vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-20 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Began process of purchasing auto at end of car lease on XX/XX/XXXX. After repeated problems with Hyundai Motor Finance saying that that the forms were not complete, and resubmitting forms over a period of a month, XXXX website finally indicated that title was sent. Title was sent to wrong address.When I called back, I was told that it would be resent to the correct address, and that it would take about 20 days. When the title did not arrive and I called back, I was told that the title was NOT sent because the rep made a mistake and indicated that it was a retail account, not a lease. Her name was XXXX and she said that she would escalate the issue and that the title would be sent to the correct address. Request # XXXX was opened, and I was told that I would get a call back from a supervisor within three business days. When that did not happen, I called back again and spoke with XXXX, who said he was a supervisor. Did not know why I did not get the call back, and created what he called a " corporate '' escalation '' number XXXX. Said I would get a call back from a supervisor by XX/XX/XXXX. I continued to request to know when the title would be sent and to what address. I did not get a response to this request, and called Hyundai Motor Finance again on XX/XX/XXXX. The supervisor I spoke with said she could not answer my questions, and transferred my to XXXX, who indicated that he is a manager. XXXX indicated that my requested was closed on XX/XX/XXXX and reopened on XX/XX/XXXX, but could not tell me why it was closed and reopened. He also told me that my previous request ( XXXX ) was resolved, but that the title was not sent. He could not tell me what this outcome meant. I explained to him that my bank has sent XXXX letters requesting the title, and that they may consider the loan to be in default if the title can not be supplied within 30 days from XX/XX/XXXX. He said I could not speak to the title department, as they do not have phones (! ) and opened a new request, number XXXX. He told me to call back in XXXX business days to see if the issue is resolved! When I asked to speak with his manager, he said that that person takes care of bigger things, like the rent on the building, and does not speak with customers. I have been in contact with my bank on a consistent basis, so they know that I am having problems getting the title sent to me. Each time I call, I am told that the title is on file, but I can not get it sent to me. Please help!

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 2022-06-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

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

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 2022-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 I submitted a remittance payment through XXXXXXXX XXXX XXXX to Capital One for {$380.00}. Per UCC 3-603/3-12, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NH

Complaint narrative:
This is a complaint complaint against XXXX XXXX XXXX XXXX. I spoke with their employees who all claimed to not work on commission. They offered me 3 nights at XXXX XXXX which I never gotten or used. They told me I was making a good financial investment. They baited me with lies like saying I will never have to pay maintenance fees again. They enticed me saying I'll make money from this XXXX if decide to re-sell it, as the resale value would go up. They said it has tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I was not made aware of the fees involved in this. They withheld information like informing how cancellation process works, I didn't even know hoe many days to cancel. I had financial difficulties and relationship stress due to this XXXX such as getting divorced. One of the worst experiences is that losing a lot of money for something that is overpriced which I never or can't even use. I was lied to and taken advantage of, they defrauded me, I was baited by their deceiving sales tactics.

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 2022-06-20 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: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.

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 2022-06-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been XXXX and I need them to be deleted, as well as all other paid off accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been XXXX and I need them to be deleted, as well as all other paid off accounts on 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 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased an office chair on XX/XX/XXXX using my Amazon Synchrony credit card, along with a {$20.00} 3 year warranty. We returned it because it was very cheaply made and was not accurate when it said it would hold a heavy person, it was flimsy. I went online to start the return process and selected the return to original payment method. I called the credit card company a few days later and the lady assured me it would be refunded to my credit card, just give it a few days to show up. Well on XX/XX/XXXX when my payment was due, the {$170.00} was still not refunded, yet the {$20.00} was. I called customer service and was given the run around, passed all over the place, until finally I spoke with XXXX. She told me that it was refunded to my gift card balance! I was very upset, and asked her why. This was so unfair, I paid with it by credit card, and it should go back to my credit card, but instead I am stuck out of {$170.00} because they put it on there, so they could still get my money and hold it hostage, forcing me to still give them almost {$200.00} of my money. She claimed that I selected return to gift card, I DID NOT DO THAT, why would I do that, I selected return to original payment method! Furthermore, the warranty was on the same transaction, why did the {$20.00} get refunded to the card, and not the {$170.00} get refunded to my card? It is very suspicious and indicitive of dishonest and unethical business practices! This is so wrong and evil! I need my money refunded, not put on the amazon gift card, where I am forced to use my money on their company for an item I returned! I want a full investigation of this company and their egregious, dishonest and shady business practices! I have now been forced to pay {$170.00} on this account, when it should have been refunded to me, and money is so tight right now, to have to be paying for something I returned and now have to be hostage to Amazon for my money to use it ONLY ON THEIR COMPANY! So wrong!

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 2022-06-20 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: AmeriCollect
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act AmeriCollect, has violated my rights. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
My husband and I have been trying to purchase a home for over a year. XXXX year ago, we were unable to obtain a loan with 100 % financing. In XXXX of 2022 we contacted a realtor to try for a second time. Our realtor informed us that he knew of a lender with a 100 % loan program. We spoke with the lending officer to inquire about the loan program he informed me that part of the loan would cover the down payment and part goes to the closing cost. 

An application was taken, and he informed us that everything looked good and we were pre-approved. 

Because we are first time home buyers, we trusted him. During the entire transaction, he kept saying dont worry everything is going to be fine. He also stated we will get serval forms just sign and return. Also, when we asked about the high numbers it was the same responds dont worry it will improve at closing. 

He never locked in our interest because he was expecting interest rates to improve. At that time, we had no idea of what lock-in was all about. As former XXXX XXXX lock-in had a completely different meaning. 

Our biggest mistake was trusting him. We were desperate to move to close since our lease was about to expire and we had handed in our intent letter we felt like we needed to move forward. 

In short, we expected to go to closing with no additional money and expected our monthly payment to be XXXX less than what he got us. We believe that he has deliberately taken advantage of our situation for his own personal profit. We also believe he took advantage of us due to our race, age and lack of experience with financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
See complaint XXXX. 
Citizens opened a windstorm policy for $ XXXX at $ XXXX. My mortgage is for only $ XXXX ( current balance is about $ XXXX ). Why did they open a policy for more than the loan and why did they back date it XXXX months? 

Please reopen this complaint! 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation