vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
On XX/XX/2022 I attended an event said to be a XXXX XXXX XXXX meeting in XXXX XXXX. If my memory serves me correctly, it was a property resort owned by Wyndham. I along with my girlfriend attended this meeting that was promised not to be a timeshare, but XXXX XXXX. During the process, I placed a {$50.00} deposit using my regions bankcard that somehow was never charged. I was firm about the amount of {$50.00} and never gave permission for a fraudulent charge of {$4600.00} to a Barclays Wyndham Reward credit card. I was told that my credit score automatically got me approved for a card. i was never told or explained to that the company was not accepting my original {$50.00} payment, I was not informed or aware nor did i agree with any other amount or balance being transferred to a credit card that i did not apply for but was told that i was awarded a card. The representatives acted in an unethical manner and scammed my information. On XX/XX/2022, my girlfriend and I completed a rescission on the contact. On XX/XX/2022, I received notification from employee XXXX XXXX that the rescission was approved. Her company 's email address is XXXX. However, we have been contacted by another representative who had us to forward all of the information to him to assist us with another complaint stating that the rescission never happened. We are not responsible for the incompetent or malicious acts of unethical employees. We have been getting the runaround. The salespeople acted unethically and committed fraud. They used dishonest tactics and manipulation trying to force a scam. A call was also made to the credit card company to report credit card fraud. The company is withdrawing the monthly payment from the regions bankcard which on a {$50.00} down payment was authorized, but put the unauthorized balance on their credit card which is being done fraudulently and part of a scam.

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 2023-03-06 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hello, Ive been having trouble acquiring the title to the Hyundai Motor Finance car that I paid off in XXXX. Summer of XXXX I was advised to send a check payable to Commissioner of Motor Vehicles. 
I called back XX/XX/XXXX to follow up on status and was told the check was rejected as it should have been made out to NYS DMV. 
XX/XX/XXXX I sent another check and followed up in XXXX and was told it was rejected because it should have been written out to Commissioner of Motor Vehicles. I explained that is why it was rejected the first time. 
XX/XX/XXXX customer service advised me to request online and provided me the zip code in Tx directly. DMV confirmed transaction was sent. 
XX/XX/XXXX I followed up again and was told I need to write a check all over again. I explained I have been doing this for 2 years now and getting no where. 
Please can someone help me. 
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 2023-03-06 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked 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 explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I took out an XXXX credit line through XXXX XXXX out of XXXX, OH to pay for a XXXX XXXX XXXX XXXX XXXX I had my debt paid in full in XXXX of 2022 when I could afford it and had previously paid increments. This final payment was a couple of days late, but they did not apply the late fee, so I paid the full amount. Following this, they applied a late fee that I was unaware of and after my balance was brought to {$0.00}. Since then, they have called me numerous times to " Collect a debt '' that I did not owe and used interest to raise my bill total to now over {$250.00}, and brought my credit score down by XXXX  points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: OK

Complaint narrative:
Called for payoff amount. Paid the amount they told me. Now there adding more interest. Its paid off and they refuse to send me a statement saying that and they refused to let me talk to a supervisor. This is a fraudulent company!!!!!!!!!!!! Straight up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX doesn't belong to me I don't live in nj I want it removed from my credit report immediately I live in Delaware driver license number is XXXXthat account was open fraudulent it's not mine

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ready Capital Corporation
State: TN

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The company forged my name on a home loan that was not made and falsely inserted a middle initial O.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( XXXXXXXX XXXX XXXXXXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act, The list of accounts below has violated my protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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 2023-03-06 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act, The list of accounts below has violated my protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
My credit was pulled by a 3rd party and they stated a bankruptcy appeared on my credit report. I would like that bankruptcy removed off my credit due to I obtain a letter from the bankruptcy courts stating they never report information of any source to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: OK

Complaint narrative:
I am a XXXX Veteran who was awarded A permanent and Total Discharged. XXXX needs to update my student loans account accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: ProCollect, Inc.
State: OK

Complaint narrative:
I am a XXXX Veteran who was awarded A permanent and Total Discharged. XXXX needs to update my student loans account accurately

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
I have a pill grant of {$6800.00} from XXXX. When I received the student card from the bank, I learned that another person opened an account before and took the student loan. When I spoke to the bank, it closed my account and told me the bank refused to send a credit card. After approval, he refused and asked me to give him another bank account number. Or sending money, a check for the money granted XXXX $ for each semester, after the end of each semester, I asked them where is the rest of my money and why did they not send me a prepaid card, and after a short period of time someone opened a personal account from the bank account requesting a loan and a credit card. I informed the bank and they closed the card twice, but they sent me {$430.00} only And {$6800.00} I have money left over from the grant, {$860.00} Knowing that I am permanently residing in the state of California, studying and working, and I have an American citizenship, the college says that I am not a legal resident to withdraw the scholarship money.

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 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Sequium is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Sequium is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I previously opened a complaint that was closedXXXX, however the Loan servicer still has not fixed the account. 
Loan was transferred to Lakeview Loan Servicing XX/XX/XXXX. 
Payment was made to XXXX on XX/XX/XXXX and transferred to Lakeview Loan Servicing in amount of {$3200.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment. 
Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment.

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 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have complained about this company before BUT nothing has changed with billing issues. In XXXX I paid my installment amount x2 yet again. XX/XX/ paid the {$150.00} check # XXXX. Then on XX/XX/ paid another {$150.00} check # XXXX. Now expected to pay yet again on XX/XX/. I am frustrated & tired of this nonsense. With the last complaint I submitted a copy of the agreement & how the clause about payments can be misinterpreted. So now again I am being sent bill for XX/XX/XXXX payment. I want this nonsense to stop! I am attaching copy of the bill & what I faxed back to 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 explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
I recently filed a complaint against my mortgage company. On XXXX I contacted Land home financial services 5 times in one day. I was hung up on two times then advised a supervisor would be calling me back. I filed a loss mitigation packet so that I can save my home. The packet was denied after all of my documents were received. I've been trying to speak with a supervisor to explain that i am paid every two weeks. The examiner stated that the last pay stub received was on XXXX and that I never sent the most updated report. I've been trying to explain that I'm paid every 2 weeks and that my next paycheck was not until XX/XX/2023. Every supervisor is refusing to speak with me. I wouldn't even say the complaint is against the company its more so the workers. I requested that a call i had with a worker be reviewed due to me being removed from a trial payment period however that was never done and i never heard back from anyone. I filed a complaint back in XXXX and I guess due to the complaint against the company retaliation was done against me. XXXX of 2023 my house was assigned to foreclosure while being in loss mitigation status. I'm just trying to speak with someone in management and explain that all documents that were requested has been received and to have my case reviewed correctly.

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