vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today, I received XXXX emails from experian. XXXXexperian.com and XXXXexperian.com gave me, most likely same content notices ( dispute report XXXX XXXXXXXX ). I am not sure whether there are any changes before, which I asked to change. XXXX  gave me the list of addresses for the each credit card issued to me. It might be a change to send me the notice 8 times. XXXX sent me on XXXX about the credit card offer, and it also sent me to tell me they found my information exposed. And it gave me the lists, 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. ' I believe in the previous report from 2 companies said XXXX XXXX. XXXX. ' I just want to ask the United States government still allow to leak my name in the public to be used with unknown middle name XXXX Anyway, my first name is really rare in XXXX. I only know one person who has same name in XXXX. And the last one of the list says I was XXXX XXXX XXXX, which was not correct.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made my mortgage payments, on time, from my other bank 's bill pay service, as I had been doing for years. The bill pay service mails out physical checks. The 2 most recent payments, for whatever reason, did not get posted. I notified the bill pay service, and they eventually credited me for the missing payments. I made payments to Bank of America from a different method, but by the time I was able to do this, it was 30 days past the due date and Bank of America reported the late payment to the credit bureaus. I provided Bank of America with proof of my on-time payments, and Bank of America does not dispute that I actually paid on time, but they refuse to correct the report because the payments did not get posted. Bank of America seems to want me to explain what happened to the missing payments, but I can only guess that they may have gotten lost in the mail, or lost by the payment processing office. These are all things out of my control. I can only control making the payments. Bank of America should not blame me for not posting the payment that I sent.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX  my bank account was showing that I had XXXX in it. I received a notification on my phone when I checked my online bank account. This was the combined total of the {$100.00} that I currently had in it along with the expected {$5700.00}. Since my account was positive I paid some bills. However, NOW, I'm seeing that my account is showing a negative balance of - {$470.00}. I feel like they are crediting my account but then taking that amount that is deposited if it means that my account will go negative

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and XXXX directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and Equifax directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a debt request to capital One about this account XXXX, i did it many time and then could not provide information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding a recent experience I had with Title Max, specifically in connection with the repossession of my vehicle and subsequent damage that occurred during the process. 

My vehicle, was repossessed from my home by XXXX XXXX XXXX XXXX at the behest of Title Max. Subsequently, I utilized Title Max 's services and paid the necessary fees to reclaim my vehicle. However, upon receiving my vehicle back, I discovered significant front-end and tire damage that rendered it undrivable. 

This damage was not present before the repossession, and it is clear that it occurred during the towing process. This process is the result of Title Max, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I am extremely disappointed and frustrated that the vehicle, which was in proper working condition before the repossession, has now sustained damages that were not my responsibility. 

I have made attempts to address this issue with Title Max, but regrettably, my concerns have not been adequately addressed. The lack of communication and resolution from Title Max is deeply troubling, especially considering the financial investment I made to reclaim my vehicle. 

As it stands, I am unable to use my vehicle due to the damages incurred during the repossession process, and Title Max has made no effort to rectify the situation or compensate for the damages. Nor has title max forgiven the loan. They call me daily to collect and advise of interest and when I mention my damaged vehicle they claim they will check on it and contact me later. 

Titlemax was made aware nd has provided no assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Trans Union . Inaccuracies on my report are being monetized by Trans Union against my will. This company has admitted to defaming my name and is continually and daily committing this federal violation. Trans Union is sharing my nonpublic information with people didn't authorize. Trans Union is giving access to my social security number for monetary gain. Trans Union is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I receive two hard inquiries why Im at work from XXXX XXXX in 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I had XXXX credit cards with this bank. Both accounts have been charged off. Upon checking my credit report, I've noticed that my consumer rights have been violated. I contacted the bank directly in writing asking that 1 ) the balance be corrected to {$0.00} to comply with the FCRA to which no response was provided. The account debt was charged off in XX/XX/XXXX, as such not further reporting should be initiated per the FCRA and IRS 1099c guidelines. I also contacted the bank and requested the 1099c form to comply with the IRS requirements as the company will receive a tax write off for the bad debt and per the 1099c guidelines event code 7, the debt is deemed uncollectable as of the charge off date of XX/XX/XXXX. The bank is actively and intentionally violating my consumer rights by continuing to report the account as Charged Off each month for the last 12 months after the charge off date of XX/XX/XXXX, which is inaccurate, thus reaging the account impacting my overall credit file and score. I have disputed this account with the major credit reporting agencies only to have the debt returned as verified, which based on consumer credit law is inaccurate. Additionally, the account is being reported as having a past due balance which is legally impossible per the FCRA. A charged off account can not have a balance due or past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I have held a PayPal account in good standing for nearly XXXX years. In XXXX I filed a fraudulent purchase report when a seller did not follow through with their end of the transaction. Now PayPal has closed my account permanently with no explanation. I use my PayPal account as a means to make payments safely and I have done nothing wrong to warrant my account being closed. PayPal will not reply to my requests for reasons as to why they closed it, nor can I reach a live person for customer support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2023 a purchase of XXXX but run incorrectly. The vet office called Care Credit to explain she ran it as a regular purchase, but it should have been a promo purchase. 
In XXXX and XXXX I made mulitple calls to Care Credit 's customer service to correct this charge. On XX/XX/XXXX I escalated to a manager ( XXXX ) who promised to get it fixed. On XX/XX/XXXX Care Credit added the promo purchase but never removed the regular purchase. The next week I saw this and called a Care Credit manager again ( XXXX XXXX and explained. Then again I called another Care Credit manager on XX/XX/XXXX ( XXXX ) and again on XX/XX/XXXX I called another Care credit manager ( XXXX ). I also filed XXXX disputes in their portal. Today, XX/XX/XXXX I spoke with XXXX with the care credit specialist team who said the same thing everyone before his said- the charge needs to be removed but they can't do it, only the " back office '' can and put in a request. 
The back office is not removing the regular charge and no one knows why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: CO

Complaint narrative:
I received a call from XXXX ( XXXX XXXX XXXX XXXX ) and returned the call. They demanded the last 4 digits of my social to confirm my identity and refused to tell me why they were calling without that information. Since I don't recognize the business or know of any outstanding debts they might be collecting on, I am assuming their behavior is suspicious and would like to get ahead of the behavior by reporting them. I would expect a legitimate debt collector to provide me with an invoice by mail. I can also find nothing on my credit report. Given what I've seen about this company online, I want to get ahead of the issue with this report before they continue with more nefarious behavior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a complaint that you are reporting inaccurate information. I respectfully request to be provided proof of recieving a billing statement via mail 21 days before my bill was due. Per my records I have always paid these accounts on time and never paid late my rights have also been violated. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is not correctly reporting.

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 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Because of some issues resulting from XXXX and needing to change jobs, we fell a month and a half behind on our mortgage. we got to a place where we could make the monthly payment again but couldn't make the back payment. We asked for help and got a loan modification. We completed our trial payments in XXXX and have been waiting on the final loan modification paper work since that time.

We have upheld our end of the bargain and have been making our monthly payment still every single month. these payments are not being applied to our mortgage so the credit bureaus think we are months behind on our payments now. When I call to ask about the loan modification I get the run around from multiple people and 9 times out of 10 they try to shake me down for the money Ive already paid them saying that I'm between $ XXXX {$7000.00} behind depending on who I talk to. Additionally I have been told that the paper work is on its way, then the next call it isn't, the next call its with another department, the next call I am told the person handling it will give me a call and a manager will give me a call. The only way I got to file a complaint with the office of the chairman is because I mentioned this Bureaus name.

The Loss Mitigation department who handles this will not answer any of my questions. The only thing they will tell me is that they are submitting an expedite request to have this resolved. Ive asked to speak to managers 4 times and have never gotten a call back. I have filed a complaint with their Office of the Chairman, the person handling that complaint is XXXX and his phone number is XXXX but even he has not been able to get any headway made. 

My credit is wrongfully in shambles and I have very little faith that Citizens will get it fixed. We have gone through proper channels, shown great patience with their departments, but nothing is being done while I continue to be held XXXX and have false reports filed with the credit bureaus that I am even further behind on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
There where credit cards and bank accounts fraudulently opened in my name with truist I seen the inquiry months ago and filed a identity theft report I also filed a complaint on cfpb and they still allowed accounts to be open in my name I would like this account deleted and removed off of my credit report and off of my name thanks My ssn is 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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX  closed for balance of {$2800.00} fraudulent account discover bank fraudulent account closed with a balance of {$960.00} XXXX XXXX XXXX  opened fraudulently left with balance of {$1900.00} this accounts are fraud not opened by me the police report i submitted nothing has been resolved.

Company response to consumer: Closed with non-monetary relief