vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX and eqifax are validated my disputes with out investing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: MoneyLion Inc.
State: SC

Complaint narrative:
I had just gotten paid the morning of XX/XX/XXXX XXXX was in process of paying bills at the time of this accurance, I get a text from money lion the institution I had my check direct deposited into saying my account was running low please deposit or make a transfer. I immediately logged on to find {$750.00} was missing from my account and was sent XXXX. I call the bank they say we will file a claim, XXXX days later a loan for {$500.00} was issued to whom ever when all said and done {$1900.00} is what XXXX account was saying that I owed. XXXX was contact only by email, they have no phone number stating that they need account info and date and etc, will investigate and respond as soon as possible, meanwhile between the XXXX institutions somehow a decision was made that no error accured. XXXX then contacts me saying I need to have the bank contact them with the information to do a charge back so I ask money lion they make me open another claim getting the same answer and told me that it's not up to them and the information was given but the no error accured decision was made and the charge back wasn't going to be made so I should ask for a refund. XXXX said they will only contact me if nessesary and fir me to get my money back the bank must contact them. A month has passed the companies seem to think I did this to myself and I still have not been refunded anything.

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 2022-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.

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 2022-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX claimed in CFPB case # XXXX that " In accordance with the Fair Credit Reporting Act, entities who have certified to XXXX that they have a permissible purpose may inquire about credit information. '' SYNCB/XXXX XXXX XXXX  did not have a permissible purpose to inquire about credit information. According to federal law, XXXX must be able to verify that SYNCBXXXX XXXX XXXX  had a permissible purpose and, if none exists, must remove the hard inquiry from the report within 30 days. The consumer has verified from their end that there was no permissible purpose. Via phone, SYNCB/XXXX  & XXXX claims that someone applied for credit using XXXX 's credit report, which would be illegal without XXXX 's XXXX consent ; SYNCB/XXXX XXXX  XXXX already acknowledged this but has not taken action to fix this. XXXX 's reply to CFPB case # XXXX also states, " Please contact your local Attorney Generals office for further information regarding your specific state laws. '' The consumer should not have to go to their local Attorney General 's office before XXXX provides a non-templated/canned reply, as they did in CFPB case # XXXX, to the consumer complaint. 

SYNCBXXXX XXXX XXXX shows up as a hard inquiry on my XXXX credit report. SYNCBXXXX & XXXX had no lawful reason to perform a hard inquiry on my credit report nor did XXXX diligently prevent unauthorized or unlawful access to my credit report. SYNCB/XXXX  & XXXX Additional details Business type Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Case ID XXXX Disputed amount {$310.00} USD Transaction ID XXXX Transaction amount {$310.00} USD Transaction date XX/XX/2022 Seller name XXXX  XXXX XXXX The merchant, XXXX XXXX XXXX, agreed to comply with the dispute, acknowledging the grounds for the dispute ( the merchant had sent an item that was significantly not as described ). The merchant had not provided a return label as a part of the dispute process. PayPal wrongly continues to hold the consumer liable for an incorrect product delivered by the merchant, which goes against consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I receive notice that I had a new address on my credit report and it was across the country in XXXX Im in XXXX never been there I called because I was getting calls I signed for something and my XXXX been hacked and my Experian account been hacked that day and I need to reset my password so as I learned about the address they said XXXX account was under that address then they said I had to verify my account he said I didnt and they will send me something weeks later I get a credit report with the wrong middle name then found out Im in XXXX data breaches XXXX  and credit bureau and Im dealing with someone then I have a school on my credit report around the time they stole my information and ran up my debit card yes of this is to much I have credit cards and accounts seems high not sure all them changes is mine please get me out this mess find out who has my information and why am I getting so many breaches

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I originally had a late payment XX/XX/2022 in the amount of {$99.00}. I was going to pay the entire credit card off and close the account XX/XX/2022. I talked with a representative and they advised if I had paid {$100.00} they would delete the late payment from XXXX. However, they never did. I talked to a supervisor and tried to dispute but they insisted that they couldnt take the late payment off. After someone told me that they would, they even placed me on hold In XXXX to talk to someone higher up so Im not under standing where the confusion had gone. I asked if they could look in to the recorded call from XX/XX/2022 to investigate and they refused. When all calls are recorded and monitored. This is with XXXXXXXX XXXX XXXX. I even have a dispute report where they had changed the late payment from {$99.00} to {$0.00} being past due then a month later changed it back to being past due. The confirmation number with XXXX was XXXX. Where they reported {$0.00} for XX/XX/2022. Then XXXX is the confirmation number with XXXX where they put it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CT

