vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX : {$970.00} XXXX. XXXX Account # XXXX Bal : {$0.00} XXXX. XXXX XXXX Account # XXXX Bal : {$1600.00}

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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account # XXXX Bal : {$970.00} XXXX. XXXX Account # XXXX Bal : {$1600.00} XXXX Account # XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Credit Karma, LLC
State: MN

Complaint narrative:
I've filed this same complaint multiple times. It does belong to them. 


This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX scammed me out of money. They told me they would refund my money after not providing services. Breach of contract. They blocked me after receiving the money and had no intention providing services..They committed provided Fraud by Deception. I have reached out several times for a refund with no success. The last message I received was that I had to wait 189 days for a refund since I wouldnt send more money. These people are scamming people out of money from XXXX. This is where I found them at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I refinance with capital one bank XXXX of 2021. In XXXX of 2021, I began asking Form my title. It after multiple attempts at least 10..I am contacting you for assistance. Maryland is a title state so I should have my title to show ownership. I have been paying capital one every month on time and have yet to receive a title to show this vehicle belongs to me. I've asked for compensation from them and they are telling me there is nothing they can do so I have to just sit and wait patiently until they decide to give me what is rightfully mine. I've given them all of the extra documents they need and they are still contact contact me for the the XXXX address where to send the paperwork! They should have this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : XXXX XXXX And also any original documentation used to open this account, ID, signature, credit card

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 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
From XXXX to XX/XX/2022 I paid total amount of {$3300.00} to Hyundai Finance Co as a part of XXXX XXXX car loan payment ( 72 month payments monthly {$670.00} ). 
Since Mid XXXX I asked to have a copy of the title to transfer car plate from NJ to NY State for a business, the company has neglected with a number of lying and breaking their promises until now.

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 2022-08-18 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: PA

Complaint narrative:
I recently pulled my credit report on XX/XX/XXXX and saw many fraudulent inquires on my report. I did try to call and dispute these but was advised by the Transunion XXXX that I needed to file a FTC report and then write the company back with my dispute. The Inquiries that have been reported only report are not mine. Below is the list and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again these inquires were not made by me and are fraud and need to be removed from 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Established XXXX account at Suntrust ( now Truist ). Sent check to beneficiary in XXXX for {$95000.00}. Beneficiary received the check, endorsed it and deposited this check into his account. Check cleared Suntrust on the XXXX XXXX XXXX, but the funds were never deposited into beneficiaries Scottish bank account. I, as Trustee, contacted Truist to try and find out to which account the money was deposited into after it left the trust account. My fist contact with Truist was in XXXX of XXXX at the branch level. This was no help, but they did give me the XXXX phone number for Truist. I called it in late XXXX and must have spent hours on the phone trying to get someone to listen to me. I was told by a number of these different people I should put a " STOP PAYMENT '' on this check, since Suntrust had paid the check I informed them how could I. After months of trying I finally I spoke to XXXX XXXX, she understood what I was asking and said she would try and help solve this situation. She called me today ( XX/XX/XXXX ) and informed me that Truist policy was that once the money left the trust account legally there was nothing that they would do about it, Truist was not legally bound to inform me of to which account they had sent the money to. It is a simple question I ask -- what account did the money go to after it left the XXXX account, as it wasn't deposited to the beneficiaries account. 
The Suntrust trust account number is XXXX, the routing number is XXXX, the EIN to which the account was set up is XXXX, the account was opened at the branch in XXXX XXXX, Florida around XXXX XXXX. There are two Trustee 's on this account, I am one of them, my name is XXXX XXXX. I can be reached at either XXXX or by cell phone at XXXX - XXXX - XXXX. I also sent a certified letter to the CEO of Truist on the XXXX of XXXX, explaining the dilemma of trying to solve this question " To which account did the money go to after Suntrust ''?

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 2022-08-18 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: EQUIFAX, INC.
State: MD

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. 
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 a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: MD

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. 
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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2020.

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 2022-08-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2020.

