vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, CXXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly 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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/2023 I received a call from PNC XXXX Credit Card Security stating that a fraudulent purchase had been attempted on my card. The agent said the card was cancelled and they would send a replacement card in XXXX weeks. I protested that waiting that long would be a problem, I wanted the card overnighted. The agent said they'd send it via XXXX and I should have it within XXXX  days. As of today, XX/XX/2023, I have not yet received the replacement card. I attempted to log onto PNC XXXX online account and could not. They wanted to set up a new account, but the id number they emailed kept being rejected as invalid. This went on at least XXXX  times. I finally found and called the Customer Service number ( XXXX ). I explained the problem to the agent. He said my replacement card was still " being " processed '' and it would be at least XXXX weeks before it was sent out. I asked that, when the card was ready, that it be sent overnight. The agent said overnight was cut off. I said I was in a bad situation without a credit card. The agent said, in effect, that that was too bad for me. He blamed the credit card manufacturers. I was lied to by the first agent, and not helped at all be the second. This is not acceptable treatment for a customer. PNC cancelled the card, through no fault of mine and then simply stonewalled about making the situation right. Not acceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I noticed an account that was placed on my credit report that I have no knowledge of the account and they never contacted me. I want proof of the debt and the original dates of services.

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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union is reporting a collection debt on my record without any knowledge at all - I have not received communication or details other than a manufactured name - XXXX  there is no XXXX  in the usa nor am i associated with anyone named as such Trans Union has my wrong spelling and XXXX is just reporting something from XXXX XXXX  have no accounts with XXXX XXXX  and someone from resurgent is harassing me which is associated with XXXX Trans Union lost data and all of our ss numbers went offshore I want NO dealing with Trans Union I lost a job because of them

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 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, I am a Transferwise Customer with email address XXXX I am reporting this case because wise has refused refunding my money to me. 

My account was deactivated and I had funds on the account. On XXXX XXXX, XXXX  I submitted my bank details to wise for them to send the refunds to but I haven't heard from wise in this issue in which wise said that they were still running some checks However, on XXXX XXXX, XXXX  I received email from wise informing me that they have concluded their checks and would has processed the refund and they said it will take 2-5 business days for funds to hit my Bank.

However, I kept checking my XXXX XXXX I submitted everyday and there is no refund from wise into my bank account. 

I am demanding Wise to explain to me why they have not sent my funds to my XXXX XXXX  details within the 2-5 business days they promised and if they said they did, they should attach a proof to their response to this complaint. 

I need my refund to be sent to my bank My wise email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
The first problem is they pressured me and rushed me into signing the contract and they ran my credit through multiple people when i told them not to then when they found somebody they charged me a down payment and after i sign contract i notice my interest rate was super high they didnt explain none of that to me at all they was just more worried bout the down payment cash and me signing. The second problem is the car loan people which is Exeter Finance LLC the car beggining price on XXXX XXXX XXXX  when i got the vehicle it was {$17000.00} and since that date ive made 14 payments that added to {$6300.00} and its XX/XX/XXXX and the remaining amount is about the same as when i first purchased the vehicle which is only {$17000.00} i want to know why it aint went down none and my monthly payments is {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting on my FROZEN credit report a new address of XXXX XXXX XXXX XXXX tx XXXX which is incorrect. XXXX ( the company submitting this address ) had a fraudulent application submitted to them which has been cancelled but this address is still being reported as an valid address to my credit report which is inaccurate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given XXXX whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the TransUnion and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, 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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the XXXX and Experian is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, 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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank fraudulently closed my account without my consent due to the fact that it " doesn't like '' how I submit payments. Discover Bank dishonored every negotiable instrument I sent to it. Discover Bank didn't return any negotiable instrument bank to me ( beneficiary ). Discover Bank didn't provide any lawful reasons of doing so. Discover Bank is in breach of FDCPA 15 USC 1692a1. It is Discover Bank duty to honor negotiable instruments for payment, to know and abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for payment of debt in accordance with 31 USC 5118 and other statutes/codes. 



" Dear XXXX XXXX, As a result of a recent review, we have closed the account referenced above. 

We have taken this action because your account is not being used as intended. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one. 

If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has sent me information identifying that XXXX XXXX Banking accounts were opened in my name. First occurrence was receiving emails in XXXX XXXX  that the accounts were successfully opened, then email notifications that the email address as been changed. Then I received mail a few weeks later with the banking information. I went to a local Bank of America branch ( located at XXXX XXXX XXXX XXXX XXXX, SC XXXX ) and spoke with someone there about getting those accounts reported as fraud and closed. I am still receiving statements as if the accounts are still open. There were a total of 2 accounts opened in my name, with my SS number, even with my credit being locked/frozen with the top 3 credit bureaus ( have been locked since XXXX ). All accounts show a {$0.00} balance and when I spoke to the employee at the BoA branch, she made this comment ; " you're like the 10th person to come in here this week about this. '' I'm honestly surprised there has not been more information released about these fraudulent accounts being opened. I also am not a Bank of America customer.

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 2023-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with Aspire Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX} in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX  giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Applied for a mortgage with XXXX XXXX, XXXX ID # XXXX, and my credit profile was pulled by the loan originator. After that, I never heard from the agent again after making several attempts to contact him through email and phone.

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a car loan with Regional Acceptance. My car was totaled and I have all these fees in excess of my outstanding loan. I have asked multiple times to get a breakdown of what the fees are and they just say interest and other fees. I need to know how much I am being charged daily for the extensions I have as well and they dont have an answer for that either. They are terrible. Worst company ever!

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them 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
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
we XXXX have a big finance problem. we not able to pay the Mortgage because the way we getting pay. we need help. we hold about {$XXXX} or more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: LoanCare, LLC
State: OH

Complaint narrative:
In XXXX, I filed for Forbearance and did the extensions in XXXX. I was XXXX month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month LoanCare reported the loan as XXXX  days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month Loancare accrued interest on that payment and forced collections on it once the forbearance period was over.

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
My account was Hacked by wire transfer for {$140000.00} dollars. Union Bank recovered only {$110000.00} dollars of it, with an outstanding balance of {$28000.00} to still be recovered. At this point they will not call me back and I do not know what to do. If I had known the Security on my account was so poor I would of never opened an account with Union Bank in California.

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 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NV

Complaint narrative:
I used the company Remitly to transfer money to XXXX. My last transfer was never received by the recipient but Remitly refuses to refund because their system shows the recipient received the money. Its been months of me contacting them and my bank but nothing but more frustration has come out of this. Since Remitly refused to issue a refund, I filed a dispute with my bank. After they received the dispute investigation request from my bank, Remitly then decided to permanently suspend my account for suspicious activity and not following their policies. They even had the nerve to tell me that I needed to pay them to reinstate my account with them and I was called XXXX slurs.I still havent received the {$460.00} Im owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Comerica Bank ... .UsDirectExpress ... Military XXXX payments access of my account fraudulently in excess {$21000.00} in XXXX XX/XX/XXXX. Locked account and filed a fraud claim with UsDirectExpress ... awaiting a resolution as of XX/XX/XXXX

Company response to consumer: Closed with monetary relief