vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX, as facilitated through Credit Karma 's auto loan refinance function on their app. I applied for an auto refinance loan based on an advertisement that promised a XXXX XXXX  monthly payment with a 6.41 % interest rate. 

However, upon interacting with a XXXX representative, I was only offered a monthly payment of {$490.00} with an interest rate exceeding 9.5 %. This significant discrepancy between the advertised terms and the actual offer constitutes false advertising. 

Notably, the loan agent conveyed that achieving the initially advertised interest rate was unattainable, despite my credit score being a solid XXXX at the time of application. This raises concerns about the accuracy and legitimacy of the advertised terms. 

I believe I have been misled and subjected to deceptive practices, resulting in unnecessary hits to my credit score and wasted time. I kindly request that your agency investigates this matter promptly and takes appropriate action to rectify the misleading advertising practices employed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: VA

Complaint narrative:
I reached out to Experian, XXXX and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX XXXX Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has a process to upload documents online in order to complete a credit card application. But Capital One has discriminated against me by not allowing me to use this online " upload '' option that they have made available to millions of other applicants both before and after me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have a pending credit card application ( Application ID # XXXX ) with Capital One, I have sent my additional documents to them several times for them to complete my application but they claim they are not receiving them. I have recently sent my documents for a fourth time, but I was smart enough to get proof this time- XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. There are OBVIOUSLY 2 different dates listed under " date of last activity '' which is a violation of the FDCPA. I will attach my credit report to show this discrepancy. Also, when contacted, the original creditor did not confirm the balance reporting, nor the account at all. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence showing me signing anything agreeing to pay your company the alleged balance. Furthermore, I have requested your method of verification and you have not complied, as well as your license to collect debt in the state of GA, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and FDCPA. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA. You are reporting inconsistent payment history and different information for the date last reported. I'm afraid your company 's furnishing isn't valid nor reliable and I refuse to believe anything you are reporting because you lost all credibility by furnishing inconsistent information. Please see the inaccurate information attached and remove this account from my credit report due to defamation of character, unverifiable information, gross misconduct, and abuse of FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
On Saturday XX/XX/16 I contacted MoneyLion and asked them to please help me get current in my payments. I took a {$500.00} loan from them and they held {$75.00} in a " Credit Reserve account '' So the loan was {$420.00} with {$75.00} held for me. I fell behind on payments of {$23.00} due to the fact that my checking account was flagged for fraud and some other issues. 

I contacted them to please release the {$75.00} so that I could catch up on the loan payments using those funds. I don't want the money back. I just want to use the funds to catch up. They refuse to release the funds. They said they would only release the funds if my balance on the loan was {$75.00} or less. Now this is my money and this is extremely unfair that they will neither give it back or use it towards loan payments. THey are essentially holding it XXXX!! 

Additionally, they are holding this money that could have made me current and they reported me XXXX  days late to the credit bureau. 

I asked to speak to a sueprvisor on XXXX different occassions and they always say XXXX is not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America recently closed my credit card with no notice whatsoever. I was late on payment ( I thought I had set up automatic payments on this card - apparently I had not ). I had previously designated a new email address ( GMAIL ) as my preferred contact. ( an older XXXX address was also on the account ). I logged in to make payment in full, and was notified the card was canceled. I chatted online with XXXX different BofA representatives who confirmed card was closed, could not be re-opened, and I would need to apply for a new card. They could not confirm that any communications were sent to my primary contact e-mail. I checked my inbox multiple times after the exchange, and NO communications were sent from BofA, to warn of account closure. I have had this card for over 10 years. The overdue balance was less than {$300.00}.

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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I closed on my home on XX/XX/XXXX and immediately my mortgage was transferred to PHH mortgage. My XXXX XXXX taxes were to be paid immediately, due by the end of XX/XX/XXXX. This was necessary to record the Deed and Deed of Trust. 

