vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I am currently unemployed and experiencing XXXX  hardship. I have a loan through Netcredit in the amount of {$1300.00}. I originally took out this loan in 2020 and have made of {$4000.00} in payments. 
I contacted Netcredit via email and phone in XXXX and XXXX to discuss my account details. After speaking with XXXX different people, including to a XXXX, they were unable to tell me the total amount of payments Ive made towards my outstanding balance. I know that I have paid well over the amount of the original balance. 
I would like for the remaining balance to be waived and my account to be closed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
For many years I have been trying to modify my original loan ( XXXX ), with a myriad of servicers. I am currently with Shellpoint Mortgage Services. My goal has always been to avoid foreclosure AND to pay the original loan amount. However, the loan has been in default for so long and was originally a no-doc interest only loan. Now the loan, which was originally $ XXXX is now at $ XXXX. Through the help of an attorney, I was finally able to get approved for a trial modification. Except, the amount of the payment is unaffordable and unreasonable. It is nearly {$7500.00} per month. The rep at Shellpoint gave me more details - that the maturity date is per the original, XXXX. And it is adjustable - raising interest points each year. Also that it is based on the original loan amount and the past due payments ( which would have only been interest anyway based on the loan type ). I spoke to the Illinois Attorney General Homeowner Help Line and they feel this is not a modification due to the 13 year maturity date. It should be modified to a 30 year loan. This might explain the high payment, but they sent me no back up figures - only a verbal conversation with the XXXX She basically said " you can afford it ''. Although I had a good sales year last year ( XXXX ) my average income is $ XXXX. They are basing this on XXXX year of income and a 13 year term. She also told me I could just refinance the loan with another lender - but the house is only worth XXXX - who would give me a XXXX mortgage for a XXXX house????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

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 2023-02-17 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: NJ

Complaint narrative:
I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2023-02-17 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: NJ

Complaint narrative:
I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i have not been to the residence thats on file as my address for a while due to school and work but once i went back and i was able to log into my XXXX account i saw XXXX american express accounts that i had not opened and they spent a large amount in my name and this has effected my credit score terribly i dont know how i could move foward due to it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
I took out a online loan with Uprova.com on XX/XX/XXXX due to my surmounting medical bills. They never disclosed the repayment amount to me during the time of the loan. Otherwise, I would have never agreed to pay {$4900.00} on a {$1200.00} loan which is usury even for XXXX XXXXXXXX XXXX. 
I spoke to XXXX from Uprova on XX/XX/XXXX. This is when I was made aware of how much I would owe them back. She directed me to the look at my loan agreement and that is when realized that I had been mislead into applying for a usury loan! 
Although, I can not prove it, I am adamant that I did not sign a contact stating that I agree to pay back such an absorbent amount. 
I did explain this to her to no avail. But, I am sure she was just doing her job. 
I let her know that I will be filing a complaint with the appropriate division to resolve this issue. 

Thank you so much for your time & assistance, 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 2023-02-17 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: GA

Complaint narrative:
According to the FCRA 1681i 5 A, any information that has been deleted from my credit report can not be reinserted unless the person who furnished the information certifies the information is complete and accurate. 
Equifax reinserted information that was previously deleted from my file that is inaccurate and incomplete and not consistent with the other XXXX major credit bureaus. This has resulted in my Equifax XXXX score gaining 100+ points then loosing those points, then gaining them again upon removal, then losing them again last month. 

Below are the accounts that they must remove from my credit file FOREVER! 

XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  GO ACCT # XXXX The above information was deleted from my file and reinserted. This is a violation of my rights under the FCRA to have a complete and accurate credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To whom it may concern, I am writing to dispute a collection account that was opened fraudulently in my name. I recently discovered this account on my credit report and have reason to believe that it was opened without my knowledge or consent. 

I have never applied for or authorized any account with the company in question, nor have I ever received any services or products from them. Therefore, I do not owe any debt to the company. 

Furthermore, I have taken all necessary steps to protect my personal information and have never shared my personal details or account information with anyone. I believe that this account was opened as a result of identity theft or fraudulent activity. 

I am requesting that the collection agency remove this account from my credit report and cease all collection efforts immediately. I also request that you provide me with written confirmation that this matter has been resolved and that the fraudulent account has been removed from my credit report. 

I am willing to provide any additional information or documentation that may be required to support my claim. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX I was mailed a bill for a property tax assessment from the year XXXX in error. I was also notified of a separate bill via email for a different amount, also in error. The first bill is for {$300.00} due on XX/XX/XXXX. The second bill ( which I only received notice of via email ) was for {$270.00} due on XX/XX/XXXX. I bought out this lease in XXXX of XXXX. All outstanding taxes and fees were paid in full at that time. 

I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX, and they have no record of these bills and assured me that they have been sent to me in error. They said if I had a tax assessment in my name, it would have come straight from XXXX XXXX and I would have an account number in order to look this information up. She also mentioned that they get these calls all the time and they have no account in my name with outstanding taxes due. 

When I called and spoke to a representative from Hyundai, they were also unable to give me any information regarding where these charges came from, how they were calculated, what my XXXX XXXX tax account number is, or why I have XXXX separate bills from XXXX years ago. When I log onto my XXXX account, there are no documents, statements, or any other information on where these charges came from either. They told me to *mail* a letter to XXXX in California requesting an abatement so they can do some research on the issue, and then wait XXXX business days before following up. There is not a direct phone number nor an email for me to reach out to and expedite the issue. The representative said she would email the department for me. 

I am not inclined to pay these bills and I would like them removed from my account as soon as possible. I no longer have an active lease account with Hyundai Motor Finance and should not be receiving any bills from this institution. Ive had issues with unexplained property tax assessments from XXXX in the past and the abatement process went nowhere. I ended up paying them taxes in a state I no longer lived in and hadnt lived in for over a year. I do not want these charges on my account to be sent to collections and affect my credit, nor do I want to give XXXX any more of my 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 2023-02-17 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: ARS National Services, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and someone used my personal information to obtain these fraudulent account in my name. I am requesting for ARS National Services affiliated with XXXX to remove and delete these fraudulent accounts immediately from my credit report.

!. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX I have included a copy of my police report and FTC Report for these fraudulent accounts to be remove and deleted immediately from all three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: MOHELA
State: CT

Complaint narrative:
It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX  I do not know who this account is. I did try calling XXXX XXXX, and they directed me to Mohela whom said I would have to speak with XXXX and could not assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NV

Complaint narrative:
I tried to resolve this matter on my own several times over the last year and they have not responded to me. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

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 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Syncrony has single handedly destroyed my credit. i had a pay pal mastercard from syncrony, disputed an obvious duplicate charge, two mos later i paid this card in full to a XXXX balance. this same day they did a chargeback of 150 and closed my account. i had never been late on a payment but i requested paper copies of all my statements when i paid off the balance, they were never sent of course and have tried several dozen times to contact syncrony but none of their cs reps can do anything with a closed acct, which now has a balance of 577 due to all the penalty fees they continue adding after it was closed. then they sent mye to collections and i was hopeful it would be resolved. The man investigated what i told him had happened and i got a letter from him to call but when i called the collection company yesterday i was informed they no longer could help me and said syncrony had recalled my debt due to error so i could contact them..it is impossible to speak to anyone who has any knowledge or authority at syncrony,. every phone call is an hour long and all they do is give u a different phone number to call and same person answers. this morning i got XXXX  notification they are now reporting a new delinquent acct on my report. im very upset. this is the only company i have issues with and every acct i have with them is terribly wrong

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 2023-02-17 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Bankruptcy Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation