vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
I have had a credit card open with XXXX  XXXX XXXX for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XXXX  2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my XXXX XXXX go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX XXXX hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
On XX/XX/2024 I discovered that my debt had been sold or transferred to XXXX XXXX without my prior written consent. The original debt was with XXXX and was for {$1100.00}. I did not provide written consent for the sale or transfer of my debt, and I was not notified of the change based on FDCPA Section 1692c ( f ) this is illegal and needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: DISCOVER BANK
State: OH

Complaint narrative:
In XX/XX/year>, My girlfriend asked me to send the mail to her in Georgia since she was expecting a check in the mail. I sent it to her. She said I had a credit card application and asked if I applied. I said, No. She said it looked like a fake so I said don't use it. She went to the store with her sister and thought she would see if the Discover credit card was real. It was rejected. She asked me to call Discover and I did. I said to activate it to see if it was real. The clerk asked to see the card and said she couldn't use it since it was not in her name and refused to allow the purchase. My girlfriend then put it in her phone jacket along with her driver 's license. They both left the store but she realized she left her phone on the counter and hurried to get back to get it. The phone was gone. She asked the clerk if she saw it, the clerk said No. She looked all over but couldn't find it. It had her bank card, driver 's license, the credit card along with some cash. 

I didn't even know about any credit card bill until I got a bill from Discover in XXXX last year of over XXXX dollars. All the charges were in Georgia and XXXX in my city of XXXX Ohio. I called Discover and made repeated calls to tell them she nor I ever used it. Discover said since I authorized her to use it, I'm responsible. I told them she never made any purchases and the card and contents were stolen. In fact, I never even had the card! None of the stores on the bill such as XXXX XXXX did she visit. In fact, she paid cash for her purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: OH

Complaint narrative:
I'm submitting this complaint in reference to AMER FST FIN knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity banks calls everyday starting at XXXX on average of XXXX  times a day. I have asked to be taken off there call list to no avail. They repeatedly call and harass with automated messages. This has to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Check into cash gave a loan to my ex husband on a vehicle I bought and paid for while the title read and not or for the names and I did not sign for it. They will not give me any information on it because it is in his name and I was to receive the vehicle in our divorce. They told me I needed to get a lawyer They could not give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I paid 50 percent as promised showed proof of payment from my bank and that it came out of my account and posted and they are saying its not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I received alerts to my phone that my credit had been ran, and it was also ran without my permission. The dealer is a scam. The inquiries that were added to my account were 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I received an credit alert from XXXX that a hard inquiry was performed by XXXX XXXX XXXX XXXX on or about XX/XX/2024. I inquired about this with XXXX XXXX XXXX XXXX, but to no avail, I received the run around and denials of course. This is now on my credit report and I want it removed. This unauthorized inquiry has lowered my XXXX XXXX unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX at XXXX XXXX  I get a call from someone posing as Wells Fargo, the caller ID was ( XXXX ) XXXX. I answered and they proceeded to inform me that there were fraudulent charges on my debit card and listed XXXX phony charges which never happened in Florida. They already had my Online Wells Fargo Username and password, and while they had me on the phone, they added a wire contact, under my name. Recipient 's bank was XXXX. They then had me type in a * # # to enable call forwarding to their voip number. I was driving and couldn't check my account or read what the prompt just activated on my iphone. 

They then began initiating the wire transfers which prompted the 2FA codes texted to me which I recited back to them ( Wells Fargo actually had the same process when I filed my claims ). First, they performed cash advance from my Credit Card account of {$1500.00} to my checking, then transferred XXXX from my savings and XXXX from my checking. They placed me on a brief hold then the call was disconnected. As soon as I was able to check my phone, I realized what had happened and immediately called Wells Fargo XXXX XXXX at XXXX to have them recall the transfers and freeze my accounts. They did, and issued me new accounts, provided me with a claim # and told me it would be XXXX business days. 

Later that day, I filed an FBI claim for what had transpired in full detail. 

Today ( XX/XX/20 ), I received XXXX letters denying my claims. They're reason is " I am responsible for online wires that originate using your username or password '' even though these individuals already had my WF credentials which Wells Fargo is entrusted to keep secured. Now my checking account has a negative balance and the XXXX is still present on my credit card. That was everything I had and this is going to really make it hard to live. I've placed my medical treatments on hold because of this, and I really just need to be made whole again.

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 2024-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Select Portfolio Servicing and the Investors of my Mortgage Loan # XXXX denied modification or repayment plan in XXXX. At XXXX mediation on XX/XX/XXXX Their Attorney told me the decision was based on " outdated income ''. I appealed the decision and submitted correct income documents and their reply completely ignored the documentation and they refused to change their decision. As a result, since that date I have spent every waking moment searching for a way to resolve the matter and avoid having my home taken away from us. Meanwhile the arrears continue to accrue, my home is in need of repairs that only a home -OWNER would invest in and my family lives in unrest and uncertainty. 
When XXXX  finally became imminent in XXXX after exhausting every resource on earth to avoid it, Select Portfolio Servicing contacted me and informed me that my account had suddenly changed from " ineligible for assistance '' to eligible to apply for modification. I applied and was almost instantly offered the repayment plan I had been begging for since XXXX. I completed the plan in XX/XX/XXXX, at which time I was again invited to apply for a modification. The modification was denied but I was offered another XXXX repayment plan, this time with a BALLOON payment of {$120000.00} due in full on XX/XX/XXXX. The reason given for the balloon was that " Reinstatement amount was more than XXXX  times my contracted payment amount '' ... XXXX! Hence the reason they should have offered me this plan XXXX YEARS AGO and had absolutely NO REASON to DENY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
On XX/XX/2024 I discovered that my debt had been sold or transferred to XXXX XXXX without my prior written consent. The original debt was with XXXX and was for {$1100.00}. I did not provide written consent for the sale or transfer of my debt, and I was not notified of the change based on FDCPA Section 1692c ( f ) this is illegal and needs to be deleted from my credit report.

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 2024-04-20 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: FL

Complaint narrative:
On XX/XX/2024 I discovered that my debt had been sold or transferred to XXXX XXXX without my prior written consent. The original debt was with XXXX and was for {$1100.00}. I did not provide written consent for the sale or transfer of my debt, and I was not notified of the change based on FDCPA Section 1692c ( f ) this is illegal and needs to be deleted from my credit report.

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to express my deepest disappointment and frustration regarding the recent experiences I have faced with Bank of America. As a customer who has been with your institution since 2018, I have always been a staunch advocate, proudly recommending your services to all my acquaintances. However, my unwavering trust in the bank was shattered last month due to a series of mishaps that not only caused me immense stress but also led to severe anxiety.Being a XXXX with my family 's roots firmly planted in XXXX, my life has had its share of challenges, and the added pressure from the bank in the past month has been overwhelming, triggering XXXX XXXX. The ordeal began during a business trip in another state when my credit card inexplicably ceased to function. Despite spending days on the phone with your representatives, the issue remained unresolved, compounded by the impractical requirement of providing physical identification documents while I was away from home.Upon my return on XX/XX/XXXX, I was shocked to find a notice threatening to freeze my account within a day if the requested documents were not submitted, despite no prior email notification. Racing to the bank, I spent hours trying to rectify the situation to no avail, eventually resorting to paying {$40.00} for overnight document delivery. Today, I received the devastating news that my credit card has been closed, leaving me feeling deeply hurt and confused.As a diligent and faithful customer who has consistently met all financial obligations with the bank, the emotional toll of these events has been unbearable, reducing me to tears for XXXX consecutive days. With all my financial dealings exclusively with Bank of America, I am now seriously contemplating terminating all relationships with your institution and closing all my accounts.I implore you to conduct a thorough investigation into these occurrences and provide a resolution that addresses my concerns. The treatment I have received is unacceptable, and I sincerely hope for a swift and fair response to rectify this situation.

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 2024-04-20 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: TN

Complaint narrative:
I sent a dispute letter telling EXPERIAN the consumer reporting agency to remove a 30- and 60-day late payment from my consumer report because I was not late. They investigated and updated the report but did not remove the late payments. I want to how they verified this account. What information was sent from the creditor to the consumer reporting agencies regarding 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
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, ID ) for your verification. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are XXXX collections account on my credit report from accounts that do not belong to me. XXXX of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX MOBILITY. These accounts were not opened by me and ended up being sent to collections, having a negative impact on my 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 non-monetary relief
Consumer complaint received 2024-04-20 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: NY

Complaint narrative:
There are XXXX collections account on my credit report from accounts that do not belong to me. XXXX of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX XXXX  These accounts were not opened by me and ended up being sent to collections, having a negative impact on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
Person information addresses does not belong to me. I only shouldve had 1 add with is my current address that should only be on my report, I sent this to all the credit report agencies and still to no avail.. I have disputed several accounts that not mine as well with all the agencies too and none of them follow the law. According to 15 usc 1681. ( I ) through 15 usc 1681 ( E ) they are in violation and not in compliance All disputes with all credit agencies. Eqifax, XXXX, XXXX they all have this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries 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 - This inquiry was not authorized, please remove it from my credit report immediately

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 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I am XXXX XXXX Military stationed in Louisiana. My leadership recently provided information regarding the XXXX  XXXX XXXX XXXX XXXX. On XXXX XX/XX/2024 I sent the information as well as a copy of my Military orders and proof of service letter into Sofi and was denied. though the Louisiana statute says I am eligible. multiple large banks honor this and so far, Sofi has denied me twice.

Company response to consumer: Closed with explanation