vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my 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 explanation
Consumer complaint received 2024-04-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been getting emails ( but not statements ) re : a balance with citi card. I have not used this card in years. In fact, I believed I closed the account years ago, so I assumed these were scam emails. I was not receiving a new card when the old one was expired. I never carried this card in my wallet. When I tried to set up an account to view my balance, it would say that cc # is invalid, which it isn't so I would give up. I first tried to call citi a couple years ago, and they wouldn't tell me what the balance on my card was from. I finally tried to resolve this again and called citi several times back in XXXX, and each time they were unable to get into my account. I was persistent called each day my husband was around ( they say his name was the Main cardholder yet MY mothers maiden name and my social security # was the primary on the acct and wouldn't talk to me unless my husband was present ) The first time I called to resolve this issue was mid XXXX. I have called them at LEAST a dozen times to resolve this, each time no one calls me back. There were monthly checks FROM my XXXX XXXX XXXX account going to Citi to pay a balance that was NOT my balance. So I stopped payment ( it was Autopay ) with my bank. Last time I called citi, I finally got someone who could get into my account, and told me " I '' took out a loan on this card back in XXXX of XXXX. I DID NOT take out a loan! She said she would call back in 3-5 days, and she has not! Today I received a call telling me my card was overdue and threatening to send me to collections!! I told her part of the story, she said they need to cancel my card, that the previous rep should've done that. There is a balance of about {$1600.00} that is NOT my debt, I pay my debts. Please help, I'm getting no where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Flatonia Investments, LLC
State: MD

Complaint narrative:
on XX/XX/XXXX, we contacted a realtor about a new build spec home on XXXX XXXX XXXX XXXX XXXX XXXX, MD. 
The realtor was not the listing agent, we did tell her we were asking about this home. 
" XXXX, " called about the home on our behalf and was told it was a new build spec home and would be finished late XXXX. ( because XXXX took awhile to get the info to us and we didn't want the home to sell, we decided to go directly to the builder 's office ( big mistake, they work strictly for the builder, and don't work for the buyer ). 
XX/XX/XXXX, we contracted XXXX XXXX XXXX XXXXXXXX XXXX. '' We told XXXX we were interested in the home. We informed her that my husband, XXXX, was having major XXXX XXXXXXXX on XX/XX/XXXX and we are not looking to purchase anytime soon as he will be unable to move. We asked again " we understand the home won't be ready until late XXXX? '' XXXX confirmed this and said " You should be good, XXXX maybe even XXXX because of the rain and permits etc. '' We also asked XXXX to see if we can get any refund on the home price because we are not using a realtor and that alone is a lot of commission taken off the price of the home at 6 % the price. Weeks later after asking again, she quipped back " oh, there is a listing agent ( we never spoke to this woman or even know her name ) She will get the commission on the home, and ill get a little of that. '' We reiterated about XXXX XXXX XXXXXXXX and she again said the " home won't be ready until at least XXXX. '' " We still have to get things set w/the property, permits, and HOA approvals and allll this rain we've had has pushed things back. '' " If you're interested, lets see if we can get you approved. '' THE LOAN : We mentioned to XXXX that we want to stick w/our mortgage company " XXXX XXXX as we have our current home w/them and we had an excellent process w/them and no complaints '' Her response was " XXXX only likes to deal w/our lender, Envoy Mortgage. They know Maryland law and the closing is a lot smoother for him going w/Envoy. '' " going w/an outside lender slows the process and we will charge 1.5 % interest per day on the price of the home if the closing is delayed. " ( bullying the buyer?? ) " We give incentives, 30 % off extras and 2 points back at closing and there are no delays because they know Maryland laws. '' ( XXXXXXXX XXXX is # 2 in the nation and is a national mortgage company?? ). 
I ran out of room basically, we have been bullied into a loan we can not get out of. they have XXXX of ours. We want to go VA and now we can't please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I XXXX XXXX had opened a Bank of America Business Advantage Banking account for my Business ( XXXX XXXX ) through online on XX/XX/2024. Even before while opening the account the I clearly Mentioned that I am out of United States and can not be physically present to open the account and my partners will be doing the transactions as I had to do some important transactions from USA to XXXX to buy XXXX for my Business and I spoke to this agent ( XXXX ) who had agreed to everything and opened my account. And we started our account with nice XXXX deposit and then one of my partners did a wire transfer to an XXXX account to buy the machinery. 

Then my account has been blocked saying some kind of fraud detected. The deposit and transfer was done by the same person. They just waited to deposit the money and now they have put a hold on my account and now when I call the agents they are saying I need to physically verify my identity by visiting one of the branches. If that was the case then they should not have opened an account without me physically being present in there office in USA.

