vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Due to error instructions on part of the bank money was never received by XXXX though money was deducted from my account. Transaction date XX/XX/XXXX. Now I am told to deal with XXXX bank in XXXX. I am on my own

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is violating my rights as a consumer by posting a charge off on my credit file in violation of USC 1681 a, USC 1681 s2, USC 1681 2 ( a ) ( 1 ). furthermore this account is past the statute of limitations in my state. yet they are still harassing me by phone calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit 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: DISCOVER BANK
State: MA

Complaint narrative:
I filed a dispute with discover for a company not honoring their return policy and not letting me return my products on XXXX for {$2800.00}. I provided all the proof that this was true and Discover does nothing and sides with the merchant : Ive heard the horror stories before that Discover never sides with the user on disputes. I wonder be using this card in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I reached out by email to Freedom Mortgage loss mitigation on XX/XX/XXXX -asking to please provide a breakdown on a XXXX partial claim. 
I didnt get a response so, I called Customer Service they put in two separate request for someone in underwriting to call me- 1 call was supposed to happen on Tuesday after XXXX XXXX. The 2nd call was supposed to take place on XX/XX/XXXX I-never received a call. 
Finally I called back - talked to someone in loss mitigation-that person was still Not able to tell Me how Freedom Mortgage came up with XXXX. in the recorded call, he stated their was no breakdown spreadsheet attached??? 
The statement I received from him dated XX/XX/XXXX & XX/XX/XXXX show my outstanding principal going from XXXX down to XXXX which is a difference of $ XXXX. 
No one at FM, including my attorney can figure how they came up with XXXX! I would like to what was added up to come up this this amount. I have a closing date set for XX/XX/XXXX and this is a high amount I wasnt aware of. I did call XXXX for help but never signed a sheet that reflects XXXX. Yes some forms were sent to me XXXX but no dollar amount was on any of the forms I signed that were notarized. I never would have agreed to such a large amount without pulling out some cash or something. Please explain this 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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I accidentally made an double payment at the end of my lease term in XX/XX/XXXX. I called that same morning to alert them and they stated they could not reverse the charge and since it was the end of my lease the only option would be to send me a refund check. Needless to say this created an ongoing issue where they never actually sent me a check and furthermore, never credited the extra payment against my account. When i extended the terms of my loan another 6 months and was told this was all taken care of and the payment would be applied, I was erroneously reported as 30 days past due in XXXX. Had to make more phone calls, they assured me they would fix it and I was reported again in XXXX of XXXX. They put me through so much stress and effected me financially. I spent hours over those 5 months on numerous phone calls, speaking to numerous specialists, getting collection calls and letters every day. The worst experience I have ever had. Each time they said the call was recorded and that they were sorry and everything would be resolved, so there should be no issue to investigate and remove these derogatory marks from my report which have already caused my APRs to increase on my other accounts and caused my auto purchase to have an outrageous payment and my refinance to be denied. This is effecting my credit and my life. They have put me through so much stress, all because I made an extra payment at the end of my term and they didn't know how to handle it. Please look at my credit history, I am not XXXX to be past due on my accounts. Please help! I already reported through XXXX and sent letter to XXXX and they continue to do nothing. I attached a file with further explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hello XXXX XXXX XXXX XXXX and im trying to buy a house and build my credit but because of the inaccurate information under 15 U.S.C 1681, the banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. THIS IS A DEFAMATION TO MY CHARACTER AND ITS REALLY DAMAGING PLEASE FIX IT.

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 2023-09-18 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
XXXX XXXX credit card company was no help in helping me reduce payments during financial hardship they turned payment over to Crown assessment management company. They harassed me repeatedly daily, even calling relatives that they could find harassing them. I set up a small payment plan with them but I do not get any monthly statements Ive been trying to reach them to see my balance on this account and I can not get through to them., nor will they email or call me back they are ruthless horrible people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Account info Account number XXXX is showing a late payment on XX/XX/2019. I have told experican this is not correct. They gave refused to correct this after I sent them 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The banker misapplied my payment of {$990.00} to a Credit Card account on the first day the bank regained power and reopened after XXXX [ the local hurricane ]. The Personal Loan is now delinquent or in default because of the misapplication of that check ( XXXX ) that has cleared my checking account at another financial institution. The Credit Card was also paid in full that same date in the sum of {$3800.00}.

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 2023-09-18 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: CT

Complaint narrative:
I am writing to express my deep dissatisfaction with the current state of affairs regarding the release of my title following the payment of the buyout amount to Kia Finance, as well as the discrepancies in the information provided by your customer service representatives. 

On XX/XX/2023, I made a full payment of the buyout amount, as agreed upon, with the expectation that this payment would expedite the process of releasing my title. Your customer service team assured me, during a recorded phone call, that making an online payment was the fastest and most efficient way to facilitate the title release. 

To my dismay, despite the funds being withdrawn from my bank account, my Kia account still reflects a past-due status, and I have not received the bill of sale necessary to initiate the title release process. When I contacted your customer service team, they informed me that it would take a staggering 14 days to clear this matter, which starkly contrasts with the information I received during the phone call on XX/XX/XXXX. During that conversation, I was informed that, with the prompt receipt of the required documents, I could expect to have my title in hand within one week. In fact, I even went the extra mile by providing my XXXX account number to facilitate overnight shipping for the documents. 

I must emphasize that this matter is of utmost urgency to me, and I am deeply disappointed by the apparent lack of concern or urgency displayed by kia following the completion of my payment. The inconsistency in the information provided and the apparent disregard for my urgency is unacceptable. 

I kindly request that you investigate and expedite the processing of my title release without any further delay. I believe it is only fair that your company honors the commitment made by your customer service team during our initial phone call on XX/XX/XXXX. 

I look forward to a prompt resolution of this matter and the release of my title in accordance with the originally promised timeframe.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OZK
State: FL

Complaint narrative:
Bank OZK illegally removed me from my bank account and then kept my funds, which they still have them today years later. I have legal documents to prove they have stolen from me, and they had me banned from going to any location with threat of being arrested by the police.

Company response to consumer: Closed with explanation