vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am profoundly concerned and completely discontent with the developments in my credit report. Kindly remove any indications of late payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on these accounts. I earnestly seek your assistance in promptly updating this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I requested removal of the PMI charge from my monthly mortgage payment for my FHA loan. The value of my property has increased substantially. Based on the new market value and appraised value I now meet the 20 % requirement and requested early discharge of the PMI. In response, the mortgage company alleged I had a record of late payments. However, that response is not reflected on my monthly statements nor has any late payment been reported to the 3 major credit reporting companies. 


Nationstar Mortgage d/b/a Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A fraudulent credit account, XXXX XXXX XXXXXXXX, was opened in my name by Wells Fargo rep ( s ) in XXXXXXXX XXXX XXXX. Previously, I've never heard of or done business with this company. A XXXX search shows this company is located in XXXX, GA, I am nowhere near this location, living in Connecticut. Further, I have not received anything from this company, despite billed XXXX. Due to this account opening, I have been denied credit, my credit score impacted. When brought to attention of Wells Fargo, they replied in part by sending mediation request forms, which are filled out, sent in, marked as duplicate and refer to prior mediation regarding unauthorized deposit accounts ... .With regard to that mediation including tracking ID XXXX, I was offered a payment in amount of {$3.00}, XXXX plus estimated IRS taxes totalling {$5.00}, XXXX. Payment was never received, sent to an old address after I moved. It appears a third party intercepted check, cashed it in my name. Wells Fargo investigated matter, unable to recover funds, refused to reissue check despite their own error in sending to incorrect address. I requested proof of address verification, was provided with a document showing my signature agreeing to accept a payment in amount of {$500.00} from a XXXX XXXX, nothing to do with previously mentioned payment in amount of {$5100.00}. Wells Fargo continues to send mediation request forms, a total of nine or more have been filled out, an acknowledgement letter is received with tracking number, when I call number on letter, I am told all efforts exhausted, call disconnected. Needless to say these forms are a mere runaround, when exposed as such, Wells Fargo marks complaint as duplicate. There is mention of mediation payments including amounts of {$17.00}, {$50.00}, {$400.00}, none of which received, do not cover losses/damages by accounts mentioned above. In closing, Wells Fsrgo has been fined by CFPB for handling of accounts mentioned here, the amount of XXXX XXXX, has little to no credibility

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 2024-01-30 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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

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 2024-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Communicated with the consumer in prohibited manner Used harassing, abusive, unfair, deceptive collection practices prohibited by the FDCPA including false representation and deceptive means to collect or attempt to collect a debt or to obtain information about consumer Furnishing Certain Deceptive Forms No one may design, compile, or furnish any form that creates the false impression that someone other than the creditor ( for example, a debt collector ) is participating in the collection of a debt.

Threatened specifically in writing to accept the offer to settle alleged debt to stop harassing phone calls.

Original creditor sold information to three third party agencies to collect alleged debt which is in violation of FDCPA fair practice act in addition to harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
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: NY

Complaint narrative:
I am writing to file a formal complaint against KIA Finance for their gross negligence and repeated failures in handling my vehicle registration transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since XX/XX/2023, I have faced numerous roadblocks due to their incompetence, jeopardizing my compliance with legal requirements and causing significant financial hardship. 
The Issues : Incorrect Titling Address : Despite repeatedly clarifying that the title 's garaging address XXXX XXXX XXXX  differs from the mailing address XXXX XXXX XXXX KIA Finance continues to send the title with the incorrect address. This critical error prevents me from registering my vehicle in XXXX, where I have resided for nearly XXXX months. 
State Requirement Violation : New York law mandates vehicle registration within 30 days of establishing residency. Due to KIA Finance 's persistent errors, I risk exceeding this legal timeframe and incurring potential penalties.

Inadequate Customer Support : Despite assigning an Executive Customer Support representative in XX/XX/2023, communication remains abysmal. My attempts are met with lengthy response delays, conflicting information from lower-level support, and a complete lack of proactive updates on the title 's status. The last contact, in XX/XX/2023, was only achieved after directly involving the representative in a call with the MA  RMV to expose their consistent form submission errors. Since then, I have received no further communication despite repeated attempts. 
Financial Burden : KIA initially acknowledged their responsibility by covering the cost of re-registering the car in MA in XX/XX/2023. However, after this call with the MA RMV confirming their incorrect form submissions, they inexplicably retracted their admission of fault and refused to reimburse the resulting insurance overages I incurred.

My Request : I urge your immediate intervention to resolve this frustrating and costly situation. I request the following : Expedited Address Correction : KIA Finance must submit a corrected form to the MA RMV reflecting the accurate garaging address ( MA ) and mailing address ( NY ).

Investigation and Corrective Action : Conduct a thorough investigation into the repeated titling address errors and implement robust measures to prevent future occurrences.

Improved Communication : Facilitate effective communication with KIA Finance, mandating regular updates on the title 's progress and establishing a definitive timeline for its arrival.

Reimbursement : KIA Finance must honor their initial acknowledgment of culpability and reimburse me for the insurance overages they caused due to their negligence.

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 2024-01-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
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 XXXXXX/XX/XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: CT

Complaint narrative:
XX/XX/24 Received some sort of communication regarding a debt that just shows a reference number, partial account number, an amount of XXXX. No information pertaining to what this debt is regarding and no information on the original creditor.

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 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened and financed a major transaction with Lowes via Synchrony bank. 
The terms and conditions initially called for 18 months of no interest. 
The bank changed the terms and instead assessed compounded interest charge of over {$500.00} to the account on the XX/XX/2024 statement. 
I am requesting that the company, in good faith, reverse the compounded interest fee. I will in turn then pay off the rest of my balance and proceed to terminate my relatioship with this institution.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: MI

Complaint narrative:
XXXX XXXX : Since XX/XX/XXXX, I have been receiving unsolicited emails from Chime, urging me to link my bank account and activate a card. I affirm that I have never initiated any account opening process with Chime, nor have I received any email confirmation regarding such an account creation using my identity. I found in one of the emails that they sent a card to an address which I lived back in 2016. 

Attempts to Resolve : In an attempt to address this issue, I contacted Chime 's customer support but faced significant challenges : Inaccessible Human Support : I was trapped in an automated call menu for over 30 minutes, with no option to speak to a human representative or to report my specific issue. 
Mandatory App Use : The automated system directed me to use their app for further assistance. However, upon downloading the app and resetting the password, I was unable to initiate a chat as advised. 
Unnecessary Personal Information Requests : The app requested that I upload a photo of my driver 's license and take a selfie before allowing any form of communication, which I find intrusive and irrelevant to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/2024and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : 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

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 2024-01-30 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: TX

Complaint narrative:
I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/2024 and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my dissatisfaction regarding fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) and XXXX XXXX ( Account : XXXX ) were opened without my consent, causing financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We secured a loan from XXXX XXXX for the purpose of renovating our pool, having been approved for a loan amount of {$75000.00}. Subsequently, we initiated the remodeling project. Unfortunately, our experience with the pool company engaged for the work proved to be highly unsatisfactory, leading to ongoing litigation due to their subpar craftsmanship and failure to fulfill their contractual obligations. 

Despite consistently making payments for a {$75000.00} loan to XXXX XXXX over the past 12 months, it has come to our attention that only approximately {$18000.00} has been disbursed for the renovation project. This disparity raises concerns, particularly as our payments have consistently reflected the full loan amount. 

Upon seeking the release of the remaining funds, which our credit line has been approved for and shows up under our credit report, we encountered an unexpected obstacle. XXXX XXXX insisted on obtaining permission from the pool company involved in the ongoing lawsuit before releasing the remaining funds. This stance appears both unreasonable and ethically questionable, given that the loan is in our name and the adverse circumstances with the pool company. 

We request a prompt and fair resolution to this matter, as the current situation is causing undue financial strain and hindering the completion of the renovation project as initially intended. Your attention to this issue is appreciated.

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 2024-01-30 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: Experian Information Solutions 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. XXXXThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so.

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account without any notice or reach out. 2 weeks after closure and after notifying me that they would not accept any direct deposits to the closed account, a direct deposit that wasnt able to be changed was sent from my payroll provider to the closed account and accepted by Bank of America. They have refused to provide access to these funds and have provided no resolution on how to get these funds outside of telling me to wait 30 business days to receive a cashiers check in the mail 5-10 business days later to get access to my own funds that they illegally accepted after closure of my account.

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 2024-01-30 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: IL

Complaint narrative:
Kindly remove this account as it doesn't belong to me, and I'm distressed to find it on my credit report. I'm disappointed with the company for putting me through this, and I urgently request the removal of this entry from my credit report. It's definitely not my account!

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 2024-01-30 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: Alorica Inc.
State: VA

Complaint narrative:
SST/XXXX Placed a collections status on my credit report ( account number XXXX ) on XXXX without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
I opened an account on XX/XX/XXXX and deposited roughly XXXX in my account of checks to set up all my account access. But when the debit card came I tried activating it they said I need to call to verify myself. so i called and they said they needed me to come in to a branch with documents and id. but i was out of country for a while so I couldn't make it to a branch so account stayed closed So when I came back to usa I went into the branch and was told that they shut the account after 30 days and they would try to get the account back open. we verified all my documents and all my ID that they needed, and I still haven't heard back and haven't gotten my XXXX dollars back and have no clue what to do from here

Company response to consumer: Closed with monetary relief