vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have 3 accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these 3 accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed TWO YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submit an application to open a savings account through Comenity direct. I was intrigued by the rates and I was in the market for low risk investments. I went through the application and made an ach transfer from my primary XXXX XXXX The next day, I received an email giving instructions on how to log in to my account-I was not provided an account number. 
After some research, I discovered that many people had issues with customer service being unavailable and issues with transfers. I decided to open a savings account with a more well known bank and close my account with Comenity direct. I called them on Sunday, XX/XX/XXXX and the representative confirmed that she put in a request to close my account and have my deposit transferred back to my original account. I checked my primary XXXX account the next day and my funds had been successfully transferred to Comenity direct. I decided to call again XX/XX/XXXX, to check on the status of my account and transfer. I was hung up on a couple times while being on hold and I finally was able to get a hold of someone, only to have her confirm that the account was closed and that the transfer had been initiated and would take XXXX business days. She also confirmed that I would receive an email confirming my account would be closed. I waited until XXXX XX/XX/XXXX, and I still had no email and my money was still not back in my account. I decided to see if I could access my account and transfer the funds on my own so I called again on XXXX  and the representative, XXXX informed me my account was open and active. I accessed my account for the first time after receiving an account number from her and saw that my {$1500.00} that I had transferred was still in the account. Nothing had been done by any of the representatives I spoke with. I decided to transfer the money by myself and attempted to add my XXXX account. Per usual processes, I was told I had to confirm my account by reporting the small deposits Comenity made to my XXXX account. No deposits were made and today ( XX/XX/XXXX ) after checking, I am now unable to add any external bank to my account. I have no means to get my money back as the only account I can add is another comenity account and customer service has been very unhelpful as they have not done what I requested. I was told by 2 representatives that my account would be closed and my money retransferred and the third representative tells me my account is open and active. I have utilized their chat system and their automated response informs me that someone will reach out within 1-3 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MUFG AMERICAS HOLDINGS CORPORATION
State: OR

Complaint narrative:
MUFG Union Bank Purepoint is mistakenly reporting a late payment in XXXX 2022. Please see attached a transaction history from my bank showing proof of payment. Please recall the late payment asap. Thanks.

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I noticed a derogatory statement on my XXXX account from American profit recovery for {$45.00} dollars I do not have a contract with them and I do not wish to do business with them and would like for them to remove this negative account immediately upon my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Kriya Capital, LLC
State: OK

Complaint narrative:
Credence Resource Management XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I've had a mortgage with south state bank since 2009. I have never been late or missed a payment. I wanted to refinance the loan to get a fixed rate because my initial loan was an adjustable rate 1 % over prime with a floor of 6 %. I have paid 6-6.5 % interest for the entire loan. They were unable to refinance because it is a mobile home older than 10 years and they wouldn't give me a fixed rate on it. I found a different lender that would give me the fixed rate loan but south state bank would not release the title to the mobile home without it being paid off. We had the amount needed to pay the loan off in our savings account and wanted them to put a hold on our money and release the title but they would not do that. I decided to pay the loan off with my money to get the title. Now they are telling me it will be 30-45 days before they will release the title to me. They couldn't explain to me why a car title is released to the consumer in 14 days but my mobile home title will take 30-45. This will cause me to miss my closing date for my new loan and will most likely result in me having a higher interest rate and cost me thousands of dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I checked my credit report XX/XX/XXXX and Acima credit fka XXXX was on my credit report along with a XXXX address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted Acima and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru XXXX and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
XXXX has contacted them to let them know I did not open this account and this is fraudulent. Acima can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I made a payment of {$140.00} towards my bill with acima. I talked to the rep on the XXXX of XXXX about it and I asked the rep how much was left to pay off my loan before the XXXX buy out. He told me I had till XX/XX/XXXX. I instructed him that I paid the remainder off on the XXXX. The rep said ok will I call it in or do it online. I told him online. He said ok. I then paid off the account on the XXXX and received an email that I paid off my account. Today XX/XX/22, I checked my credit history and acima was still on their but saying it was active and I owed {$1000.00}. I called them and the lies started. I was told my the supervisor that even though I paid the remainder I didn't call it in to cancel the monthly payments so they tried to pull out the {$62.00} on the XXXX and it didn't work so they reopened my account. I've worked with acima before and never had I ever had to deal with this. They said the only way I can cancel this account is to pay them {$62.00} plus {$25.00} for the processing fee even though I told someone in advance and I paid it off in full. Not to mention I didn't receive any information that a payment was declined and my account was re-opend. the supervisor said my account was " pre-closed '' meaning it's not fully closed until the account is paid off. Which, it was!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above-mentioned Accounts have 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 an account without my written instructions XXXX Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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 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 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 2022-04-11 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: IA

Complaint narrative:
During the last 45 days I got 6 hard inquiries regarding one of the credit bureaux ( Equifax ). From the six active inquiries, 4 of them are coming from the XXXX XXXX. The first inquiry had the aim to fulfill the process for accepting a mortgage application ( and it was authorized by writing ). Them, the rest of the three inquiries were unauthorized credit inquiries with no legitimate purpose. The second inquiry is consequence from a lack of professional competence, and the subsequent need to repeat something that has been done previously. The problem is that there is no explanation for the last two inquires and, furthermore, there is also no prior authorization. 
As you know, multiple hard inquiries spread out over a longer than two weeks period of time can significantly damage credit scores and may impact the ability to qualify for a new credit. Furthermore, legally, hard inquiries can not occur without the own permission, which doesn't occur in the last two hard inquiries from the XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Sent company document/letter stating & also showing debt is not owed to me waiting for response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I had a vehicle loan with Pentagon Federal. I refinanced with lower interest rate with another credit union. The new bank sent the payoff to the Pentagon. On XX/XX/2022, Pentagon signed for the payoff. I received email that I was going to be turned into collections for not making my vehicle payment on XX/XX/2022. I called and was told that I had 5 days to either make a payment of clear up the problem. I finally got confirmation that Pentagon had the payoff the entire time. I was told the mail room was behind on XX/XX/2022, and that they would just put me in for a skip payment so there would be no issues with late payment concerns or dents to my credit. I shared my credit is excellent and I do not want it to be dinged due to their incompetence. I was told there was nothing to worry about. Today is XX/XX/2022. I received another email that my loan is delinquent. I called they are still behind in the mail room. They have my payoff they signed for on XX/XX/2022 ; have no idea when they will get to it but when they do if affects my credit they will call the creditors and let them know that I am not at fault. My credit will then be fixed within 30-90 days. So unacceptable! I had to report an employee that forgot to put me on hold, and mocked me when I spoke and states " blah, blah, blah, blah ''. When I said excuse me, did your forget to hit mute because I just heard every bit of your mocking me. She replied " oh sorry ''. Now my credit has been dinged XXXX  points. It was excellent prior to this. Everytime I call Pentagon Fed they hang up on me, give me excuses that they mail room is behind and now they are saying I owe them {XXXX} in interest that grew in the 30 days they had the payoff. That is ridiculous. I am not paying anything. They had the payoff 30 days ago, it should not have grew any interest! It should have been paid off the day you received the check! Please help! 

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 monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation