vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I mailed a letter to TransUnion and XXXX disputing the following inquiries on my credit report : TransUnion : 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 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 Despite including a copy of my Social Security Card, my State ID, and my signature on the letters, TransUnion still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from TransUnion past that point. It has been well over 30 days. 

On the same date, I mailed the same letter to XXXX with the incorrect inquiries they had listed. XXXX NEVER responded regarding the 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 2023-08-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I have a Visa {$200.00} Gift Card from Vanilla Gifts and I am having trouble checking the balance and activating the card on their website. Their website has no customer service that I can email this problem. 
My account number is XXXX. 
I have attempted to activate my gift card using their website from multiple web browsers and clearing the cookies and cache.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE

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 2023-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
I have a complaint with Flagstar Mortgage company and their staff. On Friday XX/XX/2023 I reached out to Flagstar Mortgage who currently services my home mortgage and asked if there was any short term assistance with getting my mortgage caught up as at the time it was only a few days late ( not more than 30 days ). One of the representatives from Flagstar I spoke with presented a few options and one of them was a forbearance due to a weather event in my area ( XXXX, TN ) which would allow me to catch up the payment and I said this would definitely help. I agreed to this but I should have known something was suspicious because the agent told me I would still receive phone calls from Flagstar about my mortgage payments being due. 
Fast forward to XX/XX/XXXX, XXXX received a letter from Flagstar stating I missed my mortgage payment for XXXX and I need to enroll in a program to stop potential foreclosure. I called them back immediately and after speaking to another agent I found out that the forbearance was applied from XXXX to XXXX already ( while I was still current on the loan ) and the offer from the previous agent was not a real option and I had to enter into a agreement to pay a lot more over three months to get the mortgage caught up. How could a company be so unprofessional- I wouldve been fine if I was told the truth back in XXXX, but because of this companys incompetence, I know will have a late payment posted on my credit report and Im in a bigger bind. I will pass the word to friends and family to stay far away from Flagstar

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 2023-08-12 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: OH

Complaint narrative:
On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing the following inquiries on my credit report : XXXX : Certified Credit Reporting ( Miscellaneous ) - XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX Equifax Mortgage Service XXXX XXXX ) - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Miscellaneous ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX ( Bank ) - XX/XX/XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Equifax Mortgage SER - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Despite including a copy of my Social Security Card, my State ID, and my signature on the letters, XXXX still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from XXXX past that point. It has been well over 30 days. 

On the same date, I mailed the same letter to Equifax with the incorrect inquiries they had listed. Equifax NEVER responded regarding the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I set up autopay for my mortgage payment with PHH Morgtgage XX/XX/XXXX. It was never processed. In XXXX I received a notice on my credit report that my payment was delinquent over 30 days and my credit score dropped 1 plus points. PHH mortgage claimed to have sent a letter ( which I don't recall ever receiving and I work away from home as a truck driver ) ... I don't recall ever receiving an email, text or phone call indication that I missed my XXXX payment. In the past few days ( this week ) I got several phone calls from PHH mortgage but they never left a voicemail. I often receive sales calls from PHH indicating that I can use the equity in my home ; therefore it never occurred to me that I had a missed payment. Now my credit is destroyed over a simple miscommunication and they claim they can not reverse the negative reporting.

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 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have three separate accounts with Amex personal use, primary bills, and business. I have been receiving limit reductions for all account despite never missing a payment, and I had an issue with one card and Amex froze all accounts/cards which ultimately impacted my credit and completely severed my ability to purchase basic necessities. 

Amex then reached out demanding XXXX $ or else they would continue reducing account ( this is by legal definition coercion which is illegal ). I informed Amex of this and that my wife and I are due for our first baby this week and we can not risk having cards frozen or paying such a large sun when we already live paycheck to paycheck. 

I have spoken with Amex about interest reductions as well and am being charged 400 $ + a month in interest. At this pace I am fearing potential bankruptcy and inability to support family when I have been a consistent user for almost ten years and have never defaulted a payment. All of this has occurred from XX/XX/2023 to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was recently a victim of stolen identity and someone obtaining a credit card in my name which did damage to my credit. I disputed this with the credit bureaus and the bank. The credit card was removed by all three credit bureaus. For over a month I have paid down my two existing credit cards by thousands of dollars yet Experian still has not reflected the correct balance on my report and they keep lowering my score for no reason since the identity theft. When I file a complaint they ignore it. These companies can destroy our lives doing this and it's just not fair. Neither XXXX or XXXX is doing this. It's only Experian. Can you please assist with this because people can't fight back if they're ignored. 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 explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly request the three major credit bureaus to cease reporting the following account information to my credit profile, in accordance with my rights and relevant laws. I am also seeking to understand the legal protections available to Americans in relation to debt collectors and reporting agencies. Below are the account details : Creditor : XXXX XXXX ( XXXX ) Amount : {$1400.00} ( Negative ) Round : XXXX Sent Account Information : Account Number : XXXX Status : Closed Credit Limit : {$0.00} High Balance : {$1500.00} Payment Amount : {$0.00} Last Payment : Not Available Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Charge-off Past Due : {$750.00} Worst Rating : Not Available Remarks : Charged off as bad debt Canceled by credit grantor In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I am interested in understanding the legal provisions that safeguard Americans from the actions of debt collectors and reporting agencies. Your assistance in this matter is greatly appreciated. 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 non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.

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 2023-08-12 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: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.

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 2023-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My credit rating changes everyday and surprise interest payments all the time. XXXX from XXXX XXXX in XXXX XXXX mi works in XXXX XXXX and admitted to running my credit cards up and costing me my job. I don't know how he can do this. Please look into this. Suspected bank fraud as well. XXXX XXXX admitted to it. XXXX XXXX XXXX is my bank in XXXX mi. Please look into this. Also there is someone giving ot my information on the dark web. Not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
When applying for the loan, on XX/XX/2023, I was told the funds would be deposited into my bank account on the following business day. I asked it that would be XX/XX/2023 and I was told yes, the funds would be in my bank account by the end of the day on Friday, XX/XX/2023. 

On Friday, XX/XX/2023, at XXXX, I called Lendumo and the automated recording said that the funds had already been deposited to my bank account. I checked my account and the funds were not there. I then spoke with a live representative and was told the funds would be deposited by Monday, XX/XX/2023. I told them thats not what I was told when I submitted my request for the loan and I would like to cancel my loan because waiting until XX/XX/2023 would not help me. They told me I have to wait until the money is deposited into my account before I can cancel the loan. I told them I would report them to the CFPB. 

They say that they record all calls, for quality assurance, so they can share the recorded conversations with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I got a loan with Hyundai Motor Finance Company and they have put incorrect information on my credit report. I've called multiple times and they still keep giving me the run around. Talking you can't talk to no body there about the problem over the phone. You have to send a letter to their P.O. in XXXX XXXX California and wait 2 months for them to get back to you about the problem. I had a XXXX XXXX  to call then to verify that according to my payment history the information they posted on my credit report is incorrect. But they wouldn't answer any questions concerning the matter. Which is causing me a problem with my home loan process. I wouldn't recommend XXXX XXXX XXXX  to anyone!

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 2023-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: SC

Complaint narrative:
I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX  XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. 
I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. 
They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX  I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX  XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX  XXXX XXXX account despite they will close 2nd XXXX account. 


Bank website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation