vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS HOMELESS. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXX CA XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX my 2021 XXXX XXXX was totaled by another driver. The Settlement value was precisely {$23000.00}. The Value evaluation from XXXX is included in an attachment. {$19000.00}. XXXX sent a check for Hyundai on XX/XX/XXXX. The check was received on XX/XX/XXXX and processed and cleared on XX/XX/XXXX ( see attached ). Hyundai owes me precisely {$3500.00}. 

However, ever since the account has been overpaid, Hyundai has refused to close my account and have allowed late charges to occur. Since XX/XX/XXXX, I have reach out to Hyundai every single week. I have never got a clear answer, I have been put on hold only to be hung up on. Many times, I have been told a financier needs to close the account, but they seem to always be on lunch or done for the day. I have been told multiple times they would call be back, that has still to this day XX/XX/XXXX ( XXXX months later ) has never happened. 

XXXX has also tried to help me. I was told by a rep from Hyundai that they needed to talk to XXXX before they can close the account. XXXX tried, see the report on the interaction between XXXX and Hyundai attached. Progressive has told me they have been told by Hyundai that they will call them back and never did, they have put them on hold and eventually hung up on them. XXXX has given me all the documentation I would need, and I have sent them to Hyundai with no response. 

To say I am frustrated is an understatement. Frankly Hyundai should be ashamed of how they do business. What I want is my account to be closed like it should have been in XXXX, I want the fees that were added after wiped off, and I want the {$3500.00} owed to me. This has gone on long enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I wrote to trans union, XXXX, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX XXXX ) I live at XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX GA XXXX. 
3 ) I work at XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I have tried to make my credit card payments about 4 times now. I was trying to pay my credit card off in full but my payment was returned to me on 2 occasions. I reached out to the Avant customer service and they advised they only take credit card payments on the XXXX of the month. It didnt make much sense for them to to my take payments on the first but I agreed and asked them to schedule a payment for me. When payment time came I got another message saying my payment did not go through though there are funds in the account I tried to pay with. I have other credit cards Ive no problem paying but this one never seems to take my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS XXXX. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I wrote to XXXX XXXX, Equifax, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: GA

Complaint narrative:
On XXXX XXXX I wrote to XXXX XXXX, XXXX, Experian about incorrect address and names on credit profile. They refused to remove it so XXXX asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I've been trying to erase false information from my credit report for the past 6 years, but XXXX refuses to provide me with legitimate paperwork to prove legitimacy. I have XXXX accounts that have been on hold since XXXX. However, they are reporting these accounts 180 days late for whatever reason. I have all of XXXX XXXX  emails from XXXX as well as phone calls to XXXX and XXXX to rectify inaccuracies on my credit report. 
I called AidVantage Manager XXXX ID XXXX from the Department of Education today, and AidVantage was quite rude, refusing to allow me talk, and denying that my certified mail had been received, which is false. 
I filed dispute again today XX/XX/XXXX with XXXX XXXX from dispute department XXXX XXXX. 
Its affecting my ability to receive loan for my business or advanced financially. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
To whom it may concern, 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 XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Acount # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX According to : 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This was not sent in error XXXX XXXX XXXX  consumer by law XXXX  XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This was not sent in error XXXX XXXX XXXX consumer by law XXXX XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 
I have attached my ONLY 2 forms of ID to 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XXXX I purchased an RV through XXXX XXXX in an online auction. I did my research and saw years of history of positive reviews on multiple forums for the company. I sent money via a wire transfer to Chase Bank for the RV. The RV was supposed to be delivered on XXXX when the unit didnt show up I started XXXX the company name again and found it was a scam. I contacted my bank ( XXXX XXXX XXXX ) and requested them to recall the wire on XXXX and have yet to hear back from Chase Bank regarding the recalled wire. Chase has advised me if the money isnt in the account I wired to they cant do anything about my money but Chase should be held responsible for allowing a fraudster to open an account with them and should be responsible for getting the money back from the fraudster as they are the ones who allowed the account to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NH

Complaint narrative:
I attempted to work with Fay Servicing for months to modify my mortgage because I had fallen behind. They scheduled foreclosure several times and I was able to have it postponed/ cancelled because I filed an injunction with the court and I also filed bankruptcy. The reasoning behind these two actions was to allow more time to work with Fay and obtain a loan modification. Fay is an extremely unprofessional and unethical business. They led me to believe they were working in my favor by asking for updated information in order to process a modification ( check stubs, bank statements, tax returns ). There was a foreclosure scheduled for XX/XX/XXXX and it was still held, even though they said they were working on a modification. I did some research on Fay Servicing and this is some information I found that applies to my situation. This is the webpage : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-takes-action-against-fay-servicing-failing-provide-mortgage-borrowers-protections-against-foreclosure/ - Consumer Financial Protection Bureau Takes Action Against Fay Servicing for Failing to Provide Mortgage Borrowers with Protections Against Foreclosure XXXX Fay Servicing to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices- Kept borrowers in the dark about critical information about applying for foreclosure relief - Illegally launched or moved forward with foreclosure process against borrowers who were applying for help - Offer borrowers opportunities to pursue foreclosure relief - Stop illegal practices and comply with mortgage servicing rules A copy of the consent order entered today is available at XXXX : XXXX Also, there was no legal notification in the newspaper for the XX/XX/XXXX foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BHA Services
State: FL

Complaint narrative:
My elderly father received a call in reference to someone looking for me in reference to the collection of a debt. I called the number ( XXXX ) XXXX. This number was for a company called BHA Services in XXXX. I spoke to " XXXX XXXX '' who was attempting to collect a debt from XXXX from something I am not aware of. I told him that if it was a XXXX XXXX XXXX debt, I had a bankruptcy in XXXX. I then told him that my credit is perfect and I owed no one anything and not to call me again. XXXX XXXX has since called my cell phone multiple times. He is now calling and harassing my work number repeatedly. I checked with my XXXX XXXX and they advise that all credit agencies report that my credit is excellent and that there are no delinquent nor unpaid accounts. I do not know what kind of scam this company or individual is attempting I take my accounts seriously and am tired of being harassed by this person. If I can not resolve this issue via your complaint services, my only option to end this relentless persecution will be to contact an attorney and pursue legal action. I am a XXXX XXXX  XXXX and have consulted my agencies white collar crimes who told me to begin documenting the dates and times of each call in order to provide documentation to my attorney to show a pattern of abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my account was hacked from someone I am unaware of. Bank of America has been giving me a hard time retrieving my money. Every 2 weeks they say its has been extended due to a claim that is still open. I have contacted them every 2 weeks and all they say is you have to wait. They do not offer any extra assistance. I was told the account will be closed and the money would be available to me XXXX XXXX, then XX/XX/XXXX, next XX/XX/XXXX now its XX/XX/XXXX. I have not been able to pay my bills because everything I have is in the bank. I am pending eviction. I need my money out of this bank. BOA has made my XXXX negative because they took money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief