vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was the victim of check fraud in late XX/XX/2024. I called Bank of America to explain to them that I was a victim of fraud. They told me that the check should bounce and that my account should not be affected as long as I reported the fraud and do not spend the funds from the check. A couple of days later they closed my account without notifying me, effectively freezing the funds that I have in the account which I need to pay my bills and generally live my life. I have spoken to customer service multiple times explaining that my job has direct deposited my paycheck into an account that I have no access to. They advised me that the account will be officially closed on XX/XX/2024 which is more than a month since the incident has occurred. When the account is closed they will send me a check for the funds that were remaining in the account. I am currently taking out personal loans and asking family members for financial assistance due to the negligence of Bank of America and them lying to me about the fraud not affecting my account. If they would have told me with sufficient time that the account was going to be frozen for more than a month then I would have had the opportunity to move the funds out of the account. Now I am struggling with paying my rent and bills and groceries for my family. Bank of America has XXXX empathy for my situation, even after I explained to them that I was told that my account would not be affected. They claim that they can not send me the funds until the account is officially closed which is unacceptable due to things costing money and me not having access to mine. I was a customer with them for over 20 years and never expected to be treated like a criminal especially after I called them immediately after noticing that the fraud had occurred. They have a recorded conversation of them lying to me about my account not being affected but to refuse to pull the record to prove me right.

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 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My XXXX XXXX was repo from my home XX/XX/year>. I seen the Repo truck pull up and i told the driver to stop and not touch my car and i called Truist to make a payment even though I recall speaking with someone before about payments. The rep was unhelpful and I asked what is the amount I need to pay in order to keep my car. The rep stated that I will have to pay the entire past due amount and i agreed. The Repo company continued to connect my car after telling him I was on the phone with the company ( which is illegal in SC because it is breachof peace. ) I told the rep and he stated that he can not tell the repo company to stop if he already started even though the Repo company started after i was already talking to the rep. I was going to pay {$1400.00} roughly my past due amount and the company than refused to accept my payment. The call was recorded. The rep stated that I will have to pay storage fees plus past due amount even though the Repo company said if Truist tell them to drop the car they would right than. This company intentionally had the towing company take my car refuse payment so i filed a report with SC department of consumer affairs and the company responded that I would now have to pay {$3100.00} to get the vehicle released. This company intentionally ignored SC repo laws as well as charges late fees repossession fee and principal reduction payment in order to add up more fees and collect more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX and financed it through Credit Acceptance in XX/XX/XXXX. I was involved in a car accident XX/XX/XXXX in which the insurance adjuster reported my car was a total loss. After payments from XXXX and Credit Acceptance GAP insurance were made to Credit Acceptance, my file with Credit Acceptance reported a {$0.00} balance on XX/XX/XXXX. 
Three months later, Credit Acceptance contacted me to indicate I owed a balance for months I no longer had procession of the car as it had been paid off due to a car accident causing a total loss of the vehicle. They said I was still responsible for payments event though I no longer had the vehicle and the insurance had been paid out and I was not informed of this and was negatively reported on my credit. 
Because of this oversight, they have damaged my credit thus causing hardship as I continue to heal from this accident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am not disputing the verfication of these accounts what i am asking for if I received a 1099 from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not disputing the verfication of these accounts what i am asking for if I received a 1099 from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a savings account and set up a wire transfer. The account then locked me out and said the wire transfer was set up successfully. I tried to stop the wire after repeatedly trying to get into my own account. They said my info didnt match, and call later, but my info was correct, theirs was not. They were giving me false phone numbers so that I could not reset my password. They hung up on me when I tried to get answers as to why they were claiming my personal info was wrong compared to theirs. They would not stop the wire transfer so I had to contact my funding bank and put a block on their processes. I tried to file a complaint with them or talk to someone in charge but they would not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I received a {$100.00} gift card from my company as a bonus on XX/XX/24 and I activated the card on XX/XX/24 about XXXX and I went to XXXX XXXX to use the card a couple of hours later and the card declined for a {$41.00} purchase. I called the customer service number on the back of the card, and they stated there was a {$100.00} purchase at XXXX XXXX on XX/XX/24. I let them know I have no clue as to where that is, and I had never used it until I went to the grocery store. They told me I have to call back after XX/XX/24 to file a dispute, so I called them today XX/XX/24 at XXXX am and they asked for my name, date of birth, mailing address and email address. They said I would receive a dispute packet via email within the next XXXX minutes It is now XXXX pm and have yet to receive an email. I have called them back and no answer. I have done my research on this card/company, and they have a class action claims filed on them from a consumer who has had the same issues among multiple other consumers. This company is a fraud and I want my money returned back to me and I want some type of legal/criminal action filed on them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Denied loan on XX/XX/XXXX and 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 2024-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
They will not give me the exact date but in XXXX of XXXX  they removed my name from the business account that I opened without authorization and turned it over to an employee without authorization and they refuse to give me any details. 
And I also own the trademark for " XXXX XXXX XXXX XXXX  '' Account # XXXX XXXX XXXX XXXX XXXX They have been acting without board approval but have started claiming they where the board members now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
XXXX sold debt to collector. They should not appear 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 2024-02-05 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: NY

Complaint narrative:
After paying off 2 mortgages that were in forbearance totaling approximately {$250000.00} in XX/XX/XXXX, the creditor resumed reporting to the credit agencies 3 late payments in XXXX, XXXX and XXXX of XXXX due to the loss of my job because of XXXX, a natural disaster. My credit score immediately dropped more than 150 points incorrectly by Transunion even though the late payments were due to XXXX and almost 2 years prior to the entire payoff of both mortgages in full. In addition, Transunion and XXXX both use the same source of data, and the same method to compute a credit score, namely the XXXX XXXX method of reporting. My credit score for both Transunion and XXXX has always been identical or within a few points of one another. Now the scores are approximately 150 points apart because Transunion is not computing my score correctly, and is reporting a score that is Poor and can do me no good in terms of obtaining credit, getting auto insurance, finding an apartment, etc. I have been in contact with Transunion in XXXX and XXXX of XXXX, spoke to XXXX supervisors and had an investigation performed and the only answer I get back is that my score is what the computer has computed for me. I need some human intervention here and common sense applied to this situation. At the request of Transunion, I've already tried contacting the creditor to change their reporting and they refuse to do so. The problem is that Transunion is computing my score incorrectly as evidenced by the fact that Transunion is currently reporting my score at XXXX while XXXX is reporting my score at XXXX, so it makes no sense. Something is wrong with the computation that Transunion is using because 3 late payments more than 2 years ago due to XXXX should not drop my credit score XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: OH

Complaint narrative:
Experian is refusing to show my auto installment loan correctly gor upwards of 6 months. It shows the account inactive despite being paid every month and therefore robbing me of my experian XXXX credit I deserve for timely payment. I can not add the account and they have made no effort to correct it for 6 months including today. It is unfair for certain consumers to benefit from XXXX features and others not able to get credit for timely 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 2024-02-05 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 contacted transunion and informed the company that there is derogatory information on my credit report that does not belong to me and they mailed me a paper ( attached ) claiming the information for XXXX and XXXX was verified as accurate without providing proof of accuracy or how the information was verified. The accounts do not belong to me and Ive provided numerous documents ( FTC report, police report, etc ). In addition, the accounts are stating they were included in a bankruptcy for which I have never filed bankruptcy. Attached is the correspondence with XXXX stating that they will be removing the bankruptcy from my report and informing Transunion of their findings. And in addition Ive attached the police report and FTC report. Remove the bankruptcy, XXXX account and XXXX account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
Freedom Mortgage is currently my mortgage lender and I am writing to formally file a complaint against them, specifically regarding the handling of my Home Equity Line of Credit ( HELOC ) inquiry by Mortgage Loan Officer XXXX XXXX. I believe that I have been provided with misleading information, which has led to unnecessary financial expenses ( {$580.00} upfront fee ) and an unsatisfactory customer experience. 

On XX/XX/scrub>XXXX XXXX XXXX I initiated contact with Freedom Mortgage to inquire about a HELOC. XXXX XXXX promptly responded, expressing the need for a phone call to discuss the details. Due to a busy training schedule, I informed him that I would be available after XXXX XXXX  and inquired about the information needed to access the equity in my home. 

After a conversation with XXXX XXXX on XX/XX/year>, I proceeded with the application process, under the impression that I was applying for a HELOC. It was only on XX/XX/year>, that I discovered, through a conversation with a friend and a subsequent inquiry, that Freedom Mortgage does not offer HELOCs. This information was not communicated to me earlier in the process. 

I am deeply concerned about the lack of transparency in this matter. XXXX XXXX did not disclose the unavailability of HELOCs until almost two weeks after my initial request, despite repeated communication. This delay resulted in wasted time, money spent on an upfront fee for a service Freedom Mortgage does not provide, and an unnecessary inquiry on my credit report. 

Furthermore, I expressed my preference for a HELOC due to personal circumstances, and XXXX XXXX did not properly inform me about the available options. Instead, he continued to pressure me to proceed with a different product ( refinance ) without a thorough explanation of the terms and implications. A refinance does help me but puts me an a worse position ( unfavorable terms then what I currently have ). The HELOC made the most sense to just take a small amount at a higher rate instead of refinancing the entire amount at a higher rate. 

As a customer in the midst of a divorce, I trusted that the Mortgage Loan Officer would guide me through the process with my best interests in mind. Unfortunately, this has not been the case, and I feel misled and dissatisfied with the service received from Freedom Mortgage. 

I request a thorough investigation into this matter and appropriate action to rectify the financial and credit-related consequences I have faced due to the misinformation provided by XXXX XXXX. 

Thank you for your prompt attention to this matter.

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