vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: Westlake Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX late payment Was turned into my credit report I was told NOT TO PAY because BYTE was not going to be able to provide services to me. So it was on hold for 2 months. They did not notify the debt collector ( XXXX portfoilio management ) and now I have 2 late payments. 

In XX/XX/2023 XXXX reached out to XXXX to tell them it is their fault that I was late. XXXX still has not taken this off my credit report.

It was not my fault I was late, I owe them nothing No late fees No missed payments All the rest of the year. 

I want it taken off my credit report! I have the emails from BYTE, proving they have admitted fault and they are trying to fix it. Yet here I sit with a bad credit because of BYTE AND XXXX. Very very angry! I want it fixed!

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 2023-11-30 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: NC

Complaint narrative:
On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. Car sold account balance paid in full 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was called 3 times today I have been a called everyday repeated and a lady answered and threatened to track me down and make my life hard until I pay them. I dont feel safe Im worried and Im being harassed to the point where I feel major XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-30 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I do not recognize the credit inquiry from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 and I have asked for it to be removed but they did not remove it. I am providing an identity theft report attached and I am requesting for it to be removed because it is inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/LOWES card was opened under my name on XX/XX/2023 for {$1200.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYBANK/VICTORIA card was opened under my name on XX/XX/2023 for {$380.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the past 9 months, I have been sending dispute letters to this company however, for every dispute letter that I've mailed to them I sent as certified mail for tracking information. However, every time the dispute letters have been delivered I keep receiving an email from them stating that they received my dispute letters but does not believe it was sent by me. However, all of my letters were sent with the appropriate verification documents required by the law. Additionally, every time I call them regarding the email and to verify the letters for a dispute, the representative tells me that once their system flag the documents for this reason they discard the letters so I will not be able to submit them for a dispute once this happens. I've also called and submitted a complaint with a representative over the phone and this issue still occurs.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The equifax information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/23 prior to sending my request for credit with One Main Credit Co I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from One Main Credit on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am late on my payment due to unforeseen life circumstances and I called to defer my payment so I can get current again. They agreed but said there would be a XXXX XXXXXXXX interest fee to do so. Then he ( XXXX XXXX put me on hold and came back and said he got it reduced to {$400.00} and that it would stay open for a week or so then go away. He said this is based on my days late and that I should agree not to lock in the {$400.00} over the {$900.00} because if not it will go up. I asked if this was a fee or interest, he said a fee, but its interest. He made no sense and could not explain it in a way that did, and if the deferment would be in place or not. He said they agree to the deferment and it will stay open until I pay the fee. I told him it cant be a fee AND be interest so is the FEE being applied to interest and he could not answer. I asked for a supervisor that could explain this to me better because I was not understanding this. He then transfered me to XXXX XXXX and she could not explain it either. I requested something in writing that explains this and what I would be agreeing to and she put me on another long hold and came back with nothing and said she would transfer me to someone that could explain it. I said thats what the last guy was supposed to do, and asked if she was a supervisor, which is what I requested and she said she was not. So they basically wanted to just keep transferring me around to reps until I just accept this term that makes no sense or give up. I asked for a supervisor and she said she has to put in a request which I had her do and I have to wait for them to call me back. I asked her how long and she said a few hours to a few days, they were all busy helping other people. I have had MANY auto loans and I have NEVER had this kind of FEE/Interest charged when deferring payments. This seems very high pressure and a sketchy way for them to rip people off that are already falling on struggling times trying to keep up. Someone please let me know if this is legit. Because of this they said my 30 day credit will take a hit, they really have no sense of urgency to assist clients, I expected FAR better service from Mercedes Benz, let alone service that seems very sketchy combining Fees with interest, which I do not think you can LEGALLY do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX I called capital one to ask them to close my account. I asked for the pay off. The agent advised they would apply the {$400.00} I paid to start the account and that would leave. {$270.00} Which I paid online confirmation code XXXX. Then next month I receive a letter from capital one which I ignored because I thought it was sent after I paid and closed my account. Maybe XXXX months are so go by I receive a bill. I immediately called and the representative stated that the previous representative did not give me the correct pay off and that there was a {$3.00} interest charge that was not included in the amount the previous representative advised and late fee for not paying the {$3.00}. I advised the account is closed and that I called to close. Mind you their calls are recorded and I would like them pulled for court. Multiple times they dropped the ball and continue to report to the credit bureau and now say I owe almost {$200.00} in fees and penalties for an account that I closed. The last time I called the representative advised he would wave the fees and close the account. That was probably around XXXX. We are now in XXXX and they have continued to charge when this account was paid in full supposed to be closed and when they made a mistake and only showed like {$14.00} in fees they advised again they would wave the fee and close the account. To this day they are charging me fees and interest when I don't owe anything and still have not I closed this account. I don't owe them anything and this has hurt my credit for almost a year. They have messed with my lively hood and should be held responsible for what they have done. I would like to press charges but the police stated it would be a civil matter so I am starting here before contacting a lawyer on what to do against this multimillion dollar company that is trying to XXXX and discredit me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: VA

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding my credit report. I believe there are inaccuracies, specifically in relation to rental history information provided by CoreLogic. These inaccuracies are impeding my ability to secure housing, and I kindly request your assistance in investigating and correcting this matter promptly.

I have thoroughly reviewed my credit report, and I have identified discrepancies in the rental history section provided by CoreLogic. The information appears to be false and is adversely affecting my ability to secure housing. I understand that, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

I am requesting that the CFPB investigate this matter and work towards the swift correction or removal of the inaccurate rental history information associated with my credit report. I believe this action is essential for me to exercise my right to fair and accurate credit reporting as outlined by the FCRA. 

Enclosed with this letter, please find supporting documentation, including copies of my credit report highlighting the inaccuracies in question. I am willing to provide any additional information required to facilitate a thorough investigation into this matter. 

I appreciate your attention to this issue and your assistance in resolving it. Please inform me of the steps taken and the progress of the investigation.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in XXXX The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
Please refer to documentation/attachments that are included in this email and update my account to reflect the funds that was sent by me in the amount of {$2500.00} for XXXX and XXXX those funds was never sent back nor applied to my account The only funds that was applied to my account was from the Delaware XXXX XXXX XXXX XXXX XXXX XXXX program which covered up until XXXX ( please refer to attached documentation ) of this year in which then the non returned payment from me in the amount of {$2500.00} should have been applied. Please update my account to reflect XXXX of {$630.00} to be made by me in XXXX of 2024 which is what will be left after XXXX & XXXX is paid out of that {$2500.00}. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an AMEX gift card, which is worth {$290.00} as reimbursement to cover some of my guarantor fees paid for renting a room. However, I find I can't use the card online. The remaining balance exceeds the payment amount, and I even tried multiple times to make a smaller amount of payment, but all the attempts failed. 

AMEX made deceptive advertising that said you can use these cards ANYWHERE that takes AMEX. The website I was trying to use the card does accept AMEX gift cards ( I contacted customer support to confirm and they said they had no idea why these transactions were declined and asked me to contact AMEX 's customer support ) I contacted AMEX customer service several times and they can not offer me any resolution. They can not tell me why the transaction was declined, they can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. The customer service simply does not provide any meaningful help or guidance to help customers fix this issue, after AMEX enticed customers to get their gift card by making the misleading and deception claim " it can be used anywhere that takes AMEX '' They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. Even in the case where I tried to use less than 25 % of the remaining balance, the transaction was still declined. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

There is just no way for me to use their cards. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please find attached the relevant documents. I urge the bureau to commence an investigation into accounts where I am consistently punctual but are erroneously marked as late.

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