vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX a month later the motor blew out. And found out that XXXX XXXX was shut down for embezzlement and fraud. The vehicle was financed through Lendmark financial agency. I tried to contact the corporate office, and I feel as though I shouldn't be held responsible for the car, and I think that XXXX XXXX  knew that they sold me a lemon. I'm a struggling man on XXXX, and I'm not getting any service out of the vehicle, and I repeatedly told Lendmark financial agency to come and get the vehicle. I have told Lendmark financial agency when the vehicle broke down, to come and get the vehicle, and they refused to get the vehicle, because they knew the vehicle was inoperable, and now they are telling me that the lien, and now they are telling me that they do not know who has the lien on the vehicle, and it was released from Lendmark financial agency in XXXX. And now I don't know what's going on, what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, I requested a wire transfer of {$79000.00} ( approx. {>= $1,000,000} pesos ) with a {$30.00} wire transfer fee on Friday at XXXX p.m. from Discover Bank XXXX XXXX Bank in XXXX, XXXX. On XX/XX/XXXX, the wire transfer was processed. On XX/XX/XXXX, XXXX XXXX  received the funds from XXXX ( which I believe is XXXX XXXX ). The problem is that the amount received was only {>= $1,000,000} pesos ( approx. {$3500.00} USD less than I sent ). 
After verifying that the money was not taken by XXXX XXXX XXXX XXXX, I contacted Discover bank ( DB ) & spoke with XXXX XXXX XXXX XX/XX/XXXX. She said once they send the money to Federal Reserve they are done with transaction. So I asked her which Federal Reserve did they send it to, but she couldn't tell me which one or give me contact info. She did give me a XXXX number and I found a telephone number online of a Federal Reserve. I called but they said they only service banks and not consumers & DB could request a trace. I called DB back & spoke with a XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX & XXXX from XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. She agreed to do a trace. On XX/XX/XXXX I called her back, she stated she was still waiting for results. I called back on XX/XX/XXXX, XX/XX/XXXX and this morning XX/XX/XXXX and have left messages but not received a call back. I am frustrated, but I want the money someone stole from me returned. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My investigation started on XX/XX/2022. Transunion refuse to investigate stating I hired a 3rd party facility. I completed my letters myself. I included my identification so the signature match. I have contact them with no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've attempted to have Experian Investigate inaccurate accounts being reported on my credit profile to which they've responded they could not begin the investigation due to improper documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated bank has not been managing my escrow account in professional manner. There has been issues with property taxes not being delivered as I asked, as well as issues with home insurance payments being distributed in a timely manner resulting in policy cancellations and lapse in coverage. They were informed of policy changes not only by myself but the insurance companies as well, as they are listed on each policy as the mortgage lender. I recently reached out to them again to fix yet another issue with the insurance policy. The insurance company did not receive a payment for insurance until XX/XX/XXXX, because I had to once again reach out to the bank after several attempts by myself and the insurance company. Due to the delivery of the insurance premium not being delivered they decided to cancel the policy and not reinstate it. I brought this to the attention of staff at Associated bank and they are now trying to force insurance on my mortgage as this policy being cancelled is due to their lack in making this payment. I do not feel I should have to pay a forced insurance fee due to them not delivering payment and policy being cancelled. I had coverage and they are the reason it was cancelled. They were informed of switch in XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
XXXX XXXX and Experian constantly change the date of an alledged Charge off to extend the statue of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I demand that all negative/adverse fraudulent accounts are immediately and permanently 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 non-monetary relief
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: MI

Complaint narrative:
Debt for toll was paid when XXXX XXXX charged my credit card XX/XX/2021. Proof of charge is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX US BKPT CT XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
On XX/XX/XXXX, my payments to XXXX XXXX was on auto pay with a paper check from XXXX payments each month towards the credit card at XXXX XXXX account number XXXX XXXX XXXX XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact XXXX XXXX they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with XXXX XXXX bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately XXXX XXXX was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from Trans Union showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to Transunion XXXX 



I tried calling XXXX XXXX with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in XXXXand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the XXXX XXXX XXXX credit card 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 2022-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
On XX/XX/22, request was initiated for RobinHood to transfer account holdings. The reason why the account was closed was that RobinHood did not provide client the means to transact at the market price at the time of initiating the buy of shares. This is very poor service when compared to all other stock trading platforms. 

The account was valued at {$160.00} and Robinhood charged me a {$75.00} fee to transfer the account. I call this action " robbing from the poor! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX h

as violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contact them to erase incorrect information since investigation took longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I traded my new car on XX/XX/XXXX. A " XXXX XXXX XXXXf '' was sent electronically ( EFT ) to Truist ( formerly BB & T ) on XX/XX/XXXX to payoff the vehicle ( XXXX ) ( VIN # XXXX ). 

Truist refuses to accept or honor the payment based upon the payoff from quote the XXXX XXXX XXXX system. I am due nearly {$850.00} in equity from the payoff but as each day passes I am losing {$30.00} a day in interest payments as the loan is still not showing paid off. 

The payoff shows {$51000.00} at the time when the EFT ACH was sent electronically. Also I can not get my warranty refunds from my original loan on the vehicle from either the Dealership I purchased the new car or the XXXX and I am losing the pro-rata warranty return rate each day Truist does not accept the EFT ACH payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the Right to Privacy 15 U.S.C. 1681 section 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the Right to Privacy 15 U.S.C. 1681 section 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio says that I owe them {$2600.00}, but Portfolio has never sent a Regulation F letter, only letters with payment plans and threatening to send to litigation department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently 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 non-monetary relief
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 about 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 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance Company XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CITIBANK, N.A.
State: KS

Complaint narrative:
Hello, I opened a credit card with CBNA/Best Buy in XXXX, XXXX which due to financial difficulties was charged off in XXXX, XXXX. Fast forward to XXXX of XXXX ... I got a notice that I have a new delinquency on my XXXX, XXXX and XXXX credit reports and when I checked, it was CBNA changing my account status from charge-off XXXX, XXXX to closed and 180 days late which took my credit score down almost 70 points. Since this time, I have disputed this information XXXX times ( XXXX ) with each major credit bureau and have used all resources available to me to get the information for this account to be corrected to no avail. Every month, CBNA reports the account open briefly, then closes and sets it 180 days late it which shows this account as a new and delinquency when in fact, it is several years old. I feel this is being done to intentionally and maliciously drop my credit score. My credit report clearly shows a change from charge off status to 180 days past due every month and I have not been able to get CBNA or any of the three credit bureaus to fix this incorrect information. Any assistance or direction to assist me into forcing CBNA to report my account history accurately and to desist their intentional disinformation would be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
Bought a home last XXXX, HUD states payment will be {$2400.00} for the first 1-8 years w/ a lower payment there after. Received a notice that my mortgage would be increasing this Spring as well as sold to a new company. Initial loan company stated the increase was due to homestead exemption, however, after reviewing the paperwork I have found it to be the fact that they missed PMI inclusion in the mortgage overall payment. Given I never agreed to the increase and it was negligence on their part, I would like to launch an investigation for negligence on their part.

Company response to consumer: Closed with explanation