vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: CT

Complaint narrative:
Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX  to XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months XXXX XXXX was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous XXXX XXXX agents and paid my principal on the loan in XXXX of 2018, XXXX XXXX  Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on XXXX XXXX incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. 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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have been disputing the account ADVANCED COLLECTION BU, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing the account XXXX XXXX XXXX, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on Equifax the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc.
State: VA

Complaint narrative:
I rented a car from XXXX, it had reported damage on the rear bumper according to my rental receipt, I noted damaged when I walked into the hotel parking lot the next day. I asked for a photo of previous damage, and all correspondence associated with in, instead they sent me to a collection agency ( Summit ).

I communicated with Summit over the phone and asked them to only communicate with me in writing. I asked them in writing for a copy of the photo of the vehicles reported damage prior to me renting the car so I could sent it to my insurance, which would have covered the damage. Instead I continued to get rude phone calls telling me to State your Name. I offered to settle the debt in writing, but instead they reported me as a charge off.

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 2023-01-05 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: NC

Complaint narrative:
Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a 1099-C Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS 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 2023-01-05 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: NC

Complaint narrative:
Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a 1099-C Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Got scammed thru wire fraud {$10000.00} on XX/XX/2022 from my bank account all in one transaction. Reported fraud, and now they are denying to refund me my money. I have sent in my police report of my identity being stolen and my other banks got scammed as well. They all gave me my money back in a XXXX! But nooo, not Bank of America. Its ALWAYS a hassle to get them to protect their clients from bank fraud.

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX - Made a purchase at local XXXX store and charged to my XXXX store charge card ( Comenity ) = {$130.00} XX/XX/XXXX - send check payment of {$130.00} from XXXX XXXX checking bill pay ( confirmation attached ) XX/XX/XXXX - received XXXX credit card statement showing no payment made and besides {$130.00} balance, a late fee is also now owed. 
XX/XX/XXXX - signed into XXXX credit card portal system and message them to say I paid the bill in full on XX/XX/XXXX and attached bank payment confirmation. 
XX/XX/XXXX - portal response from Comenity that they are looking into it. 
XX/XX/XXXX - receive another XXXX credit card statement showing no payments made and more fees added, so I called the credit card company and the representative tells me it will take time for them to look into it but rest assured I will not be sent to collections, so be patient. I told the rep that my Maurices credit card had been updated recently and I thought I might have sent my payment with my old account number on it, but they said that wouldn't be a problem as I had been a long time customer and they'd find that in the investigation. I also message in the portal and again am told they are looking into it. 
XX/XX/XXXX - still receiving monthly statements showing no payment so I call again and am told a representative in that area is not available and to please call back at a later time. I also message in the portal and again receive a response that they are looking into it. 
XX/XX/XXXX All of the sudden I am getting calls from the credit card company multiple times a day urging me to pay my overdue bill. I talk to the caller and they tell me the investigation is in a different area than he works in and he can't help me. 
XX/XX/XXXX I receive a letter from the credit card company asking for electronic transmittal inquiry form from my bank. 
XX/XX/XXXX I sent the proof of payment from XXXX XXXX to the Comenity through the portal. 
XX/XX/XXXX XXXX in the portal saying they are looking into it. 
XX/XX/XXXX Received yet another statement still showing no payment so I messaged again through portal. 
XX/XX/XXXX Response in the portal saying they are looking into it. 
XX/XX/XXXX Received a letter in the portal saying they never received the payment. 

I just keep going back and forth between these companies, but XXXX XXXX took the money from my account and provided the proof of payment, so I think it is Comenity 's issue that they accepted the funds but are not crediting my account for them. I'm at a loss as how to prove any other way that they have the funds and did in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CT

Complaint narrative:
Ive contacted XXXX several times and they agreed to actually remove all the verified information that I provided to them and it was not matched with my true identity and information Therefore it was fraud so Ive submitted to them and FTC report along with the police report which they agreed to remove the account, the account was removed in XXXX however it was put it right back on my credit report as of current date I would like to get it removed soon as possible from all credit bureaus because this account is fraudulent activity that was not authorized by me.

