vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
A complaint was filed with the CFPB XX/XX/2022, for unauthorized transaction that was made on my account. Citizens Bank responded to my complaint on XX/XX/2022, and in that response they informed me that " Per our research, the chip component of the debit card can not be duplicated ''. With this statement, Citizens Bank has not provided documentation from the third party card company that validates this as statement as truth, also-Citizens Bank has not provided physical evidence of the unauthorized transactions that is required under 15 USC 1693g ( a ) which is by a signature, photograph, fingerprint, electronical or mechanical confirmation that these transactions were in-fact authorized by me. It is the purden of proof for the financial institution to prove that the consumer infact authorized the transactions and the proof is provided by providing the referenced forms previous listed above, in which Citizens Bank has failed to do. My original complaint and concern has not be addressed or answered. CFPB please help assist in resolving this matter as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: SC

Complaint narrative:
To whom it may concern : Attn. : Consumer Relations To Whom It May Concern, Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX Account XXXX : XXXX Please investigate this account each credit bureau XXXX XXXX a different date of last activity for this account. XXXX XX/XX/2022, Experian- XX/XX/2022, and XXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. XXXX and XXXX are reporting this account is paid as agreed. Experian is reporting this account is currently pass due 6 months. Please validate this account or delete it from my credit report immediate. 

Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account XXXX : XXXX Account XXXX : XXXX This account is reporting errors please verify it or removed immediately. 

Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$190.00} I demand that the following account be verified or removed immediately. 
Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.

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 2022-12-07 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: U.S. BANCORP
State: CA

Complaint narrative:
With our credit card company Elan Financial Services I requested a credit increase. They then immediately pulled a hard inquiry XXXX on the same day XX/XX/2022. Without any response saying our credit limit was increased or not. They should have not made a hard inquiry twice on the same day. Again on XX/XX/2022 I requested a credit increase and they again pulled XXXX hard inquiries without any explanation. I contacted the company and they said they could not say why they had pulled a total of XXXX hard inquiries on my credit report and told me that I needed to file a complaint and that they had not further information available. In XXXX once they pulled the hard inquiries XXXX it dropped our credit score nearly XXXX points. XXXX XXXX out ups like to request the hard inquiries pulled from my credit report and elan financial services held accountable for pulling inquiries multiple times in the same day without any explanation.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion whom mission statement is to ensure accuracy and fair credit reporting while protecting the consumer private financial information from being used improperly and securitized by complying with laws and acts in place of reporting fairness and accuracy, has failed to take all necessary steps to complete a full a complete investigation from debtors. Transunion has reported information in whom was reinserted into file without proper disclosure of information and sharing practices. Transunion has also failed to provide parties of contact during the investigation process. This company is prohibited from using the information against the consumer 15 USC 6802 Obligations with respect to disclosure of personal information. This company has also failed to provide opt out of reporting information15 USC 6802b.

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 2022-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Colony Mortgage Corp.
State: UT

Complaint narrative:
I have second hand knowledge of this. This conversation came from someone at the top of XXXX XXXX. 

Please. This is confidential information but I have been made aware of fraudulent activity between XXXX and their preferred lender, First Colony Mortgage to incentivize home sales since the market has shifted. XXXX  has contributed a substantial amount of money to First Colony to allow a rate buy down. They are essentially double dipping and exceeding industry tolerances for an interested party in order to sell more homes I work in the mortgage industry and am close to the source on this so I cant be involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing.

The four companies are : 1. Midlantic Funding XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. 

Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. 

Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. 

Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 

Thanks, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate this account is reporting inaccurate and incomplete information. You guys are reporting this account twice with two different sets of information, please update this account and send me a copy of my updated credit report reflecting this information.

Account Name : XXXX Account Number : XXXX Please investigate this account each credit bureau is reporting a different date of last activity for this account. Equifax- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. Equifax and XXXX are reporting this account is paid as agreed. XXXX is reporting this account is currently pass due 6 months. In addition, this bank is no longer open so why are information related to this bank appearing on my credit report. Please validate this account or delete it from my credit report immediate. 


Account Name : XXXX Account Number : XXXX I also believe this account is reporting inaccurate information, please verify this account information is correct. 
Each bureau is reporting a different date of last activity. 
Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account Name : XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MAS FINANCIAL SERVICES, INC.
State: ID

Complaint narrative:
They charged extra for late fee my contract said finish my loan XX/XX/2022 it's last payment and they charge XXXX dollars more they said my interest rate it's for every day and supposedly my payment it's the XXXX and a have 10 day for make the payment and they tell me I paid late and honestly alway tried to paid before the 10 days I only remember I make one payment late because my husban was on the hospital they tell me I need to paid the amount or I can't get my title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is a slightly complicated issue, so bear with me : I had a XXXX XXXX years ago through Barclays Bank. I paid off the balance and closed the account back in 2018, and destroyed the card. XXXX balance, closed account. 

Sometime this summer, Barclays accidentally mailed us a check for {$2800.00}. We thought it was related to something else that we were working on, a different transaction with a different company. We deposited the check and directed the funds to an expense. 

This Fall, in XXXX, Barclays informed me that there was an error, and that they were placing the erroneous balance of {$2800.00} that we were accidentally sent by them, onto my closed credit card account. The closed credit card account now has a balance of {$2800.00}, and less now since we have made one payment through Barclays website. The balance has a high interest rate. We would like to use one of our ZERO interest cards to move the balance away from Barclays, and again, have this account eliminated. 

Here 's the problem. We only have the last four digits of the credit card, even when we go into Barclays website to make a payment. We can not do any kind of balance transfer unless we have the entire credit card number, expiration date, and security code. We have none of this information. We can only make payments. 

I called Barclays today and requested that they 1 ) reopen the account and send us a new card or 2 ) provide us with the information associated with the credit card or 3 ) provide us with some other way to access this account so that we can move the balance somewhere else. Even after escalating to a supervisor, I was told that they can not help us with my request. I was informed that the only option we have is to make payments to the currently closed credit card account that now has a balance on it. We get no statements, we have no credit card number - only the last four digits of this credit card that we paid off, closed years ago, that now has a new balance on it because they accidentally mailed us a check for {$2800.00}. 

Listen - My wife and I have no problem with paying back money that we mistakenly accepted, even if the check was sent to us by accident. I am only asking for a way to have full access to this closed account so that we can apply a different payment solution than simply paying them payments on their website, with their ridiculous interest. Frankly, I believe they are scamming us a bit by forcing us to pay their interest and not reissuing a card. It's a closed account. Why were they able to put a balance on it, but they can not give us access to the account information?? That is really XXXX. 

I hope you can help us resolve this.

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 2022-12-07 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Credit Collection Servic, 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 purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. XXXX XXXX XXXX XXXX # : XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  6. XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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.

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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Somebody used my SSN to lease a car and open several accounts. 
I have contacted Kia Finance, provided them my police report, my passport and ssn and described an issue but no action from their side.

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 2022-12-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights. 

Account is showing charged off but I never received a 1099 cancellation of debt form regarding this account. 

This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
We went to get a car and after running my credit i noticed they ran my credit XXXX times and spouses credit XXXX times and we did not authorize that and ended up only putting the loan on my name. also after signing everything i found out they ran the car through service before giving me the car and we ended up taking the car back because it wasn't XXXX XXXX  XXXX and they been aware before releasing the vehicle. They threatened that if i didnt bring the car back as soon as i called i was stuck with a XXXX XXXX XXXXnd they wont take it back. So i also asked if they participate in Truth In Lending Act ( Law 15 U.S.C. 1601-1667f, ) and they said they did and all dealers do but committed fraud and charged me {$2700.00} cash on top of the high interest loan they sold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX we posted to sell a pool, we were contacted by an individual who wanted to purchase the pool. They tried to transfer the money intonour account through XXXX. They said the could not because it needed to be a business account. We were contacted through email by " XXXX '' to open a XXXX  business account to recieve the funds. We transferred the money to open it and recieved a confirmation email. Then a second email stating we needed to transfer XXXX for the taxes but that it would be returned with the XXXX with the payment for the pool. We then found out it was fraud and contacted Wells Fargo fraud dept. immediately ( claim # XXXX and XXXX ). One for the XXXX and one for the XXXX. Those claims were denied stating that it was a scam claim not fraud. Immediately we filed a scam claim ( # XXXX and XXXX ) we tried several times to submit the emails we recieved from the " XXXX '' and were told they would contact us if they needed it. They denied the claims. So we submitted the claim to customer advocacy, claim ( XXXX ), we stated that the scam dept never took our evidence. They denied the claim stating that the cases were already closed and there was nothing they could do. They also would not accept our evidence.

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