vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: Verisk Analytics Inc
State: FL

Complaint narrative:
On XX/XX/2020, I sent a correspondence letter to LCI requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from LCI, dated XX/XX/2020 informing me that Lundquist Consulting Inc ( LCI ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information LCI reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to LCI identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and LCI for public records. XXXX XXXX is regulated under the FCRA but LCI is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is LCI not being regulated by the FCRA then? 

LCI 's website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact LCI if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on LCI 's website, they EXPLICITLY state " LCI DOES NOT MATCH BK INFO TO XXXX CREDIT FILES '' ... ..So, how does XXXX consider this information verified if LCI is stating they do not verify such information? 

Also, why is XXXX reporting LCI to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can LCI report anything to XXXX on a consumer if they are being recognized as a reporting agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 Capital One ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
It has come to my attention that Alliant may have added new stipulations to the rewards program that in order to earn 2.5 % cash back that there must be a monthly deposit to the savings account? I did not receive notice of this change, assuming it has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union
State: VA

Complaint narrative:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with FIRST TECH CREDIT UNION which is a violation of Equal Credit Opportunity Act. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. FIRST TECH CREDIT UNION became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or XXXX in prison for any. You have committed theft by deception and embezzlement both federal crimes.

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 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MIDLAND CREDIT MANAGEM ( XXXX XXXX XXXX XXXX  ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Also, this account was not stated in the other Bureau. You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: FL

Complaint narrative:
A few days I opened an account with SoFi, transferred {$500.00} into account. 
I deposited 3 checks totaling approx. XXXX. 

Today I get a notice that they froze my account due to fraud alert and suspicious activity and I should call a specific number. 

I called that number but they don't take calls! only voicemails. 

It's crazy that they can suddenly freeze my account without providing a reason supposedly " for my safety '' and then not have anyone reachable to tell me what's going on and why!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase allegedly received the incorrect amount for the payout of a totaled loss vehicle from XXXX. I did not write this payoff check and should not be dinged for a 30 day late payment when I did not make the payment. 

I did not know any remaining balance existed and when I found out, I paid it. 

I ended up getting another vehicle loan from Chase and it was very confusing because I got the same year make and model vehicle. 

Not sure why Chase has literally refused to update my credit report as all I do is continue to do business with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Previous action on this matter is cfpd compalint number XXXX, which no debt validation was given to myself the consumer, law 15 usc 1692 states that congress finds there is abundant evidence of the use of abusive, deceptive and u fair debt collection practices, which contributes to a number of bankruptcies, loss of jobs and invasions of individuals privacy. These laws are set in place to eliminate abusive practices. Truth in lending act gives consumers the right to cancel certain transactions that involve liens on consumers property from the unfair credit practices in the extension of consumer credit. 

TD Auto Finance furnished certain deceptive forms 15 USC 1692j in my consumer credit transaction on XX/XX/2021 creating an unfair practice 15 USC 1692f. Many law violations of my consumer rights have been made against myself the consumer by XXXX XXXX XXXX, listed below are the violations : 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692j 15 USC 1692b ( 3 ) 15 USC 1635 15 USC 1602 ( k ) 15 USC 1692e ( 10 ) 15 USC 1692f ( 6 ) ( a ) 15 USC 1692g 15 USC 1605 16 USC 1692c ( c ) Remedy of these law violations are as follows with regards to my rights of rescission that I never received disclosure for under Truth in Lending in this consumer credit transaction : 1 ) pay invoice that was sent to TD Auto Finance of all law violations 2 ) lien release of XXXX XXXX XXXX XXXX ) removal of this account from all consumer reports 4 ) refund of all payments made to date on account XXXX XXXX ) paid in full letter for account XXXX Exhibits A thru Exhibit H are attached in regards to this consumer transaction to prove the facts in this matter, please see all attachments for proof of law violations and facts in this matter along with an affidavit of truth signed and notorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The paperwork I received in the mail has a sale date of XX/XX/2022. I don't know if this is accurate and if PHH has me listed for sale as I have been numerous time and the sale was postponed. Please see attached documents for clarity on the ongoing challenge I am incurring with PHH. I was offered a substandard modification and have requested several times to have the documents redrawn however, no explanation has been provided after several request as to why the underwriting department is refusing to reconcile the documents. Whatever assistance you can provide me will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from 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 non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 I used a XXXX search to find the american express hilton honors credit card it said this : Hilton Honors Credit Card | American Expresshttps : //www.americanexpress.com credit-cards hilto... 
Earn XXXX Bonus Points after you spend {$1000.00} in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. 

I went ahead and ordered the card and spent {$1000.00} in the first month. I did not receive XXXX points. I was told on XX/XX/XXXX by their customer service that it says in the small print of the terms and conditions that they do not give any points. This is incredibly deceiving!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: UT

Complaint narrative:
originally my complaint was that chime banking lost a XXXX XXXX dollars somewhere but upon looking at all my documents not only did someone take XXXX XXXX from my account with no record of where it is but the original deposit amount was not even correctly deposited into my account. along with transaction errors that I was told were not incorrect by chime, also meaning they won't honor thier policy of provisional fees until the mishap was figured out.chime didn't even look into it.they gave it one minute before immediatly denying my dispute. they have ignored phone calls e mails any and all types of communicating effort to look into the matter. they don't have correct transactions they stole my money or letmy account be breached for someone to steal my money.. all around have mishandled my money and won't give any explanation as to where all my money is. my figure is around XXXX XXXX that is gone from my family and with no responsibility or accountability on chime banking end. which I believe is afiliate to the bank corp.this is unacceptable. I had held my utilities at bay for as long as I could waiting for my tax return and when it finally came chime does this to my family.it 's already been hard enough this year XXXX.i now have broken promises to my debts from waiting and they won't wait anymore.this has put an extreme hardship burden on my XXXX kids an myself. this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been continuously disputing with XXXX, XXXX, trans union, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in XXXX i was not of age to consent to such action, as the required age is XXXX. XXXX, XXXX, trans union all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer

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 2022-01-11 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:
I have been continuously disputing with XXXX, experian, XXXX XXXX, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in 2006 i was not of age to consent to such action, as the required age is XXXX. XXXX, experian, XXXX XXXX all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer

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 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: AR

Complaint narrative:
Debt owed is passed the statue of limitations age

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 2022-01-11 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: MA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MD

Complaint narrative:
I called LendingClub today to attempt to change my due as to avoid being internally late. The company agreed to change my due date but then proceeded to tell me that I would have to pay two payments for one mother because its their guidelines and if Im late 28 days or more they would report it to my credit report. This is against FCRA guidelines since they cant report until account is 31 days delinquent. Im aware lending club already violated FTC guidelines but I feel as though they are continuing to violate consumers FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint narrative:
Commencing on or about XX/XX/2020 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of 3000 USD utilizing Santander Bank services.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Guess someone used my info and Im just now noticing fraudulent activities

Company response to consumer: Closed with explanation