vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
On XX/XX/22, I contacted HSBC credit card to dispute a charge of {$140.00} to XXXX XXXX. 

On XX/XX/22, I called to follow up on the dispute and was advised to email their dispute department with the details of the dispute and reference case id : XXXX. I emailed the information. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I received a correspondence from the company asking me to hire a professional beautician to write a letter to attest to my dispute. 

On XX/XX/22, I provided the company with a letter from the professional. 

On XX/XX/22, I called to follow up on the information that was provided. I was blind transferred to the dispute department and was on hold for over 1 hour. I called back and was advised that they didn't have any knowledge of the letter that I sent in. I had to pay {$25.00} for my beautician to write the letter for me. 

This company is so unprofessional. I had a prior dispute that they didn't send any correspondence in the mail until after 60 days. 

I need my money refunded back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Hello I have several inquiries from XXXX that dnt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MD

Complaint narrative:
In XX/XX/XXXX, I registered my car in Maryland where I moved to from Alabama. Hyundai Motor Finance never sent my title to Maryland. Fast forward to XX/XX/XXXX when XXXX buyout my lease because I am tired of dealing with their company. The first check that my bank sent them, they lost. The second check finally was obtained and the buyout was completed. They signed the Alabama title in XX/XX/XXXX and sent it to me. I took the title to a third part tag and title business to get a new title without HMF on it and was told I needed them to sign the Maryland title before they could. So the Maryland title was sent to XXXX in XX/XX/XXXX. HMF " can not find it ''. I had called multiple times to recheck the status and told the same. They can't find it and they will escalate the issue. No word back. So I apply for a duplicate title from the Maryland XXXX and it is sent to HMF to sign. It was send on XX/XX/XXXX and it is now XX/XX/XXXX and they can not find the duplicate title. I have been escalated and told the same from each customer service rep that " the titles department doesn't have a phone number to contact anyone, only email ''. I can't be CC 'd on any emails per their policy. I have to wait and keep calling to see if they can find it. This title is never being found and I am stuck waiting and calling to be told the same over and over again. They have no financial interest in this car and can not find and simply release the correct title. My current financing is through XXXX and they need a copy of the title and so do I WITHOUT HMF on it.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
FRCA Violation credit card WELLS FARGO CARD SERVICE FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections  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 2022-04-08 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: C/C Financial
State: PA

Complaint narrative:
Account Shows Late/Charge off. This account was never late. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/2020 my husband died of XXXX and I was named as the successor for the house. I have tried for almost two years to work out a loan modification with Mr. Cooper Mortgage. I have been treated very unfairly in this whole process, meanwhile my default payment is nearly 30,000 and the system will not allow me make payments and my modication has been denied for no ownership interest. 

That is untrue, I am the surviving spouse and living in the house. I am very afraid of losing my home even though this is an FHA backed loan, the bank has still not complied with the law which affords me the right to modifcation. 

Please help me in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXXXXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.

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 2022-04-08 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: NC

Complaint narrative:
I was billed for a broken rental agreement in the amount of XXXX that had been passed to a debt collector in XXXX. They stated I owed XXXX XXXX XXXX the amount above. I was unaware of the transaction and contacted XXXX XXXX XXXX who said they had my information on file for a rental property from XXXX. I informed them i never spoke with them and did not agree to a lease, i was told to contact the debt collector. I then tried to settle the debt paying off XXXX on a payment plan in XXXX and in the mean time informed them of the problem but gave up. I now currently am trying to move and because of the issue i can not rent from any properties. I have recently filed a dispute with transunion, The debt collector, who has suggested i should create a fraud case and provide information to the ftc.gov website.

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 2022-04-08 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: TX

Complaint narrative:
I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX XXXX XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY 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 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Comerica
State: LA

Complaint narrative:
For the last four months my child 's ssi check has been cashed by someone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reported to TransUnion 5 months ago there is a name on my credit report that is not mine and has bee added by mistake. The name is " XXXX XXXX XXXX '' I am not aware of who this person. This name " XXXX XXXX XXXX '' is should not be associated with my credit report. 

I have reported numerous times to TransUnion and ask them to remove it. Each time TransUnion stated it would be removed, but every time I view my report, this name " XXXX XXXX XXXX '' still listed. 

I need your assistance to get this name off of 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 non-monetary relief
Consumer complaint received 2022-04-08 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX FRCA Violation loans XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: World Acceptance Corporation
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX FRCA Violation loans XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc.
State: FL

Complaint narrative:
I received an Email and then a phone call from Everest Receivable Services indicating that I owe {$890.00} for a XXXX XXXX XXXX account , an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At one point, I recall getting a notice regarding XXXX a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; Everest Receivable Services. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!

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 2022-04-08 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Chronological timeline of events : * On XX/XX/XXXX I logged on to the mortgage company 's website ( https : //www.truist.com/ ) and made my monthly payment of {XXXX}. 

* On XX/XX/XXXX, I received a call from the mortgage company stating they were attempting to collect a debt for a non-payment in XXXX. I now see that there is no record of this payment being debited from my checking account history. 

* The mortgage company noted on the call that they have a record of me logging in and making the payment on that date, but that it did not go through. They were not able to tell the reason that it didn't go through. 

* The mortgage company also noted that they have been having issues with their payments system since the merger with Suntrust bank ( where we made payments prior to XX/XX/XXXX ). 

* The mortgage company lastly noted that they reported a 30 day delinquent account to the credit bureaus on XX/XX/XXXX. 

* I'm in the process of purchasing a business and the negative credit mark will cause me tremendous financial harm. 

* Until the situation has been resolved, I will no longer make any mortgage payments to Truist. All payments going forward will be held in escrow by my attorney.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {XXXX} / XX/XX/2022

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
my credit card company citi bank closed my account cause of 3 returned payments i never missed a payment and never signed up for autopay i asked them to review and they still didn't reopen my account. I've never missed a payment in my life with any account. I've submitted my 3 bureau credit report which you will see I've never missed a payment in the history of any account and I've included the pact 6 statements from citi where you will see I've made a payment and never missed anything

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 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My leased XXXX was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to XXXX XXXX on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX deposited the full Total Loss Buyout in the amount of {$22000.00}. 

XXXX XXXX has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

XXXX XXXX has been paid in full and the current amount due is {$0.00}. 

I have tried disputing this on my own but XXXX refuses to verify with the credit reporting agencies that the account has been satisfied.

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Several times now PNC bank has charged NSF fees with a positive balance. When I call them they have no explanation why it happened. Furthermore, just this past week they submitted checks thru after business hours but before midnight and checks were being set up to post and bounce. I ran to the bank put cash in and they still tried to charge me the fee even though my balance was in the positive. I am constantly watching my account now for all of these extra charges, fees, and late night submissions after their business hours. Almost every time a rep can not explain why it's happening and removes the fees. Problem is loan providers do not want to see fee and charge refunds even if it is the banks fault. This has never been a problem with PNC for the XXXX our personal and business accts have been with them. The last XXXX there is a constant issue with my account and I am constantly asking for a XXXX to try and make sense. They usually just apologize for the mistake and move on. It's like they know this is a problem but not sure how they can address other than refund the issue and perfusly apologize. I am on the verge of closing and moving accts to another bank for our personal and professional needs.

Company response to consumer: Closed with explanation