vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-12 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00}

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED MORTGAGE CORP
State: OK

Complaint narrative:
This complaint is against CityScape Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My husband and I were in the process of purchasing a new construction home since XXXX XXXX. In late XX/XX/XXXX, we decided to switch lenders to see if we would qualify for the XXXX  loan. Cityscape was recommended by our realtor. Once we contacted CityScape, we spoke with XXXX XXXX and his XXXX XXXX XXXX. My credit at the time wasn't where it needed to be approved for the VA loan so they helped me get my scores to where they needed them to be through a program they used. Once that was done the process began to flow and we received a call from XXXX in XXXX saying we were conditionally approved for the XXXX loan. Then a few days later I received another call saying I needed to provide documents on a previous foreclosure that was in my ex-husbands name. I sent over the documents they needed. Then they said the XXXX already shows I had a loan, so i sent over documents showing I never used my XXXX loan. Just when we thought the process was moving forward, they emailed saying I needed to provide bankruptcy documents showing accounts that are closed. They requested I call each creditor on the Bankruptcy list. Each creditor my husband and I called stated the accounts were past the statute of limitations. We explained that CityScape, and they still said the loan may not be approved. However, they sent an email to the builder liaison saying the loan was approved and on track for closing. during that time we still didn't receive an appraisal but were told an appraisal wasn't necessary to close per phone conversation with the XXXX XXXX XXXX. During the process we tried numerous times to speak with XXXX and his XXXX to get some clarity on the matter. At one point my husband received a text from XXXX saying he was at XXXX XXXX. The professionalism was nonexistent. Once we decided to switch lenders again we had almost a month until our XX/XX/XXXX closing date. The lender we switched to requested the appraisal after we were told it was completed. However, cityscape dragged their feet until the last moment and then stated they never completed an appraisal. This caused our closing date to be pushed back to XXXX. CityScape was never forthcoming with their intentions and we constantly received the runaround. The process became extremely frustrating and unbearable. The treatment we received was unprofessional and unethical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a checking account and debit card with XXXX XXXX XXXX XXXX XXXX. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX  ATM that said it accepted deposits, which was a Navy Federal Credit Union ATM attached to a Navy branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. The amount of cash was {$270.00}. I entered my XXXX debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the Navy FCU branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted XXXX by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with Navy FCU because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at Navy FCU over the phone, who also told me that they need XXXX to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the Navy FCU ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because XXXX is refusing to help me or coordinate with Navy FCU in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have an account on my credit file being marked delinquent every month since XXXX. This account should not be reporting as such being that collection activity has stopped due to Covid and also school related University of XXXX has been found to be doing illegal things. I also qualify to have this removed under the borrowers defense

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 2022-07-12 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: AZ

Complaint narrative:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00}

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 2022-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I have been receiving regular emails from a company called TrueAccord regarding the collection of a debt from XXXX XXXX. An individual from TrueAccord has been emailing me starting on XX/XX/XXXX to the most recent email which was received on XX/XX/XXXX. In that timeframe, they have sent me XXXX separate emails about this debt. I have no recollection of this debt and it does not show up anywhere on my credit report. 

According to 15 U.S. Code 1692c - Communication in connection with debt collection : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I have NEVER given this company nor individual permission to contact me. 

The representative from TrueAccord is also in violation of 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Furthermore... 

15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

XXXX emails is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So, I went to a XXXX  and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.

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 2022-07-12 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: CA

Complaint narrative:
So, I went to a XXXX and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Date : XX/XX/2022, XX/XX/2022 and Call went to my voicemail the first time they called. 
The second time they called I asked them not to contact me at work. 

Company XXXX called my employer after I asked not to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 12 credit inquiries that I did not authorize. The customer service department would not help and take care of the negative inquiries reporting to my credit report and I would like to have this issue resolved. 

XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021

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 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I made a payment of {$100.00} on XX/XX/XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX at XXXX ( I was hung up after asking why they didn't apply to principal ) & XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I made a payment of {$400.00} on XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX and XXXX to have this payment apply to principal only. The company has refused to do as I have requested. 
I made a payment on XX/XX/XXXX of {$250.00}, I had called on XX/XX/XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I called on XX/XX/XXXX who could not tell me why the company moved the payments back to the monthly premiums. He stated he could request the funds to be moved back to principle and I declined since I've asked this 6 other times and the company failed to do what I've asked.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I received 4 separate emails that appeared to be from Wells Fargo Bank about an online application to open a checking account. I contacted Wells Fargo to notify them that I never applied online or in-person to open a checking account and have not authorized anyone to open an account in my name. The customer service representative stated that there was nothing that could be done to help me if I refused to give them my social security number. I terminated the call. I then proceeded to forward the email to Wells Fargo 's fraud/phishing email alert and deleted all of the emails. I did not click on any links within any of the emails. This is the second time I have received an email about an alleged online account application with Wells Fargo to open a checking account. I have a credit freeze on my credit report with all credit bureaus and it is not possible for anyone to open an account in my name. I then received a phone call to my cell phone and then to my home phone from XXXX claiming to be from Wells Fargo about an alleged account in my name. I blocked the number. I do not have any accounts with Wells Fargo, never have, and have not applied nor have I authorized anyone to apply online for a checking account with Wells Fargo on my behalf.

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 2022-07-12 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, Discover Financial, XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Santander Consumer USA, & XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation