vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Same as my other complaint. I did not apply for a mortgage loan through anyone except XXXX through a local lender. XXXX will not do a hard pull. While I was applying I clicked next and a screen for a different mortgage company ( XXXX ) popped up and I continued not knowing a fraudulent site interrupted my application with XXXX. It is a glitch/malware on my computer that now needs to be fixed. 
Apparently all of my information was sold to a variety of lenders. Xactus XXXX just did a hard pull in my credit that I did not authorize. I can not get through to the company to tell them. I need my credit blocked from all HARD PULLS on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma advertised a promise to pay {$50.00} per card advertised on my credit report account. 3 of the cards with the promise denied me and Karma failed to pay me a total of : {$150.00} dollars. XXXX XXXX XXXXXXXX, and XXXX XXXX  also denied me. All of the merchants compromised my personal information and ads, calls from people trying to sell me houses, etc became continuous and yet no card with the money promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NJ

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/2023 a payment was made to my BofA account in the amount of {$1200.00} but when I went in the next day I noticed it wasn't there. My valid payment went to a fraud account in error that had not been removed from my online bill pay. I contacted BofA to advise and they transferred my payment to my correct account at that time which caused an overpayment. I advised the representative at that time that I just wanted them to keep the overpayment on my account and I had stuff coming through that would basically wash the credit balance. I received my statement and it said that I was past due. At that time it was also saying that I owed {$1900.00}, which I only actually owed a little over {$500.00}. I was extremely confused and noticed on my statement that on XX/XX/2023 my payment was reversed which in turn said I was past due which I am never past due. On XX/XX/XXXX I called to find out why my payment was reversed and they could not answer me as to why and said that they would have to research to find out. They did say that it was there error and that they would fix it for me. They removed my late fee and promised me that I would not received finance charges. I I then called again on XX/XX/XXXX and was told that they were still researching and that they would come to a decision as of XX/XX/XXXX. I called the company on XX/XX/XXXX to see why my account was still not credited. They tried to explain to me that they didn't know why and needed to research it again. I asked to speak with a manager and she out in a research request AGAIN to find out what was going on. On XX/XX/XXXX I received a letter saying that my issue was resolved and I received those funds back into my personal bank account, which I did not!!! I then called again on XX/XX/XXXX to escalate to another manager, gave her my personal bank account which is the only one BofA has on file and they told me that they are still " researching '' and I need to wait the 10 days. I have spoken to several people for a total of 5hrs of my time, time that I can not get back. I still have not received a phone call OR my money back to my credit card OR my personal bank account. I feel at this point that they are stealing my money. I owe nothing on this card at this time other than they money that needs to be credited back. I am getting impatient because I am never late on payments and pay in full every month and my cycle date is getting ready to hit soon and I do not want this to reflect on my credit history since this is their error.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to urgently bring attention to the fraudulent and erroneous personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: CA

Complaint narrative:
We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX  ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed. 

XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, XXXX XXXX, which was delayed. 
We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place. 
We have both been flagged by the credit bureaus for late payment of 30 days from XXXX XXXX although the original payment was submitted and received in a timely matter.

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 2023-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
I was given a {$100.00} American Express Gift Card from my company. If I check the available balance for the card using the American Express gift card website, or if I call their 800 number, it indicates the card is active and has a {$100.00} balance. However, for one year I have been attempting to use the card and it is always declined at any merchant I attempt to use it with. It it is not a physical card, so it can not be used directly in a store, but must be used online. I have attempted to use it with many merchants, and they are all reporting that it is being declined by American Express. Both XXXX and XXXX have confirmed the decline is from American Express. 

It is nearly impossible to reach anyone at American Express. When I did, they explained the card will be declined " for my protection '' but refuse to provide further information either hanging up on me, or transfeing me to an endless queue to speak with someone else. The only suggestion I have received from them was to continue to attempt to use it at other merchants, until hopefully one will be approved. This is an absurd suggestion, and seems to infer that it is possible American Express never intends to actually honor the gift card and never make the {$100.00} available for use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: NC

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-15 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15 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: NY

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted XXXX, XXXX, and TransUnion on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes : XXXX XXXXXXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified XXXX, XXXX and TransUnion on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified XXXX, XXXX, and TransUnion my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2023-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted Experian, XXXX, and XXXX on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified Experian, XXXX and XXXX on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified Experian, XXXX, and XXXX my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is an ongoing issue, SPS customer service continuously demonstrated a lack of knowledge and is leading my property to Foreclosure. 


I applied for a Hardship on XX/XX/2023 due to the onset of XXXX and medical reasons. My situation has not changed. The written communications received are always unclear as to what is required and request the same documents that have been provided multiple times. When I call customer service, each representative provides different messages on the status of the file/unable to interpret the letters so that I can provide what is being requested. 

On XX/XX/2023 Spoke with XXXX who advised that a valuation is needed, when questioned why another customer service rep stated that one is not needed, her response was that they have a lot of new people and they don't know where to look in the system. 

Underwriting requested documents that are not applicable to my file such as " pay-stubs were received and are missing pages ''. I have never submitted a pay stub or saw any pay stub that had multiple pages. In lieu were tax returns and profit and loss statements were provided. 
Underwriting finally requested the invoices to verify my 1099 monthly income. While requesting documents that are not needed the bank statements expired and updated requested and provided. During this time the lag process providing a final decision places the account into further delinquency. 


A property valuation was completed on XX/XX/2023 immediately followed by a decision review on XX/XX/2023 and then a demand default letter on XX/XX/2023 all events happened with a 24-hour and 48-hour date timeline. Urgency is not being made to review the new application with income and assets provided on XX/XX/2023 to appeal. It is still not clear why the account is not eligible for any resolution with the new income that has been provided, instead, I received letters on XX/XX/2023 and XX/XX/2023 appears an option to one of the retention options was not checked and that correction has been made and waiting for a pending status with a default date of XX/XX/2023. 

I've followed all the requirements and still attempting to retain my home. There is a lag time between when documents are mailed and placed on the website causing issues to meet critical deadlines. I'm being discouraged from applying for credit and the right to appeal causing me grave mental anguish. Discrimination against a person with a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiry 1 : XX/XX/2023 XXXX XXXX XXXX ( Bank ) Inquiry 2 : XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) Inquiry 3 : XX/XX/2023 XXXX XXXX ( Finance ) Inquiry 4 : XXXX XXXX, XX/XX/2023 XXXX XXXX ( Finance )

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 2023-09-15 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: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I received a letter from National Enterprise Systems stating that I owe XXXX Bank {$150.00}. I did not give authorization for National Enterprise Systems to get information they are a third party and I never received information from XXXX Bank letting me know that they were sending information to third party. When I called National Enterprise Systems to get signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off 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 2023-09-15 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: MO

Complaint narrative:
Same problem but now they acknowledge XXXX and there letter states they know XXXX and XXXX are the same company. They say I need more time on XXXX when I ever stopped paying them and never late, this is being sent because we were asked to send one last complaint

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 2023-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
VANILLA GIFT CARD IS FRAUD!!!! THIS IS THE 3rd or 4th TIME HAVING TO REPORT THESE CARDS NOT WORKING. CLEARLY THE WORKERS ARE STEALING PEOPLE MONEY AND USING IT AND ALLOWING US TO FILE CLAIMS. I NEED MY MONEY NOW. THIS IS OVER {$200.00} & THEY ARE TALKING ABOUT THIS WONT BE RESOLVED FOR 30 DAYS WHEN ALL THEY NEED TO DO IS SEND A NEW XXXX. 

THE CASE NUMBER THEY PROVIDED ME WAS XXXX!!!! THIS COMPANY IS A FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Two companies are involved - XXXX ( XXXX XXXX ) and PNC Bank- I initiated a wire transfer on XX/XX/2023 that left my XXXX XXXX. We followed PNC 's mortgage payoff letter on where and how to send. The money left my XXXX account but PNC never posted to my mortgage. Neither company is able to tell me where my {$100000.00} went.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got an email at XXXX XXXX  and an alert from my app that my funds are currently not available for withdrawal. I answered the email and still the issue was not solved. I called during my lunch period from work and the message said the hold would be XXXX minutes and was on hold for XXXX minutes and nobody answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Denefits LLC
State: TX

Complaint narrative:
on XX/XX/2023 around XXXX Denefits billing start texting and calling me they ask me can they charge my card I said no but they went ahead and charge my debit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation