vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account name and number 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 had 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 : States consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS ( XXXXXXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$640.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Motolease, LLC
State: TX

Complaint narrative:
In XXXX of XXXX, I took out a lease on a XXXX XXXX. 

This account has been on automatic payments without fail. Moto Lease removed the automatic payment feature when the loan was " paid in full. '' XXXX of XXXX, I receive a notification that my credit report shows a delinquency. I found the error to be MotoLease. I called Moto. Moto stated that there was a balloon payment and they only accept cashiers checks. This was NOT conveyed to me and I never received a bill after the account was " paid in full '' MotoLease refuses to remove the late mark on my credit. I XXXX XXXX never revoked my payments nor authorized Moto lease to revoke my automatic payments. I have had flawless payment history and I am formally requesting through this complaint for Moto Lease to take the payment that is owed and correct the historical data with the XXXX and XXXX agencies as it is erroneous and not depicting an accurate representation of the account. Each day this information continues to report damages my credit reputation and causes more damage. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX check # XXXX amount is XXXX, checked cashed by fraud, my XXXX says they donot receive the check, and their bank is XXXX XXXX XXXXXXXX, someone from XXXX XXXXXXXX XXXX they cashed the check without endorsement as well, we filed a claim to chase bank and also reported to police we submit all the info to chase bank, and around 8 month later, they reply me on XX/XX/XXXX says cause the XXXX XXXX didnot reply back to them, they close my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 3 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX  CAINE & WEINER COMPANY INC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: North State Acceptance, LLC
State: TN

Complaint narrative:
I got a XXXX  with North State Acceptance XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the XXXX  and I had a payment agreed made with courts. North State did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to XXXX with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and XXXX still not fix it. Then after I made the payment left I get a alert that North State reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with XXXX for them to state the info was credit. How is this possible??? I contact North State and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: VA

Complaint narrative:
To : Guild Mortgage Company XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Department Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I find it despicable that I applied for a home loan with Guild Mortgage Company on or around XXXX XXXX, as you would know time is of the essence when buying a home. I sought out a loan of XXXX to XXXX and was made aware that I could not be approved but for only XXXX. I accepted the amount, however XXXX XXXX the loan officer I was working with became rude as if the amount hurt her more and wasnt enough for her to deal with and I was left hanging NO response at all. I have called and emailed several times asking for the approval letter for what I qualify for XXXX so I could proceed with looking for a home. I was able to find XXXX separate homes I liked in that range while waiting for a response. However, I was unable to submit a bid because I didnt have an preapproval letter nor did she ever reply as of the date of this letter. 
I was devastated that the loan officer would basically treat me with a prejudice, second class because of my income wouldnt allow for more, so she gave me nothing. XXXX XXXX cost me a nice home, credit hard inquiry which does impact me when applying again and lost time. 
I feel humiliated, to not get the approval letter at all nor home buying counseling all the things you are promise before applying to find out that if you dont qualify for enough commission she wants to received then you are wasting your time and credit with this company. 
This is unfair and should not happen to anyone! 

I want the hard inquiry removed from my credit report for the company did not provide what was promise to pull credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized transactions : Transactions occurred that were not made by cardholder or approved user on the dates listed below at the location listed below. 

Location XXXX XXXX XXXX XXXX XXXX XXXX, California ( XXXX XXXX XXXX ) XXXX XXXX  - {$200.00} XX/XX/2023 - {$270.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$210.00} XX/XX/2023 - {$250.00} Bank of America has charged an use charge of {$2.00} per occurrence - total {$12.00}. 

Cardholder has since changed passwords and pins, and received new cards. 

Bank of America has reversed one transaction only and has denied the claim dispute for transactions from XX/XX/XXXX to XX/XX/XXXX, totaling {$780.00}

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : 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 2023-04-26 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Contacted NFCU on XX/XX/XXXX because the initial check was rejected and to issue a new vehicle loan check. I was advise to request the dealer to mail the old check back and for me to come back into the branch to sign a new check. Upon waiting for the old check to arrive the dealer passed away and NFCU never received the check back and I'm not on the hook for a vehicle that I don't possess. I reached back out to NFCU to resolve this account and provide any details to move forward with this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX Banking XXXX XXXX XXXX Due to this hard inquiry, my credit score dropped 5 points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I found a weird transction and the amount was {$4.00}. I tried to get in contact with XXXX and one of their employees blocked the line and asked me to download an app and the hacker ( one of the XXXX staff ) has gained control of my phone and is monitoring it, accessing my personal information and making unauthorized transactions. The transactions amounted to {$2000.00} and {$8800.00} respectively and occurred in CA, but I am based in New York as an international student attending courses. I NEVER WENT TO CA and do not know anyone living in CA and have only transferred money to XXXX individuals with a small amount of money before. It is crucial to note that I did not authorize any money transfers, especially for the amount {$8800.00}. I attempted to contact the bank regarding the unauthorized transaction of {$8800.00}, but they informed me that I either carried out or authorized the transfer, despite my certainty that I did not. As soon as I noticed the pending transaction on the app on XX/XX/XXXX, I requested that the bank block it immediately. Unfortunately, Bank of America did not comply, resulting in the transaction being completed. This has left me feeling frustrated and disappointed. Can you assist me in resolving this matter? BTW, the hacker 's phone number is 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 monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector XXXX, XXXX as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called XXXX crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX minority and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
From the depths of corporate greed, a card emerges, a card so utterly steeped in excess that it reeks of contempt for its very users : the American Express Platinum Card. With its exorbitant annual fee of {$690.00} + {$150.00} for additional member, this card is nothing more than a brazen cash grab, designed to ensnare the unsuspecting with the promise of exclusive " perks '' while shamelessly emptying their wallets. 

The card claims to offer its members a litany of high-value benefits, such as airport lounge access, elite hotel status, and travel credits. However, upon closer inspection, one quickly realizes that these so-called perks are nothing more than a series of hoops that cardholders must jump through, with countless terms and restrictions rendering them virtually unusable for the average person. 

XXXX XX/XX/XXXX  : The direct website of a 5 star hotel was {$520.00} cheaper than Amex travel fine hotel and resort collection when I booked using my Amex Platinum card. Now the Amex perks are no longer valid since I booked directly with the hotel and not Amex travle. They are window dressing their perks like in such a way that we, the customers, are clearly paying for it! Amex provides poor service. It is not even immediately apparent when we click on the so-called perks as follows and terms and conditions. 

In summary, the American Express Platinum Card is a shameless display of corporate avarice, masquerading as a luxury product. The benefits it offers are little more than bait to lure unsuspecting consumers into its trap, only to leave them saddled with a high annual fee and little to show for it. There are far better options available for those seeking a premium credit card experience ; do yourself a favor and steer clear of the Amex Platinum Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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