vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a payment to flag-star Bank in the amount of XXXX through XXXX online bill pay. After flagstar received my payment on XX/XX/XXXX and posted it to my account they reversed the payment on XX/XX/XXXX. However they have not returned my money to me or XXXX. After several investigations with Flagstar bank and sending them proof of funds and several other documents. They refuse to return my money stating they dont have it. However they can not provide me or my bank with a federal trace number showing the funds returned. They keep referring me back to XXXX. XXXX has sent them proof of payment with federal trace numbers yet they still refuse to refund or credit my account for money received.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX and I kindly request that you address it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
My name is XXXX XXXX My address in XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX My Apple Credit Card issued thru Goldman Sachs was restricted and no follow up from company has been received. I spoke with Apple Card support and they gave me no reasoning why my account was restricted. They also have not returned my call or offered any solution for this issue. 
I have had this account open for over 2 years never missed a payment, I am a great customer and this is how they choose to treat a loyal client. 
I would kindly like to ask that my account be unrestricted and charging privileges reinstated. 
This is my favorite credit card and I would love to be able to start using it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX LUXURY MOTOR XX/XX/XXXX XXXX CREDIT/LUXURY MOTO XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX TD RETAIL CARD SERVICE XX/XX/XXXX XXXX XX/XX/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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I opened an American Express Delta Platinum card earlier this year and they have not sent the XXXX  mile sign up bonus, nor any miles from my purchases to my Delta SkyMiles account. I have spoken with both Delta and AmEx multiple times over the past month to confirm that they have my correct SkyMiles account. The last conversation I had with AmEx yesterday, they saw that none of my miles had been sent and werent able to tell me why. They opened a case but said it would be over a month until I heard back. There are flights I have been waiting to purchase that have gone up by multiple hundreds of dollars/multiple thousands of points while waiting for my points to come through so this has cost me significantly from a financial standpoint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: MI

Complaint narrative:
I received a credit inquiry report from XXXX XXXX. I checked it and it was not something I was aware of and not authorized anyone to do. I called Experian to remove the inquiry, and called XXXX XXXX to alert them that fraud was committed.

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 2023-06-01 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 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 2023-06-01 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: VA

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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
I have several hard inquiries on my credit report from XXXX that are not authorized and are fraudulent and would like to report and also have them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with XXXX XXXX XXXX ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with XXXX XXXX XXXX ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Around 10 years ago I became deliquescent on multiple credit card accounts. So of course they appeared on my credit report. 
Fast forward to 2020, now when I checked my credit report ( all three ) there is no record of any of the delinquent accounts. I have paid 3 of them off and there is no record. 
I am making a compliant about Experian, I have contacted this company multiple time trying to correct the information that they have on my report. I have tried to contact them on the phone but I can't seem to get a hold of a live agent. 
I have sent them my dispute information and documentation to prove who I am and the correct information. All they keep doing is sending me the same report back. 
I informed them that they have very old information about me. They have incorrect information about me ( address, spouse name, social security number, and miss information. ) I still have not been contacted nor have they corrected this information. I have been trying now for 2 years to resolve this issue and I still can't seem to get a hold of them. 
I was involved in a data breach with XXXX and XXXX has no information about any of my credit card debt or my hard work in paying them off. This is important because it affects my credit score. I even received correspondence from Experian saying that I no longer have a credit score. I am so very confused with all of this. And it is a very big issues since most companies and employers rely on the 3 credit bureaus for information. I don't know what to do.

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 2023-06-01 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This was open fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: AZ

Complaint narrative:
I got this line of credit on XX/XX/XXXX. I call and spoke with a representative because the had my payment date wrong. The representative said he/ she fix it. I have made my payments on time every time : payment dates as follows : XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and the last payment made on XX/XX/XXXX of XXXX... They are saying I had a return ach payment. Never have I had a return payment. They are saying it was saying it was XX/XX/XXXX. This is not correct neverrrr had a notice from my bank. XXXX I stopped XXXX. Because I like to pay on my own. And I pay in advance. They have charged me and absorbent amount in interest and saying I'm 72 days pass due. One point being how can I continue to withdraw from this account if I'm pass due. Which you can clearly see I'm not. This companies payment system is all screwed up. Furthermore I have never received a contract with what my interest rate is. All I was told in the beginning that there is a fee biweekly which I'm assuming is the interest of what they charge. I also asked my rate several times never has anyone been able to answer my questions. I want this account closed and also my account to reflect always on time with no additional interest. You can pull the calls as they say calls are monitored. I work for a bank and all of this is a violate of TILA.. I don't even have an account number because their website is very vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc.
State: TX

Complaint narrative:
Zillow Home Loans during their application process pre-approved me for {$450000.00} with a soft pull and I was hoping to get a letter of pre-approval from them as per their site. 

They then asked details and I furnished it. 

a ) They did not issue me pre-approval letter as per the site approval amount and this needs to be issued to me. 
b ) They did a hard pull on my credit file without my consent on XXXX XX/XX/2023 and this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX my wife and I were talked into purchasing a solar panel system from XXXX XXXX XXXX. We resisted but were finally convinced by the argument that we would be able to pay the financing fees from the money saved on our electrical bill. This very soon proved to be false and in XXXX XXXX  XXXX we made a complaint to the Division of Consumer Affairs, Tennessee. We strongly requested that the solar panels and associated equipment be re-possessed and all monies paid by XXXX returned to them. Didn't happen. 
In XXXX XXXX  XXXX we were informed by the DCA that XXXX XXXX was put under receivership by the states of Tennessee and Kentucky due many complaints like ours. We repeated our request for the equipment to be re-possessed and informed XXXX of this. Still didn't happen. 
XXXX are now chasing me for payments on the loan, calling me with threats of damage to my credit. 
We can not afford both the electric bill and financing payments as we are XXXX  living on social security. I have spoken with XXXX telling them that they are very welcome to send a technician to remove and re-possess the equipment.

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 2023-06-01 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:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2023-06-01 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: GA

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company response to consumer: Closed with non-monetary relief