vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: WI

Complaint narrative:
on XX/XX/XXXX and XXXX of XXXX, there appears to be XXXX fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX XXXX XXXXXXXX XXXX, and 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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have opened a checking account in XX/XX/2022 from Citizen banks online promotion for a requirement of {$500.00} direct deposit within 60 days. I have met my requirements and expecting the promotion bonus to be added in my account. I have contacted the customer service in XXXX and told it will be granted in XXXX. However, I waited till XX/XX/2022 but still don't see the bonus come to my account, so I called again on XX/XX/2022. One representative answered my call, and put me on hold for more than 20 mins while I can hear him chatting with someone else, which raise up a concern that he does nothing just putting client on hold? Then he dropped my phone. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08 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: NY

Complaint narrative:
In the complain XXXX I was told the wrong information was been reported by 3rd party companies but these companies claim that is not true and it is a problem on how Experian is receiving and processing the information. To prove that, they claim the other Credit Bureaus report my name correctly, which is true. 
Experian has not provided any solution.

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 2022-09-08 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: NY

Complaint narrative:
I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX  Acct Number XXXX, XXXX XXXXXXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: NY

Complaint narrative:
I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX XXXX  XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.

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 2022-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I went to a local Chase branch and deposited two cheques that are endorsed to me by my parents. On XX/XX/XXXX, chase closed my checking account and they told me I cant get the cheques back and they cant issue the amount to me as well. They told me to contact IRS to reissue the cheques. On XX/XX/XXXX, we got the response from IRS saying that the check has been paid to the bank and denied the claim of check reissue. Today XX/XX/XXXX, chase said they cant help me further. The moneys still with chase and they wouldnt release the funds to me. The only way is to talk to IRS and tell them to recall the cheques and get them reissued. I have been going back and forth between IRS and chase branch to get my money back, but they both denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I bank with Bank of America and have XXXX through the mobile app. My account was hacked and someone attempted XXXX seperate transactions through XXXX to another party ( $ XXXX $ XXXX {$500.00} ). Only one transaction went through, {$350.00}, and the other XXXX were stopped. I filed a complaint to Bank of America and after 10 days they concluded there was nothing to be done as it appeared that the transaction had come from my device/account even though I was hacked and declined the XXXX {$500.00} charges when the text was sent to my phone asking if I authorized.

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 2022-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo and XXXX XXXX XXXX failed to provide full proof of full disclosure to all matters dealing with loan and said agreement and contract as required by law in the Truth in Lending Act. Fraud of inducement has been committed willfully by the original lender in executing the contract through their lack of full disclosure. In regards to acknowledging the fraudulent activity, I exercised my right to rescind my contract by certified mail and no further action has been taken by either party. Original loan date is XX/XX/XXXX. A complaint was filed to XXXX XXXX on XX/XX/XXXX and to Wells Fargo on XX/XX/XXXX. XXXX XXXX XXXX has not responded. My property has also been repossessed unlawfully on XX/XX/XXXX. Proper documents were not sent following the repossession.

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 2022-09-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In 2018, after a wrongful termination, I remained in contact with Toyota Credit in an effort to keep my car. As I began to fell behind, it was determined by Toyota reposession was the only option. The representative explained the process and informed me the car woud go to auction and then I would receive a notification letter if there is an outstanding balance. After having the car detailed, I met the reposession gentleman, handed the keys and that would be the last interaction with Toyota. 

After 4 years of silence I received notification from XXXX XXXX stating I owed {$9400.00} and how would I like to take care of the balance. That is the amount on my experian credit report. I never received a deficiency balance notification after the auctionn of the vehicle. On my credit report, it states the original balance was {$14000.00} and the lease was for 40 months. I disputed the amount owed through experian. I made 23 months of payments at $ XXXX which equals {$11000.00}. If the original amount was correct, then my outstanding balance should be {$2900.00}. Also I questioned the deficiency balance since a notification of an updated balance after auction was never received. 

I reached out to XXXX and informed them of my dispute due to the errors on my credit report. I also requested a verification of debt letter from them which as of yet has not been received. 

I received notification from XXXX today regarding the dispute. The information provided was the original amount of the debt is correct. Then the amount owed is incorrect. Also I do not know if the balance was updated post auction. I was paying {$490.00} /mo on a 40 month lease that comes to {$19000.00}. A {$5400.00} difference than what is reported. 

Their contact number on my credit report is not provided so I am unable to call them. I need some help getting this matter resolved. After being homeless, I am concentrating on my credit and getting my life restored. I appreciate any and all help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Application number XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TN

Complaint narrative:
I bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TN

Complaint narrative:
I bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.

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 2022-09-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX, XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX  XXXX, XXXX, XXXX XXXX, and 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 2022-09-08 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: MO

Complaint narrative:
XXXX inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Dept of Education : 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 2022-09-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX  inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dept of Education : 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit Karma Always telling me I had a high chance to get approval on credit cards, buy now pay later, and personal loans but I would put my information in to these places and get turned down for credit then I started receiving phone calls, emails and txt messages from spam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Right after Covid started. I went on a forbearance with my Mortgage company. At the very end of my forbearance we decided to do a loan modification. This was in XXXX of 2022. After 4 different attempts to send them back all the necessary paperwork notarized to finalize the deal they finally accepted it. All three of the first three attempts that had to be resubmitted were errors by XXXX XXXX. Not errors by me. So from XXXX when the process started until the beginning of XXXX after the fourth time sending everything in it was finally accepted on their end. After trying for a couple months to sign into their website to navigate and learn it I was finally able to in late XXXX. In the midst of all this XXXX XXXX sold my Loan to a company called Right Path servicing. It wont let me navigate certain things and wont let me make any kind of payment. My biggest concern is that at the top of the website when i sign in, it says account under review by underwriting. It also says that once all notarized papers are processed the account will be unlocked as soon as everything passes. Thats kinda strange to me because they accepted the modification in XX/XX/2022. The reason it took over 5 months to get everything worked out is because the first three times they sent the packet to me it was wrong and all were errors on their end. And now we are in XXXX and it still says that I cant make any kind of payment on my account and that all my stuff is being reviewed 9 months later. They have been calling me every day for the last 5 months telling me the same thing everytime, that they are a debt collector, etc, etc. I always ask them the same thing. Why is my paperwork still being reviewed 8-9 months later? Nobody can give me an answer at all. I refuse to make my payments that were slated to start on XX/XX/XXXX, because nothing is finalized on their end yet. Its strange because my payment went up and so did my mortage rate as well.Im honestly contemplating doing a refinance with a different company just to get away from this company all together. Before Covid i made all my payments on time and never had any issues. I fell on some hard times and it is what it is. I would really like to see what my options are please. I really dont want to lose my house. I can make the XXXX, XXXX, and XXXX payments if needed but I just dont know why the papers are still being reviewed after all this time. Please help me with some options. Thanks and Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Hello I have a collection on my credit report for Synchrony Bank / GAP I have called XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX no one can find or claim the account or offer help or tell me who I can talk to about settlement or removing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation