vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: MA

Complaint narrative:
Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-02-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received alert from Experian that XXXX XXXX XXXXXXXX had pulled my credit report and it reflected as a Hard Inquiry. 

The inquiry was done on XX/XX/2023 XXXX XXXX XXXX  was contacted and could not provide any further details, A fraud alert was placed on my account. I have no loans or credit through XXXX XXXX XXXXXXXX. Nor di I recently request or apply for a loan or credit through XXXX XXXX XXXX 

Experian was contacted and also placed a fraud alert on 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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To whom it may concern, I am asking to please help out with Wells Fargo Credit card by removing my 30 day late payment off my credit because that late payment keeps my credit low. 
Thank you

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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Great American Finance Co
State: IL

Complaint narrative:
Hello My name is XXXX XXXX XXXX XXXX XXXX maiden Name ) My social security number is XXXX XXXX XXXX My contact number is XXXX XXXX XXXX XXXX XXXX is reporting a very old account only on my XXXX report and not XXXX or XXXX Wanting to know why And if we can get the account XXXX from XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX The vendor double charged me on XX/XX/XXXX last year XXXX ; I called on XX/XX/XXXX to the credit card company and complain that they fraudulent double charged me. I called back to the call center overseas and they gave me a runaround until XX/XX/XXXX of XXXX where a case number was finally documented. Case number XXXX.I was assured that the {$180.00} will be recovered.I just got off the phone todayXXXX XXXX, XXXX. Capital One is refusing to call it exactly what it is ; a fraudulent double charge to my credit card. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8700.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Discover Bank on XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on ( date you called ) and spoke with ( all the people you spoke with ) recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
We received a collection debt from XXXX XXXX XXXX XXXXXXXX XXXX  {$310.00}. I have never lived nor requested service for this business. Spoke to the company on XX/XX/XXXX and previously reported this to XXXX  and reqeusted his acct be frozen until further notice. fraud alert was submitted in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid 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 rented a car from XXXX  on a monthly subscription. 

As per the terms I was able to cancel the monthly subscription at anytime by returning the car before the new 30 days started ( see attached ) I started the rental the XX/XX/2022 ( see attached ) and the car war returned XX/XX/2022 ( see attached ). 

After returning the vehicle. XXXX CHARGED ME FOR AN EXTRA MONTH on XX/XX/XXXX after the vehicle was returned. 

I disputed the Charge with Amex for the {$1500.00} charged on XX/XX/XXXX Dispute reference number is XXXX I'm my dispute a clearly provided evidence that I had the right to cancel the upcoming month charge by returning the vehicle before every 30 days. 
I provided evidence that the rental started on XX/XX/XXXX. And returned XX/XX/XXXX XXXX charged me for an extra month even though the car was returned saying I did not return it on time. It's clearly false black and white. Everything I backed up with clear documents I provided a doc that states the cancelation policy. I provided a doc that stated when I the rental started. I provided a doc of return confirmation. This is black and white if only someone in the dispute department will be willing to look on it. Not just assign blind codes The merchant was only able to provide a invoice that states i was charged the for XX/XX/XXXX day. In no way did they answer up to my claim that the car was returned on the XXXX which shows on that same statement that they themselves provided to Amex! 

Amex is not investigating anything. As long as the merchant responds no looks even on the document they provided. If they respond they win.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I lost my job due to health issues and my sister who is a contributor was on disability. My father who is a contributor also left his job due to health reasons and the mortgage never offered to help me when I asked. Its always a process. I filled out for a hardship package and sent everything in they needed but still said I needed more so I was denied. This isnt ok. I was taken advantage of as a first time home buyer. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2022 I began receiving notices of credit inquiries that I did not make through XXXX. Unknown persons attempted to apply for a Master Card through Macy 's twice. Also, in late XXXX I was contacted by XXXX XXXX with a suspected fraudulent application for a {$25000.00} student loan using my information as a co-signer. The most recent activity was an unsolicited inquiry to Macy 's and American Express on XX/XX/XXXX. I found out afterwards that the perpetrators were able to reopen my XXXX account. I was able to re-freeze my XXXX account with a fraud alert and I have spoken to both Macy 's and American Express and reported the inquiries as fraud.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am a XXXX and in XXXX and XXXX I continued to be reinfected with XXXX. XXXX created a massive health and financial struggle in my life. I would appreciate the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
After being a Bank of America customer for over 45 years, all my Bank of America accounts are being suddenly closed for no apparent reason. This includes my checking account, safety deposit box and credit card. I am a good customer, credit card balance is XXXX, over $ XXXX in the checking account, no overdrafts or late payments. 

