vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: V and H Portfolio
State: WA

Complaint narrative:
XX/XX/2023 I reached out to Vice and Huffman in Virginia to inquire about a credit account that I was not aware of previously. However, the director of the credit collection agency, XXXX XXXX, along with a lady who answered the call, was not cooperative and rude when I requested more details about the account. Once transferred, He ( XXXX XXXX ) did not engage in a proper discussion, which made it impossible for me to confirm the accuracy of the reported balance. 

During our conversation, XXXX XXXX kept mentioning that he was recording the call and kept interrupting me when I tried to clarify certain information. As a result, I found it challenging to fully understand the situation, resulting in a XXXX XXXX making threating commenting to retaliate against further actions of dispute. 

I will not stand for mistreatment while trying to access accurate information about my credit report. XXXX XXXXXXXX XXXX neglect and dismissive behaviour has made it hard for me to get important details. XXXX XXXX heavily implied that he will retaliate against me if I made any complaints. 

The intent of the call was to gain more knowledge on the account and mentioned that it needs to be removed because of error and false reporting of the details across reporting agencies and the closing of the original account and the open line of credit to this date which is also false.

After further research, this falls under the Tile 604 and 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-22 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: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir or Madam : This letter is in reference to a paid collection with the account number : XXXX In XXXX a collection for the amount of {$0.00} was sent to your agency due to a series of hardships and medical problems in my life. While I normally make a great strides to fulfill my debt management responsibilities, at the time of the debt I was unfortunately unable to. 

Since then, I have gotten back on my feet and have paid off this debt to your agency. 

A am now trying to buy a home, but the negative item on my credit report has made getting a mortgage complicated. I cant get an affordable interest rate because of the collection on my credit record. 

I am hoping, given the date and amount of this collection, if your collection agency would consider removing this collection from my cr5edit report as a gesture of XXXX. 

This kind gesture would sincerely be appreciated and a invaluable gift to my family as we build stronger personal finances. 

Sincerely XXXX XXXX Date of Birth : XX/XX/XXXX SS # : SS # : 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 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am the representative assigned for the XXXX XXXX  XXXX XXXX. She purchased a condo on XX/XX/XXXX. She died XX/XX/XXXX without funds in the estate. 

Her mortgage was originally with XXXX XXXX. It was foreclosed on and sold at a XXXXXXXX XXXX  sale XX/XX/XXXX to XXXX XXXX XXXX. 

Some months after the foreclosure and sheriff sale, I started receiving calls and emails from Selene Finance concerning the property that had already been foreclosed on by XXXX XXXX. 

I informed them on several occasions that XXXX XXXX had already foreclosed and the property had been sold at the sheriff sale. I told this to more than XXXX person in more than XXXX department. 

I continued to receive notice of monies charged to the account ; taxes, insurance, attorney fees, inspection fees, etc. They could not possibly have inspected as the property had been sold months prior. 

I referred them to XXXX XXXX and their attorneys who had done the foreclosure and to the public records where the deeds were recorded. 

On XX/XX/XXXX, Selene Finance sold the property they didn't have a right to at a trustee 's sale to XXXX XXXX XXXX and XXXX XXXX XXXX. This was done on their behalf by attorneys XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-08-22 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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: SC

Complaint narrative:
The Company Westlake Portfolio Management, states that I owe them for a vehicle that was purchased from US Auto Finance. The company US Auto Finance, LLC has gone out of business. In the contract with US Auto Finance , LLC it clearly states. " You agree to sign such agreements or documents as we may require to effect the terms and conditions of payment shown in this Agreement. You or we may rescind the retail installment sales transaction as provided in the Agreement if we are unable to assign the retail installment sales contract to a financial institution. Westlake Portfolio Management is a debt collector, they are not a financial institution. I do not have a contract with Westlake Portfolio Management. This company has been collecting payments from me, but they have not shown any documents showing that I have a contract with Westlake Portfolio, which is not a finance institution. They are a debt collector. This company has also reported on my credit report that I owe them money. I do not owe anything to Westlake Portfolio. US Auto Finance, LLC is the company who I finance my vehicle with. US Auto Finance, LLC is also on my credit report as being an open loan. Westlake Portfolio Management is not upholding the contract that U.S. Auto Finance, LLC had in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-22 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: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CUSO Home Lending
State: NH

Complaint narrative:
I received 2 consecutive inaccurate mortgage statements from CUSO Home Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when my regular amount due is {$1800.00}. Despite these statements, I had my normal monthly amount automatically withdrawn from my checking account ( {$1900.00} which is slightly extra each month ). Upon receiving the second inaccurate statement, I contacted CUSO on XXXX  to report the issue. It was during this phone call that I was told there was a " glitch in the system '' and the error likely had to do with an ARM change. I did not recall that I had this type of mortgage and had a loan approval letter kept with my statements stating the approval was for a 30 year fixed loan at 4.5 %. I sent a copy of the letter via email and CUSO subsequently replied that I indeed had a 10 year/1 arm variable rate. They sent my their copy of the signed documents from closing indicating the 10 year/1 arm terms and asked if I had a copy. What I found in my closing paperwork was an unsigned copy of the 10 year/1 arm. I am not disputing that my signature is on the their documents, I am just explaining why I thought I had a fixed rate. In looking through my unsigned document of the terms it clearly states that I would be notified in writing at least 45 days prior to the ARM change. Not only wasn't I notified, I was the one having to initiate communication regarding inaccurate statements. The communication since has revolved around me paying the new increased mortgage amount with my previous payment being held in suspense. The explanation I was given was that they do not apply partial payments.They sent me an updated statement dated XXXX with the amount due as {$4100.00} ( {$2000.00} for XXXX and {$2000.00} due for XXXX with {$1800.00} being held in suspense ). I have sent a check to cover the difference but both XXXX and XXXX were already sent on the XXXX of each month with my typical payment ). I expressed my frustration to the company and my concern regarding the potential for status of the account to adversely affect my credit ( email sent XXXX XXXX Rather than answering my direct question regarding the status of my account and whether or not this would affect my credit, I got an email response on XXXX simply stating the vice president " is going to reach out to me ''. I have not received any calls or communication since this 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 2023-08-22 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased items using my Paypal account back in XXXX of XXXX. I did not use one of items until XXXX of XXXX. I notice when wearing the item, white spots begin to appear all over the product. I also notice when water hits the product the color also fades on the handbag - before I knew this, I used a dry cloth to wipe the bag and the white spot got bigger on the front of the bag!!! I could not believe this - I only wore this bag one time! 

I reached out to the vendor and requested I be allowed to purchase the one pouch bag since it is made out of different material then the overall bag. It is the only portion of the bag that is faded. I was told no way by the vendor and the vendor also stated it was my fault. 

I reached out to Paypal to file a dispute claim against the company and Paypal disregarded all my evidence even though the company showed much deceit in the process of this claim. I can not believe Paypal would side with the fraudulent vendor. 
The vendor at first stated it would send me another bag if I dropped the dispute- which I asked for prove of this but it never came. Again, the company practice more deceit as it had no intention of sending me the bag but knew the bag was defective by making the offer. I also sent all this evidence to Paypal but the company did not care one bit. The company was willing to send a brand-new bag if I dropped the dispute which shows it knew the bag was faulty. The company even told Paypal that I already received a refund ( in XXXX ) but the refund was for an item being out of stock - I sent Paypal this as well and all of the evidence was ignored by Paypal. 
Paypal rep or team did not review my claim at all. Paypal disregard the fact that the company has been deceitful from the start of this claim. I make several purchases with Paypal account and have very few disputes - I am more than upset the company has denied my claim. 

Paypal stated reason for the denial is due to the description of the product not being different than what the vendor provided. I am not disputing the description but the fact the one bag I received is defective. It would not fade after one usage if it wasn't faulty. Paypal is allowing deceitful practices on the platform - any other bank would acknowledge the fact the company sent me a faulty product. I am only requesting a partial refund as I still have the product than I can no longer use. This is not how you service clients who use your platform all the 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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I purchased shoes online, size XXXX XXXX, made and shipped from XXXX XXXX XXXX. They didn't arrive within the time advertised so I contacted the company. I received a reply from a company in XXXX saying it was being produced ans shipped from them. I responded said cancel my order, you misadvertised I'm not doing business with you. They refused to cancel my order. Finally weeks later a size XXXX show, i ordered a size XXXX XXXX. They also were not as described or shown in pictures. They were missing XXXX details and designs. I immediately reached out to the company and let them know that the shoe was a size XXXX not a XXXX as I ordered I also told them that it was not shipped or created in the XXXX as their website says and as of XX/XX/2023 they still represent that the shoe is made and shipped from XXXX. The company didn't respond. I messaged multiple times. 

I made a report with my credit card company who closed it after the company responded with proof of delivery. I again sent over multiple pictures and screens shots of what i purchased vs what I got along with my emails to the company and just one day later I get a letter saying they received my proof but didn't receive my proof. I called and no one could help me. This was complete fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card, balance XXXX XXXX This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account

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 2023-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Back in XXXX of XXXX. I ran into a breach of peace and enjoyment at the current property due to a mold issue. I was advised that I could cancel the lease without penalty by the GM of the company ( XX/XX/XXXX Via email ). Long as I turn in keys and sign a specific waiver. At the move out time ( XX/XX/XXXX ) of me turning in my keys. No waiver was left for me to sign, I had sought legal representation prior. Due to them not trying to help resolve anything, giving me the hardest time and continuing to drop the ball. I was contacted via email on XX/XX/XXXX that the waiver was ready for me to sign. Iwas no longer in the area and I advised them to send it to my Lawyer to review and I never heard anything else back but I'm now seeing a collection on my credit in the amount of {$4700.00}. I need this removed from my credit asap. This can possibly hinder me from being able to move. im not sure if it was filled as an eviction or what.

Company response to consumer: Closed with explanation