vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
A total of XXXX credit lines were opened under my name which I had no idea about The first credit line was for discover a total credit line of XXXX Discover claimed to flag the account as fraud and is under investigation Second credit line was not used, but still opened under my name The bank was : Ads XXXX XXXX A total credit line of XXXX Still trying to contact company Many inquiries were also ran without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a business customer with Truist Bank. The branch location I frequent is XXXX XXXX XXXX, XXXX XXXX XXXX. I have had a business account since XXXX. I also have a line of credit ( {$100000.00} ) with a XXXX balance, Personal Account ( over {$100000.00} ) as well as use their payroll services. 

I recently went in the branch to ask and apply for an auto loan. I was met by two representatives. One of them ( XXXX XXXX. ) was there to ensure all paperwork was completed and signed. I was also told that he knew what the underwriters look for and was there to make sure everything was right. I was told everything was right that my business is appreciated and was applauded on how all accounts are in order with nothing ever being due and/or outstanding. I was asked to submit the VIN number once I have the vehicle I want. 

I submitted the VIN number of Monday ( XX/XX/XXXX ). That day I received several emails that he ( XXXX XXXX. ) could not run my credit report because it had a freeze on it. He was right. I took the freeze off. The next day ( XX/XX/XXXX ) he said he still could not run the credit report. I can XXXX to confirm that the freeze had been taken off and that a report could be ran. I was told that a freeze was not on and yes a report could be ran. 

I noticed that I had not received an email from him today ( XXXX, XXXX ) therefore I contacted him. He tells me that he still can not run a credit report and maybe I should try somewhere else. I proceed to call a XXXX XXXX that I have an account with to ask and possibly do an application. Over the phone the representation and I completed the application. I was asked if it was ok to run a credit report. Yes. She ran the credit report right then and told me my XXXX XXXX which is XXXX. 

Trust does not intent on giving me an auto loan and can pull a credit report. I will be moving my business account from them in the future.

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 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX i called Capital one auto finance to arrange an auto payment arrangement. I was told to pay a payment for XX/XX/XXXX and have other payments broken down into smaller payments to help me catch up. I agreed a had a withdraw from my XXXX  account ending in XXXX now i have a delinquent remark saying that im 60 days late on my car payment. I have currently paid all past due balances and late fees, but the representative misinformed me on having a 60 day late payment after i paid on XXXX XXXX the report is showing a late XXXX from XX/XX/XXXX to XX/XX/XXXX which is not 60 days of missed payments. I would like to show that XXXX shows as paid on my credit report not as a missed payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My taxes were taken to pay a XXXX balance 2years later the department of education said I owed this again so I paid it again from money given to me during COVID recently I was interested in returning to school and they are now saying I owe and additional XXXX $ and I shouldn't owe anything something is wrong please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n  cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information across all three credit Bureaus, They are reporting names, addresses and phone numbers inaccurately. 
I reach out to all three Credit Bureau with the right information with copies of my Drivers license, social security card and a credit card statement.

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 2022-12-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX i received the following text message : XXXX ( Scam # ) ...... Your package has been put on hold because the delivery address is missing XXXX XXXX code. Please update the correct address informationXXXX XXXX  When the link is clicked on it goes to another page needing info. The page looks very legit for a XXXX XXXX XXXX. After i filled out the info i realized it was XXXX and called Bank of America to cancel the card number and issue us new ones.

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Somehow my banking institution, Bank of America continues to overlap my bank accounts with another woman by the same name in another state. this issue began in XXXX and for a while was resolved, but has once again popped up as an issue with two withdrawls from my checking account or scheduled bill payments to her credit cards. On XX/XX/XXXX I noticed a payment of {$500.00} and re-occurring payments in larger amounts scheduled to be withdrawn from my checking account which I was able to cancel, called the bank and went through the fraud dept. to get my {$500.00} back, reset all of my online banking credentials etc. allegedly to prevent this from happening again. Then on XX/XX/XXXX I noticed a payment was made in the amount of {$3000.00} from my checking account to my credit card which I did not authorize, I was put through a call tree to inevitably have to wait for the payment to post and then call my credit card ( also under Bank of America ) to reverse the payment. When the funds became available on XX/XX/XXXX the NEXT XXXX XX/XX/XXXX the funds were once again removed and now made as a {$3000.00} payment to this strangers credit card ( again, also Bank of America ). On XX/XX/XXXX I noticed the funds were once again removed and I spent hours trying to make a fraud claim only to be told that it will take up to 10 business days to get my {$3000.00} back in my account. I have a mortgage payment due in less than XXXX hours ( XX/XX/XXXX ), if I do not make my payment on time I will be subject to pay back a XXXX XXXX to the state of CA I was awarded in exchange for XXXX of on-time mortgage payments. I have called and spent hours of my life trying to get Bank of America to resolve this issue and to stop negligently giving this other person access to my bank accounts. I have given all of this information over and over again to their service dept. with absolutely no help to get action made to correct their negligence in a way that is not detrimental to my life.

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 2022-12-14 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: MA

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Mortgage company did not pay insurance through escrow account which caused a lapse in coverage and then when reinstating two months later the premium went up. Mortgage company refused to credit me the difference even though if they had paid it on the due date it would be the lesser amount. They took the difference from my escrow account even though i told them not to.

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 2022-12-14 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: InDebted Corporation
State: OK

Complaint narrative:
XX/XX/, I was told by XXXXXXXX XXXX call center representative XXXX, that my XXXX credit card with XXXXXXXX XXXX had been sold to a 3rd party called Indebted XXXX  due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to Indebted XXXX to make my payment. I contacted Indebted XXXX XXXX XXXX on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call Indebted XXXX as well as XXXXXXXX XXXX  over and over again, I even tried to dispute with my bank. I was told by XXXX XXXX  that Indebted XXXX has not sent them the check yet. I was told by Indebted XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XXXX XXXX I spoke with a supervisor by the name of XXXX XXXX with XXXXXXXX XXXX, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to Indebted XXXX my account was reversed BACK TO XXXX  AND NO LONGER WITH INDEBTED. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted XXXX XXXX and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay XXXX XXXX in attempts to XXXX out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using XXXX XXXX  of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my XXXX out my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
Aargon Agency is Reporting negative debt on my credit profile the amount is {$670.00}.

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
Someone accessed my account, moved money from saving to checking, then submitted XXXX telechecks against my account to XXXX totaling {$5000.00}. They also tried to open a car load, and additional accounts at XXXX and XXXX online banking institutions. All transactions and accounts have been stopped, closed, or disputed. No money actually was stolen, but now have 30 letters from a Collection Agency ( TRS Recovery Services XXXX Inc ). They are trying to collect the money from the me for the disputed charges to XXXX from me. The letters were received only XXXX weeks from the attempted transactions to my account. My credit was frozen as soon as I learned of the attempt on my 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 explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NC

Complaint narrative:
I got a letter in the mail stating I owed a debt and this company wanted the money because they purchased the debt. I replied asking for account details and also sent a letter asking them to stop calling my personal number as they were calling multiple times per day, every day. I sent all of this registered mail and made someone sign to pick it up. I then got a letter back with account information that was from an old credit card debt, so I know they got the packet I sent, yet they still call daily even after being asked to stop. I have contacted my local XXXX XXXX and gave them a copy of the original letter so that I have legal back up and so they could provide me with the legal steps to follow to prepare to file suit due to this company 's blatant attempt to ignore my cease and desist letter. 

The tracking number for the original letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX That was mailed on XX/XX/2022 to Credit Control , LLC.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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