vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: DC

Complaint narrative:
XXXX DISPUTE Important dates : XXXX - Lease matured, discharged from hospital XXXX - vehicle turned in via TOW TRUCK with receipt/GPS data XXXX - XXXX XXXXl letter received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX disputing debt owed and that I had turned in the car to XXXX XXXX Have phoned XXXX XXXX at this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXX - call XXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take 72 hours to deliver XXXX - reach out to head sales manager who has yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Experian has stalled the process of removing the following unauthorized inquiries on my account. 
XXXX. XXXX CO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX This process has been stalled and I have been mislead and lied to since XX/XX/XXXX. After checking my credit report and contacting them, I was advised I must send a police report and/or identity theft report. They have received both forms and I have contacted Experian over 30 times since the month of XXXX. They advised me once they receive the report these unauthorized hard inquiries will be removed. Now they are say that because I have an open auto loan that these inquiries are corresponding. That is false. These inquiries are FRAUDULENT. I have explained these inquires are from a several different dealerships who fraudulently ran my credit report. These dealerships are not correspondent with my open auto loan. They did not contact the above creditors to check my credit. The above creditors were ran by different dealerships for different transactions that are FRAUDULENT. I DID NOT CONTACT THE ABOVE LOCATIONS TO REQUEST ANY PURCHASE. YOU ARE DENYING ME OF MY LEGAL RIGHT BY NOT REMOVING THESE HARD INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On numerous occasions with Wells Fargo Bank I have asked them how can they show a payment as approved in my transaction list and then later something else hits and they do not pay the previous item. I was charged fees by Wells Fargo and also the entity that I had no idea was placing a charge to my account. I stated I do not think it was fair for them to approve something that I was aware of and reverse it after the fact. Why would they pick and choose instead of giving a notification to me because they have called me to verify a charge before by calling me. I started taking screen shots and also turning my card off when I do not make purchases for people who attempt to take payments without my permission but did have my card. Wells Fargo even paid things from my account when my card was turned off and I have asked them how can they do that when I have a screenshot of the date the card was off and when it got turned on. I was told if I gave the card out to a company they can use it when they chose to at will. I replied each time if the card is turned off you are still not supposed to allow the charge to take place. They said it was not true. I was told that a charge can transpire if they had my routing and account number only and that was why I started assumingly protecting the account from charges that could make my account go into negative status like a banker told me there before and turn it off. They keep changing on me. It is not fair and I am struggling to survive as is. Help me please.

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I noticed fraudulent activity on my American Express account. I disputed the charge with American Express and then requested they close my account afterwards. I received a confirmation letter indicating the account was closed. Several days later, I received a bill from American Express for an unrecognized American Express account. I attempted to resolve the matter with American Express, however the representative requested I provide them my SS number. Since I believe the source of the security breach is American Express, I am highly reluctant to provide my SS number to an overseas call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I took out a title loan from title max a few times over the last cpl.years and although very expensive, I always managed to repay it in full. This last time, I became unemployed and struggled with the monthly payments, staying about a month passed due and then in XXXX XXXX, I became two mths passed due primarily bc of the holidays and having to have stuff for my child 's XXXX. I always sent money to my loan even if it was only XXXX amounts. I had always finished paying off my loans in the past with my tax return. I was planning to do that this year too and they came and got it in XXXX. Left to take my daughter to school one morning and it was gone! I received a letter in the mail that it was sold at auction on XX/XX/XXXX for {$1700.00}. 
What's particularly odd is I initially took out the loan in XX/XX/XXXX for {$4000.00}. The amount still due on the account prior to them auctioning the car was XXXX STILL! Meaning none of the monies they received from me in XXXX went to the principal and it was approximately XXXX per month. Also, the inside of the car has my child 's car seat in it as well as other belongings of ours. Not once did anyone call me from titlemax. Not before or after the car was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This card is eligible for a {$10.00} statement credit each calendar month when used to pay an eligible phone bill. 

I used this benefit without issue every month in XXXX and XXXX so far, and every single time the {$10.00} credit posted to my account within no more than 7 days. 

However, I have not yet received the credit for a {$10.00} XXXX XXXX charge from XX/XX/XXXX despite it being over 9 weeks since then. 