Complaint narrative:
Write a check for {$1900.00} on XX/XX/XXXX, called Key Bank to put stop payment on check, fee of {$34.00} was debited out of said account for service. On XX/XX/XXXX, the check was cashed out of my account. 
Key bank is refusing to immediately put the money back in my account after they see that they are in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX Called PHH Mortgage Services to discuss Escrow Analysis. PHH is stating an Escrow shortage and an increase of $ XXXX beginning XX/XX/XXXX. PHH does NOT pay the Homeowner 's Insurance, I pay in full directly to XXXX XXXX XXXX The taxes on the property are only increasing by $ XXXX for XXXX. 
PHH Agent XXXX reports that PHH gets tax information online and does not receive hard copies. Agent XXXX further reports that PHH is paying more in tax than my tax bill states and I need to go to the Tax Assessors ' Office to settle the dispute. 
On the attached documents, it is evident that PHH is using the same tax amount for the XXXX Quarter taxes, {$1400.00} as was paid for XXXX Quarter taxes ( {$1400.00} ) when the actual amount owed to the XXXX for the XXXX Quarter is {$1100.00}. 
On the attached XXXX document taxes do not appear to be paid for the XXXX Quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the date of XX/XX/XXXX a hard inquiry was placed without my permission, as soon as I found out I contacted the credit bureau to have it removed but couldn't I then put a freeze on my credit. I was told I needed to contact the finance company in question witch I did they said I needed to contact the person who submitted the application witch I did and I have a response. I didn't give out my SS # and don't understand how they can do this with out it. When he submitted the application it wouldn't go through because he didn't have my SS # and he wanted me to fill it in and I refused to give it to him. When I contacted him he said he would have it removed. How can this be so easy to do and like XXXX to remove?

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 2022-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
I have a car loan from Ford, and they are currently violating UCC codes 1692 d, and specifically 1692 f ( 6 ) by sending a tow truck driver to my sons house on Thursday, XX/XX/2022, to repossess my vehicle. More detail : My grandchildren saw an unknown man on their property looking into their personal vehicles through windows and violating their privacy and sense of security ( XX/XX/2022 ), knocked on the front door and spoke with my son 's mother-in-law. This unknown man asked if she knew me ( he spoke my name ). So, they are trying to harass me and my son, by taking this/ these actions ( UCC 1692 d ). 

This company also somehow located my unlisted new residential address, which I have not divulged to anyone but the XXXX XXXX, my bank, and my son. How did they obtain this address? They proceeded to affix a bright yellow notice on the doorknob of the front door of my residence, in an attempt to shame me among my neighbors and friends with its bright yellow color, details about my vehicle loan, and a case number. All of this info, including my first and last name written out out in large print, were open to public view, with an eye-catching bright yellow colored background. 1692 d I also sent a payment, tendering a negotiable instrument ( UCC 3-104 ) in the full amount of the remaining loan, as of XX/XX/2022. I am protected under UCC codes 3-306 ( Claims ), 3-311 ( a ) + ( d ) ( Claim is discharged ), 3-603 ( no further interest after date of this payment ), and finally, 3-602 ( payment ).

They have not returned this negotiable instrument, so have accepted it. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-11-12 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: CA

Complaint narrative:
I was Dispute Credit card XXXX XXXX XXXX XXXX XXXX  maybe more than 4 time with XXXX and I was contact to creditor more than 3 time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and Equifax and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I closed an American Express account XXXX ago. In XXXX I received a credit on the closed account of {$1900.00}. American Express mailed me a check since the account was closed. Then in XXXX American Express sent a statement saying I owed {$1900.00}. Then used my past bank information and auto debited my checking account for the {$1900.00}. My issue isnt that they asked for the money back they mistakenly sent me, its that they used my financial information without asking. I closed my account though they still allowed someone else to make a payment to it and kept my checking account information. What does closing an account mean? I thought my account is fully closed and my financial information like a checking account would be removed. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened the XXXX XXXX XXXX- with Comenity Bank. 
As part of the offer- you are supposed to receive 4 % cash back on your purchases to be redeemed only at XXXX. 
The rewards only last a certain amount of time. 
I had XXXX $ that was supposed to expire on XX/XX/2022. However when I tried to redeem my rewards on XX/XX/2022 - my balance was XXXX XXXX 
The bank had technical issues that week/weekend was the reason I was told. I have been calling and emailing for over 4 months to try to get this issue resolved. Many times I have had my calls disconnected. 
This is the worst Credit Card Company/Store Card - it is unfortunately a poor reflection on XXXX as they are chosen to use them and do not offer any customer support to solve the problems caused with their Companys chose CC Banking establishment .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 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: TN

Complaint narrative:
XXXX XXXX XXXX customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.

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 2022-11-12 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Amex/Citibank , N.A customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.

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