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
I previously had COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/XXXX. 

Carmax stated that it had rectified the issue, and it appeared that it had. Yet, twice more, the problem occurred. The problem is the removal and seemingly automatic readdition of gap insurance and some maintenance plan. I don't understand how it can automatically be re-added, yet, it keeps happening, which takes my account from being in good standing, to seriously delinquent overnight. 

In XXXX, as I was assured that it was really fixed this time, I requested a payment extension to XXXX. On XX/XX/XXXX, I made that payment approximately ten days before it was due. When I attempted to make the XXXX payment, I couldn't online. When I called in, I was informed that the account had been charged off!!! I again spoke to the manager, XXXX XXXX, who had previously assisted me. He was as shocked as I was on the current status and began the process to get this rectified again. 

Yesterday, XX/XX/XXXX, I discovered that Carmax had updated my credit report with this invalid information, causing me to possibly lose the home I'd been preparing to get since early XX/XX/XXXX. This issue has caused hardship for my family and me as our lease ends at the end of this month, and we have nowhere else to go. 

At this time, Carmax can't be trusted to do as it says it will do. I heap accolades on XXXX XXXX for attempting to resolve this permanently for me, yet, at this time, I feel that only government and corporate-level intervention can fix this. And it may be too late for my family and me as our housing is now in crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: SC

Complaint narrative:
unauthorized credit check inaccurate information

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
On Friday, XX/XX/2022, First Interstate Bank experienced what as called a " server error '' and no funds could be withdrawn. This second time in within a year that this bank has ha major system errors that have resulted in frustrations and poor customers experiences ( see my complaint from XXXX, 2022 ) .Funds were clearly available, but the Bank was denying them to the customer. The tellers ' best advice was to use the ATM machine outside of the bank, which is not available to anyone without a debit card. 

Denial of Funds is obviously a serious issue and First Interstate has a problem with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-05 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:
please help remove now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank displays the entire bank account number on all bank statements including the business account that I am accountant for and my personal account that I closed and moved to another institution. I called Truist and reported the issue they have not responded or corrected the issue.

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 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
Never one letter from unifund XXXX XXXX nor have I ever had a card XXXX XXXX. Identity was stolen in 2015. I never pursued it. It was of XXXX and XXXX. I was notified by XXXX by email and phone call. And I never new I had 3 cards in my name. Until they showed up on my credit report. I dispute them on XXXX and get denied because of my name in my social. So now Im being sued by XXXX XXXX  and all they have to show who I am on. The credit report is the last four digits of the credit card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I got an alert that there was a " check by phone '' loan opened in my name in 2017. I disputed this with the creditor and with the credit reporting agency. 
ACCT NO. : XXXX ACCT BALANCE : {$360.00} ( this is with interest included ) ORIGINAL BALANCE : {$300.00} This was NOT me, I had a slew of loans and accounts opened in my name around the time of this happening. My email was hacked as well as my bank accounts. I have reported this previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have Citi credit cards with Citibank since XXXX. And XXXX of them was the Citi XXXX XXXX XXXX access more card. I had that card since XXXX and closed it in XX/XX/XXXX since my usage of that card has reduced and there is annual fee associated with the card. 
When I call to close the card, I triple checked specifically if there is any risk for me to lose my points after the card is being closed, and was told no risk since I have couple other citi bank cards that can hold the Citi Thankyou point so I went ahead to close the card instead of downgrade. 
XXXX months later, I lost approximately XXXX Thank you points, which worth approximately {$2800.00}. 
So I contacted Citibank and filed a case with them on XX/XX/XXXX. Followed up on XX/XX/XXXX, XX/XX/XXXX and XXXX times on XX/XX/XXXX. And I get a different XXXX whenever I call and the citi representative was unable to provide anything besides there is no update they have.

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