vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase

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 2024-11-02 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: Fig Tech Inc.
State: CA

Complaint narrative:
My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently looked at my credit report and noticed that there are a bunch of inaccuracies on my credit report. I have attached documents in regards to matter. Equifax did not conduct a thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score on Equifax is showing incorrect information about my on time payment history. Equifax is including previous accounts that were charged of in my 2021 Bankruptcy. This incorrect information of my payment history is directly affecting my credit score by XXXX points compared to XXXX XXXX XXXX XXXX Equifax is not correctly reporting my on time payment history on all of my current accounts which has been 100 % on time for at least 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc.
State: IL

Complaint narrative:
XX/XX/year> tried to withdraw XXXX dollars out the ATM located atXXXX XXXX XXXX XXXX XXXX Illinois didn't any money dispense but it wasn't taken out of my account when I call customer service they were playing on the phone very unprofessional i had to call several times when did speak to someone they told me that it's still pending so give it 24 hours and it will go back in my account it have been over 24 hours and money is still not in my account, this is my rent money I was trying to withdraw it to pay my rent yesterday if my is not paid today it is a late fee charge can please help me get this resolved before tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX is illegally reporting late payment transactions on my XXXX credit report, which has negatively impacted my credit record. 
XXXX XXXX  XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> 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 2024-11-02 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: FL

Complaint narrative:
XXXX XXXX  XXXX is illegally reporting late payment transactions on my XXXX credit report, which has negatively impacted my credit record. 
XXXX XXXX XXXXXXXX Account # XXXX Past due : 30 Days Date : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion has not updated credit report in a year and i have disputed things that appear on the report such as name variations unknown addresses, and my student loan information balance was paid months agao and it is still showing. XXXX  say both reports have not been updated in a year and have scores of XXXX points or more lower than experian. XXXX is also outdated and not kept up to date. 
The damaged my credit and embarrassed me at multiple merchants and many hours on the phone and in their branches.

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 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, my online American Express account was hacked by fraudster. They fraudulent opened a business line of credit ( previous Kabbage now XXXX XXXX ) and made a number of fraud transfers. I called American Express right away and reported the fraud, as per their request, provided the entire package of ID Theft Affidavit within 2 days in XXXX. Since the investigation case becomes mystery and I have called almost every other days with long hours of wait time. All representatives were mentioning the case was escalated but they need fraud department to clarify a few things, either they themselves could not get hold of someone in that department or that department is not working. They promised in all calls that someone will follow up with me 24-48 hours, no single person did in these almost 3 months. Things start to get worse, as the business line of credit was not tagged with fraud and continue to send me past-due payment notifications. I called again and they told me not to worry about it as the investigation is still going on until about one month ago, I received notification about my American Express credit cards were suspended for use. I called again, they told me because my profile was marked as past due from the business line of credit side, it halted all other cards ' usage. Now I am really frustrated as it not only continues to be a matter I have to resolve, but it impacts my daily life including recurring linked payments from these credit cards. I have no clue why it took Amex this long for a fraud as a consumer i reported right away. Furthermore, for the business checking account user id, I asked them to help me change the login information given the fraud attack, they told me it is a system limitation. As a result, I requested closure of that account, which they mentioned multiple times it was closed including a mail sent to me, but i have yet to receive any closure with my balance check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was alerted by my bank, XXXX in California on XX/XX/XXXX that Barclays bank in Delaware has pulled a hard inquiry on my credit report. This was requested at the end of XXXX or the beginning of XXXX, the inquiry type was individual and it has lowered my credit score. I called Barclays bank in Delaware last night on XX/XX/XXXX and spoke with the security representative, who asked me for my Social Security number and ran a check telling me the result was there was not any credit request or credit card was opened so far. He told me to call all three credit bureaus to have this inquiry removed from my credit report. I never made any request for credit In any manner whatsoever. I want the hard inquiry removed from my credit report. This is fraudulent activity and I believe XXXX XXXX has had a security breach recently. 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 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one Card has been flagged as fraud and removed from XXXX and XXXX. Captial One has continued reorienting the inaccurate and invalid account to XXXX violating consumer rights by reporting inaccurate and incorrect data and has refused to halt doing so even with fraud reports and request for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit 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: WI

Complaint narrative:
I am adding to the complaint I filed against Ashley Furniture after my latest interaction with them today. 

I called early afternoon today XXXX. The representative told me that nothing would be done, by any help or company, as we have your money after XXXX hours. I could not believe what I was hearing. When I bought the chair, I was told I have 120 days to get my money back. The chair 's first malfunction happened within XXXX weeks of delivery. I told them at the end of XX/XX/year> that I wanted my money back and that they can come get the XXXX chair I received. This was the XXXX time I said that. I said it again XXXX weeks later in XX/XX/year> when they canceled my original service repair to the one from the other day ( XXXX ) which then would put the timeline over 120 days. 

I have been mistreated, lied to, and caused severe issues with my recovery from XXXX XXXX as a result of this entire experience. Even as I write this it is not over as the repair from the other day was of poor quality, didn't fix the issues, and actually made XXXX of them worse. I want nothing to do with this company or their products ever again. 

I no longer was a replacement chair, I want a FULL refund with removal by them of this horrible product. Below is the breakdown from purchase price. 

{$900.00} refund for out of pocket down payment/warranty ( past year XXXX ) etc {$950.00} refund for what was put on my Ashley Credit Card Total {$1800.00}. 

This is what I am owed by after {$1500.00} pain and {$340.00} left to pay off on the credit card. As a person who is 100 % XXXX, I will not be able to purchase a new chair from a much better and more quality company without this relief. I have been more patience, trying and understanding than a customer should have to be. Sadly this company has lived up to their XXXX rating for XXXX quality products, lying and being disrespectful to their customers, and giving customers the runaround. 

I am available by phone to share more information about the experience if needed. Please see previous submitted case against Ashley Furniture for attachments.

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 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
On or about XX/XX/XXXX I contacted Rushmore Servicing ( Nationstar Mortgage LLC ) about my monthly payment that went up over {$790.00} per month. Since that date, I have written 6 times and Rushmore Servicing is still stating that they have the right to raise my monthly payment. The XX/XX/XXXX agreement set the maximum interest rate and the remaining amortization term. The agreement states that the current amortization term of 309 months would change to 429 months. The second page of the agreement clearly states " The maturity date will stay the same XX/XX/XXXX. All monthly payments will be based on an amortization term of 429 months following the date of this agreement ''. A signed copy will be under attachments. 
From XX/XX/XXXX to XX/XX/XXXX the guidelines were followed, and once a year I would receive a statement showing the principal balance and the amortization term. On XX/XX/XXXX Rushmore Loan Management Services sent me a sheet showing principal balance of {$330000.00} Amortization Term 300 payments. 
XX/XX/XXXX Rushmore Servicing ( Nationstar Mortgage LLC ) stated that the principal balance {$330000.00} Amortization Term 168 payments. They took 120 months of amortization off the agreement and RAISED THE PRINCIPAL MONTHLY PAYMENT FROM {$750.00} TO {$1500.00}. They refuse to acknowledge the prior agreement and only state that they are permitted to raise the monthly payment.

Six times I have tried to resolve this, but to no avail. They are charging late charges and possibly destroying my credit.

Research shows that CFPB took Nationstar to court, see Case No. XXXX Number XXXX of their charges is exactly what they are trying to do to me. 
( XXXX ) improperly increased borrowers permanent, modified monthly loan payments ; I am XXXX XXXX XXXX and they are trying to force me into a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear XXXX, I am writing to formally dispute a fraudulent account reported by XXXX XXXX XXXX XXXX on my credit report. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX ( XXXXExperian ) Account Type : Open account ( Collection ) Date Opened : XX/XX/XXXX Balance : {$510.00} I believe this account is fraudulent and does not belong to me. I did not authorize this account, and I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this fraudulent account from my credit report. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, which I am including as supporting documentation. 
Please find attached copies of the following documents : 1. FTC Identity Theft Report. 
I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation. 
Thank you for your assistance in resolving this issue. 
Sincerely, 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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
An attempt to pay off XXXX ( XXXX ) card by using Citi card with no interest for 15 months ; opening a line of credit for {$3000.00} to pay down on a XXXX ( XXXX ) account in XX/XX/year>. According to Citi the wire transfer was done on XX/XX/XXXX. As of date, the transfer to XXXX has never been received through wire transfer. Called multiple times to Citi who claims the funds were transferred to XXXX ; XXXX is saying the funds have not been received. On Friday, XX/XX/XXXX, did a teleconference with both Citi and XXXX, still no resolution. Citi has started charging a monthly fee to repay the balance of {$3000.00} although the funds were never received by XXXX. Ive made numerous calls to both Citi and XXXX, no resolution. 

It has been over 65 days since the transfer from Citi to XXXX with no resolution, and interest rate with XXXX continues. Ive requested that Citi cancel the transfer, which they say they can not. This is a request to resolve this matter and request Citi or XXXX to pay all fees incurred delaying this process.

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 2024-11-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I made Equifax aware that they are violating my rights to dispute discrepancies on my credit profile by not investigating and providing proof a debt is valid. I filed fraud disputes on XXXX account XXXX XXXX and XXXX XXXX. I sent in my identity theft report. Equifax failed to remove these fraudulent accounts. On top of that they are being reported as charge offs. I informed them I never received any tax documents from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has not updated credit report in a year and i have disputed things that appear on the report such as name variations unknown addresses, and my student loan information balance was paid months agao and it is still showing. XXXX  say both reports have not been updated in a year and have scores of XXXX XXXX  or more lower than experian. Equifax is also outdated and not kept up to date. 
The damaged my credit and embarrassed me at multiple merchants and many hours on the phone and in their branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
PLEASE VIEW ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Reporting Dear TransUnion, I am writing to formally address a serious concern regarding your recent handling of my consumer report and the lack of compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance. TransUnion I noticed that your company has displayed my closed account with XXXX XXXX XXXX as a charge off on annualcreditreport.com This account has been reported inaccurate for over 1 year. But When I sign into the TransUnion app my account is listed as Paid, Closed, paid as agreed with remarks SETTLED -LESS THAN FULL BALANCE -CLOSED. TransUnion you are in violation of the FCRA for inaccurate reporting of my account. If this account isn't removed within 5 days of this letter I will pursue a civil action lawsuit against your company for reporting inaccurate information on my credit report. 

I have previously contacted your office regarding discrepancies in my credit report and have yet to receive a satisfactory resolution. Should you send me another stall letter without addressing my concerns, I will pursue legal action against TransUnion for the willful failure to comply with the requirements imposed under the FCRA. 

As stipulated in 15 U.S. Code 1681n, I am entitled to seek damages for any harm caused by your noncompliance, which includes actual damages sustained or a statutory amount of {$1000.00}, whichever is greater. 

I urge you to take this matter seriously with a quick response to resolve my concerns. I expect a detailed response addressing my issues. 

Thank you for your immediate attention to this matter. I hope to resolve this issue amicably and await your swift response.

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