vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : Account Number : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a 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 2023-03-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-03-28 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:
I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and have a clear title, now on XX/XX/XXXX you reported the account as charged off. For the past 5yrs this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. If you look at the history of this account it has ways reported as Paid as Agreed and closed so how did you come up with a charge-off status all of a sudden after its been closed for 5yrs. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I have 2 accounts on my credit file from this company. 1 for {$1100.00} and one for {$860.00}. I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the past month, Ive been unable to access my accounts and attempts to rectify have not been resolved. I have called Citi customer service three times and the representatives have chosen not to help or resolve. Its important to note that this is the latest in several issues I have had with Citi ranging from declined credit card purchases to unjustified interests and fees.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Overdraft fees Money frozen Ive been charged way to much having a account with Wells Fargo and this needs to stop, because of this I dont like the banking system they are a bunch of corrupt crooks that get over on the middle class

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. 
I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality.

{>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality.

{>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: WI

Complaint narrative:
My lease buyout payment with Kia Motor Finance/Hyundai Capital America was sent certified on XX/XX/23 and posted to my account on XX/XX/23 in the amount of {$18000.00}. I intend to sell my vehicle privately and have been delayed due to the poor service of KMF/HCA and a continued problem with releasing my title. I have been continually asked to submit an Odometer Disclosure Statement which I have now provided 5 times in total with XXXX resolution. I have spoke to three reps of KMF to get this resolved, including emailing the form directly to management whom assured me it would be posted within the hour. This did not happen. I have receipt of providing the form for two occasions. One for XX/XX/23 and one for XX/XX/23, attached. Remaining times Ive submitted the form were verbal receipts. I am losing resale value in my vehicle due to this negligence.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
Experian is reporting a late payment for account XXXX XXXX XXXXXXXX XXXX in XXXX of 2020 when I was never late. I do not believe this was investigated because if it were XXXX XXXX  XXXX would have stated that my payments were deferred during covid hence the reason that XXXX and XXXX are not reporting a late payment. I have tried to get this taken care of months ago, but I think that Experian ignore consumer complaints. If this late payment is not removed immediately, I will be seeking legal action due to inaccurate reporting and negligence of a consumer 's credit report. Please keep in mind that this is not a third party, but a real individual who cares about their credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: LA

Complaint narrative:
Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!!

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE XXXX  Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am a victim of predatory lending practices which targeted uninformed minorities seeking homeownership. On XX/XX/XXXX, XXXX wa pressured into aquiring a home equity line of credit before closing the deal on the primary mortgage. At the time I was not informed about mortgages or HELOCs and signed contracts through deceptive sales tactics before given the opportunity to consult with an accountant to determine if I could afford the loan without causing finacial hardship. I was preyed upon due to lack of understanding about loans. terms, and financing. I struggled to keep the second mortgage current and eventually defaulted due to severe finacial hardship. I made the last payment in XX/XX/XXXX to XXXX XXXX. 
Due to the status of the economy after the mortgage meltdown ( toxic loans ) I enrolled in a home modification program, Hardest Hit Fund Principle Reduction through XXXX XXXX XXXX that forgave partial principle on the first mortgage. I was told that the HELOC qualifed for forgiveness as well and I applied. When I recently attempted to refinance my home the second mortgage appeared as a lien. I was never contacted by any lender in twelve years until I intiated contact to resolve the issue. I was under the impression that the second server, XXXX XXXX had forgiven the loan. I've reached out to XXXX, XXXX XXXX, and Loan Care ( sub server ) and continue to get the runaround.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Received a voice mail at work over the weekend for a name I couldn't completely understand ( sounded like XXXX XXXX? ), but it was not recognizable as mine nor any of my coworkers. Said she was XXXX with " Comenity Bank '' and to please call XXXX ext XXXX. So I tried to on Monday but that phone number is now " not in service '' ( 2 days later ) so I tried the number that she called from : XXXX. That number IS Comenity Bank but none of the options are to talk to a person, so I entered the extension number and it took me to " payments '' and wanted me to enter my account # OR my social security number, of which I did neither. At no point can I tell this company to not call our office again as they are either 1. looking for someone not here or 2. phising for information like social security numbers .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: PA

Complaint narrative:
On XXXX XXXX 2023 I woke up to a charge ( XXXX ) on my account and immediately called Key Bank to ask what the charge was for. They informed me it was a 3rd party phone company and gave me the companies number. I informed Key Bank at that time I was lead to believe I was making a XXXX XXXX bill payment and did not realize I was using a 3rd party company. I get free phone service through the govt and that my bill is only XXXX for my insurance and I made an error not realizing this company was not XXXX XXXX  and that I would like to file a dispute for that charge. I also called the 3rd party number and asked for them to reverse the charge and they hung up on me. I also that day asked for a new debit card as I was concerned this company would take more money out of my account. The dispute was filed and my money was returned to me while the dispute was being reviewed. I also informed Key bank that I didnt receive any goods or services from this 3rd party company and basically I was hustled by a site that appears to be XXXX XXXX Today XX/XX/XXXX I woke up to the charge being reversed and the XXXX taken again out of my account. I called key bank and they informed me they closed the dispute and based it on the information sent by the 3rd part phone company. I was never contacted from the dispute dept on the status, never provided any paper work from anybody and explained that I already told them that I in error gave them my info believing it was XXXX XXXX. They said that they made their decision and I asked why they didnt contact me, provide me with the findings before taking the money from my account and that I didnt receive any goods or services from this company. They did not provide me with any documentation on my dispute until I called to inquire what the findings were and my account being overdrawn. Key bank did not keep me informed about my dispute, made a decision without speaking to me and allowed me as a consumer to be stolen from. I asked to reopen the dispute as I was not protected from a fraudulent charge. I want my money back and Key bank to acknowledge that they also victimized me as a consumer. I explained that my phone is free, I canceled my card as soon as I realized what happened, called the 3rd party company as well and filed the dispute. Never contacted again and a decision was made solely on documentation from the 3rd party that I was never provided with. My dispute was reverted and I was not contacted during the process instead again my account overdrawn. There was no due diligence during the dispute process for me the consumer and cant understand how they came to decision without ever speaking to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
My account was randomly closed for no reason on XX/XX/2023 and on XX/XX/2023 I got a direct despot sent to the same account in the amount of {$550.00} on XX/XX/2023 I reached out to them asking them what was going on they responded saying that they was investigating my account and they will give me an update on what was going on with my account since then I have reached multiple times regarding this matter and they keep giving me the run around on XX/XX/2023 they emailed saying they sent {$470.00} to XXXX and they have no further information from me I reached out to XXXX XXXX and they said they need a trace number to look up the funds so I reach back out to current ( XXXX XXXX XXXX ) they said stated they dont have a trace number and no further information to give me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filled serval complaints regarding this ongoing problem with wells Fargo as you can see from the previous. I still have not had a direct answer to what I have been asking for.

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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I was approved for mortgage forbearance through First Horizon mortgage company due to my hardships. I had to take care of my father who was XXXX from XXXX in Ohio, and my wife had her XXXX XXXX while XXXX XXXX to our daughter. I sent them all of the medical results to confirm this. I was also involved in an adverse arbitration ruling however we have factual evidence that the arbitrator was corrupt and since then the Florida XXXX has opened an advanced investigation into him. I sent that Florida XXXX letter in as well to verify my details. I was eventually approved for forbearance after going back and forth with the First Horizon for 6 months. Now they are Dual Tracking me and continuing to ask for the same information I already provided them. They refuse to answer any of my questions that I submit through their online portal. When I call in they say only a supervisor can address my questions. They always inform me they will call me back and they never do. I then demand to stay on hold to speak with a supervisor and they always tell me I can't tie up their phone lines. I finally reached out to a HUD counselor to assist. She was very kind and called in with me on the line. She experienced the same issues. Finally, she demanded to speak to a supervisor. He came on the line and told us their systems were down ( a usual excuse for them ), then hung up on us. Again I am left in limbo on what to do in my situation

Company response to consumer: Closed with explanation