vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have an auto loan with America First. Back in XXXX of this year I contacted them regarding an insurance waiver due to the vehicle no longer in working order. They agreed to waive collateral for 6 months, through XX/XX/XXXX. I have a document signed by both of us. They then started sending me letters I believe in XXXX letting me know I needed full coverage. When I called them twice on this matter, I was informed it was only a system glitch and it was being fixed. 
I also was in the process of completing a salvage bid and in XXXX, that finally took place. I have emails from XXXX XXXX department advising once the vehicle is picked up by the salvage yard, I can cancel insurance. Which I did. On XX/XX/XXXX I signed a document from the bank that states my future payments are {$410.00} effective XX/XX/28. America First then added onto my balance {$160.00} more totaling {$580.00} a month from the " lack of insurance '' they erroneously were stating. Therefore, my {$410.00} payment for XXXX was recognized as insufficient and I was subsequently reported 30 days past due to the credit bureaus. This has dropped my score significantly and America First offers nothing other than an apology. This is against federal regulations to do what they're doing and can easily let to a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
It appears that Bank of America fraudulently opened a checking account in my father 's name. They began charging minimum account fees against the account in the amount of {$12.00} per month. The account appears to have been opened on or about XXXX XXXX. Fees began to be charged against the account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total negative balance of - {$36.00}. 

My father passed away on XXXX. We only discovered the fraudulent account when going through probate procedures. Additionally, we can confirm this was fraudulent because all other accounts unrelated to this account were joint with my mother, this account was created as an independent individual account ; no funds were contributed to the account to prevent the collection of fees ; and my father suffered a XXXX XXXX in XXXX that rendered him XXXX  and XXXX  XXXX  of opening such an account without the assistance of my mother. 

On XXXX we contacted Bank of America regarding this matter and filed a fraud claim at XXXX MST via their fraud line at XXXX. They transferred me to their check fraud department, they then forwarded me back to the fraud department, and then I repeated this process in a loop. We are pending verification to close accounts within 10 business days according to the final associate I spoke with. However, they did place a Hold on the account after being notified of my father 's passing. 

This is in reference to the CFPB 's recent announcement/article on XX/XX/XXXX, " CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts ''. 

-https : //www.consumerfinance.govXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I purchased my auto in XXXX. Made every payment early and over the amount. Paid last payment to Hyuandai Finance on XX/XX/XXXX. I still have no title. They said that it is an electronic title with XXXX XXXX Florida. XXXX XXXX Florida XXXX said its an electronic title with a non electronic XXXX. All I need is a lien release notarized paper from Hyuandai. Hyuandai is refusing to overnight me this paper after auto was paid off over 1 year and 3 months now. I have made numerous calls, heard Hyuandai blame me and the XXXX for errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX. I have been a member of XXXX XXXX ( XXXX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, XXXX XXXX XXXX requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with XXXX since XXXX was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at XXXX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the XXXX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to XXXX the XXXX Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. XXXX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of XXXX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. Two separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX. I have been a member of XXXX XXXX ( XXXX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, XXXX XXXX XXXX requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with XXXX since XXXX was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at XXXX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the XXXX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to XXXX the XXXX Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. XXXX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of XXXX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/23, I made an international transfer of {$480.00} using Moneygram to my sisters bank checking account. Per transaction receipt, funds should have been available on XX/XX/23 but the recipient apparently never received the money. On XX/XX/23, I called Moneygram and filed a claim in regards to the funds not being received. On XX/XX/23, Moneygram issued an email stating, After conducting our investigation, we have determined that an error may have in fact occurred with your transaction. Kindly note that the transaction was credited on XX/XX/23. As such, you are entitled to a refund in the amount of XXXX ( USD ) .... I emailed them back stating that I did not understand the resolution since the transaction was initiated on XX/XX/23. So, I filed another claim to appeal their resolution. On XX/XX/23, Moneygram stated that, After completing our investigation, we have determined that an error as defined under the Remittance Rule has not occurredpartner confirm that the transaction was successfully deposited to intended receiver account. I checked with my sister if the funds from the XX/XX/23 transaction ever came and she verified that it NEVER did. As of now ( XX/XX/23 ), I am still waiting for Moneygram to send me the support documents for their resolution and they said that it would take 30-90days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to provide a personal statement regarding the identity theft incident that I have experienced. I recently discovered that my personal information has been misused without my consent, leading to unauthorized activities and potential financial and reputational harm. 

Upon noticing suspicious activities, I took immediate steps to investigate and mitigate the situation. I contacted relevant financial institutions, reported the incident to local law enforcement, and have been working diligently to rectify the unauthorized actions attributed to my name. 

I want to emphasize that I had no involvement in the fraudulent activities associated with my name. I am a victim of identity theft, and I am committed to cooperating with the necessary authorities and institutions to resolve this matter promptly. 

I have reported the incident to the appropriate credit reporting agencies and have placed fraud alerts on my credit reports to prevent further unauthorized access. I am also working closely with my financial institutions to ensure that any unauthorized transactions are properly investigated and resolved. 

I am fully aware of the importance of addressing this matter promptly and thoroughly. I have taken the necessary steps to safeguard my personal information and prevent any further unauthorized use. My goal is to clear my name and restore my financial and personal integrity. 

I appreciate the efforts of the Federal Trade Commission in assisting individuals affected by identity theft. I am hopeful that with your guidance and support, I can navigate through this challenging situation and emerge from it with a restored sense of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Discovered I had but {$5.00}. In my acct. checked acct on line and had my atm card used 4 times yet I have my card in my purse. My purse had always been with me. XX/XX/XXXX XX/XX/XXXX 3 xs at atm {$200.00} each + their fee XX/XX/XXXX atm {$300.00} + their fee Contacted my bank that night XX/XX/XXXX Bank sent me forms to fill out Bank declined due to Bluebird Member Agreement 22d Basically didnt believe me. They Permanently closed my acct. My Social Security Check was deposited on XX/XX/XXXX. 
Police Report # XXXX Detective XXXX XXXX XXXX Police Dept. Bank said 10 days to send me {$1200.00}. Called again and they said 10 days. Got my balance 31 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 contacted Equifax concerning Items on my credit report that our incorrect. I have not been able to get a response from them concerning the matter. I am a victim of identity theft and according to FCRA 605B 15 USC 1681 : you are required to block & delete all info from the report attached here in 4 days. My information has been compromised Or Im a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 an 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 conviction, or crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-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 information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I have been contacted by an employee of this company that has informed me that she will continue to call and harass me about an unknown alleged debt. I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Corp Solutions and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XX/XX/2023 I have not received any documentary evidence such as a trilateral contract giving Credit Corp Solutions any right to collect on this alleged debt. I have never received any documentation requesting validation from Credit Corp Solutions before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If Credit Corp Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Credit Corp Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and Credit Corp Solutions continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. 
Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
I was served with papers from XXXX XXXX XXXX XXXX regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by docusign. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From XXXX XXXX XXXX group showing the original creditor and the amount owed in order to help me with this debt. I called XXXX XXXX XXXX XXXX and the sent me a payment history. The only information it showed was a payment I made to them and Velocity Credits name. I called velocity Investments and they refused to send me information on the debt. They referred me back to XXXX XXXX and told me to ask for verification of the debt. I emailed them XXXX XXXX back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TN

Complaint narrative:
Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my Experian credit report. I have tried contacting them, and they said they would research this 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 2023-08-10 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : Affirm Inc, and XXXX XXXXXXXX XXXX XXXX. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I asked New Rez why they are not reporting our payments to the credit reporting agencies. They said that since I have not reaffirmed the loan they don't have to. They are making credit more expensive for me and my husband.

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