vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax need to remove this hard enquiry as XXXX XXXX said to contact equifax and equifax said to file an FTC report and this where FTC is directing me here. So, Im writing here. 

I would like to know how you verified the following information listed below when it is clearly inaccurate : Did you call the original furnisher or just look at the information in your database? 


XXXX XXXX XXXXXX/XX/2023 : Account number : XXXX, XXXX. 

Can you delete this ASAP and send me and update. 

Please provide me with the following information within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have been locked out my account I submitted documents of who I am and still it is locked.talked on the phone with yall yall still aint help I just want my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My homeowner 's insurance is escrowed per my final signed closing disclosure. I received notification from my insurance company that a payment is due for {$940.00} for the year. I also received a letter from my mortgage servicer ( Truist ) to contact them immediately regarding cancellation of insurance. The reason my insurance was being cancelled is due to the annual premium not being paid by my mortgage servicer. There is currently {$3000.00} in my escrow account per my most recent mortgage statement. When I called Truist, they informed me my homeowner 's insurance is NOT escrowed, even though it does show escrowed on my final signed closing disclosure. The letter Truist sent me also has my insurance policy number on it so I know there was some kind of communication between Truist and my homeowner 's insurance ( XXXX XXXXXXXX XXXX XXXX XXXX ). Truist is now saying they are force placing their own homeowner 's insurance because they received notification of my cancelled insurance, but their insurance is more expensive than mine. They informed me there is no way around this and that it is my responsibility to make sure the insurance is paid and my property is always covered. However, I signed the closing disclosure stating my homeowner 's insurance premium would be paid from my escrow account and that the reason the insurance was being cancelled is because they have not yet paid the annual premium from my escrow account. I spoke with a representative on XX/XX/2023 with all of this information and they are going to call me back tomorrow or the next day to follow up with me. 

I do not believe it is fair that I have to pay a higher insurance premium that Truist is force placing because Truist failed to pay my homeowner 's insurance on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Again first complaint FALSE ADVERTIZING apply nob impact on credit profile since three hits on my credit profile in three days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
Attention underwriter!!! 

I recently applied for a credit card. I was denied. My next step will be a complaint with Consumer financial protection bureau and I have a claim. 
On the consumer transaction. I ask we proceed and Act in good faith. Denying me access to my credit is discrimination. I have rights to my credit, Withholding my access to my securities is securities fraud. According the consumer credit protection act, equal credit opportunity act, title 15 USC 1691. My ss # is my full faith in credit. Please give me a list of all the factors of this consumer transaction. I am the beneficiary. I am aware of the securitization process and am entitled to the proceeds. Interest. Please correct the error. Thank you. Looking forward to setting this matter. 
You sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have tried several time to get this bogus information off my report and this company has violated and defamed me over and over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXX 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 instruction. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian refuses to correct an update the information that was submitted based on a complaint from XX/XX/2023. They stated that the information had been verified as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Columbia Debt Recovery XXXX, dba Genesis, initially contacted me via email on XX/XX/2023, asserting a debt owed to XXXX  XXXX in the amount of {$450.00} as of XX/XX/2023. On XX/XX/2023, I formally requested documentation pertaining to the validity and basis of the debt, authorization for interest/fees, and proof of their authority to collect. Their response on XX/XX/2023 was an unclear account statement, missing the requested information. 

Despite my follow-up on XX/XX/2023 reiterating the need for missing information, they did not respond back. On XX/XX/2023, they sent another debt notice resembling their initial XX/XX/2023 email. My subsequent communication on XX/XX/2023 reiterated their failure to provide the essential information. 

