vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently checked my credit report and found some inaccuracies that are hurting my account. I was never late on any account listed and therefore need your help. If I understand correctly you will investigate these items for me to ensure accuracy.

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 2024-06-08 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX a charge from XXXX XXXX was used on my debit card for {$640.00}. On XX/XX/XXXX a charge from XXXX XXXX XXXX was used on my debit card for {$28.00}. On XX/XX/XXXX a charge from XXXX XXXX was used on my debit card for {$320.00}. I called Chase bank on XX/XX/XXXX to report my card as stolen. I didnt know I lost my wallet and my card was inside. The transaction I used on my account with my physical card was at XXXX XXXX XXXX for {$1.00}. I received a letter saying that all of the temporary credit I was provided will be taken on XX/XX/XXXX which is a total of {$990.00}. When I called the bank they said that they had deemed my transactions as authorized and that they will be sending information in 2 business days. I also asked if I can appeal but I will have to provide proof that my card was stolen. I reported my card stolen the second I noticed that it was stolen and dont know what other proof I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX Torres credit Srv, an entity Ive never even heard of brought my credit down XXXX points. The original creditor says XXXX XXXX  who is trying to collect money not owed as I just moved into my place with a current bill of {$35.00}. Previously Ive canceled services with them 2 years ago so I dont appreciate the attempt of being exploited over fraudulent information. Especially when Ive been identified as making very low income, this is making my life harder and emotionally stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I continually get called from Honda Financial Services. It is a recording asking me to call them about an urgent matter and they leave a number. ( XXXX ) I have never owned a Honda, nor plan to. I blocked the call. I still get recorded messages sent directly to my voicemail even though no incoming phone call is noted. So I called the number for Honda Financial Services and the person looked up my name and phone number and said she saw nothing and was puzzled why I was getting all these phone calls. She suggested I unblock the number and answer the call the next time. They have since called me twice and I tried to answer but there was no one on the line. I blocked the mnumber once again. I am tired of getting continual phone messages from Honda Financial Services! How can I get them to QUIT calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
WELLS FARGO EXECUTIVE CASE SPECIALIST : " XXXX XXXX SUBMITTED A FALSE LETTER DATED XX/XX/year>, IN VIOLATION OF A CEASE AND DESIST ORDER. THIS LETTER IS LACED WITH FALSE INFORMATION PROVIDED TO THE CFPB ( A GOVERNMENT AGENCY ) OF WHEN MY MONTHLY MORTGAGE IS DUE, ALONG WITH WHEN THE MOST RECENT ELECTRONIC SUBMISSION BY WELLS FARGO FOR THE MONTH OF XXXX XXXX4 OCCURRED. ALL APPLICABLE DOCUMENTATION HAS BEEN INCLUDED WITH THIS COMPLAINT. 

NEXT, EXECUTIVE CASE SPECIALIST, XXXX XXXX ACKNOWLEDGES THAT WELLS FARGO HAS A CEASE AND DESIST ORDER ON FILE, BUT CHOSE TO IGNORE THIS ORDER. WHICH IS ANOTHER VIOLATION. THIS ALONG WITH A PHONE CALL FROM A CASE SPECIALIST NAMED XXXX XXXX XXXX  THAT SAID TO ME THAT BECAUSE I FILED A COMPLAINT WITH THE CFPB, THIS GIVES WELLS FARGO HOME MORTGAGE TO CONTACT ME VIA TELEPHONE.

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 2024-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CO

Complaint narrative:
XX/XX/year> called to request purchase agreement from Hunter Warfield, if purchase agreement could not be provided please delete debt off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In the attachment you will see that the " date opened '' dates on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, show discrepancies. These inaccuracies are causing a negative effect to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: VA

Complaint narrative:
In the attachment you will see that the " date opened '' dates on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX show discrepancies. These inaccuracies are causing a negative effect to 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 2024-06-08 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: VA

Complaint narrative:
In the attachment you will see that the " date opened '' dates on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, show discrepancies. These inaccuracies are causing a negative effect to 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 2024-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions placed a {$1800.00} debt on my credit report but can not tell me what it is for and I was never received notified about this debt. I only found out about this debt when I saw it on my credit report. The representative, XXXX XXXX, that I spoke to on XX/XX/2024 never confirmed my date of birth before speaking to me. I asked what the debt is for. She said they do not have any details on what the debt is for. I asked why I had never received anything in writing from them before the debt what placed on my credit and she said they are not required to send me anything in writing. I asked what address they had on file for me. She read off my previous address however, it did not have my apartment number, therefore it was an invalid address. Any mail attempted to be delivered there would be returned and would not make it to the mailbox for my former apartment and could not be forwarded to my new address. When I informed her that the address they had on file is an invalid address, she said that it's my responsibility to update my address with the post office. When I started to explain that it wasn't my new address that was the issue but my previous one and that if they didn't have the apartment number on the address, it would be returned because that address is invalid, she cut me off, started raising her voice and said that she is not going to go back and forth with me about an address and that I need to pay my debt. I asked to speak to a supervisor. She said no one is available but she could transfer me to her voicemail. I left a voicemail and have never received a call back. I was never informed about this balance by my apartment complex or Rent Recovery Solutions before it was placed on my credit. I never had a chance to review the charges, dispute them, or pay them before they were placed on my credit report. Also, considering it was my previous apartment complex from which this debt originated, they obviously had my apartment number. So Rent Recovery Solutions did not enter it correctly and still reported it to my credit even though it the letters were being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies in my credit report. I have identified multiple accounts with errors related to payment history, balance accuracy, debt validation, and discrepancies in the date of last payment or activity. Despite my efforts to resolve these issues directly with the credit bureaus, they remain uncorrected. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure a thorough investigation and resolution of these discrepancies. The following accounts are in dispute : XXXX Accounts XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX TransUnion Accounts XXXXXXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX I have requested the credit bureaus provide the complete payment histories XXXX validate debts, verify balances, and correct discrepancies in dates of last payment or activity. Additionally, I have asked for the removal of any charge-off or collection remarks where applicable. I seek CFPB 's assistance in ensuring these errors are corrected promptly to reflect a fair and accurate 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 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received .These collection agencies are very reckless by just placing accounts on consumers credit reports without sending them any written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
XXXX withdrawals from my checking account were made for a total of {$28000.00} from dates XX/XX/year> - XX/XX/year>. All XXXX withdrawals are fraudulent transactions as part of an online scam conducted by a company that cited themselves as " XXXX ''. 
The contact information I have from " XXXX '' are : " XXXX '' ( which identifies herself as " XXXX '' ( XXXX ) XXXX " Customer Service '' ( XXXX ) XXXX. 
I contacted US Bank XXXX XXXX regarding this scam to which they responded that they have given me provisional credits for the entire amount of {$28000.00}. I did not choose to use this money right away, so I let it sit for a few days. Then suddenly US Bank closed my XXXX account without my consent or knowledge, mailing me a cashier 's check for the amount that was in the account ( {$180.00} ). Thinking this was a mistake, I called US Bank and was approved for a new savings account. I spoke with a XXXX and her XXXX at the US Bank XXXX XXXX in XXXX. XXXX is XXXX XXXX and XXXX is XXXX XXXX. XXXX asked me to " step in her office ''. Thinking she was going to be helpful with the situation, she was not. She only looked at my account on her computer, turned to me and said, " you're lucky I don't close your checking account too ''. I was shocked by her response then she said. " Is there anything else I can help you with? '' I replied no and walked out of her office. This happened on XX/XX/year> in the US bank XXXX XXXX XXXX. Then I found out my checking account had a block put on it, also without my consent or knowledge, despite receiving letters from US Bank fraud office saying that I would have full use of my account for the duration of investigation. Now I am receiving letters, one at a time, of US Bank denying me refunds of fraud that occurred on my checking account saying that I have received " services '' for these transactions. I have received nothing for any of the XXXX transactions, no goods or services.

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 2024-06-08 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: CA

Complaint narrative:
Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at TransUnion who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 32 open and closed accounts reporting on my credit reports XXXX and XXXX. I have established credit for more than 3 years and Equifax is not reporting a score or a report on my behalf. I demand that they investigate this error and correct it by reporting a score and a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I had a card with Netspend and I had mine refunded money and included my benefits from social security came to the card they refused to give my money back and which was stolen out of the account and they closed without doing anything about it and I need all my money back so I can pay my bills please thats not fair I wake up all my money gone

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 2024-06-10 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2024-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tally Technologies
State: NY

Complaint narrative:
I have received numerous predatory emails over the last two years from this company ( see attached ) and no offer to resolve my issue. I have received emails, which I have attached screenshots of, claiming my account was in collections, claiming my account will be charged after a certain date ( see attached ), but these are false claims, and the account continues to remain with the original creditor accumulating excessive interest charges. 

I have asked multiple times for a payment plan with a lower interest rate, and have gotten no offer of help in that regard. In addition to the false and predatory claims this company has sent me. 

I reside in New York, where these companies must comply with strict laws regarding lines of credit, predatory lending and predatory collection efforts. 

I have a lawyer lined up and ready to fight this company if I do not receive a satisfactory response and resolution to this complaint.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: WI

Complaint narrative:
I have over the years tried and tried to have these inquiries removed but they have not removed none of these inquiry for one they didn't get permission from me or they organization to have anything on my credit file hard inquiries and a lot of the credit 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 explanation
Consumer complaint received 2024-06-08 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: Credit Karma, LLC
State: GA

Complaint narrative:
My account with Credit Karma money spend was debited {$5000.00} on XX/XX/24 without my permission. I tried to dispute directly with the company but was denied and told the following : We have completed our research regarding your dispute and have determined that no error occurred. Regulation E only covers unauthorized electronic transactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. 
Please be aware that you have the right to request copies of the documents that we used to make our determination. 
We apologize for any inconvenience this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for being a valued Credit Karma member. 


Please assist me in the recovery of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America reported a delinquent payment on my credit report without sending me a statement or any default notice. It is my understanding that this is a violation of the Fair Credit Billing Act Part D 1666 ( b ) 6. 

I only learned of this past due payment from an XXXX alert telling me I had a negative item reported. I pay my charge card off in full every month. The month the payment wasn't made Bank of America did not send a statement. I can't make payment on a bill I don't know I have. There was no statement in the mail, text alert or phone call. 

Once I received the XXXX alert I immediately contacted Bank of America and paid the {$66.00} credit card balance. After lengthy investigation with Bank of America, they advised me over the phone that my account was switched to paperless billing and that they can't find authorization from me to switch and it appeared to be a system glitch on their end. 

They have told me numerous times they will update the credit report but they haven't done so yet. It is unfair companies like Bank of America can report a negative event on a credit report without first sending a bill or notice of payment due, or notice of default to the consumer. 

They have refunded the late fee and interest charge related to this payment. I'm requesting your help in correcting their credit reporting to XXXX, XXXX and XXXX. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief