vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NJ

Complaint narrative:
I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX  AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

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 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Awar Holding Inc.
State: NJ

Complaint narrative:
I HAVE CONTACTED AND DISPUTED THIS COLLECTION WITH THIS COMPANY AND THE CREDIT BUREAUS MANY TIMES. THEY KEEP VALIDATING IS AS MINE FOR A HOSPITAL BILL XXXX XXXX THAT I KNOW NOTHING ABOUT. FURTHERMORE I HAVE HAD FULL MEDICAL COVERAGE FOR MANY YEARS AND WOULDNT BE ASKED TO PAY OUT OF POCKET FOR THIS. THE DEBT KEEP BEING SOLD TO NEW COMPANIES AND WHEN I CALL THEY VERY RUDE, INTRUSIVE AND ABUSIVE TELLING ME ITS MY DEBT AND GIVING ME LITTLE TO NO INFORMATION. I AM FED UP WITH THEYRE CONSTANT CALLS AS WELL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: NJ

Complaint narrative:
I have a consumer statement listed on my report that Id like removed and Equifax will not take it off my report at my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against American Express for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit to American Express via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX American Express Card offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods, I also could attend my maternal siblings XXXX granduncle 's funeral legendary ceremony properly as I planned as a result of the unfair and deceptive act American Express adverse action letter dated XX/XX/2022, referenced as XXXX allegedly due to XXXX score obtained from XXXX based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and i request good faith reconsideration

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I attempted multiple times to return a call to XXXX  regarding a debt they contacted me about. I received no response, so I submitted a dispute via email ( to XXXX ) on XX/XX/2022. I still received no response via email, paper mail, or phone. Said collections account was reported on my credit score XX/XX/2022 after I was unable to reach them to verify the account or pay anything. I was then contacted by a different collections agency this month trying to collect it ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I disputed an account that is not mine. I sent a XXXX dispute letter asking for more information showing that its my account because its not mine and they cant prove it is. 

They keep closing the dispute and not removing the account from my credit. They wont help me when I call or email. They wont send me any information backing up that collections account claiming to be mine.

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 2022-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
We leased a XXXX XXXX XXXX, new from XXXX XXXX. Turned in the lease on XX/XX/XXXX. And purchased a new XXXX XXXX XXXX from the same XXXX dealership. In XXXX we received a notice that the XXXX XXXX XXXX was in collections and a repo guy came to our house looking for that car. We got in touch with XXXX XXXX to see what the issue was and come to find out they didn't " ground '' the car. Kia stated that it was a mistake on their end and they would take care of it. Our credit was severely damaged from a issue that was not our fault. 

Then XX/XX/XXXX ( so 2 years after we turned the car in ) we received another letter stating we owe {$1000.00} for " Early Termination Liability ''. Obviously we didn't know what this was about, so after making MULTIPLE calls to the Kia Customer Finance, which was no help, we decided to go up to a XXXX XXXX. Well the XXXX XXXX was sold to XXXX XXXX. They took a look at all of our documentation and said this was a huge mistake on XXXX XXXX 's part but they couldn't help us. They said it was not " XXXX 's '' problem it was " XXXX 's '' problem. They XXXX XXXX XXXX XXXX told us that it looks like XXXX pushed back the grounding date of the car on XX/XX/XXXX. Apparently they can only backdate it so far, which makes it look like we turned in the car in XXXX, when we did all of this in XXXX. 

I then contact the XXXX of XXXX. He states that is not able to help us. And that XXXX is " stonewalled '' from helping us because of XXXXXXXX XXXX liability. 

Our account number is : XXXX We called XXXX and spoke to someone on XX/XX/XXXX for 24 minutes. XX/XX/XXXX for 28 minutes. Called XXXX on XX/XX/XXXX minutes and then again on XX/XX/XXXX for XXXX minutes. This was all XXXX XXXX relations who were not able to help us in regards to this bill. 

We have attached the Lease Agreement that states we owe {$1000.00}. We have attached the contract for the XXXX purchase of the new XXXX. I have attached all of the communication with the Sales Manager XXXX XXXX from XX/XX/XXXX. We have attached our entire payment history of the XXXX lease. The customer delivery checklist is attached.

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 2022-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX I deposited a check for {$3900.00} through Chase XXXX XXXX from an XXXX XXXX Campaign for XXXX XXXX XXXX, so I thought , but apparently it was a scam. The check cleared but then they had a hold on the check processing but the funds was not removed. It was confusing so I called the bank XXXX and talked to 2 representatives. The 1st said she believed something was wrong with the check and that it should clear by XXXX but she wasn't sure, so she transferred me to the deposit department which would have more information about the check since they handled it. I talked to a rep in the Deposit Dept. He told me that the check was good and the funds were available. I asked about the hold and he told me that I shouldn't worry about it and that it should fall off, but I was good to go to spend the funding. I confirmed 3 times with him before I hung up that it was okay to spend the money and he said yes. So the instructions for the campaign was to transfer {$2000.00} XXXX to a XXXX XXXX at XXXX XXXX XXXX and {$1200.00} through XXXX XXXX $ XXXX to pay for the wrapping on the vehicle. I was given an appointment for XXXX at XXXX. The next day my account was negative and the hold was legit. I called the bank XXXX informing that the rep in the deposit department gave me the okay and had he not, I would have held out in spending the cleared deposit until whatever investigation they were doing on the check had cleared. I had did my due diligence in checking beforehand, but apparently they did not do theirs which caused me to issue out {$3200.00} of which I did not have. And all they could do was apologize for the reps misguided information. I called back XXXX to contest again to see if I could be covered for the transactions since technically it was their fault and repercussions should be done. They said they might be able to do something about the XXXX XXXX payment of {$1200.00} since I was schedule to have my car wrap and it didn't happen so it was services un-rendered, however they could not do anything about the XXXX payment of {$2000.00} and I would have to go through XXXX to contest, so I filed a scam report with XXXX and have not heard back from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of XXXX : XX/XX/2022 Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, 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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with FCRA 15 U.S.C. 168, I am entitled to a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: WA

Complaint narrative:
On XX/XX/2022 early in the morning, my debit card and cell phone were stolen from me by a man I had met only 2 days before. I had gotten him gas, so he had the PIN number. He left me in a city I am unfamiliar with and I did not have my phone. I was XXXX assaulted that day and was in the hospital while charges were taking place. After I was released from the XXXX  I checked myself into a program called XXXX at XXXX XXXX. Only then did I see that my card had been used and my money wiped out. I canceled it on XX/XX/2022, but it was too late. Due to the severity of the attack, I did not have the strength to call the bank until XX/XX/XXXX and spoke to a woman about the charges. I was able to identify the last time I had used the card, and the charges that took place after it was stolen. After almost 2 weeks I reached out to see what was going on and I was told that the claim had been denied due to the fact my pin was used and that I had notifications set up. But again, my phone was stolen from me so I had no way of seeing these charges. I filed a police report and sent it to them, I let them know that the charges were from an ATM and that they have cameras that could see that it wasnt me pulling out my money. I disputed the claim twice and was still told it was denied. I was told multiple times that someone would be in contact with me and I never heard from them. I then received a letter in the mail that listed charges not even related to the claim that had said they were denied. I filed a complaint with the XXXX and finally heard from someone XXXX XXXX and he told me there would be another investigation. This person sent the XXXX a letter letting them know that the issue was solved, which it wasnt. He let me know that the claim did not rule in my favor. The XXXX gave me a link to file a complaint with The Texas Department of Banking, which was completed and sent out on XXXX XXXX. Losing {$860.00} may not be a lot to some people, but for me this was devastating. After the attack I had to quit my job and enter treatment. My son and I are starting over and without this money we dont have much to start out on. After everything that happened I am astonished that my money was stolen from me and then I was treated like I was committing fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 credit union told me to go to the bank with the person name on the check to release funds I went there handed them the letter over yall send me and they said they could not find the account I will like them to disburse my funds or I would have to take legal actions Attached is the letter they send to me which was a lie they need to stop telling fabricated stores and refund my funds thats left in my bank account that is clearly not theres I can be reached at 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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Todays concern is in regards to my account with Capital one Account # XXXX I ran into an issue in XX/XX/2021 When I XXXX XXXX XXXX XXXXXXXX This put me in a pickle for several months. Thankfully I got back on my feet and I got account current in XX/XX/2021. I have since been paying on time as well. Since Congress passed the CARES ACT to assist consumers impacted by Covid.I hope we can get this resolved quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
, Transunion, XXXX you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX  I request you remove it also

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 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
There never was any proper chain of title which I now have proof of and in XX/XX/XXXX I received an IRS form XXXX for XXXX from the " servicer '' with an open loan number and zero owed on the principal balance of the home yet I was unlawfully foreclosed on XX/XX/XXXX?? They never applied the insurance from my husbands death until XXXX after a letter was sent to the Colorado Insurance Commissioner?? My husband passed XX/XX/XXXX and they were fully aware of the insurance which I also have proof of. I have so many documents of the corruption and theft of my home! I fully expect justice to be done and my home returned to me and punitive damages to be paid! 

I have a series of events and all documentation of any and all allegations.

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 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX my husband and I traded in a XXXX XXXXXXXX XXXX for a newer vehicle. XXXX in XXXXXXXX XXXX is the place we traded at. Credit Acceptance Corp is still calling my number and and my credit score has gone way down because they keep saying we are late with the payment even though we no longer have the vehicle and XXXX was supposed to take care of this. I want Credit Acceptance to cease calling me and repair my credit as we no longer have the 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 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX {$7400.00} fraud remove i been asking to get this remove for a XXXX XX/XX/XXXX {$2600.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX {$6300.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX Paid, Closed. {$1.00}, XXXX written off fraud Paid, Closed remove XX/XX/XXXX remove fraud XX/XX/XXXX removed fraud XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$8.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I tried several times over the past year to pay this credit card bill online and it never went through. I called the company and paid the balance and they help the payment until it was past the de date. hey charged a {$41.00} late fee after the account was closed. The balance ballooned to over {$280.00} and they are ruining my credit. I found this out when trying to pre qualify for a mortgage.

Company response to consumer: Closed with explanation