vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a credit freeze placed with the Equifax, XXXX and XXXX. With XXXX and XXXX, I am always able to quickly temporarily lift the freeze online without issue. With Equifax I have never been able to successfully remove the freeze online. Today was no different, after resetting my password and jumping through several hoops, I was told to call in. I called and requested the freeze be temporarily lifted. The automated system advised that the freeze would be lifted effective XX/XX/XXXX ( tomorrow ) - XX/XX/XXXX. Because I needed the freeze lifted tonight and it was only XXXX XXXX. CT, I requested a representative. They advised that it'd already been lifted, despite what the automated system stated. 

I submitted a credit application over an hour later which was declined due to the freeze. I called Equifax back and had an extremely difficult time getting an associate. When I did, they advised they have 24 hours to remove the freeze. I advised I didn't believe that to be the case, that it was one hour, and they just repeated themselves that it can take 24 hours. I then searched online about the one hour requirement and found that others having the same issue with Equifax were able to get the freeze lifted by requesting it be permanently lifted instead of temporarily. This worked for me as well, but shouldn't be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I purchased 3 e-gift cards from American Express Gift Card Services totalling {$1300.00}. A few days later, American Express emailed me confirmation that they sent by email the gift cards to my three recipients. We are now 10 days later and my recipients have not received the e-gift cards. They checked spam/junk folders to no avail. On XX/XX/XXXX, I contacted American Express. I explained the problem and requested that they send me the e-gift cards so I can then forward them. They refused to do so and stated I would have to go in my account and change the recipient email. The implication was that I then would be able to resend. I went into my American Express GIftCard account. I searched under my orders. The search came back EMPTY. THe website stated that I had no prior orders. I called American Express GiftCardServices again, and waited another hour. I explained the problem to the agent, who claimed to be the supervisor. She stated, I needed to go back into my account and change the emails of the recipients. SHe either did not understand or she was programmed not to understand that this was not possible. She then repeated the same initial instructions. After going around a circle a few times, it became apparent that American Express had no interest or at least this agent had no ability to rectify this problem. In the meantime, I am mortified that it is past XXXX and my giftees have not received their promised bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Finance is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a XXXX balance and closed. I've submitted disputes to all three credit agencies. 

I've asked for a open balance letter from Kia showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX XXXX to explain the situation. They immedialtely called Kia Finance- they could not rectify the problem.

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 2021-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I applied for a mortgage using Better.com ( " Better '' ). During the underwriting process, Better required that I complete IRS Form 4506-C using an incorrect address. Specifically, Better demanded that I complete lines 3 and 4 of Form 4506-C using my previous address. Line 3 clearly requires an individual to provide his, her, or their " current '' address, while line 4 requires an individual to provide his, her, or their " previous '' address. I refused to provide false information to the Internal Revenue Service and thus provided Better with a correct Form 4506-C with my accurate current and previous addresses on lines 3 and 4 respectively, but Better refused to proceed with my application with this accurate form. As a result, I withdrew my application from consideration. It is troubling that Better would require consumers to provide false information to the IRS, and I hope the CFPB investigates this practice. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX. 
Georgia XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: OneMain Finance Corporation
State: NV

Complaint narrative:
I have a credit inquiry from onemein financial that I didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent Experian. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, Convergent outsourcing was placed on my three credit reports with XXXX, XXXX and XXXX as a collection account. Can you please show Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Experian have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} ;

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$10000.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance {$2300.00} XXXX XXXX Balance {$650.00} XXXX  XXXX Balance {$650.00} XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a Capital One mastercard and for the last 2 months I've received notifications and pending charges from Target that I did not make. The charges have shown up in XXXX and XX/XX/2021 even though I have not made any purchases from XXXX in those months. 

When I contacted Capital One they tell me they can not address issues while a charge is pending. So far these charges have not posted but they significantly and unfairly reduce my available balance during the days where these unauthorized pending charges emerge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX 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 2021-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid off my vehicle XX/XX/2021. The check cleared XX/XX/2021. Bank of America keeps making apologies and promises that never materialize and there is still a lien on my title. Please assist me in releasing my lien.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : ( XXXX Inquiry Date XX/XX/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 2021-12-29 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: Westlake Services, LLC
State: MI

Complaint narrative:
I financed a vehicle through Westlake Financial. I later turned the vehicle in after having it a couple years. The new car company paid the remaining balance off. I discovered that Westlake Financial was stating I had a unpaid balance of {$40.00} which was on my credit report. I contacted the current car company they issued me a check for the {$40.00} I then got a money order and sent it to Westlake Financial. This has being an on going issue back and forth with them and a third party company for years now. I also paid {$40.00} again to the third party. It's still on my credit report when it is passed the time that it should had fell off. This time period is around 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my 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 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a loan with PENFED CREDIT UNION for {$20000.00}. I called PENFED CREDIT UNION to get clarification on why i was denied my right to extend my credit and explained to The supervisor XXXX at Extension " XXXX '' That under the law in Truth in lending, I was the original creditor Pursuant to 15 USC 1602 ( g ) - The term " creditor '' refers only to a person who regularly extends consumer credit, and which would then make PENFED CREDIT UNION a creditor to extend myself my own credit. In 1602 ( f ) the term Credit means THE RIGHT GRANTED BY A CREDITOR ( Myself ) to a debtor ( PENFED CREDIT UNION ) to defer payment of debt. I exercised my rights and was still discriminated against because I in good faith exercised my rights pursuant to 15 usc 1691 ( a ) ( 3 )! I was completely ignored by XXXX when i told him that he is willfully and knowingly gives false or inaccurate information pursuant to 15 usc 1611. PENFED CREDIT UNION Used my Credit Card ( SOCIAL SECURITY CARD ) Pursuant to 15 Usc 1602 ( l ) - " Credit card '' is ANY CARD existing to obtain money or services on credit. In 15 U.S. Code 1691a K- In the definition Adverse Action, No where does it say you can be denied due to credit. There is fraudulent activity on my credit report with XXXX and PenFed is discriminating my character and is not a equal credit reporting act! 

I am Demanding PENFED CREDIT UNION to use my open ended credit plan and Open the credit transaction for {$20000.00}! I am adding my exhibits received in mail.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, Equifax and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, XXXX and Experian for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Chargeoff ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2300.00}

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