vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit 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: FL

Complaint narrative:
On XX/XX/XXXX Placed order for XXXX XXXX XXXX XXXX for a Total of {$75.00}. On XX/XX/XXXX received message from amazon that they were unable to delivery the item to me. I placed a second order for the same item and requested a refund for the first order. 
On XX/XX/XXXX chat with amazon customer service agent to request the refund, the customer service agent said that I will receive the refund and a confirmation email in the next 3 to 5 business days. After many days that I did not received the refund I called several times and they always said that I will received. Because I never received the credit I disputed the purchased to Synchrony Bank, spoke few times with Synchrony Bank and submitted few times all the information and respond two times when they give 10 days to answer. Until today XXXX I have not received the credit from amazon or Synchrony Bank Credit Card. See attached correspondence with Synchrony Bank and US Postal receipt for sending the information they requested.

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 2024-01-25 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:
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. 

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
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft report was filed as a result of finding inaccurate information on credit report file. All credit bureaus ( TransUnion, XXXX, and XXXX ) were contacted in regards to removing all inaccurate information off of credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : NOWCOM/ WESTLAKE FINANCE Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to 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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I set up a TD Bank checking account in my former state and then moved to a new state where there are no TD Bank branches. I have called for months now to close my account with TD Bank, however, they continue to charge overdraft fees, maintenance, fees, and paper statement fees. There has been no purchase to overdraft the account, only TD bank fees. TD Bank was charged with illegally collecting overdraft and maintenance fees in 2020 and was charged by the consumer finance protection bureau, which resulted in them paying millions of dollars in compensation to those affected. They are now saying they only have one record of me calling to cancel the account, and that no action was taken after that point. I have spoken to them on three separate occasions on which they have refunded a portion of the fees but refused to refund the net positive balance of {$33.00} to my account which they claim I would need to go to a branch to do and then close the account from there. In the state I live there are no TD Bank branches and I have told them this many times. They refused to help and continue to charge fraudulent fees. On my last call, the representative XXXX ( call time XXXX CT XXXX ) told me that she would not refund my account if I was to contact the consumer finance protection bureau about the matter. She then got very snippy with me and told me my only options were for her to refund {$50.00} of fees but she would need to close the account that day. I told her this was not OK and again told her the history of the account to which she said she could either refund the {$50.00} or I could contact the consumer finance protection bureau. I then asked her if she was aware of my right as a consumer to report this behavior and that it does not hinge on my request that TD bank not charge fraudulent fees to my account and assist me in closing the account. She was essentially giving me a choice to forfeit my money which TD Bank has taken by refusing to close my account and continuing to charge overdraft, maintenance, and paper statement, fees, despite months of records of me, calling, and asking them to cancel my account. I feel like I am in a catch 22 and a big bank is trying to bully me Into forfeiting the money that was left in my account and also not having me reach out to let the consumer finance protection bureau know that they are demonstrating the same behavior again. I asked that you look into this to the fullest extent that you can, and am asking for your help. Every time I call they continue to go over the language of their account and state that I owe them this money, and that they are doing me a courtesy by refunding a portion of the maintenance fees. My response has always been the same. They are talking about an account which should have been closed months ago and which they continue to charge fees to. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COMMERCE BANK
State: IL

Complaint narrative:
This new complaint against the Commerce Bank is related to the on-going complaint case no. XXXX. Some fraudulent activities keep occurring inside the Commerce Bank. 

On XXXX XXXX XXXXXX/XX/year> ( Wednesday ), somebody from the Commerce Bank has made an illegal balance transfer of {$500.00} dollars from the complainer 's credit card account of ending no. XXXX. ( Please see the attached balance-transfer 's onscreen image to this complaint filing ). 

The attempt of making this balance transfer on XX/XX/XXXX was made without an authorization from the credit card holder. This is absolutely illegal for Commerce Bank to have allowed it to happen and is creating big loss on the complainer 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to 605B, it is essential to swiftly remove this account. I am genuinely displeased that it has been included in my credit record, hence I kindly plead with you to erase this account, as it is 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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
XX/XX/XXXX Credit Karma money froze my account. I have over {$700.00} in that account. I cant access my money. Ive emailed, chatted, and called-to no avail. Only to be told it will be 7-10 days. It has well exceeded that time frame. No one will transfer me to the higher dept investigating my account. I had to change my payroll deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 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:
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 Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or 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 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They are mistaken me for a d/b/a putting XXXXXXXX XXXX and XXXX XXXX on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX Florida Im in Texas so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from XXXX who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall letttinf someone max me out but give me a hard time about my own.

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 2024-01-25 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: MI

Complaint narrative:
I am requesting that the bureaus provide proof of my consent or verification of where I gave permission for the credit bureaus to report my bankruptcy. My county clerk office has verified with me that they do not report individuals case filling data to credit reporting agencies, nor do they update information directly to the credit bureaus. I would like a copy of this consent or verification.

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 2024-01-25 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: MI

Complaint narrative:
I am requesting that the bureaus provide proof of my consent or verification of where I gave permission for the credit bureaus to report my bankruptcy. My county clerk office has verified with me that they do not report individuals case filling data to credit reporting agencies, nor do they update information directly to the credit bureaus. I would like a copy of this consent or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
We have called the Kia Leasing Department several times to request this form and we have been very specific that it needs to have the DO NOT MAIL water mark on the form. The Illinois Secretary of State requires this water mark as proof that sales taxes have been paid so the car can be retitled in our name and that we can properly register and plate the car. We purchased this car on XX/XX/XXXX and as of XX/XX/XXXX we have not received the appropriate form in spite of numerous requests on our part. As a result, we can not retitle the car and can not update registration and get new plates. No one from KIA seems to know how to resolve this and every time we call we have to start from square one and deal with a different person. We have spent hours on hold, have been hung up on, lied to and we have escalated to supervisors on 3 separate occasions without resolution. Since KIA has leased and sold cars in Illinois for as long as I can remember, I find it unbelievable that they do not have a documented process that they follow. It should not be on the consumer to follow up to get the proper documentation. We met our contractual agreement to lease and purchase the car and we expect the same from KIA. A buyout at the end of a lease should be a core business process and the level of incompetence and apathy we have experienced is stunning.

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 2024-01-25 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 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 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 2024-01-26 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
This is a follow up of complaint XXXX which was prematurely closed. 

Caliber Home Loans, now operating under the guise of XXXX, STOLE my money. 

After NUMEROUS problems with Caliber claiming to have not received payment and charging late fees, I paid off this mortgage in full as previously proven. 

I have now included complete copies of account statements proving that my check was accepted by Caliber Home LoansXXXX. These funds were never returned despite the loan had already been paid in full. 

The theives at Caliber Home LoansXXXX continue to fail at honesty and integrity, having failed to respond to all 5 of my inquiries of which I have already submitted evidence of, and is liable to return the full amount owed to me of {$1100.00} plus {$500.00} research fee and at 35 % interest for a grand total of {$2200.00}. 

Failure to do so within 7 business days from today will cause Caliber Home LoansXXXX to feel the full weight legal action in which Caliber Home LoansXXXX will be fully responsible for all legal fees as well as what is owed to me, and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I sent a insurance check in for endorsement on XX/XX/XXXX iao XXXX with a next day XXXX  shipping label. The insurance portal states this should have been a sign and go transaction, however it's now eod on XX/XX/XXXX and I still can not get a definitive status on returning check. I was told several versions that the supervisor had escalated and was resolving issue and the XXXX was improperly tagged to a old XXXX claim. My roof remains open taking on additional weather damages and contractors have been pushed back continously due to Shellpoint Mtg Servicing Loss Draft Department delays. 
Loan ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I can not get any credit in my name. Because my credit don't excites.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, by chance I browsed spam email in my XXXX account and found collection notification for following account XXXX Account # : XXXX Creditor : XXXX XXXX  Creditor 's Account # : XXXX Balance Due : {$250.00} I requested all the details regarding this collection. I believe that I don't own anything to XXXX XXXX. On XXXX XXXX I got Solar panel installed at my home. XXXX XXXX had no solar buy back plans and their meter reading calculation was not factoring-in any usage offset by locally generated electricity by solar plan. I contacted the XXXX XXXX representative multiple times and they had no support and answer for how to offset solar generated power, XXXX XXXX  meter reading was not accurate. Because of faulty reading I was charged wrong. I had no choice but to opt for a solar buy back plan. 
I request XXXX to go share and go through all the voice, email and chat transcripts from XXXXXXXX XXXX on our interaction on above transition. 
I raised concern to XXXX through their website as well as over phone. On XX/XX/XXXX I got response but explaianation on interaction with XXXX and lack of proper Solar buy back plan I believe the request from XXXX XXXX and XXXX is neither accurate nor ethical. All of us including XXXX XXXX  should support XXXX initiatives which is the most important agenda for the human race. XXXX XXXX  should have offered me solar buy back plan or atleast adjusted locally produced power by Solar panels. 

Kindly consider this as an formal dispute request and share all the information requested here. 
XXXX. XXXX XXXX meter reading specifications XXXX. How XXXX XXXX XXXXeading offset solar panel locally generated units XXXX. Why no solar buy back plan offered by XXXX XXXX  to continue customer service. 
4. Voice and email transcripts discussion with XXXX XXXX  XXXX, Why Discount is not responsible to support customers using solar panel and contribute towards greener planet Thanks, XXXX

Company response to consumer: Closed with explanation