vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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: MO

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize 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 explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with settlement offers for two charge off accounts with XXXX  ( {$970.00} past due ) and XXXX ( {$3100.00} past due ), both from XXXX. They were sent via certified mail & gave XXXX  & XXXX XXXX  ample time opportunity to decline. They did not, I later sent restrictive endorsement checks for {$240.00} ( via certified mail on XX/XX/XXXX ) and {$790.00}, reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the accounts with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX & XXXX agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX XXXX , & XXXX  -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the restrictive endorsement checks but did not honor the terms of the agreement. Only the payments were reported to XXXX XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.

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 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
Cardinal Financial still owes {$190.00} on my delinquent tax bill as of XX/XX/XXXX. I have been trying to get an answer from them for 3 months with no luck. The reason for this amount was that Cardinal Financial short paid my delinquent taxes that they failed to pay in XXXX of XXXX. I have made numerous phone calls and emailed numerous times with no answers. This company has very poor communication skills unless they want you to refinance then they seem to be able to call consistently. 

I have had numerous Resolution Specialist with out resolution. 
Cardinal FinanciaXXXX paid a portion of my delinquent taxes on XX/XX/XXXX ( {$3000.00} XXXX. After about 5 months of calling and submitting a complaint with the CFPB. The payment was {$190.00} short. 

The collection agency gave the amount for the pay off to Cardinal Financial and they chose to short pay the amount. I believe this was a deliberate decision. 

I am waiting for a call back from XXXX XXXX. I left him a message on XX/XX/XXXX at XXXX am XXXX. Waiting 2 months for a call back is unacceptable. Waiting 1 year to have my tax bill resolved is beyond ridiculous. 

Someone at the highest level of this organization should be paying more attention to how their business is being run.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: WA

Complaint narrative:
I contacted Amerifinancial Solutions via. phone call XXXX. Upon answering they demanded for my social security number which I gave them, along with my name. I talked to an agent named XXXX. I confirmed with him that the total debt of XXXX was correct and I would be willing to pay it. I asked if when I pay it that he would clear it from my credit history, he said yes. I asked if he could send that to me in writing he said they dont give anything written and that my assurance was on the recorded phone call. This did not sit well with me, so I said I will call them back later. After thinking about it, I figured I could see if I could record on my end, the conversation as my evidence of our agreement. I called the Collector a second time, this time the agent was XXXX. XXXX said that Maryland is a two party consent State and that he did not consent to me recording. I found this odd, since their automated system stated the phone call XXXX be recorded. I ceased the call at that point. I called a third time to try to get the Company Address to make a lump sum payment and got a PO Box address. I started to feel further uneasy about this Company and researched them. I found that on XXXX about their horrid business practice. Also furthered by more negative comments on XXXX  ( which Ive also filed a complaint ). I would wish to remove this debt from my credit history. Im willing to pay its full amount of XXXX however based on my research on this companys practice and my current interaction with them. I have no faith in them that my full payment would be properly applied to my debt and not removed from my credit history ( or at least, shown as Fully Paid Off ). I need help resolving this. I need a written statement on the Companys agreement with me and confidence that my full payment will be acknowledged and reflected in my credit history ( with the 3 Credit Bureaus, XXXX, XXXX, and XXXX, if applicable ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I called Capital One to close one of my savings accounts. I requested that the existing balance be transferred to my checking account. As part of the account closing process I was required to consent to Capital One reopening the account if there were any outstanding transactions. The customer service representative confirmed all of my data and there was no indication there would be any issue closing the savings account. On XX/XX/XXXX I was notified that a transaction in my checking account was declined. That is when I discovered that my checking account was closed instead of my savings account and the balance of my checking account had been transferred to my savings account instead. I immediately called Capital One to have this error corrected. The first customer service representative said there was nothing they could do. I was then transferred to someone else who explained that they would need to investigate my issue, review the recording of my call and the customer service representative 's notes, to verify that the error was Capital One 's and not mine. I was informed that this process would take up to 20 days. I was advised that if the error was Capital One 's that my account would be reopened. On XX/XX/XXXX XXXX received a follow-up email saying that Capital One had reviewed the issue and informed the customer service representative 's manager of the error. The email said that an account could not be reopened once closed. This is obviously a lie, since I was forced to acknowledge that Capital One would be allowed to reopen the account if they deemed it necessary. I replied to the email, and called the number on the email several times, indicating that this response was insufficient and unsatisfactory, and requesting additional follow-up. As of XX/XX/XXXX I have received no response to my repeated attempts to have this matter resolved. I am still dealing with the expense and inconvenience of my primary checking account being closed unexpectedly. That Capital One would acknowledge that closing the wrong account was their error, but do absolutely nothing to correct the error is unacceptable. I want my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2021-07-17 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: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute letter regarding inaccurate and unverified accounts on my consumer credit report and still I have yet to receive any response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. To my knowledge according to federal law, it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and XXXX have got into the wrong hands. My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf plus these accounts are inaccurate and unverified. I am willing to settle this matter without any admitted liability. I am demanding deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with Discover Bank from XXXX ( {$1200.00} past due ). It was sent via certified mail & gave Discover Bank ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$370.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the Discover Bank agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am on a mortgage abatement program given the pandemic caused me a huge loss in employment income. My mortgage, however, IS in good standing but is coming up to the end of the abatement period. It has been renewed several times ( given XXXX  and XXXX like me are still not back to XXXX/XXXX are still closed ) but the mortgage holder ( Wells Fargo ) is CONSTANTLY calling me and during evening hours on weekends with some of the callers being condescending and threatening and some just annoying. The issue is that my date of expiration of the program has not yet arrived and they are already constantly calling me badgering me. I'm sick and tired of this - I'm not in foreclosure, I've never defaulted on my mortgage, and there is no reason for all this badgering. I want this badgering stopped. Evening and weekends? REALLY? I'm not even in default and again, due date/expiration date is several weeks away. Wells Fargo needs to settle down - they're not broke and harassing good payers like me just stop ... especially given the challenges people like me have right now given the pandemic.

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 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I did everything by the book, and I paid off a default judgment to the law firm that the judgment applied to. XXXX XXXX XXXX agreed to make sure the satisfaction of judgment was filed, and to remove the account from all credit bureaus. To date XXXX XXXX XXXX has not applied fair process on this matter, and I ask the credit reporting agencies to get involved. Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
I was checking my credit & found an account was opened. That I never set up. I live in XXXX, AZ & it's coming up as PA debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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:
This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

The consumer and natural person is submitting this complaint.

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