In their most recent email dated XX/XX/2023, they claimed my account is considered past due, and has been place in collections on XX/XX/2023. However, they still have not responded to my requests for data, and their inconsistent communication, now with different dates, complicates my ability to address this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is accepting incomplete, inaccurate & unverifiable account information without investigating. My requests for 24 months historical data are being ignored. My credit score has suffered because of the inaccurate, unverified information. XXXX XXXX has a poor consumer rating & is clearly doing the same thing to many other consumers. They need to be stopped! Every time I present factual account information the information is used against me & changed!! I can provide verification of all payments made to challenge the inaccurate information. I NEED the requested information to challenge the inaccuracy. Please provide! Im attaching the data provided from XXXX. It clearly shows NO data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  & XX/XX/XXXX! XXXX shows a payment of {$2200.00} & XX/XX/XXXXXXXX  shows a payment of {$100.00}! 
Now, XXXX is requesting that I send them a complete, unabridged copy of my credit report! Why? But I WILL provide a copy of my FICO score from XX/XX/XXXX. FICO XXXX & after XXXX reported dropped to XXXX! I can assure you that I didnt have a XXXX FICO from not paying my bills!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
Pursuant to 15 USC 6802 - Obligations with respect to disclosures of personal information. I am exercising my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as provided under the Graham-Leach-Bliley Act. I do not wish my nonpublic information shared with nonaffiliated third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Basically its all over the internet. I send my payments in 10 day prior to due date. They say they never receive it. The. They charge a late fee and then post my payment the next day. I sent my payment in XXXX out on wed the XXXX it shows posted on the XXXX I get a email her on the XXXX saying they still havent received it. This has happened a lot. The payment is due on XX/XX/XXXX a Sunday but it was cashed on the XXXX. It doesnt take 15 days to post! Ive called and they say they cant control the mail. They want me to call and give my debit card over the phone. ( that way one of the millions of operators can hike my account no thank you ) they should allow electronic payments if not they need to hire more people to do their mail!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: OR

Complaint narrative:
I had a balance on my account with XXXX XXXX  for 2 months. I sent the bill to XXXX XXXX to pay because I didn't have the money to pay twice, I had lost my home. I had already made a payment and so my bank reversed the payment since it was paid by XXXX XXXX. XXXX XXXX has no way to talk with someone. Every time I tried to call, the automated line said they were closed, or when I got on the chat it would get disconnected. Long wait times. I understand that they don't have enough workers. But I'm also told through someone who went there to work one day on the wiring, that they have outdated computer systems and 2 people working there. This is not my fault that they can't get it together or that they paid the wrong account. One hand does not know what the other hand is doing, and I called multiple times and no one could figure it out and they would just hang up on me. So they sent it to collections?! This is ridiculous. I have never missed a payment in 10 years! XXXX  XXXX  paid my water bill and XXXX as well and they were paid with no mistakes. In this day and age, it is extremely stressful especially for a XXXX poor person to fight the system. I'm sick of being held responsible for other people 's mistakes. They added more money on the account after it was closed too. I gave the exact bill to be paid to community action. it was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me and I never gave consent to any of these. I need this fraudulent information removed 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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC 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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK
State: CO

Complaint narrative:
My account with First Bank was closed as I attempted to buy a used car for my son. When I sent the money to a friend of a friend by XXXX, it was flagged as fraud. This is fine, but what is not is the way I was treated when the bank called me to verify the transaction. The representative spoke with a mocking tone, and acted like a child. At one point, I said this isnt fraud and she replied uh huh it is. I became frustrated and she terminated the call. 

At this point, in retaliation, my account was closed. When I opened a new account, I was unable to set up my bills as usual, and received a letter stating that my ACH access was blocked. I called First Bank to dispute this last week, and again was spoken to like a child. In a mocking tone, the representative said they could not help me and laughed. 

I also was expecting my tax return at this time. First Bank said last week that they were mailing the check to me. When I followed up today, I was told that it was returned to the IRS. The representative again made jokes and laughed. Looking at their reviews, I can now see I am not the only customer with this issue. 

I spoke with the IRS today after First Bank and they do not know where my refund is. To help, they placed a " trace '' on my refund and are contacting First Bank to find where my refund disappeared to. 

I'm afraid that First Bank has stolen my refund, and I would like them to remove the ACH hold from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Zillow Group Inc.
State: PA

Complaint narrative:
XXXX XXXX, indicated how he and his underwriting software used estimated monthly mortgage payment to determine my DTI. I provided his with CFPB 's article on how to calculate DTI and explained that the total debt divided by income is how you come up with that ratio. Which if he considered the information on my report, it would have been 36 %. I asked him to reconsider his calculations. I also informed him with documentation that the debt belonging to XXXX XXXX XXXX reported on my credit report was an error because that account been was paid in full. I asked him to regenerate a preapproval without that debt and he insisted that he stood on the calculations he used and was not changing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 5 credit cards with Capital one. I had a problem paying my bill due to our business almost closing and my account due to our accounts being hacked. I have had to switch my bank so I can make proper payments which I made minimum payments on XX/XX/XXXX. All of my 5 credit cards have this restriction. I am submitting this claim because I have been a loyal capital one customer since XXXX I need this restriction lifted so I can have access to my credit when I make payments and not to have my credit destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX refuses to correct an update the information that was submitted based on a complaint from XX/XX/XXXX XXXX They stated that the information had been verified as accurate.

Company response to consumer: Closed with explanation