I have contacted American Express multiple times to get this cleared up, and have gotten answers including " you're right, we'll apply the credit to your account in a few days '' ( which never happened! ), " you're wrong, the credit posts for the previous month every time '' ( which isn't true ), and " we opened a case [ XXXX ] to investigate '' ( which they claim is still ongoing ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is regarding the Ulta Ultimate Redwards Credit Card, handled by Comenity XXXX XXXX. I paid my full balance off in XXXX on XX/XX/XXXX & the balance left on the account was {$150.00}. I owed {$0.00} after this payment. I noticed i received something in the mail in XXXX & it said i owed {$14.00}, which i could not understand why, yet i did pay this full payment on XX/XX/XXXX. After this payment of {$14.00} was made, it showed a {$0.00} statement balanced owed. I have screen shots of both of these payments reflecting i Paid in full. When i got more letters in the mail about a delinquent payment, I contacted Comenity. After speaking with a rep today, she could not tell me with full confidence why I even had to pay the {$14.00} balance, when I had previously paid my full balance of {$150.00} in XXXX, not using my card SINCE XXXX. She confirmed this is a {$0.00} annual fee credit card type & mentioned it seemed these payments were pulling from the original {$14.00} I paid in XXXX being " late, '' even though I am fully aware the late payments that are paid in full do not reflect on the end of the month statement. I reported this through XXXX XXXX but if the XXXX points that was unjustly removed from my credit score are not correctly added back to the account in a timely manner, I will have to get lawyers involved. Reporting this to this bureau to follow suite & I understand this is apart of the process I must follow, in the case that I must file a lawsuit. I will allow this agency to correct this mistake but if by XX/XX/XXXX this has not been corrected I will take full action against this corrupt crediting agency for falsely marking my credited payment as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld sent me to collection without following legal process for intent to dispute as I have no knowledge of this account.

the Fair Credit Reporting Act ( FCRA ) governs how consumer credit information is collected, reported, and used by credit reporting agencies and other entities. Under the FCRA, a debt collector is required to notify the debtor in writing before reporting the debt to a credit reporting agency.

Specifically, Section 623 ( a ) ( 2 ) of the FCRA states that a debt collector must provide written notice to the consumer " before the expiration of the 30-day period beginning on the date on which the debt collector acquired the debt, that unless the consumer disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' This notice must be provided in writing and must include information about the debt, including the amount owed, the name of the creditor, and the consumer 's right to dispute the debt. If the consumer disputes the debt in writing within the 30-day period, the debt collector must verify the debt before reporting it to a credit reporting agency.

As a result, this business failed to provide a documentation which gives me a legal rights to fight this in court for violation of my rights, and messing up my credit score. Respond to this letter to avoid further legal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Since last year, I have been trying to get the PMI removed from our loan. This was in process when we got switched to a new servicer, Freedom Mortgage. We made additional principal payments to bring our balance down to approximately 79 % of the original purchase price and sent multiple messages to Freedom Mortgage requesting in writing that the PMI be removed as required by the Homeowners Protection Act. They replied that we would still need a Brokers price option per investor guidelines and sent us a letter instructing us to pay {$100.00} to remove the PMI. This is despite the fact that home values in our neighborhood have risen considerably and our loan amount is less than 80 % of the original purchase price.

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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had to retire early and started drawing my SS. My pay checks were going into my checking account every week. I got a letter letting me know they closed my account. Of course I didn't know if I had a leg to stand on so I didn't report it, But I called the bank and talked to a lady and she said that I was no longer beneficial to the company any more so they closed my account. This has been five years ago but I felt I could try. It made me feel like gutter trash.

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 2023-02-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. 


I am demanding that these inquiries be DELETED immediately. 


The inquiries are noted as follows : BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately. 
BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NJ

Complaint narrative:
I recently returned to the US and learned of an a XXXX account that doesn't belong to me. I filed the necessary reports and would like the accounts removed from my personal consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
MY SSI CHECK FOR XXXX WAS DEPOSITED INTO MY ACCOUNT AND THE BANK REFUSES TO MAKE THE FUNDS AVAILABLE TO ME. THEY ALSO REFUSE TO SEND THE CHECK BACK TO SSI. I AM XXXX XXXX AN I NEED THE FUNDS TO BUY FOOD AND PAY MY RENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: 950 Credit Inc
State: IL

Complaint narrative:
I was told I could move out of my apartment early by XX/XX/XXXX by my landlord. I accepted and moved out. The landlord contacted a collection agency and is reporting that I am not paying rent for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been out of the apartment since XX/XX/XXXX. I emailed them and left the keys on the kitchen counter in the apartment. There were numerous issues that they never fixed so I withheld the last month rent which is my right by tenants rights. I filed a 311 complaint about brown water in XX/XX/XXXX. Had leaking vents on the back porch in XX/XX/XXXX. None of this was addressed. Their answer was to tell me to move out early and not renew my lease ( which was up in XXXX of XXXX ) I have contacted the credit reporting agency numerous times and sent them all of my emails and texts from the landlord and myself. I have included the letter I sent to the landlord certified and emailed and hand delivered declaring my acceptance of their offer and my withholding of the XXXX rent due to lack of attention to complaints. They told me that the landlord will not remove the charge and they will no longer talk to me. This has been going on since XX/XX/XXXX. I need help please.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 

15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 

15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
Transunion is reporting negative inquiries on my consumer report illegally without my consent. Inquiry details 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 2023-02-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and 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 2023-02-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation