vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both transunion and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind.

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.

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 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with Transuion, XXXX and XXXX. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.

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 2020-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Attached are documents which show that several payments were made in the month of XXXX XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, Equifax and XX/XX/XXXX The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
On XX/XX/2020 I used the " payoff your loan '' function when logged into my account with Kia Motor Finance to pay off my auto loan for a XXXX XXXX. The software said I needed to pay {$17000.00} to pay off my loan that day. 

I submitted payment for that amount. {$22.00} was applied to outstanding interest and {$17000.00} was applied to the remaining principal balance, leaving a difference of {$18.00} that I was overcharged. 

There is no email functionality or chat functionality on the website, only the customer service phone number. I called on XX/XX/XXXX explaining that I used the payoff your loan function, that it overcharged me, and how to get my refund. I was told a check would be cut in 30 days and then take 1-2 weeks to arrive via mail. 

It is 121 days later and I have made eight calls to the customer service number. I have been told multiple reasons as to why I still do not have the amount I was overcharged refunded, including that payment processing denied the refund because the account was already paid off. In multiple other instances the service requests are closed/denied with no explanations or agents were told they need to send various emails internally. All of those requests and emails are denied or ignored. I have reached the point where I have spoken to the third tier of customer support ( after being told I can't talk to anyone above the second level for weeks ) and am told the only thing they can do is to continue to send emails to payment processing. They can provide no estimate of when the refund will be processing, only that it should have gone out after 30 days. 

I believe that the payoff your loan function of the website is deliberately coded to overcharge customers and that the internal processes for getting your money returned are purposefully designed to fail and stretch out the time for the company to hold onto the funds.

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 2020-12-04 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: AL

Complaint narrative:
I was unable to attain my annual free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, Credit Acceptance corporation recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XXXX and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XX/XX/XXXX and equifax have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XXXX I tried using my ca edd debit card from bank of america, at a bofa atm in XXXX XXXX. The atm said something along the lines to call cs. I called and told the lady my ATM card wasn't working, she advised me of some sort of unusuall activity in the late pm and early am. That my card was suspended by bofa because of it. And to call back Monday morning and speak to claims. Which I did.after answering several questions she proceeded to open a claim for me. Again bofa suspended my ATM. The total was {$920.00} about 10 days later I recievecd a letter dated XXXX stating I would be receiving a temporary credit while they conduct there research. And it would take 2business days. XX/XX/XXXX I received another letter stating bofa completed the investigation and that the previously issued credit is now permanent. Late XXXX I tried using my debit card for a POS purchase. It was a Sunday. I called cs and was told my card was suspended by ca edd. Monday morning I speak to ca edd and was told I needed to verify my I'd. I did so that Monday morning. I called back Tuesday and verifyed with ca edd. I also called b of a Weds and asked what was going on? I was told my account was good but I had a neg balance. I also noticed that I had deposit by ca edd and that bofa had taken money from my account with out any type of notice. XXXX I recievecd a letter from bofa stating the claim has been closed. I've been calling everyday since XX/XX/XXXX trying to get answers on why and who took the {$920.00} my statement says ca edd I've called and spoke to supervisor and was assured ca edd can not take money from my account. XXXX bofa sent me another letter stating they completed an additional review of my claim for {$920.00} and as a result of there research my account has been credited {$920.00} that this is final and permanent and dispute is now closed. But no money has been deposited

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 2020-12-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was unable to attain my annual free 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 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was unable to attain my annual free 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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Apple bank in XXXX XXXX keeps on closing their doors due to corona. They are an essential business and their customers need access to the bank especially in these trying times. The last thing we need is additional stress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXXresponded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting 50, yes, FIFTY, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By XX/XX/XXXX own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to XX/XX/XXXX, was payment activity, not use. The way XXXXXX/XX/XXXX is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

XX/XX/XXXXis actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
4 chargebacks requested have been receiced back as credits the interest charges while awaiting 8 months for chargebacks are as follows : XX/XX/XXXX thru XX/XX/XXXX total XXXX $ Credits given for interest as follows : XX/XX/XXXX ( two entries ) XXXX and {$1.00} {$47.00} less {$42.00} = {$5.00} still due to zero interest out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4XX/XX/XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2020 My bank account is at the Apple Bank for Savings ' branch on XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. The branch is outrageously closed " until further notice '' due to the " pandemic ''. 
This is the 3rd time this year that the bank is doing its disappearing act! 
How on earth can I manage my account & pay my bills if they are closed?? They are ruining MY ECONOMY & should be penalized & pay damages to all customers! They should either open immediately or transfer the branch to another entity that will stay open!! We the people need our finances managed competently & not be subjected to their political agendas which EVERYBODY IS GOING TO PAY FOR IN THE VERY NEAR FUTURE!!! I bet they are hugely compensated by the State - aka citizens ' tax revenues - for doing so!! LET THEM GO & LET 'S HAVE A CREDIT UNION IN THEIR PLACE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: North American Asset Services, LLC
State: CT

Complaint narrative:
XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; Tried resolving directly with companies. I have previously had identity theft before

Company response to consumer: Untimely response
Consumer complaint received 2020-12-04 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: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT 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 2020-12-04 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: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XXXX/XXXX/2020 I received a statement from TD Bank. It read that I opened a Checking account for {$20.00}. Called TD Bank on XX/XX/2020 to report that I did not open this account. 
I was told that there was a saving account in my name also. Td Bank put a freeze on those accounts. They also told myself that I need to report this to the Federal Trade Commission And Social Security

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: CT

Complaint narrative:
XXXXXXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; Tried resolving directly with companies. I have previously had identity theft before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CA

Complaint narrative:
I am currently reviewing my Equifax Credit Report and there is a fraudulent account that Equifax keeps reporting and deleting over 3 years now! 
It was most recently deleted XXXX, 2020. I was informed because I provided enough documentation, that it would never report to my Equifax Credit Report again. 
Here is the Confirmation Number that I was given by one of the reps in their Consumer Fraud Department : XXXX Below is the fraudulent account which I am not requesting be deleted from my Equifax Credit Report for now the 4th time : 1. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

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