vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am addressing a concern regarding the reporting of a charge off on my credit report. Your company has labeled a debt as a charge off, which signifies that it has been discharged and you have taken a tax write-off for it. However, I have noticed that this charge off is inaccurately reported as owed on my consumer report. This discrepancy exists despite the fact that your company classified it as uncollectible debt and wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX I went to KIA of XXXX, CA at XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX and spoke to the General Manager XXXX XXXX XXXX who approved the purchase of the new XXXX KIA XXXX. I was asking him to trade/upgrade in my leased XXXX KIA XXXX Vin # XXXX, License plate # XXXX but he refused to do that stating the mileage was high at XXXX miles at the time. The XXXX XXXX of the vehicle was about $ XXXX in excellent condition and no mechanical issues. Normally the trade/upgrade should have been allowed especially that I purchased the new KIA XXXX from their dealership. However, the sale of the XXXX KIA XXXX XXXX # XXXX, License plate # XXXX was a PURCHASED Vehicle that was approved. I noticed on my car loan application for the XXXX KIA XXXX that the income stated was {$7100.00} but that was incorrect therefore the adjustment was made in order to qualify for the car loan. My current income is approximately $ XXXX {$3000.00} per month, It appears that XXXX KIA wanted me to have 2 car payments that I can not definitely afford! 
On XX/XX/XXXX, I contacted KIA Finance America and reported I will surrender the XXXX KIA XXXX vehicle to the KIA of XXXX. The KIA Finance said it was acceptable to return the vehicle at the said location. The transaction was completed and well documented and pictures taken as well. 
I am respectfully requesting that KIA Finance America RELEASE me from any FINANCIAL LIABILITIES and FEES from KIA Finance America.for the XXXX KIA XXXX, KIA Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX just sent me a statement KIA Finance America is currently charging me $ XXXX the XXXX KIA XXXX. 
I am a rideshare driver from the XXXX XXXX, California and work long hours in dangerous conditions but have to do so to earn income to support my family. 
Thank you for your kind attention to this matter.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I had called the company on XX/XX/2023. I was not able to make the payment of {$900.00}, just {$50.00}. The person I called had said they would change the amount charged- as he asked if this would be a regular occurrence because I did the same thing the previous month. After he agreed to make the changes, two days later on the XXXX of XXXX, {$900.00} was deducted from my account. I was unable to pay my health insurance premium because of the charge difference. I went to my bank and they processed a claim for me to adjust the charges so the bank gave me a conditional credit of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I wrote XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I proceeded to open a Truist checking account after seeing the " Receive {$400.00} after making two direct deposits totaling {$1000.00} within 90 days of opening a checking account '' offer. I copied the required promo code and pasted it in the dedicated text box and submitted it. I was then directed to the next step of the account opening. Upon opening the account, I realized I had not received any information about the promotion being applied to my account. I immediately contacted Truist in order to confirm the application of the promotion, and they were unable to find that it was. I was told a research request had been submitted, and that I should be hearing from their Promotions department within 25 business days. After roughly 25 business days, I contacted them letting them know I had not been contacted, and I was told that it may take longer, and I was asked to wait. I again waited until today, XX/XX/2023. I spoke with someone who was once again unable to confirm the application of the promotion to my account, and I was advised that the research request was still active. Worrying of having neared 90 days and the fact my direct deposit payments are monthly, I asked to speak to a manager to be reassured that I would have the amount of time I had waited for resolution of the research request added to the time I would be able to set up direct deposit. I will reiterate that the promo code was required upon account creation to be eligible, and I was not going to set up direct deposit until I was confirmed eligible. The supervisor, XXXX, told me that the research was still ongoing and that I would still have within the 90 days of opening my account to make the required two direct deposits, but that my time waiting for confirmation of eligibility would not be extended as a grace period for me to complete the criteria to receive the {$400.00}. I made a good-fair effort to resolve the issue, and I was told nothing could be done.

I believe Truist had intentionally deceived me to open a checking account, as their website did not notify me of any application or error of application of the promo code and immediately proceeded to the next step of account creation. I believe they were hoping I would set up direct deposit whilst being ineligible for the promotion. I believe their delay of resolution was intentional, and that they sabotaged my ability to reasonably comply with the criteria and receive the promotion.

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 2023-08-07 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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-07 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: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 I made a XXXX payment to an employee for {$100.00}. It did not immediately go through to him like usual. Instead i received a notice that it was pending review. After a few hours I called the bank to see what the issue was. i was told it would be released by midnight. I was also told I could not speak to a supervisor because she could not reach one in the XXXX minute timeframe and hung up on. It was not released at midnight. It has now been XXXX days with no response. I went into the Bank of America branch and was told to call the customer service line because they could not help. I have been on hold with them for an hour with them telling me to just wait. I demanded to speak to a supervisor and after an hour i was transferred and hung up on. I do not believe they can hold my money indefinitely and not send it to the recipient or return it to me when requested. They are denying me access to funds on deposit with no interest and or explanation. They have provided no timeframe and no one can assist me. I have also reached out to Bank of America on various social media platforms to no avail. I would like some assistance in having my money returned.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
An account was opened with Genesis financial solutions XX/XX/23 that I didn't approve there is a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have 2 different comenity accounts, one for Big Lots and my newest one through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX When I got my first bill for big lots 8 months ago, they did not cash my check for weeks thereby marking it late and assessing me fees that I should have not accrued. I called the company and they finally removed the fees and I haven't had a problem since with them. I got my first bill from XXXX & XXXX last month and sent my check even earlier, knowing what happened with Comenity last time and now, almost 3 weeks later, I get another bill with {$86.00} in fees for a bill I was paying off in full. They have not cashed my check and I just had to put a stop payment on it. The bank shows it was sent out in time to be received and processed. This time, they will not do away with the fees. Short of me driving across the country to hand deliver this check, I'm at the mercy of the bank, post office and comenity to guarantee it gets there and on time. I find it far too coincidental that in 8 months with 100 % of my comenity accounts, the same trick has been played. They haven't had difficulty in receiving my other payments and nothing has changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These four closed/chargeoff accounts must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 

XXXX  XXXX XXXX - Past due balance {$530.00} XXXX XXXX XXXX - Past due balance {$480.00} XXXX XXXX  XXXX - Past due balance {$1000.00} XXXX XXXX - Past due balance {$48.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: NC

Complaint narrative:
I can not get any information from this company, Union Home Mortgage as to why they are paying mortgage taxes from an escrow account XXXX months ahead of time. That seems excessively early to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello Im reaching out regarding Regions overdraft policy, Ive called the bank numerous times about this issue, I even tried to opt out of the program, I was under the impression that I was opted out so that third parties couldnt charge my account without the funds being available. Ive tried turning off my card transactions and still theyre still allowing payments to go through even when theres no money in my 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
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had called AmEx over 5 times regarding the funds issued from my closed account. They keep telling me the check has been sent out on XX/XX/XXXX. I was guaranteed the check should be in my hand by XX/XX/XXXX. I have informed delivery I have not seen the check sent out as of yet. I am behind on my rent because of the delay of this check, they keep telling me the check is in the mail. I requested to speak to a supervisor I was told no supervisors are available and someone will get in touch with me. No one has gotten in touch with me. I would like my check sent expedited 2 day mail to me as I am facing eviction now and have a court date XX/XX/XXXX because I can not get my own money out of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
First time in XXXX years to be scamed. Was scamed on XX/XX/2023. Reported to Chase Bank evening of XX/XX/2023. 
Scamed to send money via XXXX. XXXX is offered via my Chase accounts to send money online. 

I was selling a desk as well as some XXXX on XXXX. XXXX called on XX/XX/2023 asking if I received money for desk. No, I did not receive so he said to send money back to buyer and then I would be credited back. 

Chase Bank said they tried to get money back from XXXX but it was too late. I called several different times and Chase created different claim numbers each time. 
Total amount is {$1000.00} I lost. 
XX/XX/2023 - {$250.00} to XXXX XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$50.00} to XXXX Chase Case ID # : XXXX XXXX XXXX XXXX Long time customer of Chase Bank ( XXXX years ) and they tell me they can't reimburse me. There is no phone number to call Chase except all numbers are Call Centers and they did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
XXXX collection firm, Tenaglia & Hunt : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with XXXX and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from XXXX. This notification from the collection agency, Tenaglia & Hunt is the first I've heard about it. In XX/XX/2023, I returned Tenaglia & Hunt 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
In XXXX, my husband and I took out $ XXXX each to go to an XXXX prep school. This was not a Title IV school. The school 's name was XXXX University. The purpose of the school was to help prepare for the A+, N+ and MCSE computer certifications. Shortly after attending the school filed for bankruptcy. Since these loans were person loans, we had to continue to pay on them. In XXXX my husband and I filed for XXXX XXXX bankruptcy. Our bankruptcy was finished in XXXX. 

In XXXX Navient reached out to let us know we will start paying them since the bankruptcy was over. I wrote Navient a letter stating that the loan should have been discharged because the loans were not from a Title IV school. I sited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Class Action Lawsuit Case No. XXXX and I referenced the Federal School Code list from XXXX indicating XXXX  University located at XXXX XXXX XXXX XXXX XXXX, Kansas XXXX was not on the list of eligible institutions for Title IV. Navient put our loans in forbearance while they completed their research. I called Navient every couple of months to check in but there was no movement. 

In XXXX, Navient told me that it was not likely these loans would go away and all I was doing was building up interest. They told me to start paying the loans. I took a 401K loan out and paid my husband 's loan off. For my loan, Navient said to refinance it with Navi ReFi. Today I saw that the suit was finally settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Marlette Funding, LLC
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX XXXX # 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