vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My rights are being continuously violated by Equifax it started with the Breach of XXXX and my XXXX score has been erased and all of my accounts also, I have XXXX different companies reporting on other companies report but not Equifax because they are blocking my credit history trying to XXXX XXXX  me into paying them XXXX dollars a month to build my credit they just sent a response that I should call then when I did call them they said they are not blocking my credit but the fact is they are blocking my credit and I'm sending a screen shot as proof from there own website myequfax.com this behavior need to stop immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company is XXXX XXXX, serviced by Commenity I purchased merchandize on 18 months same as cash promotion. As balance has been paid down, the minimum payment has been $ XXXX On the most recent payment, the minimum payment went up to $ XXXX without any explanation. I called company, but got no explanation that made sense. They said there was a change in terms that caused an increase in interest rate. I'm not sure how that wold affect minimum payment due. I have no record of a Change in Terms and a change in terms would only affect new purchases, not current balance. I have not made any new purchases. 

pls help get this corrected.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2023 I caught the mistake Loancare XXXX XXXX made. They purchased a XXXX XXXX on my behalf even though I provided them my current insurance policy through my HOA. They disregarded this information and purchased a XXXX policy insurance on my behalf and they took XXXX from my escrow account. It took over XXXX XXXX  for me to get a refund. 
Now that I received the funds and I want to make payment, their system is down. My state property taxes are due and my escrow account is in the negative. I have contacted consumer protection attorneys over this matter and I was told to file a report. Furthermore, I can't make my monthly mortgage payment either, which I am afraid can hurt my XXXX XXXX and my cause additional late penalties on my property. This is completely outrageous and illegal.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Toyota Credit De Puerto Rico Corp.
State: PR

Complaint narrative:
i filled twice an appication with Toyota Credit for a Auto Loan in XXXX  NO response or email with the Information about it, or letter or Call. I was a Toyota Credit customer in the past. 

my loan # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I submitted a complaint regarding an account that is listed on my credit report. While I was XXXX, an account was opened in my name. I provided Comenity Bank/XXXX  with documentation showing that I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. The XXXX XXXX XXXX was opened in XX/XX/XXXX, XXXX months after I was XXXX. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of XXXX that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
The Account Numbers is reporting inconstantly across all XXXX credit bureaus. If this account was properly verified all information should be reporting the same. 
TRANSUNION REPORTS # XXXX AND 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 2023-11-28 00:00:00
Product: Credit reporting 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: IL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MN

Complaint narrative:
My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
NAVY FEDERAL CREDIT UNION, Account # XXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX  This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Subject : Dispute Case # XXXX - XXXX XXXX Dear Chase Bank Customer Service XXXX I am writing to address a matter regarding the dispute case associated with XXXX XXXX XXXX referenced as Case # XXXX. Recently, I received correspondence from your bank indicating that the dispute has been resolved. However, I want to stress my concern again as below.

In the course of my conversation with your representative, she explained that the hotel had invoiced me directly in US dollars, totaling {$960.00}. Conversely, the XXXX XXXX had previously communicated with me via email, indicating that the charges were made in XXXX dollars, amounting to XXXX XXXX dollars. I was further informed that Chase Bank 's exchange rate conversion resulted in a charge of {$860.00} for the equivalent of XXXX XXXX dollars. 

Given the evident disparity between the charges in XXXX dollars and the XXXX dollar amount communicated by XXXX XXXX, I kindly request that you initiate communication with XXXX XXXX to reconcile the price difference. My dispute is rooted in the discrepancy in charges rather than any dissatisfaction with the services provided by the hotel. 

If you believe that XXXX XXXX did not make any mistake, please list the charges about the foreign exchange of this XXXX XXXX dollars from Chase bank. 

I appreciate your prompt attention to this matter and kindly request that you address the pricing issue with XXXX XXXX at your earliest convenience. Please keep me informed of any developments in this regard. 