I received letters for each of these products on XX/XX/2023 saying they were being closed, and only one offered a clue as to why, saying : " your risk profile no longer align 's with the bank 's risk tolerance ''. There have been no changes in our financial life. Same job making over $ XXXX annually for the last 13 years. 

When I called the bank, they simply said they had the right to close the account and did not have to explain. I suggested that there might be an error, and they would not listen, hanging up on me. I called their fraud department to see if something had happened to my accounts, and they said everything was normal.

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 2023-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We were on automatic payments with NewRez for 2 yrs no issues until XX/XX/XXXX they stopped taking payments. Did not notice until the second payment was not taken out for XX/XX/XXXX. No notice, email, or call. Recieced letter mid way through XXXX about missed payments. We changed nothing on our side. Website showed we did not have an account set up for payments and told us we had to reapply to set up autopayments. Even though we paid the back balance with the account they said we do not have on file or set up. Next shows we have autopayments still set up. Ok shows that next payment is set for XXXX. Come XX/XX/XXXX the website show no account or autopay set. Says to resubmit. Log in next day autopayments are showing again. Day XXXX of XXXX no autopayment is showing manually paid and is still not taken out of account. When we contacted they they said the issue is not on their part but our side. We have had XXXX for 17 years paid our mortgages on autopay through them and never had an issue. Over 11 years with XXXX XXXX not 1 issue. XXXX buy new house mortgage gets sold to NewRez no issues first 2 years and now this. Dropped my credit report over XXXX  points because of this and never had a missed payment in 20 years. This trash and I should not be pu ished for their mistakes. I hate this company and they have hundreds of reviews saying the same things. Worst company ever had to pay or depend on.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I borrowed {$1200.00}, and now I'm told that I owe more than $ XXXX. Was not told this when I did the money loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got an auto loan through Suntrust, now Truist and set up auto-withdrawal on my checking account. They withdrew {$4000.00} monthly for several years. On XX/XX/XXXXXXXX I got a debt collection notice saying my payment was past due. I called asking how that was possible because they withdraw it automatically. They responded that the last payment has to be mailed, stating that they had send something in the mail explaining that. I explained that I had not received any such notice. They then said that I would have been told that on the phone when I set up the auto payment years before. Really! Nonetheless I made a payment over the phone in the amount of {$4800.00} on XX/XX/XXXX XXXX, for the payoff and interest penalty. I said I wanted to dispute the {$200.00} late fee that they added. I asked for assurance that a report was not made on my credit and was told that it wasn't reported and that an account had to be 35 days past due before a report was made. I asked for the legal department and was given a phone number of XXXX and a confirmation number of XXXX and case # XXXX on my dispute. I called the number and left a voice mail for XXXX XXXX. On XX/XX/XXXX ( 29 days later ) they reported me to the credit bureau as 30 days past due for the {$200.00}, but I was not aware until today. They were non responsive to my dispute and sent me a bill for the {$200.00}. I went to pay it online but could not access the payment portal and mailed the {$200.00} late fee just to make sure my credit was not affected while the dispute was pending and they reported the loan paid off but put another late mark for 60 days past due on my credit on XX/XX/XXXXXXXX XXXX I tried to call but because my account is paid their system wont take the call and the number for the legal department is no longer valid. I had a XXXX credit score that is now XXXX. My XXXX XXXX XXXX  line of credit is also up for renewal and will not renew because of their false reporting. This is unconscionable!

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 2023-02-03 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JPMCB Card services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX  score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from XXXX that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from JPMCB Card Services on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted XXXX and they refused to dispute the duplicate hard inquiry. They directed me to JPMCB to request removal. I contacted JPMCB and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX  days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report XXXX  for their investigation into the validity of my my identity and application. 

My XXXX  score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

15 U S C 1681c ( a ) ( 5 ) SEction states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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