vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I paid USAA auto loan in full a month after getting the loan due to XXXX consecutive interest rate changes. I paid them on XX/XX/year> but still waiting for my title. They lied about the title being sent to the wrong address. Even if that were true all my previous mail was forwarded to me by the post office. I even requested a duplicate but after XXXX months, I am still waiting. I think they're refusing to give me my title because they weren't able to make more interest on my loan. I only paid XXXX dollars of interest and I feel like I'm being punished for paying off my loan quickly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I didnt know this would drop my credit score. XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
When reviewing my credit report I noticed that there was an XXXX XXXX account that does not belong to me. It was removed from XXXX report but Experian and XXXX continue to report this false 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been unable to get any credit cards and my credit history was destroyed, because of XXXX XXXX XXXX XXXX XXXX being hacked by an individual in XXXX as reported to consumerfinance.gov. Since that happened 3 year ago, I have not been able to get any credit cards. I travel often, and I only have the XXXX debit card issued to me by a bank who would worked with me on the problem. This wonderful bank worked with me to solve my problem and helped me reclaim as much as they could. The hacker also open an account with XXXX as stole money. XXXX worked with me refunded the money. XXXX XXXX would not work with me and now say I owe them {$5000.00} USD illegally stolen by the hacker from my XXXX XXXX banking account, which was their cloud service problem too.

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 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just happened to see a copy of my credit report, i was shocked, to find out, that i have been a victim of identity theft. Which I was planning to purchased a new vehicle, and remodel my house and this fraudulent activity is affecting me severely. Please remove all the inaccurate information for my personal credit profile. Thank you in advance!

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 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UPGRADE, INC.
State: PA

Complaint narrative:
This company calls me multiple times a day using different phone numbers. This has be going on since XX/XX/year> and still continues to this present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: OR

Complaint narrative:
After 7 weeks of stonewalling my stolen check matter ; etrade is showing they've restored the {$1000.00}. 

However : they've cut off access to any means for me to utilize my money! Atm & Debit cards are frozen and my bill pay isn't active!! 

I'm absolutely fed up with etrade and their creative 'fraud BS policy '! The only fraud occurring right now ~ IS DIRECTLY PROVIDED BY ETRADE FRAUD PREVENTION!

This MUST STOP.

I've redirected my future SSDI Income into my Providers debit card. I'm totally fed up with Etrade 's abuse of myself. They're dangerous & highly arrogant in their business practices. I'm done! Leaving as a 12 - 15 year customer. I simply CAN NOT TRUST ETRADE WITH MY MONEY.

Etrade must restore my account, with it's current ID & Password ( which hasn't been breached- except by them ) and STOP HARASSING A XXXX XXXX XXXX PATIENT who deserves to have access to my XXXX money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian credit reports has copies. CFBP complaints l. Have already disputed accounts received. Letter. To removed these companies replaced them back shortly after XXXX my disputes what the reason for disputes is this a game Next level. I'm hiring attorney from veteran affair. Whom goin to request punitive damages. Due to continued denial. For credit. THIS FINAL COMPLAINT What the purpose for fraud Alert.? These credit bureau don't honor what purposes. to keep call center with Jobs? my credit report.has gotten worse after make payments on time payin them off. Credit rating hasn't never went above XXXX Experian has computer glinch. On my file .Soon it closes it finds. Any reason to increase my credit scores Seems has gotten worse through years Just to continue on going disputes .l have copied letters of Experian disputes.. 6 weeks. I get copies my credit report. Then received letters that these same accounts been deleted. Month. Later. These creditors be-in replaced back on my credit report after dispute. XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  was removed XXXX.. I copied report. Now been replaced. XXXXompany Name XXXX. Was deleted now replaced. Back on my credit .report, company name. XXXX XXXX.  Account.. Was paid off. never Been Late. I have copies letter. Letters show no late payments.. Sent copy to credit bureau my account. Credit scores. Have decreased. My. Inquiry. Has went. Up. I reported same complaint CFBP. XXXX.. Has. Gotten worse. Experian, XXXX, XXXX. Needs to have adit. FCRA needs to start penalize investigations credit bureaus. Due to they are not following rules guidelines. Allow these companies to fraud place incorrect information when suppose be immediately removed .after it has been granted. Deleted Credit bureau not suppose to replace this back on your credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 non-monetary relief
Consumer complaint received 2024-06-23 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: CA

Complaint narrative:
They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from XXXX  XXXX in XXXX XXXX California I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from keys XXXX in XXXX XXXX XXXX  I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to

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 2024-06-23 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
I didnt know this would drop my credit score. 71 points

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2024-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a credit card on my report that does not belong to me. I dont have a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, I visited a branch and asked the banker for how to get PMI removed from my mortgage. The banker said she would look into it and would get back to me. A month later, I hadn't heard back from her, so I went by another branch and asked for assistance. This banker directed me to a phone line where someone would be able to assist. 

I called the phone number and spoke to someone who promised to get me a copy of the paperwork necessary to request PMI removal. A packet arrived in the mail about a week later with an application form and instructions, including a {$300.00} payment that had to be made to remove PMI. It went over their whole process, including how they would have to re-appraise the home to confirm the equity value, even though it was obvious to everyone that home values had drastically increased. My wife and I promptly completed the paperwork, issued a check, and submitted everything to Wells Fargo to the address on file. 

The paperwork apparently fell into a XXXX XXXX, because nothing was ever done. The payment was never processed, no follow up calls occurred, and we were left with no information. I followed up a couple of times but no one could give me an update on the status of my request. Realizing that they'd lost the paperwork, I requested a new application to remove PMI from my account, but it never came. 

Finally, in XX/XX/XXXX, over XXXX years after the original paperwork was sent in, I filed a complaint with Wells Fargo regarding the lost paperwork and the refusal to help me resolve my PMI issue. They escalated the matter internally, conveniently couldn't find any wrongdoing on their own part, and refused to address the matter. I asked a FOURTH time for new paperwork to be sent to me to remove PMI from my account. 

Over XXXX months later, I still haven't received a new packet with information to remove PMI from my account. I've now been paying for PMI for the past 3 years and 2 months despite the fact that my equity has exceeded 20 % of the value of the home. XXXX subsequent requests for replacement paperwork to replace the completed form and check that THEY lost have been completely ignored. At this point I have no choice but to conclude that this is a willful act on the part of the bank to continue collecting PMI from me despite the fact that I no longer am obligated to pay.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against the credit reporting agency TransUnion for their failure to address my dispute regarding inaccurate information on my credit report and an unauthorized inquiry. Despite my repeated attempts to rectify these issues, TransUnion has not conducted a proper investigation and has completely ignored my dispute letter. 
I sent a dispute letter to TransUnion challenging the accuracy of certain information on my credit report, specifically regarding an inaccurate XXXX  auto loan account and an unauthorized inquiry from " XXXX. '' In my dispute letter, I provided evidence demonstrating that XXXX and XXXX have already updated or deleted the disputed account in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has failed to act on this evidence, which is a clear violation of the FCRA mandate that all information on a credit report must be accurate. 
To my dismay, TransUnion did not even bother to address the specifics of my dispute. Instead, they sent me a response letter that erroneously focused on identity fraud, a topic that was not mentioned in my original dispute letter. This response clearly indicates that my dispute letter was either not read or not taken seriously. 
Moreover, TransUnion has completely ignored my dispute regarding the unauthorized inquiry by " XXXX. '' I have never applied for credit with this company, and this inquiry is causing unnecessary damage to my XXXX XXXX. 
This situation is unacceptable. The lack of proper investigation and the blatant disregard for my dispute violate my rights under the FCRA. I am demanding that this issue be thoroughly investigated and that the inaccurate XXXX auto loan account and the unauthorized " XXXX '' inquiry be promptly deleted from my credit report. 
If this matter is not resolved immediately, I am prepared to take legal action to enforce my rights and seek damages for the financial hardships I have endured during these challenging times of economic inflation and instability. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution. 
Sincerely, 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 2024-06-23 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX continues to not remove a fraudulent account that appears on my credit file. 
they continue to say verified as accurate when i never applied to this company for credit.

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> around XXXX XXXX XXXX Comenity Bank XXXX the issuer of my IKEA Visa card, sent me an e-mail congratulating me on earning two ( 2 ) IKEA Rewards Certificates of {$15.00} each on my most recent sttement ( which closed XX/XX/year> ), and enclosing electronic copies of said cerificates - complete with barcodes and PIN codes- to use at the IKEA checkout lane. 

In the late afternoon on XX/XX/year>, around XXXX XXXX XXXX I've tried using said two IKEA Rewards Cerificates of {$15.00} each at the checkout lane in IKEA XXXX XXXX XXXX XXXX and they didn't work. An IKEA supervisor was available, photographed my IKEA rewards certificates, and left for about 30 mins. After he was back, the sup [ ervisor informed me that, somehow, Comenity Bank issued the certificates to me and sent me the above-referenced e-mail, but didn't load said cerificates with money, as per the IKEA supervisor 's verification, both certificates were not loaded/ were at XXXX  balance. 

When I called Comenity Bank customer service, the representative at Comenity Bank that I spoke with, and later the supervisor at Comenity Bank that I spoke with, could not figure out what was happening, and were audibly surprised that the IKEA Rewards Certificates that Comenity Bank had just issued to me on XX/XX/year> and sent me e-mail about on XX/XX/year>, were already showing on their end as " expired ''. 

I ended up having to pay the entire amount with my IKEA Visa card, and did not receive the promised {$30.00} discount off of the charge amount, due to the XXXX $ XXXX IKEA Rewards certificates that Comenity Bank issued to me not working at the IKEA checkout lane, not having been loaded with money, and having " already expired '' per Comenity Bank customer service supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to XXXX {$2500.00} to my Chase Personal Account. Unfortunately after the deposit my account did not reflect my Balance as deposited. I attempted to contact the Bank to no avail. I then attempted to deposit {$1.00}, and recieved the same results. This happend at XXXX XXXX XXXX, XXXX, NY. This happend at the ATM machine located at XXXX XXXX up ATM. This happend at around XXXX on XX/XX/XXXX, Sunday.

Company response to consumer: Closed with explanation