Thank you for your assistance in resolving this matter. I look forward to a swift resolution and a prompt update on the progress made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
I have been waiting since XX/XX/XXXX to have my kitchen repaired and the mortgage company is holding the check. I have been paying out of pocket and they are refusing to send the money. They give me different answers every time and have failed to file paperwork multiple times they are trying to extend this process to prevent me from being able to have tenants in the house or have a functional kitchen to be able to pay my mortgage. The insurance company did not release enough funds to complete the project and the mortgage company has been holding funds for several months. Its unacceptable and abusive. I am a XXXX woman, and I find it completely unfair that a large corporation can treat me this way. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I received an invoice from XXXX XXXX, and their email address was XXXX. The invoice was for an XXXX XXXX XXXX that was purchased by XXXX XXXX in XXXX. The invoice also stated that they used my XXXXXXXX XXXX. The invoice said to call this number XXXX XXXX XXXX XXXX to report this incident and block this transaction. I called this number, and a person with an XXXX accent picked up. They led me into thinking that money laundering had occurred on my account. They told me to turn on screen broadcasting so they could see my screen. I was fooled into sending money to XXXX through TransferWise because the bank was under my name. I sent over {$9000.00} to XXXX in increments. However, I did not know the bank account numbers. They gave me the bank account number to enter in. 
XXXX XXXX XXXX XXXX  Account number : XXXX I hung up after they told me to use my investor account on XXXX XXXX. The next day I disputed the transaction with XXXX XXXX, and they are investigation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: NC

Complaint narrative:
Regional Finance is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX nc on XX/XX/XXXX of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with XXXX  also but XXXX will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Assistance Inc
State: LA

Complaint narrative:
Company financial assistance inc said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted XXXX and the other two reporting agencies and they never removed this fraudulent item they never got the code

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I will continuously dispute the negative close accounts that were reported on my credit report : XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX According to the information on my XXXX report, XXXX XXXX - Account XXXX : XXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies.

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting.

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been having fraudulent charges on my account and I called CHASE bank and informed them that I did not authorize the charges that I had disputed and each time they have held me responsible for these charges. I was never given any written authorization that bear my signature that I authorized these charges. As a consumer I am suppose to be held XXXX fraud liability for charges that I didn't authorize. I am suppose to be protected under the fair credit billing act which my rights a consumer has been violated. I am now complaining to FTC, CFPB and the FEDERAL RESERVEBOARD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Date of purchase of this vehicle was XX/XX/XXXX from XXXX. Wells Fargo was the lending of the car loan. I filed bankruptcy on XX/XX/XXXX. In that bankruptcy I reaffirmed my vehicle to continue to keep the vehicle and continue payments until the vehicle was paid off. Well Fargo Dealer Services National Bankruptcy Division mailed out a letter of acknowledgement confirming the reaffirmation request and accepting the terms of the initial agreement. Under acct XXXX my vehicle was paid off on XX/XX/XXXX. After pulling my credit Wells Fargo has failed at reporting 5 years of credit history involving my vehicle. After speaking with XXXX XXXX and XXXX the escalation rep at Wells Fargo. I was advised that due to a system error and failure to appropriately flag my acct for bankruptcy my credit history was removed and can't be reinserted to all credit bureaus. I was told that due to remediation there's NOTHING they can do. This is unacceptable and a complete injustice to me as a consumer having paid off my vehicle under contract terms and not have it reported properly. I have a right a consumer to know what system error caused Wells Fargo to remove all history of my payments to all credit bureaus. I should also have the right as a consumer to request this to be reinserted without any push back from Wells Fargo. This has impacted my credit negatively and I'm looking to have this resolved and reinserted expeditiously reported to all 4 credit bureaus. I'm also requesting an explanation of this system error. I have spoken with 7 different people at the Office of Presidents as well as the bankruptcy division asking how to file a complaint of resolution. They credit bureaus are refusing to file a dispute that doesnt appear on my credit. I understand that this can be done by the credit bureaus if a company is refusing to reinsert my credit history. I'm asking that Wells Fargo report this to the credit bureaus or if that fails for the credit bureaus to open an dispute on my behalf regarding this information not being reported and to have the 5 years of missing credit history to be reported and visible on my credit report so that my score can be increased. 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent requests to XXXX, XXXX and TransUnion in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports

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 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have federal student loans that are currently serviced through Nelnet. I'm under a standard repayment plan. I used their system to set up an autopayment. Based on their dashboard, my auto-payment should be {$610.00} a month that comes out on the 3rd of every month. For the last two months, with no notification, Nelnet has debited my account for an additional {$430.00} on the XXXX of the month even though there is nowhere on my account that says this amount is also due. I've tried to call and have never gotten through and have sent them two separate emails about the extra payment that is being taken out of my bank account. I think Nelnet is either incorrectly taking out additional money or they are not being transparent on what the monthly payment should be.

Company response to consumer: Closed with explanation