vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: SC

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX  the accounts listed on my attachments 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 an account without my 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 late for any purpose.

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 2023-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLSFARGO STILL HAS NOT ANSWERED MY COMPLAINT VA REP XXXX XXXX XXXX XXXX XXXX  SAID VA IS OVERIDDING THE CAP AT 3 LOAN MODIFICATIONS! LETS HAVE A 3 WAY PHONE CALL! DONT CARE ABOUT HOW MANY LOAN MODIFICATIONS WERE DONE! WELLS RESPONDED BACK WITH NOTHING THAT I HAVE REQUESTED! AM A VETERAN LOAN MODIFICATION CAN BE DONE! SEE PROOF OF ANOTHER VA LOAN MODIFICATION 4TH ONE! WILL PUT IN STATE COURT! RIGHT THING TO DO IS MODIFY LOAN AND DONT WANT TO BE DISCRIMIATED DUE TO 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 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XXXX I checked my credit profile and notice that a collection was on my report from SOUTHWEST CREDIT SYSTE ( Original Creditor : XXXX ). I have never had XXXX or any affiliation with this company so someone had to use my identity information to obtain this account and I need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX as well as the consumer reporting agencies for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$14000.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$14000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$11000.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$10000.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting a full deletion of this account from all credit reporting agencies due to their negligence in not conducting a proper investigation into the account, and to account for the negative impacts this incorrect reporting has had on my credit score. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.

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 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I opened an account with Ally Bank, there was a promotion of 1 %, I put XXXX in the account and never received the {$100.00}. I have been told that they payouts started and mine would be in by XX/XX/XXXX. No payout at this time. Customer service had stated they had issues and since its less than 24 hours with no response to place the bonus in on the money that was kept through the promotion deadline XX/XX/XXXX and still there.

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
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX I noticed several checks written against my account, signed by an unauthorized person and cashed from account. Several checks went through in the amounts of {$900.00}, 2 checks for {$700.00} and one for {$500.00}. Filed police report ( XXXX ). Spoke with XXXX XXXX at the bank and stated I was going to have this money sent back into my account within 7-10 business days. Then, the status changed where I needed to sign a form, have it notarized and sent back to state employees credit union. I'm currently in sc ( travel nurse ) and explained this to the representative. They couldnt send these forms to my address, it had to be the one on file at the bank. I filled out the forms, notorized it and sent it in. End of XXXX, I receive a phone call from assistant bank manager. Called back, no response in XXXX. Called back 3x more, still no return call until XX/XX/XXXX stating it's been too long and the credit union no longer can assist me past 60 days. Now I have to go after the person who stole money out of my account with CLEAR checks that were written without my signature, name, authorization and even printed in checks with incorrect spelling. I need assistance to get my money back that the credit union did not protect or follow through with protecting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX XXXX  I filed a dispute with XXXX, XXXX and XXXX regarding my payments had stop and were not being reporting from my credit card with Comenity BankXXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX XXXX Credit Bureau informed me that Comenity BankXXXX XXXX had removed my account from my credit report. I called XXXX on XXXX XXXX XXXX  and was told they could not reinsert my account. They told me to call Comenity Bank/ XXXX XXXX and I did both Comenity Bank/XXXX XXXXXXXX and XXXX are refusing to correct this problem which is hurting my credit score. I have been communicating with XXXX and Comenity BankXXXX XXXX from XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. XXXX asked me to send the correspondence from Comenity BankXXXX XXXX they had contacted XXXX and I submitted supporting documents of my active and good standing account with Comenity Bank/XXXX XXXXXXXX but nothing has been done. My entire credit account is removed ONLY from XXXX. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. Comenity BankXXXX XXXX is stating they are reporting to XXXX but if there is no account with XXXX what are they reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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 — Their investigation did not fix an error on your report
Company: Southwest Recovery Services, Inc.
State: MD

Complaint narrative:
I'm filing another complaint against South West Recovery Services. CFPB closed my original complaint because the company responded. This is just a tactic to have the complaint closed by the company submitting anything even though it doesn't support anything. Southwest Recovery Services has yet to provide a sign contract BETWEEN ME AND SOUTHWEST RECOVERY SERVICES. I have not conducted any business with this company. PLEASE PROVIDE THE CONTRACT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: AL

Complaint narrative:
I am currently enrolled in a debt settlement program. I notified the debtor, Lendmark Financial at the time of enrollment and provided the information to the company. On XX/XX/22, I received a call from XXXX at Lendmark to discuss my account. I informed her that I was enrolled with XXXX XXXX and she stated that the information was notated on the account. At the end of the conversation, I asked XXXX politely to not call my job again and to contact me via my personal cell. Less that XXXX minutes later, I received a call from Lendmark again, XXXX was the caller. I asked them why are they calling my job after I specifically just asked them not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an account without my 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 late for any purpose.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I can not reach these people by phone. They do not respond to my email. They send me a bill every month by email but I can not access the account to view my interest rate or update my contact info. The flagged my card as fraudulent when I moved. I sent my information to the only address I had for them which is in XXXX, Ohio. I can only pay my bill now through the XXXX XXXX XXXX XXXX. These is regarding my Comenity Bank XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL 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 non-monetary relief
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for XXXX, Equifax, and XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
I got a truck at XXXX XXXX in XX/XX/2022. I stated I am the beneficiary of this purchase and signed with my beneficiary signature, see attached documents. GM Financial approved the purchase. Upon receiving the contract in the mail, I went and added my terms and had it recorded in the courts so it is a legal contract. GM Financial has received the contract and refused/ignored it. I called multiple times. After being transferred to the XXXX person on XXXX call, I gave the man the Certificate of Record number along with the number under the barcode at the top of the page. I asked them to review it and call back, which they never did. I called back approximately a week later and spoke to another woman. She said she knew nothing about this stuff, but she was able to pull up the contract in my file and read it. I tried getting a phone number to the legal team or CFO but was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
Attached is identity theft report with fraudulent account and fraudulent inquiries that are fraudulent and are being reported illegally.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an account without my 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 late for any purpose.

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 2023-02-14 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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA 's previous response to claim XXXX omits critical elements regarding this dispute. USAA 's representative verified that they went through a system migration which canceled out users auto pay. If this were not true, USAA would have never submitted a letter on my behalf to remove the late payment. This information has been completely left out by USAA and can be easily verified with the credit bureau 's. This report is not accurate or fair, and is the reason that a letter was summitted on my behalf. USAA 's representative responding to this matter was also extremely rude when handling this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Hyundai sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where Hyundai makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a Hyundai representative that my credit report would be cleared once paid. However Hyundai did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because Hyundai falsely confirmed everything to be accurate. Please see attached order from the CFPB that required Hyundai to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like Hyundai is still up to their unethical tactics and haven't learned from the $ XXXX order.

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 2023-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
HI, I submitted my PSLF loan forgiveness application in XXXX. It is now XXXX, and I just received a letter saying that a signature needed to be resubmitted. I have done so, but am trying to find a way to have this not take another 6 months to go through the system. Hoping for help to bring this to their attention and not further slow down my application for aid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation