vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2023 I sent documentation from XXXX showing that XXXX XXXX was not on my XXXX credit report any longer. A copy was sent to Transunion showing this and asking them to remove it as well. XX/XX/2023 I get an updated copy from Transunion saying an update had been made on it. There is no way they had time to even get the copy I mailed to them on XXXX. And if they did they still didn't remove it. So this needs to be removed from my Transunion credit report since it does not show on XXXX now. And proof was provided to them. I received another letter from TransUnion today dated XXXX saying You recently submitted a dispute to TransUnion for an item on your credit report. Our records show that we previously completed an investigation of the below item and the data furnisher verified the information on your credit file. AGAIN THERE IS NO WAY THEY WOULD HAVE GOTTEN MY DISPUTE LETTER WITH THE LETTER FROM XXXX SHOWING IT WAS NOT ON IT SINCE THIS LETTER IS ALSO DATED XXXX. SO THEY HAVE NOT INVESTIGATED THIS OR IT WOULD BE REMOVED FROM MY REPORT SINCE I MAILED THE COPY FROM XXXX SHOWING THEM THE PROOF.

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 2023-02-13 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AL

Complaint narrative:
They stole my identity and took out 4 cars in the state of New York and New Jersey and it wasn't me, I'm denouncing that it's a fraud against me

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 2023-02-13 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I paid off my XXXXXXXX XXXX vehicle in XXXX. I have made many attempts for XXXXXXXX XXXX  XXXX Honda company to send me the title and they do not wan to release my title. I called the office at XXXX on XX/XX/XXXX. I was instructed to come in to the finance office and speak with them directly. I went to the dealership where I originally purchased the vehicle, XXXX and XXXX XXXX, on XX/XX/XXXX. I explained the situation to Sales Consultant XXXX XXXX and then was given another XXXX number to call. They have been making it very difficult for the last month for me to obtain the title for a vehicle that has been paid off for nearly two years. Due to the delays and time consumption it has caused me great hardship on something that is my property. I will miss out on deadlines due to their unnecessary delays and I have come to them multiple times in good faith. 

I have attached a letter given to me by the Texas DMV and also a divorce decree showing that the car was given to me during the divorce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
Goldman Sachs ( Apple Card ) Limit : {$2500.00} XXXX suffered several lost during the COVID Pandemic to include being furloughed from my job at XXXX XXXX. I submitted calls and letters to the company in regards to my monthly payments. They enrolled me in programs that suspended monthly payments for several months. The forbearances didn't cover all the months I was without pay from work as we were furloughed without pay and unemployment benefits. I could afford to XXXX every payment every month so I missed a couple here and there. Currently, I am XXXX XXXX XXXX on short term XXXX and have been since XX/XX/XXXX. I have asked for assistance in repayment options in order to not have negative effects on my credit but they have refused and consistently reported late payments. 


Months Reported Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Months Reported Late with XXXX Dollar Balance Due : XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The information reported in this account are unverifiable. I already contacted the company but they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I closed on a Home Equity Line of Credit ( HELOC ) with a {$70000.00} limit with Huntington Bank on XX/XX/XXXX. I have never had a balance against this HELOC. The balance has always been {$0.00} ( zero dollars ). 
The next month I received a payment statement with a {$40000.00} balance. A payment of over {$300.00} was due. 
Immediately realizing this was a mistake, I called the toll free number on my monthly statement. The person I spoke with told me I had to go to a local Huntington Bank Branch to take care of the problem. I told them I applied for this HELOC online through Lending Tree and that there is not a Huntington Bank branch anywhere near the town I live in. 
I had to look up a Huntington Bank branch number in XXXX, WV. I called them and after XXXX or XXXX days the branch in XXXX told me everything was taken care of and there was never should have been a balance and never a payment due. 
The next month I get another statement charging me interest. Again. I called and this time the person on the phone from the toll free number on monthly statement read my notes. Put me on hold and came back to tell me everything was once again taken care of. 
Today, XX/XX/XXXX I received another letter from Huntington Bank. Charging interest when there never was a balance. 
I spent an hour on the phone with Huntington Bank today. Total time dealing with their error is going on four hours. 
My credit is getting ruined due to Huntington Bank 's error. 
Please help XXXX XXXX cell XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have three accounts that are mine and they showed up on my report with a different address attached XXXX. XXXX XXXX XXXX. Extra account and XXXX. Citibank account .These accounts are not mine and I want them removed.

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 2023-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The loan was given to me by Santander when I had no job or drivers license. They never verified the income from The applicant or co applicant. This was a predatory loan. I never understood the terms and conditions of the loan and that interest would be calculated daily. I was also led to believe that Gap insurance was mandatory and increased the payment amout by {$200.00}. When I found out this was not the case and cancelledthe Gap insurance the monthly payment remianed the same. In XXXX of XXXX XXXX men showed up inregular clothes driving a regular car. They stated they were there to reposess the vehilce due to non payment. I called Santander immediately and payed what they owed and was assured by the representative that my car couldnot be repossessed since it was still inn my possession and I had paid my account arrears. I explained this to the XXXX men who stated they still had to take the car because they were there. They also stated the bank was closed and they had no way of verifying the payment. I handed them the keys and called Santander in the morning. They told be where my vehicle was allegedly being held, however the companynever had the vehicle. The repossessor had my car the whole night and part of the next day and he dropped it back off to my home the following with his son in the car. My car was never taken to a facility. Instead the staff member used it for his own personal reasons and I was charged numerous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY-XXXX  XXXX claims not receiving {$100.00} payment sent by XXXX XXXX XXXX XXXX 
XXXX reported sending payment, just not cashed. 
So, COMENITY claimed no check received, late fees will not be waived. I told them I was : XXXX ) Canceling the Credit Card and Account, XXXX ) Stopping payment on the check, since if the dont have it, it could be lost. And asked them to not cash the check as I was canceling the check. 
XXXX ) Sending a check for {$130.00}. 
About a weeks later, my bill pay showed the check for {$130.00} cleared my bank. 
A couple days later, I received notice from my bank that someone tried to cash the original check for {$100.00}, but was stopped as the check was reported lost. 
A couple weeks later ( today ) I received a bill for the returned check fee from the original check COMENITY tried to cash that they claimed they did not receive. 
They adamantly refuse to cancel the charge for the bounced check. 
At the time they tried to cash it, I owed them no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
My chime bank account which included my check-in and savings accounts both were closed on XX/XX/XXXX I was not told why they were closed out I was sent a policy to read that would describe part of the reason why my account was closed out that was the only evidence and or proof that I was sent as to why my account had been closed after my account had been closed I was told that I would receive my closure check with the amount that was in my accounts at the time of the closure I had to wait 15 business days for an investigation and then 10 business days after that for the check to be sent out and received in the mail after waiting the 25 business days I never received my check in the mail I let them know via email and they gave me the runaround and continuously avoided answering any of my questions and for almost 6 months now I've been trying to request my closure check from them just now today I spoke with them because I had waited 10 days again because they had told me on XX/XX/XXXX that within 10 business days I would receive my closure check because they had to send it back out and after confirming my address they had resent the closure check I've waited over 10 business days when I contacted them after waiting the 10 business days they didn't respond 48 hours after the 10 business days they responded and told me that the check would be sent out in the mail and then they sent me an account balance of {$0.00} in both my checking and my savings account this is completely false and fraudulent I would like the amount that was in my account sent to me like they were supposed to be sent out in the mail in the first place the amount should be {$82.00} and something cents for my checking account and there was only around XXXX cents in my savings account I'm not worried about my savings account as much as I am worried about the amount of money that was in my checking account at the time of closure that has been stolen for me at this point please help me recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Problem with vehicle purchased at 3rd party dealer.

Vehicle has statewide issue recall on the engin company only notified 1st owners ( Im a 3rd owner ) found out about the problem at a scheuduled tune up took to a dealer to have the problem properly diagnosed called the company corporate office and was told recall is expired and my vehicle was over the miliage and they can do nothing for the car Remedy for the problem is to replace the engin for XXXX dollars ( I owe XXXX on the loan ) the engin is defective because coolant leaks into the engin block from a manufacture defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XXXX I got a notification from XXXX that I made a late payment on either XXXX XXXX cc or XXXX XXXX and lost XXXX. I was not late on either account. Even XXXX and XXXX did not report this. It's hurting my credit alot. Please remove this designation. You can see in attached forms Equifax I was late 2 months ago and other 5-6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 Ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
They stole my identity and took out 4 cars in the state of New York and New Jersey and it wasn't me, I'm denouncing that it's a fraud against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS. 

PLEASE SEE ATTACHED DOCUMENTATION TO MEET DEMANDS IN A TIMELY FASHION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/21 I phoned Bank of America to investigate balance transfers after receiving an email from BOA that I was eligible. The representative offered to request a credit line increase. Somehow the credit line increase was morphed into an unauthorized balance transfer request that was approved by BOA and sent to a XXXX account that does not belong to me for @ {$7500.00}. BOA sent the money to XXXX account # XXXX. XXXX verified that this account does not belong to me and would have done the same if BOA contacted them. No one at any of the BOA branches or in the fraud department was willing to call XXXX. 

I reported the transaction as unauthorized and erroneous. BOA conducted some level of research but did not find their error. I requested multiple fraud investigations that did not find the error. BOA had wait times of 45 minutes or more each time I called and I had to call @ 8-15 times. Any time there needed to be a transfer I was often sent to a wrong department due to a horrendous phone system.

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
I was in XXXX  from XX/XX/17 until XXXX during that time my account was accessed and funds totalling {$420.00} where withdrawn attempted to resolve through financial institution they said no fraud was committed I was responsible for those withdrawals which of course being I'm due t be XXXX and right now because of that I can not pay my rent am homeless have no food and can not pay my cellphone bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
Equifax is continuing to report inaccurate unauthorized information on my consumer report and is in VIOLATION of Credit Reporting Act Section 1681b ( c ). This my second notice first once was XX/XX/23 Also a copy of my identity theft report

Company response to consumer: Closed with explanation