vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
After a car accident Hyundai should send all documents to the XXXX company pay for the remaining balance. I called them every single week after the total lost and every single time we received some different information. On XXXX an employee from Hyundai told me that the case was all set, because the XXXX XXXX had all documents to pay the remaining balance so they turn off the autopay. For my surprise Hyundai reported me because there's a 2 bills with late payment. And this is not fair because they know that the responsibilitie for the remaining balance is under XXXXXXXX XXXX name not mine. Last week XXXX ( XXXX company ) sent to Hyundai a check with an overpayment but until now Hyundai didi n't received this check and they keep the information on XXXX regarding the late payment.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There has been inquirys addresses names that are not mine and have never been mine reporting on my credit reports and I have filed disputes and still no changes even though I submitted all the information to the credit brueros

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
incorrect information 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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are inquiries that I did not authorize reporting on my credit report. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXt XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I filed for a income driven payment plan on XX/XX/2023. My loan servicer ( Aidvantage ) still has not processed the paperwork. I have been notified that my first payment is due at the beginning of XXXX. I have called but I can never get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pivot Rock Solutions, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I was sent a letter stating Pivot Rock solutions, ( my debt handler ) was requesting insurance and be labeled as loss payee on my insurance. Claiming if they didnt they would buy insurance for me at XXXX XXXX a month. As I listed Pivot Rock solutions as a loss XXXX, my first payment on XX/XX/2023 did not have a program fee cost. On XX/XX/2023 I made a payment of XXXX $ had a charge of XXXX $ listed as program fee when asked at the time the attendant could not give me a valid description of the charge. The next month XX/XX/2023 a charge of XXXXXXXX XXXX on a XXXXXXXX XXXX payment. The latest payment of XXXXXXXX XXXX has a XXXXXXXX XXXX program fee that. when asked i was referred to a phone number and my deductible needed to be lower than XXXXXXXX XXXX and that I would have to figure that out with my insurance company. A debt collection agency should not have dictation of my insurance premiums as they are separate entities, much less pay themselves off of my money that is not going to the principal of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.

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 2023-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
I have started working with XXXX starting XX/XX/XXXX and my first check was returned by chime to my employer based on my name not matching with my new married name via the check. I updated it and figured it was fine, given the check had finally arrived on the XXXX after being returned on XX/XX/XXXX. 

This week, after submitting my hours done on Monday and payroll accepting it, others who have banked with the same Chime have gotten their check deposited with no issues. As of XXXX CST XX/XX/XXXX I have not received my paycheck of {$970.00}. My name is correct and updated, as per support has confirmed. 

Now I am not sure if the check has been returned or not as I have had two different support agents tell me that it was on the XXXX while another tells me it's still on its way and not returned. I find this entire ordeal unacceptable behavior as I have done my part in ensuring my information is correct as well as my employer releasing the funds. Chime has not cooperated in supplying my funds and has given me the runaround on whether it's been returned or not. 
My chime id is XXXX  XXXX I just want my paycheck so I may close my account and move elsewhere from the nightmare that is Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}

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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: First Colony Mortgage Corp.
State: UT

Complaint narrative:
Several times during this transaction this lender asked me if I would be legally using my property. Although I informed him I would live in my property as my primary residence. He kept asking over and over again. He threw out comments like : " The lender will drop by unannounced to check if you live there in the year after you close. '' Etc. etc. 
He advised I could use XXXX XXXX XXXX as a down payment and then altered what he said and even required me to update my commission used as a down payment in addendum in order to move the transaction forward. I believe he was discriminating again me based upon my race and a bias he had against me from the beginning of the transaction. 
He refused to order the appraisal until I updated my commission percentage received. 
He then-without my permission over two weeks later ordered the appraisal on rush and tried to push the fee to me without even confirming I wanted it ordered-stripping me of the negotiation power with the seller.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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:
I have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and Inquires that need to be removed immediately. 

Account Name and Account Number 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and Inquires that need to be removed immediately. 

Account Name and Account Number 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Vargo & Janson PC
State: CO

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against Machol & Janson LLC regarding their actions in relation to an alleged debt collection on behalf of the XXXX government. This complaint pertains to a series of incidents that have raised concerns about their practices, including potential fraud and harassment. 

I first encountered Machol & Janson LLC in XX/XX/2023, when they claimed to be representing the XXXX government in the collection of unpaid violations and liens. I was informed that the total amount owed had escalated to $ XXXX, despite my suspicions about the legitimacy of these claims. I took the following actions : 1. I contacted the XXXX government directly and paid all outstanding liens and violations online ( about {$600.00} ), as there was no record of any outstanding penalties or liens on their official website. 

2. I blocked the phone number associated with Machol & Janson LLC to prevent further harassment. 

3. Subsequently, Machol & Janson LLC continued to send numerous letters, all asserting that I owed them money. I remained vigilant and unresponsive. 

In XX/XX/2023, an individual appeared at my doorstep and served me with documents claiming to be a summons from the XXXX XXXX XXXX. This was the most alarming development, as I was unable to find any active case against me in the court records. 

Given the discrepancies between their claims and the official records from the XXXX government, I believe Machol & Janson LLC is engaged in fraudulent and harassing practices. They have misrepresented their authority, creating undue stress and inconvenience. 

I kindly request that you and the relevant department investigate this matter promptly. I believe Machol & Janson LLC 's actions are in violation of consumer protection laws, and their misrepresentation as a government entity is deeply concerning.

I am seeking the following actions : 1. An investigation into the practices of Machol & Janson LLC to determine if they are engaging in fraudulent debt collection and harassment. 

2. An official response confirming the authenticity of the summons they served, or assistance in addressing any illegitimate legal actions against me.

I sincerely appreciate your attention to this matter and the action taken to ensure that Machol & Janson LLC is held accountable for their actions, and no one will be deceived by their scams. Your prompt response and assistance in this matter will be greatly appreciated. 

Thank you for your time and consideration.

Sincerely, A US citizen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I deposited my IRS tax refund check into my BMO Harris account at the XXXX XXXX XXXX  location branch. My account was first frozen once I activated my debit card. After a couple days they completely froze my account. How can anyone make a phony tax refund check? I even showed proof with another IRS letter verifying the tax refund check amount. They still say it's suspicious of being fraudulent. Now I have no money and, on the verge of being homeless because of BMO 's mistake! Only response I get is call the fraud team. The fraud team is useless!

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been inquirys addresses names that are not mine and have never been mine reporting on my credit reports and I have filed disputes and still no changes even though I submitted all the information to the credit brueros

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There has been inquirys addresses names that are not mine and have never been mine reporting on my credit reports and I have filed disputes and still no changes even though I submitted all the information to the credit brueros

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 2023-10-21 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:
I checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My daughter and I looking for a place to live so that she can finish high school in a designated school district. I found an ad on multiple websites and proceeded then inquired for the unit availability and it was. Unfortunately, I am under a lot of pressure and burden to move out of my current living arrangement. I had to make a quick decision for my daughter and I to move out by the end of the month of XX/XX/2023. 

After contacting the said seller/owner of the unit, I was asked to commit to the said unit with a lump-sum payment of {$2400.00} via XXXX. This said seller/owner was a new person in my contacts and I was only allowed to send {$500.00} as a daily limit by my financial institution ; Chase. I had to break down {$2400.00} in to 5 separate payments : {$500.00} x 4 and a final payment of {$400.00} all made via XXXX. 

During these payments, I was in contact with said owner about meeting up and viewing the unit. I was promised to being able to meet up with this said owner to do a walk-through of the unit and to he provided necessary receipt and keys for the unit for my daughter and I to move in by XX/XX/2023. 

After last payment, all links to the unit were no where to be found on the internet and I found that suspicious. I started to do a little more digging on the said owner and his information and discovered that I had been scammed. Now I am out of {$2400.00}, about to be homeless with my teenage daughter. 

My attempt to contact J.P Morgan Chase Bank 's fraudulent department states that there is nothing that can be done since the payment has already been authorized and received by the recipient. I am beyond upset and torn to be in this situation with my daughter. Can someone please please please please help recover my funds as well as catching this said owner. 

Said owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said XXXX recipient : XXXX Said property address promised : XXXX XXXX XXXX # XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: OH

Complaint narrative:
RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND TRANSUNION, XXXX AND XXXX ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never sign a promissory letter with this agency. Please delete this off my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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