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 2022-08-18 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
First National Bank of Ohama is reporting late payments on my credit reports due to a transfer of accounts from XXXX XXXX  XXXX credit card. According to First National Bank this transfer happen in XXXX of 2022. I was not aware from both banks of the transfer of accounts. Please keep mind during my time with XXXX XXXX  I was never late with a payment because my account was on automatic payment from my checking account. The only way that I found out of the transfer because I answered a XXXX phone number that ask me personal questions of a account for XXXX XXXX XXXX Of course I did not give out personal information unless the company told me information about me. When First National Bank of Ohama gave me the information needed then we began to speak about the account. Please keep in mind of identity thief for giving out information to a company I never agreed to do business with. I spoke with XXXX the supervisor at First National Bank of Ohama and told XXXX I was not aware of the transfer process between XXXX XXXX  and the late payments should be removed. The payment was for XXXX dollars and I immediately paid that amount. The Fair debt credit reporting act give me the right to issue this complaint or take legal actions due to unfair practices by Fair National Bank of Ohama. Once the bank took over the account the automated payment should have been included during the process. Please understand, I am a consumer and have rights for fair reporting. If this transfer would have happen with notice and a new issued card to the address on file then this complaint would have never happen.

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 2022-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
IN XXXX XXXX showed a debt for City of XXXX XXXX XXXX in the amount of {$9500.00}. I contacted the hospital and was advised that no debt was showing owed and it was removed. Unfortunately, when this showed up again on my credit report ( under under the debt collector CMRE ), I contacted the hospital and they were unable to locate my account by name, social or address so I contacted CMRE and t/c w/XXXX-Rep # XXXX on XXXX, I advised her that I had XXXX at that time and she advised to Fax XXXX Doc to # XXXX w/acct XXXX XXXX XXXX This task was complete same day. On XXXX I called CMRE to get an update and the first rep took my name, verified my account and then disconnected the call. I called back and spoke with a rep named XXXX and she stated that XXXX XXXX XXXX denied the claim. I stated that I didn't have united health care at the time and my XXXX document was faxed over on XX/XX/XXXX. As I tried to explain the history of this account, I was told by XXXX in a rude manner that I " needed to allow her to speak ''. She was beyond rude beyond words as if I was an inconvenience. She said that the XXXX document was not located and to resend it again. This time I was told to e-fax the XXXX document to XXXX and I did this same day. On XXXX I called XXXX again to get an update, this time I spoke with a rep named XXXX and was told that my fax was uploaded on XX/XX/XXXX and no action has been taken. She stated that the document was " locked ' and she was unable to review it but according to the notes NO action has been taken nor has my account been reviewed. I have done everything this company has asked of me and when I try to get an update, I am either disconnected, treated in a rude manner and no one will help remove this from my credit account nor take any account to file a claim with my insurance that I had at the time which was XXXX. I'm asking for assistance as this has been on-going since XXXX and CMRE as a company is non-responsive and their customer service team members are rude and abrasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: KY

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. 

On XX/XX/XXXX, I requested for an XXXX from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the XXXX was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. 

On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. 

On the XXXX, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX XXXX  based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I initiated an electronic payment which my bank indicated would arrive to my lending institution on XX/XX/XXXX. This was the date I intended the payment to arrive. My statement cut off date was XX/XX/XXXX. I wanted this payment to be applied to the XX/XX/XXXX statement. 

When I received my statement dated XX/XX/XXXX it did not reflect my payment of {$320.00} which was scheduled to arrive on XX/XX/XXXX. So I did not believe anything was amiss. 

On XX/XX/XXXX I received an email from Wells Fargo which stated : " We wanted to remind you that your payment for your WELLS FARGO XXXX XXXX ending in XXXX  is due today : XX/XX/XXXX. As of XXXX XXXX  PST, the minimum payment due has not been scheduled or received. '' I immediately called them and told them over the phone that I had sent a payment of {$320.00} and that my bank showed they had received the payment. They told me that my payment of {$320.00} was actually received on XX/XX/XXXX and had been applied to the XX/XX/XXXX statement, thereby creating a double payment for that statement and no payment for the XX/XX/XXXX statement. 

I told them that was incorrect and requested they needed to fix it. 

I was assured on the phone that they would fix this and that I would not be charged a late fee and also that my 0 % interest status would not be forfeited by this " late payment. '' Today I received my XX/XX/XXXX credit card statement in the mail and it showed my account past due. It showed my timely payment for {$320.00} dated XX/XX/XXXX. I was charged a late payment fee of {$29.00}. 

When I print " recent activity '' on their website it shows the last payment was received on XX/XX/XXXX. It does not show the payment I made yesterday on XX/XX/XXXX. The XX/XX/XXXX statement does not reflect the payment, but the XX/XX/XXXX statement does reflect the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : Bridgecrest XXXX And also any original documentation used to open this account, ID, signature, credit card

Company response to consumer: Closed with explanation