vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: TX

Complaint narrative:
This company is violating the law first off i don't owe them any money if they bought this debt then it is there debt they are suppose to send me a letter to inform me prior to placing anything on my credit that they are going to place something there They also have not showed me how they are involved in this matter also they have not provided me with a copy of there license to collect in Texas i mean there are several violations i have had 2 other companies claim ownership of the exact same debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

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 2023-04-20 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:
This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to XXXX, XXXX, TransUnion.

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 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a pre-approval with Chase. The loan officer 's name is XXXX XXXX, XXXX # XXXX. He asked for my gross income, and wanted my W-2. I explained that my gross income is actually higher than what my W-2 shows . I even provided proof of this by submitting an annual paystub that shows the correct gross income. Even after providing proof of accurate gross income, XXXX XXXX proceeded to use the wrong amount, which was significantly lower. He ended up using box 5 of my W-2, for 2022, which shows {$70000.00}. However, Box 12 should also be included, since those amounts are for employee sponsored health care plans. Including box 12 my gross income would be more than {$85000.00}. This would surely affect my loan terms by a significant amount. 

I attempted to politely discuss this with him on the phone, but XXXX was very condescending to me. Not only did he use the wrong gross income, he also ran the pre-approval for down payment of only 15 %, even though I requested 20 %. When I brought this up to him, he condescendingly asked me " can you even afford 20 % ''? This was extremely shocking to hear, especially since I had already submitted all my financials, including my wife 's financials. 

I also wanted to know what credit scoring model they were using to determine my mortgage worthiness, but he condescendingly argued to me that there is only one score. I know for a fact this is wrong, and politely tried to discuss this with him, but he insisted I knew nothing about credit scores. 

XXXX XXXX even had the nerve to file a complaint against me to his own manager, for dropping an XXXX XXXX. The XXXX XXXX was in response to the question when he asked " can you even afford it ''. To which I replied, " you should know this, I just gave you all my XXXX financials ''. That's when I hung on him, and wrote a complaint to his manager, but his manager never responded.

The tone in which he communicated with me on the phone showed clear disdain for me. The fact that he used wrong numbers for my pre-approval, and the condescending tone in which he spoke with me, exhibits clear intent to discriminate against me. I complained to his manager, and tried asking for a revised pre-approval letter, but they are ignoring me now. 

I am attaching proof of conversation in which XXXX admits to using the wrong gross income and wrong down payment amount, including my W-2 and annual paystub that shows my correct gross income. 

What recourses do I have at this point? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  account ( XXXX ) is reporting an account as open. I have called XXXX XXXX XXXX  and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I reached out to Navy Federal late XXXX regarding over {$8800.00} of unauthorized charges that consisted of XXXX and XXXX XXXX. Someone had got into my vehicle and took my husband wallet an my debit card was in it. After XXXX weeks of waiting I was informed that my claim was wrongfully denied so I emessaged the bank for a second review. After calling several time I was told giving the police report information would help speed the investigation so I immediately contacted the police department and got the information to them. It has been XXXX months and I have not received any update on my claim nor have I received any money while my claim is still being investigated. The only information I receive when I call customer service is that its still under review and theres no time frame. This isnt being handled properly and I need my claim approved immediately or I will have to seek further legal action for my money and the stress this has caused me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: OH

Complaint narrative:
XX/XX/2022 I was approved for the loan of {$1400.00}. The interest rate is 740.62 % and as I pay, the loan amount continues to increase and is now totaling over {$3000.00} regardless of payments I have made. I am charged every pay day for this loan. When a missed payment occurs, they threaten to contact my employer for wage garnishment. I have XXXX small children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A couple of months ago I submitted a complaint to CFPB, regarding unauthorized transactions from my Bank of America account. Bank of America responded to my complaint XX/XX/2023. Their response was to call the number ( XXXX ) XXXX XXXX extension XXXX, which belongs to resolution specialist, XXXX XXXX XXXX Since, XX/XX/2023, I have been calling everyday to obtain Bank of America 's response. However I haven't received any call back from XXXX XXXX or Bank of America in general. It has been more than a month since my complaint was closed and I have NOT received any call, voicemail, email or mail. I have called XXXX XXXX numerous times. After calling CFPB customer service, I was advised to submit a complaint. As any other customer I except clear communication with Bank of America.

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 2023-04-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
have reached out too these companies back in XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Wells Fargo VCS ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and 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 2023-04-20 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on 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 explanation
Consumer complaint received 2023-04-20 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MS

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MS

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-20 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: TX

Complaint narrative:
I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I haven contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

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 2023-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I haven contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Synchrony Bank 9Amazon Credit card Synchrony Credit Card Amazon To Whom It May Concern I am asking your assistance with an ongoing problem which I have with Synchrony Bank. 
In XXXX, I suffered a XXXX and since ( since I live alone ) I have tried to make payment card ... the problem, since I do not currently live at home ( I am in a XXXX XXXX ). I do not have access to my credit cards it is not programmed into my computer. 
I contacted the bank in XXXX requesting my account number... they sent the last 4 numbers. Over the last 3 months I have requested mu account number another 7 times only to be sent the last 4 numbers. As you know to enter the site you need the 16 numbers of the account. 
In the meantime, my credit score has dropped dramatically, my Amazon account has been suspended etc/ and thelate fees have been adding up. 
I have entered my debit card to the account and have asked Amazon to deduct the amount from that card. I have also asked them to e-mail or regular mail and not call because part of the XXXX was I had also lost my voice which I am slowly getting back. However the bank has made between 19 and twenty calls a day to which I can not respond I can supply copies of emails on request

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
Consumer complaint received 2023-04-20 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and Transunion credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and 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 non-monetary relief
Consumer complaint received 2023-04-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan. 
My rights to privacy and consent have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Pro collect debt collector keep calling me from multiple numbers about a debt collection that I see on my credit report from fall and XXXX XXXX XXXX  for the amount out {$1700.00}. I have no knowledge of this collection and I would like for them to prove a contract to me if not I would like for this debt to be removed and for them to stop calling me immediately. 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