vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
First Financial withdrew a extra {$200.00} January 11, 2023. My normal mortgage payment is {$520.00}. I called First Financial and was informed there was a {$1500.00} escrow deficiency re property tax though the XXXX XXXX treasurer confirms my bill is almost {$400.00} LESS than First Financial estimated in XX/XX/XXXX. When I spoke to FF they also confirmed the lower tax number and then one rep implied I would be paying {$200.00} per month I definitely thought the deficiency was fixed at {$1500.00} meaning after 7-8 months it should end the extra payments of {$200.00} and I should return to regular payments of $ XXXX per month. It is obvious that FF bank processes are completely flawed in how escrow and property tax are calculated. I want a full explanation of how many extra payments are due to cure the {$1500.00} alleged deficiency and a reassessment of ACTUAL property tax VERSUS ESTIMATES FROM XX/XX/XXXX. At a minimum, FF practices are unethical and maybe illegal. FF claims it will investigate and call me back by XX/XX/XXXX. I do not trust FF so I am document this in a formal complaint to ensure they respond and fix this. Listen to the recorded call.

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 2023-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
XXXX XXXX XXXX This account was paid and closed on XX/XX/2022. Experian has failed to update my credit report. See report attached. Delete this account off my credit file right away!

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 2023-01-11 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On or about XX/XX/2023 I applied for a personal loan at One Main Financial online sending all my financial information ( pay stub from part-time job, social security retirement and pension ) I have had and account with XXXX Main in previous years and had no problem paying the account off. My projected income for the year is XXXX. The loan was for only XXXX dollars. The credit report had already been pulled, but when I asked about the loan on the XXXX I was told that I didnt have enough income to get the loan an that if I wanted the loan my wife would have to sign on the loan too. What I think is happening here is age discrimination not income. In the past this has not been a problem with me getting a personal loan on my own for over XXXX now its a problem and I want to know why. If a person is in good standing with a business, an that person can give you assurances through insurances on the loan received why not give that person the benefit because of past history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
Im Seeining on my equifax theres has ben an Inquire From XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX would like to be removed its FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been a CapitalOne customer for XXXX  year and a half. And a really good one. 
At first, I've obtained a Secured Credit Card with them with the limit of {$800.00} depositing {$600.00}, which I used during this time, and had a great use of it. 
I've always paid it fully and on time. I didn't have a XXXX XXXX and because of my good use, my score went up. 

After that I even got a XXXX Credit Card with Capital One, limit {$1500.00}. 
Which again, I've been using it and pay fully and on time. 

Since my credit card score only kept rising. I even got a nice credit card limit on XXXX, {$3000.00} on XXXX credit and {$800.00} on XXXX XXXX XXXX. 

Everytime I've paid for my statements, I used to deposit money in my CapitalOne bank account, and then paid through there, and it worked fine all the times. 

Recently, I had the terrible idea of paying through another bank, which is an option provided by CapitalOne app. I added my XXXX checkings account at CapitalOne app, I've validated this account at the app. And then I've made the payment of both my statements ( Secured Credit Card and QuickSilver ) through the XXXX checkings account. 

Statements : Secured Credit Card : {$80000.00} XXXX : {$76000.00} As shown in the screenshots, I had a XXXX XXXX enough to pay both statements at the time I've made the Payment. 

Days later, CapitalOne locked both my accounts saying that there was not funds. 
I called them and told them I tried to pay through XXXX checkings account. They told me that XXXX isn't allowed to make payments at CapitalOne like that, and because of that, both payments were rejected. 

I explained everything, and proved that the rejections wasn't me acting in bad faith, but the XXXX XXXX  XXXX, and that it wasn't my fault. And I even transferred the money from XXXX to CapitalOne right after and paid the balances as I should. They said that They would analyze. Many days have passed and now They closed both my credit cards. 

I definately don't think this is fair. I've been a great costumer, I explained everything and proved how everything happened. And even then, They just ignored and closed my credit cards. 
The very first reason I was using CapitalOne was to build score, and that's a thing I've been doing well for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: AL

Complaint narrative:
My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since XXXX  and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXX of XXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: AL

Complaint narrative:
My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXX  and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.

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 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am filing this complaint in reference to XXXX XXXX XXXX XXXX. I signed a month to month contract with XXXX XXXX XXXX on XX/XX/2021. I called XXXX XXXX  XXXX customer service department in XXXX of 2021 to cancel my services because I am out of work and I have no income coming in. I could not afford the payments anymore. I had spoken to numerous customer service representatives in the customer service department. My request was ignored and XXXX XXXX XXXX continued to bill me. XXXX XXXX  XXXX customer service kept pushing more services on me, when I told them my situation and I do not know what they did not understand. When XXXX XXXX XXXX shut me off, I do not recall the date ; they did not completely shut me off and continued to bill me. I have a bill of {$670.00}. This is unacceptable when I requested for my account to be closed. This is poor business practices and customer service. 
Now, XXXX XXXX XXXX sent my information to a collection agency by the name of Credence Resource Management LLC. They harass me with phone calls and letters. XXXX XXXX XXXX is trying to ruin my credit and they better remove it from my credit report. I really hope someone can intervene and help me out with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: LA

Complaint narrative:
Please see attached document detailing how this company is in violation of several of my consumer rights permissible purpose of consumer reports, THE LAW CLEARLY STATES any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TX

Complaint narrative:
Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX bankruptcy is discharged .Please remove it from the remarks and my report entirely

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 2023-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Debt was a result of identity theft. A police report was filed in 2015. It was submitted to the original people ( XXXX XXXX ) as well as several others that were fraudulent. It was already removed from my report. Somehow several collection companies including this XXXX Midland credit management, keep reopening this fraudulent debt and have been harassing me with mail and calls. I have told them to stop, they will not stop and refuse to stop. I just called again today and they argued with me and told me they were not going to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I got approved for a {$500.00} Credit Card from Capital One. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the Capital one App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 2023-01-11 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: CO

Complaint narrative:
This complaint encumbers XXXX, Experian, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX XXXX. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a credit score decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX  credit reports. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The XXXX  scores are designed to keep everyday consumers down. The XXXX  scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.

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 2023-01-11 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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,

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 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Private Client Account with JP Morgan Bank in XXXX, NY XXXX in XX/XX/XXXX it's been a Private Client account until XX/XX/XXXX when I closed the account for denying me the {$2000.00} Bonus for opening the account. I contacted XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX after trying to resolve the issue with JP Morgan Chase Bank in XXXX, NY XXXX branch # XXXX. I have bank account receipts from XX/XX/XXXX thru XX/XX/XXXX describing the type of account ( XXXX XXXX ) I have at Chase.

Company response to consumer: Closed with explanation