vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I received a credit monitoring alert this morning XX/XX/2023 from XXXX Equifax alerting me to an inquiry made on my credit by XXXX XXXX XXXX XXXX  XXXX on XX/XX/2023 at the address XXXX XXXX  XXXX XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called XXXX XXXX XXXX  and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from XXXX XXXX to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.

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 2023-05-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$62.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We advised Truist that we wanted to set up Positive Pay on our account in order to prevent fraud. We initiated this service in XXXX of XXXX. It took until XXXX of XXXX for them to finally get us set up. In XXXX of XXXX, we had a fraudulent check hit our account and were not aware until late XX/XX/XXXX. It slipped past our bank reconciliation process because the thieves used a similar check number and dollar amount as the original check. Truist refuses to reimburse the funds stating we were negligent. However, we attempted to set up Positive Pay to prevent fraud for several months and were hindered by Truist 's slow process to get it up and running. We feel this is Truist 's fault as they could not set up for us the fraud prevention services for us in a timely manner, causing us a loss of $ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I took out this loan in XX/XX/XXXX to help pay off my credit cards. It was offered to me through XXXX XXXX. I fell behind in my payments due to the mortgage interest rates raising in early XXXX and Im a XXXX XXXX that is greatly affected by the mortgage industry decline. I told the company this. They offered lower payments, but I told them I was paid on XXXX. The payments started to come out on different days, causing them to bounce from my bank. Net Credit applied {$25.00} late fees, but no where in there materials does it state they apply additional interest. I caught up with my late payments today, but noticed when I did this, the payoff on my account is {$8800.00}. The make the payment screen is the only screen that shows me this figure. When I look at the first screen when I log in, which is my account summary screen, the loan balance shows {$4900.00}. That is a difference of {$3800.00}. When I look at my loan details screen, I see the late payments, the charge interest is no where disclosed. On my summary screen with my loan principle remaining of {$4900.00}, there is no disclosed interest owed and nothing shows a total balance, which leads me to believe I owe {$4900.00}. My loan details screen does not show {$3800.00} in interest anywhere, and my Full payment schedule doesn't show it. I called an inquired about showing the breakdown of {$3800.00} to me. I was on the phone with a representative for 41 minutes. He was nice, and tried to be helpful, but he kept telling me he showed on his screen I owe {$8800.00}, I told him that doesn't show on my summary screen, and I can not locate any breakdown that shows me the charges between the loan balance on the summary screen and the payoff in their system. He couldn't find anything to provide to me. I know under the laws and the fact they have an NMLS # they have to be fully disclosed to show me a breakdown of the payoff, but they don't have one. I want to pay this loan off, but I need to shown the breakdown of the different between the loan balance and the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have an overdue payment with Hyundai Motor Finance ( payment due XX/XX/ ). The collections department from this company has called my cellphone to attempt to collect the debt XXXX times today ( XXXX XXXX. 

Call timestamps are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are coming from the phone number XXXX and appearing on caller ID as Hyundai Capital. 

I returned their call, at the number they have been calling me from, and attempted to request that they cease and desist because they are in direct violation of my rights as a consumer under the Fair Debt Collection Practices Act. Whomever answered my return call refused to transfer my call to the appropriate manager until I furnished either my account number or complete social security number so they could access my records ; however, the automated system that answered my return call had already identified me by the phone number I was calling from, and verified my identity by requesting an input of the last XXXX digits of my SSN, which I provided.

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 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am the personal representative for the estate of XXXX XXXX who died XX/XX/XXXX. 

On XX/XX/XXXX I transferred {$2100.00} from the estate checking account to a beneficiary XXXX XXXX ; this was done online via wire transfer to his credit union in XXXX XXXX in the XXXX XXXX. XXXX never received the money as of XX/XX/XXXX. 

In the proceeding days I called NFCU multiple times because the money was not delivered but had left the NFCU account. I was told to call XXXX XXXX XXXX  ( XXXX ) where the money was sent. When I asked about why XXXX I was told that Wire transfers do not go directly to non XXXX XXXX  and XXXX is the intermediary between NFCU and the credit union. 

I called NFCU numerous times afterwards but was told to go to XXXX  because they had the funds. After four lengthy phone calls, one visit to local XXXX and a written complaint I was told that NFCU which is my bank and where the transaction started had to request the return of the money. I do not have a XXXX account. 

I was not aware that online wire transfer could not be done and I had to go to bank in person. 
All steps have failed and I was told that I will not get funds back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: SC

Complaint narrative:
Last XX/XX/2022 and XXXX XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I submitted a complaint for it Last XXXX but it was closed immediately without getting any response from the companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-12 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: KS

Complaint narrative:
Unauthorized inquiries I did not authorize these inquiries

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In-store merchant offered purchase incentive with 2-year no interest credit card. 
Synchrony Sport was the credit card provider. 
This was the only time this credit card was ever used. 
Automatic monthly payment was set-up, however the monthly payment drawn was the minimum amount, not the amount necessary to payoff principal in 24 months. 
Since there was no monthly activity the monthly statements were not opened. 
Footnote in their statement was the only form of communication to alert me the promotion period was expiring. No mail, no email, no courtesy phone call. 
Synchrony then billed me at 29.99 % interest retroactively for the prior two years. 
The only came to my attention when I finally received and email invoice for the past due amount many months later. 
I have since paid off the entire principal balance, but now still being charged interest on unpaid, unacceptable and disputed interest charges. 
I have contacted Synchrony several times by phone and by mail to settle this, but been denied each time. 
Their conduct is egregious, non-transparent and predatory.

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, BNY Mellon intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. 

Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. BNY Mellon refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. 

After BNY Mellon forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. 

I have raised these issues in a multi-year court battle ; yet BNY Mellon continues to engage in knowingly malicious bad acts. They have admitted their errors in XXXX documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I do not have tge exact dates or amounts.

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Was told my credit card was closed as Capital One has observed activity on one or more of my personal accounts that is inconsistent with a typical consumer account usage? 

So they cancelled the card for no reason and it negatively effected my credit score and never gave me a real reason, which I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
Last XX/XX/2022 and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-12 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: GA

Complaint narrative:
Last XX/XX/ and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XXXX of XXXX  I co-signed a car loan for my daughter. I had no co-signed for anyone in my life and was unaware of the processI had 2 different credit cards with Synchrony Bank. I had a XXXX XXXX XXXX  Credit card from them with a {$2500.00} credit line and a Synchrony Car Care credit card also with a {$2500.00} credit line paid both on time never once a late payment .Once that car mess ( which is being reviewed by the attorney generals office in XXXX right now for other underhanded dealings ) hit my credit reports they immediately closed both my accounts with out notice no call no letter at all. When I called them to ask them why they shut my accounts down they said your overextended you just bought yourself a new car I said are you kidding me never a late payment and you just shut both cards down without asking me what happened, nothing? They said yup thats it have a nice day.

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 2023-05-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXXO 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 an account without my written instructions.

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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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