and they are not keeping their end of services by not paying a first installment of my minimum payment due, because of a XXXX claim. I ask for your help.

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
XXXX/DSNB / XXXX / - BANK OF XXXX XXXX XXXX / {$1500.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When reviewing my consumer report I found that there is a late payment that should not be reporting to my consumer report. This late payment has hindered me from obtaining credit. As a consumer exercising my right, I demand that it be removed.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It started by Experian reporting inaccurate information on my business report .you have to verify your business and when I go to verify it gives my maiden name XXXX XXXX and list my business address as XXXX XXXX XXXX in XXXX XXXX when my business is in XXXX Va XXXX XXXX XXXX XXXX DBA ) XXXX XXXX XXXX home improvement cleaning services @ XXXX XXXX XXXX XXXX Virginia XXXX. Also I run a XXXX XXXX XXXX at this location name XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX the main issue is that they know they are reporting inaccurate information and want to charge you {$180.00} to update and correct your business information. I have a personal account with Experian and everything is correct but they will not correct this issue.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sa-Vit Enterprises, Inc.
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I switched payor accounts for one of my Capital One credit card accounts. My credit union gave me the incorrect account number to use for my checking account. The payment was returned due to the incorrect account number. After speaking with Capital One, I was reminded that this happened once before in XXXX of XXXX, same situation. I hadn't remembered this but when reminded I do recall. It never seemed like a big deal at the time nor did they alert me that this was a big deal. It was an error at the credit and I wasn't even past due. I figured, no harm, no foul, fix it and move on which I did at the time. 

Well after this recent mixup on XX/XX/XXXX, Capital One closed the account due to too many bank returns. I spoke to XXXX and Customer Service Leader XXXX at the XXXX offices who both told me there is nothing that can be done. They have no grace period or process to correct a simple error. On top of that they closed my other account with them and again, have no process to reverse this action other than the advice they gave me to just open another account. Again, both accounts have ALWAYS been up to date and paid as agreed. 

Well the BIG problem here is I am rebuilding my credit and the fact is that two closed credit card accounts are going to have a negative affect on my credit. Applying for new cards will negatively affect me as well and I am not sure I would even qualify. 

My complaint is that Capital One can single handedly with no regard or recourse for a consumer, are allowed to make decisions that will have such a negative affect on a consumer. With that said, I am sure in their " fine print '' I would find that they can do whatever they want whenever they want but the bottom line is this, what that did to me is unethical and will cause me harm. The harm is that my credit rating is going to take a hit costing me more money. I most likely will have a difficult time getting another card and all of my direct pay accounts attached to this card are going to be useless causing me further hardship as I have lost a necessary tool to manage my cash flow needs. 

In my opinion, consumers need protection from this type of unfair business practice.

Company response to consumer: Closed with explanation