Now its been more than a week I lost access to my account with all my funds in it. When I reached out to this agent XXXX, instead of answering my questions she just threatened me to Disconnect the call. I spoke to couple of other agents too but no one is helping me with this. They took my money and they are not giving access to my Own account they are just holding my money with them since XX/XX/2024. And now I have to spend like XXXX to come back to USA to verify my Identity physically. This is really shame on that Institution. Please do me some Justice here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
Subject : Urgent Request for Investigation Regarding Auto Loan Account Dear Stellantis Financial Services, I am writing to express my deep concerns and frustration regarding the handling of my auto loan account with your company. I obtained an auto loan from Stellantis Financial Services on XX/XX/XXXX, with the following details : - Original Financed Amount : {$43000.00} - Original Term ( Months ) : 75 - Interest Rate : 11.06 % As of XX/XX/XXXX, my principal balance stands at {$37000.00}. However, despite making regular payments and additional contributions towards the principal, I have observed that these payments have been primarily applied towards interest only, resulting in an alarming lack of reduction in my principal balance. 
Furthermore, I have noticed automatic withdrawals from my bank account by Stellantis Financial Services without clear communication or consent. Despite my attempt to communicate with your company via email on XX/XX/XXXX, regarding the possibility of skipping a payment, no appropriate action was taken, and I ultimately made a full payment. Additionally, it has come to my attention that an extra payment was deducted from my account without my knowledge, yet the dashboard reflecting my account information has not been updated accordingly. 
The discrepancies and lack of transparency in the management of my loan account have raised serious concerns about the integrity and honesty of your company 's practices. I firmly believe that there may have been modifications to my loan terms without my consent or proper disclosure. 
As a result of these issues, I have been compelled to seek legal counsel to address this matter. However, before escalating this situation further, I am requesting a thorough investigation into the handling of my loan account. I urge you to review all transactions, apply payments appropriately towards the principal balance, and provide a transparent explanation for any discrepancies or unauthorized actions. 
It is my sincere hope that we can resolve this matter amicably and restore trust in our business relationship. However, I must emphasize that if prompt and satisfactory action is not taken to address my concerns, I will have no choice but to pursue legal recourse to protect my rights as a consumer. 
I kindly request a written response to this letter within [ 1 week ] to acknowledge receipt and outline the steps Stellantis Financial Services will take to investigate and rectify the issues outlined herein. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need 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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Initial Complaint : XXXX Submitted to the CFPB on XX/XX/year> Equifax only provided its general consumer information that's listed on its website, and frivolous information that was submitted by its furnished which does not validate any debt of me as a consumer ( uploaded ). FAILED TO CURE COMPLAINT # XXXX 15 U.S. Code 1681n - Civil liabilityforwillful noncompliance. U.S. Code. NOTE : I the consumer again request that Equifax remove any mention of this collection ASAP per the Fair Credit Reporting Act. The Listed collection account below continues to violate my Federally protected consumer rights to privacy and confidentiality : FCRA violations : 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) EQUIFAX - Reporting 1 Derogatory marks 1 collections- XXXX XXXX XXXX XXXX Addition to Initial Complaint XXXX XXXX The credit reporting agency and its reporting creditor are in violation of morphing or duplicating negative credit information on an account that does not belong to consumer. Moreover, credit reporting agency and reporting creditor has failed to furnish consumer requested document ( s ) signed and dated by the consumer in order to validate listed information onto consumer credit file not belonging to consumer. Additionally, it has failed to delete the inaccurate, incomplete and unverifiable information within 30 days of receiving initial notice of consumers dispute. Furthermore, the credit reporting agency has failed to notify consumer when it supplies negative credit information to a credit reporting agency. Consumers rights has been violated. inaccurate, incomplete, or unverifiable information must be removed within 30 days from the initial date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: Old Republic National Title Holding Co.
State: NY

Complaint narrative:
XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX to XXXX XXXX Old Republic Title Comapny Pursuant to our conversation this day concerning the above referenced Title Report, attached hereto please find Schedule A and the Supreme Court Judgment clearing ScheduleB/Exception # s 4 and 21 ( 6 Open Mortgages ) and Recorded Satisfaction of Mortgage # 1 clearing Schedule B/Exception # XXXX. 
I know XXXX XXXX XXXX ordered this title as a sale but now after COVID the same exact parties would both like to change the report from a sale to a {$250000.00} refinancing of the subject premises by a recordable first mortgage. 
We would like to close this transaction, as amended, under this XXXX XXXX XXXX, and updated pursuant to your specific instructions. 
Thank you for your immediate attention to this matter. 

On XX/XX/XXXX. he ask me to pay Old Republic a check for {$500.00} for the work product to be done. I sent him a check from my business account and to date I have made numerous attempts to receive a copy of my title report for property XXXX XXXX XXXX, XXXX, NY XXXX and or my money back since I never received any work product to date. 
I have note received a refund or work product from this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
On XX/XX/year> there was a charge from XXXX for {$180.00} I disputed this transaction because first I never authorized or use this credit card with XXXX and secondly I reviewed my history with XXXX there's no such transaction amounting to that amount they sent back a letter saying it was valid how could it be valid when there was no verification done and I know for a fact there's no transaction on my part

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A copy of the loan agreement still has not been provided to prove debt. 

XXXX Original complaint CLOSED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A copy of the loan agreement still has not been provided to prove debt. 

XXXX Original complaint CLOSED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need 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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: MD

Complaint narrative:
The Way2Go card application and website consistently cancel transfers to my personal bank account for no stated reason. I am unable to withdraw monies from the card account and am given no reason as to why. Additionally, the customer service line is entirely automated, making resolutions impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: AZ

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my 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