vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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:
checking my file a lot of information is invalid. I am disputing all incorrect information from my credit report with Experian. to correct my file all items needs to be removed.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I have this account since XX/XX/2021, and now Im having issue accessing to the online banking thought the app. The app has been updated a few days ago, and now when I try to access, the app is requesting my 6 digit of the SSN.

As Im not US citizens and also not US resident I don't have that number. 
I called customer service and they didn't help, and I also was transferred to a " branch '' and they said we will call you back ( didn't happen )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
SunTrust Bank repossessed my XXXX XXXX XXXX it is used and it is a XXXX. SunTrust/Truist just came and got my vehicle last night. SunTrust did not call me not did Truist. They said they had the correct phone number on file so why didn't they contact me? I had issues with payments missing and I have made multiple payments for the same month. I really do want to keep my vehicle. I received a statement for XX/XX/XXXX. This is when the payment is due for my vehicle. I explained to them that I would have to make the payment XX/XX/XXXX. I really do not understand why I have to make these payments. I have made payments online in which they locked me out of my online account. The statement clearly states that I need to make a payment for {$2800.00}. I am not sure why this is the case when I made a payment for {$1400.00} in XX/XX/XXXX. The vehicle needs to be returned. There was too much fraud on this account. I really do not feel comfortable but I am also trying to figure out why the representative for Truist recovery departments asking me for {$4700.00}. Then she went on to say that did not include the recovery fee. I declined to pay this amount and looking at my statement it did not make sense. I asked them what happened to these payments. I believe that there are people at the bank who are disputing these amounts and putting them in their own accounts or giving them to other people. I personally feel that SunTrust/Truist should be made to pay their own recovery fees. I did not cause this to happen. I just figured out how to read this statement and I am not letting them take advantage of me with this account. I have documentation that I tried to fax from the bank. I pulled money out on XXXX XXXX. You can see it was multiple times and this does not include what I paid going through the teller line outside of the bank. I have the online payments as well that I am unable to access.

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 2022-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I believe its XXXX of this year, I want to purchase a XXXX XXXX online from this company call XXXX. Unfortunately I had cancel the order. I never received my XXXX a couple of days later Affirm is asking me to pay them back for the loan that I got from them, I called them several occasions that I cancel the XXXX never receive the order and they still want me to pay for it. I dont think its my fault that they want to head and paid for XXXX before it was confirm delivery or not or cancellation or not I dont have the XXXX from them I never received that order because I canceled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Went into forbearance in XXXX. XXXX due to unemployment from Covid. Submitted application packet 1 for loan modification options to begin repayment in XXXX XXXX. Called so many times. Was told packet was lost in mail. Submitted 2nd packet in XX/XX/XXXX. Never heard back. Could not log into account, did not receive any statements. Every time I call, it takes at least an hour. Called my XXXX  XXXX XXXX XXXX about it. She said XXXX have a partial payment plan option. To ask for that. I would begin regular mortgage payments and begin scheduled payments on the past due amount from the forbearance period. They ignored her emails. She was persistent and was eventually told they do not participate in the program. I was told they received the packet in XX/XX/XXXX but it had expired. I called often and asked for a system. I was asked again to send another loan modification application. They are like 15 pages long. I told them no. I started making double payments in XX/XX/XXXX. The loan is still behind. XXXX from the chairman office at citizen called after hearing my complaints. She sent me papers to fill out, and I scanned and emailed them that say. This was in early XXXX. I mailed my XXXX, recent paystubs, hardship letter for why I went into forbearance in XXXX. Two weeks later I was sent a letter saying they needed another letter and recent paystubs. I literally had gotten paid that day. I emailed it in. This week I got a call from XXXX in the office of the chairman. She said she is closing my case because it seems like things are okay now. I told her I had gotten no response from loss mitigation. She said it takes them 30 days or so from the date of the packet. I told her it had been 30 days. She said she couldnt help. Loss mitigation needs to contact me, I told her I have been making double payments since XXXX and I need to see a statement. I was told there are no statements when in loss mitigation. I was about XXXX behind on payments. It is currently around XXXX by my calculations. I sent an email requesting they do not close my case as it is not resolved and that Id line them to communicate through legal representation from this point forward. I have not hired a lawyer. XXXX emailed today asking for my attorneys contact info. I have not heard anything from loss mitigation still. I guess I am going to waste money on hiring a lawyer instead of paying the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company
State: AZ

Complaint narrative:
On XX/XX/2022, I sent a XXXX  of XXXX  to Initiate Electronic Funds Transactions to XXXX  XXXX  and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, XXXX XXXX  debited {$220.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
My account was closed a few months ago, and since then they have not proceed to send the cashier check with the amount of money I had on the account. Also I reported a fraud made with my debit card and I still don't have any news about the case. 
The contact with the bank has been impossible. 
I also have this case with them XXXX without any update more than one month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used a B of A XXXX  card to pay for a spa cover on XX/XX/2022 from XXXX XXXXXXXX for {$350.00}. They delayed shipping, after numerous calls and emails, they have failed to send me anything. I asked for a total refund. they said they would send my refund in XXXX. I have not heard anything, and i dont expect to. I contacted Bank of America XXXX, and they are saying the date was beyond 2 months ago. 
Well, there was no way i would know how long this would be.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/22 at XXXX my account was hit repeatedly by several websites, which drained my account completely of all funds. That did not stop the attempts by at least three websites I have never done business with to keep trying to pull money out. The way In which the money was repeatedly attacked and the fact these were from online sources point to something suspicious obviously happening. After several attempts to contact cashApp to stop this and alert them of this fraud, I had no success as I couldnt contact anyone until the next day. As of today they launched an investigationsaying nothing suspicious happened and will not be refunding me this cash. I find that their security measures appalling and inadequate to protect their customers. The number of times they tried to hit my account for more money after they had drained it, my powerlessness to alert cashApp of this as it was happening and their unwillingness to investigate more logically makes me feel like a victim to this corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
WELLS FARGO has been very uncooperative and has caused a lot of problems for several business and myself. 

Any reasonable and ethical company would have provided assistance in clearing up my title when they were made aware a customer had a problem, but not Wells Fargo. 

It is obvious from the documents uploaded and numerous letters from Wells Fargo refusing to provide assistance in the matter of my title that XXXX does not know how to provide proper and competent customer service..

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 2022-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: NV

Complaint narrative:
On XX/XX/22, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22, Explore Credit debited {$130.00} each time from my bank account. I never authorized these transactions or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I leased my first vehicle from XXXX XXXX with my sister on XX/XX/XXXX. During the closing process, I was talked into buying additional packages by the finance person, one of them being the Excess Wear and Tear package.

The finance person used a water bottle as an example and said how easy it was to get scrapes and dents on the car, and urged me to buy this Excess Wear and Tear package. He went on to say how it was the best option for me to have the package as this would allow me to conveniently just drop off the car without any worry at the end of the lease period. When he saw that I was hesitant to buy the package, he tried to convince me by saying that he had no ulterior motives and that he also made all his nieces and nephews who are of around my age to buy this wear and tear package when they were leasing. He put me under a lot of pressure to decide quickly whether I wanted to buy this package or not by saying that he was already late to a dinner with his wife and that the dealership was also closing in 30 mins. I had to quickly make a decision without being given time to read the terms and conditions of the package. 

Now in XX/XX/XXXX, about one month before my lease ends, as I am looking into what to do with my lease - if i want to buy my lease out or return it, I learned that the wear and tear package that XXXX has sold me does not cover anything if I decide to purchase the lease. When the wear and tear package was sold to me, it was never disclosed to me that the package would not cover anything if I decide to buy my lease, and that the car will be sold to me " as is '' condition. Nowhere in the Excess Wear and Tear addendum also addressed what happens if the lessee decides to buy the car. 

Now that I am considering to buy the leased car and asked XXXX about how the wear and tear package can be used, I was redirected to XXXX XXXX XXXX. There, I was informed that this package can not be used to cover any repairs for the wear and tear in the case that I bought the car and that XXXX should have been honest with me in explaining this information. Sadly, I was not informed about how the wear and tear package would render useless in the case that I buy the car and was deceived into paying {$730.00} for the package with the omission of details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
Good afternoon, I have been disputing the errors in my credit report to Experian for XXXX months and they do not carry out any investigation. I have asked them for proof of the investigations that they supposedly carry out and they do not give me an answer or evidence, they only say that my report is correct, which is not the case. violating the laws and they harming me without respecting the law

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 2022-11-18 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: FL

Complaint narrative:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing received full payment for XXXX on my up-to-date mortgage account ( attached SLS statement - XXXX ) on XX/XX/2022. 
Today I called and asked why there is {$83.00} late fee ( see attached XXXX ) and found out about the unauthorized changed status of my loan on my account, and after complaining that I never authorize any changes to my loan, SLS representative agreed it was a mistake. 
I did not and do not want loan modification, and did not sent any documents saying otherwise. Somehow without my permission they applied my payment to a new modified loan that they chose for me and decided for me. 
This company changes documents as they please and ignores on-time payments. 
I hereby again state that I DO NOT WANT LOAN MODIFICATION AND AM HAPPY WITH MY 3.3 % monthly mortgage rate. 
I DO NOT WANT ANY LOAN MODIFICATION.

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 2022-11-18 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: IL

Complaint narrative:
In XX/XX/2022 I received a notification from Experian and XXXX that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with Experian and XXXX and they both said they can't do anything about it despite having solid proof that payment was made and received on time.

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 2022-11-18 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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation