vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
We traded a XXXX leased XXXX XXXX XXXX in XX/XX/XXXXXXXX  for another lease ( XXXX XXXX XXXX XXXX ). The payments were rolled into the new lease. XXXX XXXX ( XXXX XXXX, MI ) never submitted the lease term payoff on the XXXX lease. I have asked for proof of payment, and XXXX has not been able to provide. The vehicle balance is showing as vol repossession with Ally Financial Account Recovery team of approx $ XXXX {$280.00}. This has impacted myself and my cobuyer credit reports. I have attempted to resolve with dealership and keep getting the runaround.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed dispute with Amex on XX/XX/XXXX ( XXXX ). On XX/XX/XXXX amex said after investigating my card was physically used at the XXXX XXXX XXXX. I was never at XXXX XXXX XXXX in the XXXX. This the location shown on the copy of the receipt that I requested. The receipt is dated XX/XX/2023 with a time XXXX. This would be XXXX. I was in my bed. There is no price per gallon or total gallons purchased. Amex email to me on XX/XX/XXXX shows the transaction date as XX/XX/2023. I was at a meeting and to bed afterwards. I to the best of my recollection one I received my new card from Amex destroyed the old one as instructed to do. 
Before the gas charge, the last time I used my card was on XX/XX/XXXX at the XXXX restaurant. I only carry a credit card if I am going to use it. Otherwise I leave at home. 
XX/XX/XXXX I contacted Amex again. XX/XX/XXXX they closed dispute " investigation closed due to incomplete setup ''. 
I have Been an Amex card member for more than 20 years. This is not justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MI

Complaint narrative:
My wallet was stolen and 18 transactions at the same merchant were used in a 45 min time frame totaling XXXX dollars. And it was clear that it was unusual transactions and they are denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
XX/XX/XXXX - called to close CD upon maturity They said I would have to go into branch. There is no branch in my state. 
They said a recovery team would call me in 1 to 2 business days. 
5 business days later on XX/XX/XXXX I called them again. They said the exact same thing. 
Now it has been 10 days and I called them today and they say the exact same thing. 
I filed a complaint with the bank " XXXX '' I let them know I needed my funds. It has taken an hour or more of my time each time I call. 
They are keeping my money against my will. 
Thank you and please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an American Express Reward Card as a gift. I received the card a few years ago. I just tried to use this card today and was told that it had a XXXX XXXX balance. 
I read the front of the card which stated that it expires on XX/XX/2025. I read the back of the card which stated that the funds will never expire. It also state that the card will be charged a monthly inactive fee of {$3.00} each month. Since I never opened the card until today I was not aware of the {$3.00} fee. I would like American Express to recharge the card back to the {$100.00} face value so I may use it. The card is not expired and they claim that the funds Do Not Expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting unauthorized hard inquiries on my report. These are the inquiries, that are not mine. 

XXXXXXXX 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 2023-10-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the outdated Drivers License Information that LexisNexis is reporting on my LexisNexis XXXX Report ( See attached Supporting Document # XXXX ). 

On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). 

On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ) ( See attached Supporting Document # XXXX ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his XXXX report can not be removed from his report. 

The information that LexisNexis is reporting is outdated. Instead of updating the outdated information, LexisNexis nonsensically attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis XXXX Report is not governed by the FCRA, contrary to the definition of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-10-23 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:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit score don't reflect the items on my report. On transunion or experian low scores and good payment history is not accurate and I want it fix ASAP

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 2023-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
My home is under contract for purchase. I have a VA assumable mortgage with Pennymac Mortgage Company. 
They are telling me that the buyer is not qualified to assume the loan. 
The buyer has been qualified by another lender for a higher amount at a higher interest rate. So Pennymac is not truthful about this.

The buyer is paying cash for the balance of the purchase price and only assuming the existing VA assumable mortgage.

It has been over 90 days since the assumption paperwork has been submitted and now Pennymac has requested the buyer to re-apply and provide more documents. 
They are not following standard lending procedures. 
I think they do not want to do any assumble loans. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
There is an inquiry from XXXX XXXX on my credit profile with EXPERIAN that I do not recognize from XX/XX/ thats not mine. 

There are also incorrect inquiries on my credit report with XXXX that I do not recognize that arent mine on XX/XX/ at XXXX XXXX XXXXXXXX, XX/XX/ at XXXX  and XX/XX/XXXXXXXX  at XXXX XXXX XXXX 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.

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 2023-10-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX gave me a letter stating they would remove unauthorized inquiry. They have not removed it. Experian has not removed it. It needs to be removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I was originally approved for a {$5000.00} loan on XXXX XXXX ( application # XXXX ). I have yet to receive any funds however my credit score and report has been impacted. I spoke with XXXX and XXXX ( the branch manger ) XX/XX/2023, and the company states something has gone wrong with their software is reason they gave me for the inability to honor and book the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ever since moving to XXXX, my card has been stolen several times and although I do my best to protect that information by using my wallet or tapping my card ; my information still seems to get stolen. I have never had my card physically taken from me but unauthorized transaction are a dime a dozen. 

Wells Fargo will deny my card if I make an {$80.00} purchase but will authorize transactions equaling up to over a XXXX dollars over multiple purchases made in a day. The charges I got from XXXX XXXX makes no sense as I've never been to a XXXX XXXX in NY as of yet since I don't live near one. MY claim being denied with no supporting documents other than a reiteration verb They then had the nerve to tell me that my chip was present since I knew that just couldn't be possible as far as I knew. 

Based on what the woman over the phone told me, I'd have to literally go outside and play detective in order to get my money back from Wells Fargo. NO matter the outcome of this complaint, I will be closing my account with them as this is absolutely ridiculous on their end.

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 2023-10-23 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
About 4 months ago I had spoke with someone at Mr Cooper mortgage company about doing a Loan assumption on my USDA loan. They had told me the process I needed to follow, so I got all the paper work together and sent it out to them. I continually contacted them during the past 3 months asking the status of my loan assumption. They tell me to call back in the beginning of XXXX to check the status if I hadn't heard anything. So I called back today on XX/XX/ and spoke with a woman who told me that USDA loans are not assumable and that my request was denied. Yet, she further states that her computer did not allow her to conduct an assumption. To my knowledge USDA loans are assumable. Furthermore we requested an appeal based on the denial of the assumption.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
XXXX XXXXLVNV Funding LLC is emailing to attempt to collect a debt that is too old to be collected. They don't have any information on the account other than my name and email and 4 digits of the account. Additionally, they are acknowledging that they are not allowed to collect on this debt, but they are trying anyway. 

XXXX XXXXXXXX Account number XXXX Email states " The law limits how long you can be sued on a debt. Because of the age of your debt LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit agency. '' This was originally an account with XXXX XXXXXXXX XXXX XXXXXXXX. account number ending in XXXX. 

The current creditor is LVNV Funding LLC with an account number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/2022 I lost my job due to COVID and was out of work of 9 months, Freedom Mortgage put us on a forbearance with the parameters of at the end we had several options, restructure the loan adding in the forbearance amount, add it on the back end of the load, make payments on the forbearance amount or repay it. When the forbearance was over they claimed they could not honor any of those options only repayment was and option for the full amount, how is this even possible when you have not worked for 9 months at no fault of your own. I have been trying to pay them money and get the loan caught up but they continue to send the money back and trying to foreclose, HELP We are begin forced to sell our home because of the pending foreclosure. 
We need help we feel they did this on purpose and trying for force a veteran and his family out of their home because we had a nice low mortgage rate and they didnt want to honor the promises and help us out, only threating and pressue

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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have only lived on the mainland for XXXX years. I co-signed on a loan for a friend for a car loan and she later had health problems and was unable to make any payments, she left the united states so the car became my issue. I was not familiar with this process, the sales man was very nice but did not explain things well. I signed a paper giving authorization for electronic signatures. As he rushed through the documents, everything seemed ok and not a big deal. Just click here to agree ..... It was only after I became responsible for the payments I learned what I had actually agreed to do. I felt the salesman rushed over this, I did not understand the process. I am upset at the extra fees that were charged for the extended warranty and GAP insurance, these were not fully explained ; the salesman was more interested in selling a car than making sure I understood how serious an auto loan is and the full responsibility I was agreeing to as a co-signer. I can not make the payments it is simple. The original value of the car was {$10000.00}, {$9900.00} after a down payment but with the interest rate of 22.99 %, the loan was $ XXXX {$12000.00} in interest charges! The balance today is {$13000.00} after XXXX years of payments, the car is only worth XXXX or XXXX XXXX dollars. I called XXXX XXXX, they would not do anything and refused to discuss any options telling me only that I could try to refinance. They would not consider lowering the interest rate, lowering the payments or removing the extra fees. I can see online a complaint was filed against credit acceptance for exactly the problems I experienced. I felt pressured into products I did not need and for sure did not understand, I am unable to make payments and can not refinance. I feel trapped into this loan and there is nothing I can do. I am not sure I can ever pay this off and if I do, the car will be old and I may have nothing at the end of it all. I did try to refinance the loan but was told I need a co-signer but I was surprised the interest rate would have been much lower. How can that be? Trying to refinance made me feel taken advantage of on the original interest rate.

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 2023-10-23 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: NY

Complaint narrative:
I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, Equifax ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.

Company response to consumer: Closed with explanation