vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX XXXX financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX , whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX , in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Since on or about XX/XX/XXXX have attempted numerous times to request a payoff quote and the payoff process. I have sent an email, a request form provided on the company 's website by mail ( twice ). I have called at least 20 different times to talk to a person and was only able to get to a person one time. I was told I would receive an email immediately ( that was on or about XX/XX/XXXX. Still no email. It is extremely frustrating that I can not seem to get to talk to a person no matter how many times I have called. I have tried online as well. 
The company is Roundpoint Mortgage XXXX XXXX XXXX XXXX, NC XXXX The only phone number they provide is XXXX This is also the only number the XXXX XXXX XXXX has as well - I did file with them and apparently there have been a number of similar complaints to them. I did not choose this company and was transferred to it. All I want to do is to payoff my mortgage!

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 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have tried to make a mortgage payment through the internet with the company MyLoancare.com webpage since yesterday and apparently the web page has vanished. So i tried to call their customer phone line XXXX and a recording says that loan care systems is currently down and their agents don't have access to the system. Thank you for any help you could offer and hoping everything will go back to normal again. So i could continue to pay my mortgage. And Please Investigate since their is no communication with this company.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Bridgecrest is holding my title hostage by not releasing the lien on the title. I've been calling for over two months, the loan is paid off since XX/XX/2021, I never received a lien release and they refuse to do anything about it. I've emailed daily, no responses, I've mailed letters with no response, the truck was traded into dealer with the lien they have called and won't release it. Last night they said stop calling we can't release the lien to you, or the dealer, and wouldn't let me talk or explain anything. Who will they release it too? They won't release it to any of us and won't listen to me when I say release it to us or the DMV. I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX  ( XXXX California XXXXXXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXXOLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX Account # : XXXX Open Date : XXXX Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hereby give notice two XXXX XXXX Equifax LLC and XXXX XXXX XXXX that I never gave my consent or authorization to post any information regarding the consumer report bearing the name or any derivative thereof as a result of this unauthorizedReporting my livelihood has been adversely affected. I will sewed dispute the accuracy incompleteness any information contained in this credit report.I challenge the reporting agencies to produce the law the authorizes any company or agency a right to report anything to a consumer reporting agency, or a law that allows said companies or agencies to impede commerce, thus causing injuries without a fiduciary obligation to remedy the damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX of this year I saw a notification that a collection account was added to my credit report. I immediately filed disputes with all three credit bureaus. I also filed Identity theft charges against my twin sister because she was the one living at the address on the account. I also made multiple calls and disputes with the collection agency. I also filed a FTC REPORT on XX/XX/. After deeper investigations by the other two credit report agencies, they did delete the fraudulent collection account and I was informed by the debt collector agency representative that my twin sister did in fact used my social security number and her name on the application that was used to approve the rental property. TransUnion refuse to remove it!

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a perfect history with Citi Bank for several years. I never missed a payment nor did I ever have a returned payment. The company says they closed my account due to a drop in my credit score. Never did anyone ask why, but I'm curious because my XXXX XXXX, XXXX XXXX XXXX, and various other store cards didn't close my accounts. I understand Citi closed my accounts due to their own terms, but they kept almost {$1900.00} of cash rewards they I fairly earned over the year. 

They canceled my cards because of a credit score drop and stole my legally earned credit rewards. I want my credit card rewards valued at almost {$1900.00}, this is a straight and simple 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

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 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
I have currently been on hold with Mohela for one hour and 43 minutes. This is a common occurance. My issue is that I am full-class with XXXX vs XXXX, so my loans are approved for complete discharge. Yesterday Mohela sent me an email advising that I owe them almost {$3000.00} and it's due today. Sending me a statement and taking me out of forbearance is in direct violation of the settlement agreement. I am in forbearance and have been since XXXX due to borrower defense. Mohela has taken me out of forbearance numerous times and I have had to fight through long holds, being hung up on, waiting weeks for answers online and speaking with advisors who provide false information. Department of Education has sent Mohela the information, for forbearance, numerous times. I even have an email from Mohela stating I would be in forbearance until XXXX, due to my approved borrower defense application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I hereby give notice two XXXX XXXX XXXX XXXX and Trans Union LLC that I never gave my consent or authorization to post any information regarding the consumer report bearing the name or any derivative thereof as a result of this unauthorizedReporting my livelihood has been adversely affected. I will sewed dispute the accuracy incompleteness any information contained in this credit report.I challenge the reporting agencies to produce the law the authorizes any company or agency a right to report anything to a consumer reporting agency, or a law that allows said companies or agencies to impede commerce, thus causing injuries without a fiduciary obligation to remedy the damages.

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 2023-11-28 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I hereby give notice two Experian XXXX XXXX XXXX and XXXX XXXX XXXX that I never gave my consent or authorization to post any information regarding the consumer report bearing the name or any derivative thereof as a result of this unauthorizedReporting my livelihood has been adversely affected. I will sewed dispute the accuracy incompleteness any information contained in this credit report.I challenge the reporting agencies to produce the law the authorizes any company or agency a right to report anything to a consumer reporting agency, or a law that allows said companies or agencies to impede commerce, thus causing injuries without a fiduciary obligation to remedy the damages.

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 2023-11-28 00:00:00
Product: Credit reporting 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:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/ I placed an order at XXXX for {$86.00}. Using my Wells Fargo charge card. It was a fraudulent site. I filled a dispute with Wells Fargo. The merchant did not respond in the alloted time. The dispute was in my favor. Wells Fargo charged me late fees, which they can't do. After many phone calls to Wells Fargo concerning said charges. They reported to the 3 credit agencies- deducting the late Charge but left the {$86.00} plus intrest of {$2.00} as owning. No- I don't owe anything. I have all the documentation concerning this dispute. After winning my dispute, Wells Fargo should have reported a XXXX balance. As of XX/XX/ Wells Fargo wants me to file a new dispute!! Are you kidding 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: KEYCORP
State: CO

Complaint narrative:
We had a water claim at our home. Our insurance company XXXX XXXX, has sent 2 checks ( with more to come ) for periodic distributions when stages of work is complete. It took a while but the first check was ultimately accepted by Key Bank, the mortgage company. XXXX XXXX has issued a second check for carpet replacement. I have tried to deposit the check with KeyBank and the local branch can not get the mortgage company to give them direction on how to deposit the check. In the meantime, the contractors need to be paid, which I have had to do out of my personal funds. I had to do this to keep the workers on track for the next stage or repairs. Yet I can not get KeyBank to deposit the funds into my KeyBank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
XXXX did not cancel the subscription renewal after I told them to. They charged my card again. I told Capital One to reverse the charge since I did not give XXXX the right to charge my card. 
XXXX website does not allow anyone to cancel the account. 
XXXX does not answer their phone line. 
Letter sent to XXXX to reverse this charge. 
I can not use the XXXX services even after they charged my card. 

Capital One did not protect me for the amount of {$29.00} and charged me XXXX for disputing this charge. 

This is wrong of both companies to promote fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This debt collector engaged in abuse deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we did not agree upon and I didnt sign agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper five steps validation procedure which makes this unfair practices. According to the FDCPA. Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( all information Ive found about this merchant is that its a scam ) allowed fraudulent transactions to be posted on their card batches. I filed a fraud claim with my bank, Fifth Third, for those two transactions and a third transaction that was already stopped by the merchant for being fraudulent and is no longer part of the fraud investigation by Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief