vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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:
Multiple addresses are showing on my credit report that does not belong to me and I'm afraid that my personal information is going to somebody that should not have access to it. I had requested Experian many times to remove the incorrect addresses and update my report with the correct one but they never responded with a solution. This is violating my right to a correct credit report.

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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
First Investors Servicing is the company I pay my monthly vehicle loan payments to. I send in payments on a weekly basis. I also send an additional amount which I want applied directly to principal. Based on the response from FISF, they do not accept principal only payments. I've asked them to send signed documentation stating this, but they have failed to do so. They have also failed to apply my additional payments to the principal. They are applying the additional payments to the interest. I would not send additional payments to have them applied to the interest because that does not benefit me. I keep explaining this and they keep saying they can't accept principal only payments. This is a simple interest loan and as far as I know I can pay extra which gets applied to the principal in order to HELP ME pay off the loan quicker. If my additional monies are being applied to interest, then I am only paying according the regular schedule which will not benefit me in any way possible.

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 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect.

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 2023-12-07 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: PA

Complaint narrative:
XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX  This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis Nexus is providing false information as to whether or not I was involved in an auto accident. My father was involved in an auto accident I was not. This is affecting my insurance payments and my job. 

The dates provided are XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I Zelled the wrong person on XXXX weekend and bank isnt letting me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: AL

Complaint narrative:
This is an XXXX account with OptumBank. 

I discovered a significant amount of fraud on my XXXX account yesterday ( XX/XX/23 ). Over XXXX transactions, starting back in XXXX, totaling over {$5000.00} are fraudulent. I reported the fraud yesterday and requested the card be canceled. Additional chargers were attempted today ( XX/XX/23 ) and I called back to learn the first call did not close my card. I also learned that I should expect Optumbank to only go back 60 days on refunding fraud, as that is all that they are required to do by law. I told them I was going to dispute that and unfortunately for me 60 days would not get me to 50 % of the total funds stolen. 

I shared with them that I am disappointing that suspicious activity, like charges to retailers like XXXX, XXXX ( I trading card protector company! ), XXXX XXXX, XXXX XXXX engine repair, and XXXX ( an autoparts store! ) are not reported to me unless I monitor the transaction log. Also, disappointing Optum bank could not identify suspicious patterns like in XX/XX/XXXX individual transaction ranging from under {$5.00} to almost {$150.00}, totaling to over {$1200.00} at samsclub.com. Of those XXXX charges XXXX are under {$10.00} and occur in blocks of XXXX to XXXX charges a day. This is basic stuff that my credit cards report to my attention. I would think for an XXXX account these transactions would be even easier to identify. 

I am not sure how the card number was stolen, I am wondering if the breach was on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CT

Complaint narrative:
XX/XX/2023, I signed up for and established a transfer of {$10000.00} to Kraken, an online Cryptocurrency exchange, to buy XXXX. Kraken then took out {$140.00} from this sum as a transaction fee and converted the remainder into XXXX XXXX for a total of XXXX XXXX 

On XX/XX/XXXX and several times subsequently, I attempted to withdraw this cryptocurrency onto an offline secure wallet but the withdrawal was refused, and within hours I received notification that they would be closing my account with XXXX hours. I was told that I must re-convert the Cryptocurrency into US $ ( at my loss, if any ) and then they would send the remaining dollars in my account back to the original bank. They said this decision was being made for unnamed " security reasons '' and that for these same " security reasons '' they could not even give me more details. 

I am neither a felon nor a convicted criminal and there are no security reasons for wanting to close my account. I have written this to them several times and they simply answer over and over the same thing. 

Right now, Kraken has sold me goods, taken a transaction fee for selling these goods ( the cryptocurrency ) but has never allowed me to take possession of the goods in question since any withdrawal of this cryptocurrency was blocked. Since they have sold something to me without allowing me to take possession of it, and they now state they are closing my account, I have asked that if they continue to refuse to allow me to take possession of what they sold me, that they reimburse the totality of what I paid for the goods I never received. They continue to refuse to do so and have now given me an ultimatum of XXXX hours to do as they say!

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive submitted my dispute XX/XX/23 with no response or proper updates to my credit report.

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 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
I have attempted to payoff this loan. Difficult to get a person, when I do they agree it doesn't make sense that I paid {$4700.00} in interest and only {$300.00} in principal. I told them I want to pay this off ASAP but they said they need to open a ticket. Then they disconnected the call. Please help me get this paid OFF ASAP. I can't get answers about the interest. I don't think they want me to pay off so they can continue to assess as much interest as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.

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 2023-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was a victim of this data breach and I would for this account to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Equifax for their violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ). Despite my previous attempts to rectify inaccuracies on my credit report, Equifax has declared that the information provided is complete and accurate, which contradicts the facts. 

I previously communicated with Equifax regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have outlined discrepancies in the open date, date of last activity, and other critical details associated with these accounts. Despite my concerns and clear evidence of inaccuracies, Equifax has failed to conduct a reasonable reinvestigation, as mandated by 15 USC 1681i ( 5 ). This situation is exacerbated by the fact that 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies.

According to my rights under the FCRA, I request the Consumer Financial Protection Bureau 's intervention to ensure Equifax complies with the law. Specifically, I am seeking : A thorough and accurate reinvestigation of the accounts mentioned above. 
The necessary modifications to correct the inaccurate information on my credit report. 
Enclosed with this complaint are supporting documents, including evidence of the inaccuracies and copies of my correspondence with Equifax. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
Im a victim of this data breach and I would like for this account be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Im a victim of this data breach and I would like for this account be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2023, I notified PHH about a payment we made on XX/XX/2023, in the amount of {$3100.00}, that was submitted for our XX/XX/2023 mortgage statement, which also included an assessed {$950.00} bankruptcy fee. I was told that the account was currently under modification and that any adjustments would be made after the modification trial period. 

On XX/XX/2023, I again notified PHH that the {$950.00} bankruptcy fee was still showing on our statement. We were informed that the accounting error would be adjusted. We again notified PHH on XX/XX/2023, and XX/XX/2023, with no follow-up from PHH. 

On XX/XX/2023, we again notified PHH, and this time were told that the {$950.00} had been incorrectly applied to the principal balance, that there was nothing that could be done, and that we would be responsible for remitting a payment of {$950.00} as it was still showing past due. We were told that the balance due could be submitted through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is the third different complaint related to the same issue with PNC Bank. First PNC rejected the original and perfectly legal power of attorney presented to them. Then they requested that I use their POA form to accomplish the same task. Now, they rejected that perfectly legal notarized New Jersey PNC POA form stating that the notary didn't properly include the agent 's name ( me ) in the description of what she was notarizing. Perhaps PNC should design their forms to make it clear what they require because on the line that includes the name of the principal there is only room for XXXX name. I don't blame the notary because the form is very poorly designed. In the meantime, PNC has insisted that I use their form, which I did, and now they won't accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Following a fraud situation where I was threatened by a criminal online to deposit money into my credit card account, my bank decided to close my account. I then asked if my IRA and checking account was going to be returned to me, upon his response was, I dont see why not. I was told to call back in two weeks and I could rollover my IRA and transfer my checking to another institution. 
I called back on the XXXX of XXXX to be given a list by the fraud team that I had to complete to get my money back. The list was comprehensive including proof off outside account legitimacy. However, one of the stipulations was to prove the legitimacy of two checks my father wrote to me from his XXXX XXXXXXXX XXXX. The proof of check and proof of bank bia signature and check guarantee didnt satisfy their list. They also want a medallion signature stamp and ( loi ) or letter of intent. My dad asked his bank about this medallion stamp and he has it on a recorded line that the teller had never heard of that stamp being used in this scenario and thats a service they provide. He then asked the teller to please ask the district manager if he knows of this practice and he responded by saying that sometimes in the case of IRAs or bigger money amounts its used, but not to simply prove the legitimacy of a check. 
So, XXXX has stated that the signature guarantee and check guarantee are not enough to release the funds. I am going crazy be I worked so hard to build this nest egg and I feel that its my right to have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was a victim of this data breach and I want this account be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Global Lending Services LLC
State: TN

Complaint narrative:
I was a victim of this data breach and I would like for this be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Westlake Services, LLC
State: TN

Complaint narrative:
I was a victim of this data breach and I would like for this be deleted immediately

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 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Company, XXXX, will not stop calling 10-12 calls a day, all from different phone numbers. Claim a debt that I dont owe. Claim to be attorneys, which they are not. Harassing and threatening behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated messages
Company: Torriere Holdings INC
State: MI

Complaint narrative:
Company is repeatedly calling and texting family member and also nonstop calling and messaging myself after XXXX XXXX 7 days a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
We have stated to Portfolio recovery 3 times to cease and desist as we are represented by council. Portfolio repeatedly called me in an attempt to collect the debt.

Company response to consumer: Closed with non-monetary relief