vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: DE

Complaint narrative:
Opened a savings account with Discover XXXX Bank on XX/XX/2023. Promo offer of 200 deposited into my account if funded the Discover XXXX account with XXXX or more. Created the online account and tried to transfer XXXX from my checking account ( XXXX & XXXX ) to Discover savings account. Discover system locked me out online and I have spent considerable time of the phone with them to find out that they CAN NOT link with XXXX & XXXX. XXXX & XXXX is my only other bank account and I have never had issues with linking other financial services ( Discover credit card, mortgage, IRS, etc. ). 

I feel like I have been tricked into opening an account at Discover Savings without being told in advance that they only allow transfers with certain financial institutions and unfortunately XXXX & XXXX is not one of them. 

Please require Discover Bank to DISCLOSE this information prior to having a consumer go through the frightening experience of trying to transfer XXXX and have no idea why in the middle of the transfer the user becomes " locked out '' of their account. It was very stressful as I didn't know what was happening with a considerable amount of money. Then I had to spend over an hour on the phone with various people only to learn that this could have been avoided if Discover had disclosed this PRIOR to me opening an account. 

Thank you very much for your consideration of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received an offer from Capital One for a 0 % introductory rate on purchases AND balance transfers until XX/XX/2024. Applied for the card using the QR code in the mailing and received it, but when i inspected the rate on the account after it was opened the 0 % rate was only applied to purchases. On XXXX I contacted the company to receive clarification and was told the rate only applied to purchases, not balance transfers. Even though the mailing clearly states balance transfers. I spoke with a supervisor, still told the same thing. They would not do anything to correct the problem. The only reason I opened the acct was for the balance transfer rate. This is deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have had a home equity loan with the lender since XXXX. During that time, I regularly made additional payments ( XXXX payments a month ). I had about 2 years in additional payments that had been made, understanding that these additional payments advanced my payment due date. When making a payment, the only options are " regular payment '' or " apply to principal ''. These additional payments were all marked as regular payments Paragraph 8 of my agreement says, " All regular payments will be applied to the satisfaction of scheduled payments in the order in which they become due. '' Despite this, the lender decided that they were " changing the policy '' and ending that ability. Now, a payment is required every month, regardless of whether XXXX payments were made in the previous month. This is not something to which I agreed. They are referring to these additional payments as " prepayments ''. But that is not what they are. A prepayment is when one pays a substantial amount at once -- which I sometimes also did. 

I have never missed a payment, but I make these additional payments in case of an emergency when I would not be able to make a payment ( a catastrophic illness, job loss etc. ) But PNC wants to be able to collect late fees. They insist they can change the terms of my contract at will -- though there is nothing in my contract that makes such a claim. Indeed, if there were, I would have gone to another lender. 

When I called about the issue, it took speaking to XXXX different people, over the course of XXXX days -- they had to call me back instead of transferring me to a manager. They refused to be of any assistance, treated me as if I were ignorant ( " We sent you a letter of the change '' -- as if that is enough to alter a contract ). The last person told me I would have to show where in my contract is says they CAN NOT change the terms of the agreement without my consent -- as if contracts are only binding if it says terms can not be altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account # XXXX, I have wrote a letter requesting VERIFIED Proof of Debtor or Proof of Undertaking, XX/XX/2023 XXXX # XXXX XXXX XXXX XXXX XXXX, Notice of default and opportunity to cure XX/XX/2023 XXXX # XXXX XXXX XXXX XXXX XXXX response has been received, I acquired my Credit Report and I have noticed wrong information on this account, and ask the Credit bureaus to make sure everything was completed and accurate according to 15 USC 1681i ( 5 ), I ha send a letter to TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion has not modified or removed anything, this account is showing wrong information, By the FCRA the Report has to be accurate, and this report is NOT ACCURATE. Which is a violation, this is impacting from moving forward to grow my business

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 2023-05-04 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: IL

Complaint narrative:
Could you please delete these inaccurate accounts from my credit report? I have no knowledge of these accounts, and I am certain they are fraudulent.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a complaint against the three major credit bureaus ( Equifax, XXXX, and XXXX ) for their failure to provide me with a history of disputes as requested in a letter dated XX/XX/2023. Despite my request for the information, the credit reporting agencies have refused to provide me with a history of disputes, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a written request to all three major credit bureaus for a history of disputes, including any investigation results, that I have submitted to the credit reporting agencies in the past 36 months. However, instead of providing me with the requested information, the credit bureaus only sent me a copy of my credit report, which does not contain the requested information. I followed up with the credit bureaus to request the history of disputes again, but they have continued to refuse to provide me with the information. As a result, I believe that they are in violation of the FCRA, which requires credit reporting agencies to provide consumers with a free copy of their credit report and a history of disputes upon request. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against the three major credit bureaus for their failure to comply with the FCRA. I have attached a copy of my original request for a history of disputes, as well as any other relevant documentation that I have regarding this matter. Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support this complaint. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IL

Complaint narrative:
Could you please delete these inaccurate accounts from my credit report? I have no knowledge of these accounts, and I am certain they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used a third party payment provider for a purchase I made back in XXXX oXXXX XXXX I had a issue in regards to someone stealing my information and them using what I paid for. I contacted affirm in regards to that incident and asking them to open a dispute so I wouldn't have to be responsible for what I paid for and they haven't been able to help me with anything in this regards. I have still been paying monthly since I wouldn't want it to affect my credit and I want some sort of resolution for this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

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 2023-05-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of anxiety as I have always made my payments on time. It is affecting my XXXX XXXX XXXX XXXX XXXX. I want to reiterate that I have never missed paying this 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 non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or 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: NY

Complaint narrative:
Card comes up as declined. Web site always says off line, try later. Can not speak to a person. Can not activate my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
Thus company, Monarch Recovery, has repeated called me. They are leaving voicemails threatening me, they've started calling my children and friends. I receive between 4 and 6 calls a day from these people. My daughter was called twice today by this company. They left a voice mail with her threatening me. I am being stalked and harassed by these people and it is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: VA

Complaint narrative:
In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX Account XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

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 2023-05-04 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: SD

Complaint narrative:
Hyundai told us upon sale in XXXX that a lien title was going to be sent within 10 business days. Today is XX/XX/XXXX and I still have not received a title. I have called Hyundai motor finance almost twice a week since XXXX. I have been told that the title is in the mail over 5 times since then. I have talked to managers and had the case escalated several times with no results. Without a lien title, I am unable to register my vehicle, rendering it unable to be driven since XXXX after my self purchased dealer registration extension expired

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 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am the deeded owner of the property and I have repeatedly tried to work with the bank on this property that was deeded to me by my Aunt XXXXXXXX XXXX 2021. Wells Fargo refuses to return calls or respond to letters sent regarding the property. Instead they have chosen to proceed with foreclosure

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 2023-05-04 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: WA

Complaint narrative:
On XXXX I submitted CFPB Complaint # XXXX informing you of your improper use of my consumer report. Several investigations were opened as a result. To be in obtain, possession of, share and use another persons identifiable financial information, the law requires you to have consent of that person. In regards to the financial information associated with the account listed in the attached notice you did and did not obtain the consumers consent directly or indirectly from the thereto mentioned Data Furnisher/ Customers who provided it to you. 

As a result I have filed a lawsuit agains you in the XXXX XXXX Court House and I am attaching a copy of that summons to this complaint in a attempt to resolve this matter privately and amicably. 

A formal copy of this notice which includes the court summons is being sent via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE THE 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 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC.
State: TN

Complaint narrative:
Reps call and pretend to be someone else. They refuse to give information about who they really are and try to get me to tell them who I am without verifying who they are when asked. Once I keep asking who they are and where they are calling from, they hang up in my face. Last rep was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have inquiries I dont recognize on my report such as 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC 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