PHH did not pay the taxes through XXXX, at which point I contacted them by phone. I explained the issue and was directed to send the bill to the tax department, which I did immediately. Each month after XXXX, interest was accrued on the bill. I received no resolution or response for XXXX weeks, at which point I contacted PHH again. I was told the request was still in the system, and it would be " escalated. '' I sent the bill to another PHH email address as well during this conversation. 

XXXX more weeks and no resolution or contact, so I said I would submit a complaint if not paid by the end of that week XX/XX/XXXX. I received a call from an escalation manager at XXXX XXXX  on Friday XX/XX/XXXX. I called him back XXXX minutes later XXXX  times and no answer. It's almost like they are messing with me on purpose. 

It is currently XX/XX/XXXX and the tax disbursement was just posted on their account, but in the wrong amount. They paid {$4400.00}, which would've been the amount due in XXXX. The penalty to pay in XXXX is an increase to {$4500.00}, clearly stated on the bill and in my discussions over the phone. 

So, I have to continue chasing them to pay the interest. In all this, I never received a response to any email I sent, and no timeline was ever given for a resolution even though I asked for it specifically. Their nonaction put my deed in danger, and without me taking action, may have put my property at risk for an eventual lien. And their lack of communication is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: PA

Complaint narrative:
I XXXX XXXX currently have a Fruad account on my credit report and XXXX inquiries. 

Accounts 1. XXXX XXXX XXXX XXXX {$56000.00} Inquiries 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX 3. XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have a Fruad account on my credit report and XXXX inquiries. 

Accounts 1. XXXX XXXX XXXX XXXX {$56000.00} Inquiries 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Wednesday, XX/XX/, I made a {$300.00} dollar withdrawal from my account. I asked for XXXX and XXXX. A machine counted the money to the teller, and the teller placed the money in an envelope and gave it to me. When I got home, I discovered that I was short XXXXXXXX XXXX bill. Instead of receiving XXXX XXXX dollar bills, I received only XXXX XXXX dollar bills. 

I emailed the Branch Manager the next day regarding the transaction. He did not respond. 

I filed an internal complaint with Regions Bank ( Complaint # XXXX ). He finally replied. I was not satisfied with his response. 

My account has not been credited with the missing {$10.00}

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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have called Aidvantage once a month at the beginning of the month since XX/XX/. My loan payment keeps jumping to {$350.00} I have private loan payments totaling {$1300.00}, and the representatives on the phone say that I am moving to a plan each month that costs around {$40.00}. Then the next month a bill comes for {$350.00} and I call. They apologize and say the need to reprocess it and put it on forbearance for another month, but my loans are still accruing interest, and there is no supervisor or manager to speak to that can accurately and fully explain what keeps happening to my payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had multiple hard inquiries on my credit from XXXX XXXXXXXX, where I have never done business. I had made an earlier dispute about this same issue but I guess it didnt do anything because XXXX XXXX is still hard inquiring my credit for no reason whatsoever. Also Im now getting multiple false hard inquiries from JPMCB even though I havent had a credit card with them, or applied for any credit ever with them. I just recently last month ( XX/XX/XXXX ) got an Amazon XXXX credit card which is issued by JPMCB so I would expect one hard inquiry but I have one dated back in XXXX and another one from the XXXX of this year, both of which are completely bogus. I have also noticed soft inquires from XXXX XXXX, EVEN THOUGH I DONT DO BUSINESS WITH THEM. I dont understand how theyre still able to hard inquire my credit after the last dispute I had filed this is ridiculous. I believe someone has to be using my personal information for this to be happening. I have also filed multiple disputes with XXXX for never before seen phone numbers and addresses added to my credit report which is very worrisome for me. I am going to file a police report about this also and see if I might need legal help. I contacted XXXX yesterday and put a fraud alert on my credit and removed the fraudulent credit inquiries. I want to make sure its removed with all three of the credit bureaus, and that this doesnt keep happening. I am attaching a photo my my XXXX dispute results which shows the multiple hard inquiries and personal phone number that I had never seen or authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding an installment account named AFFIRM that appeared on my credit report in XX/XX/2023. To clarify, I never authorized the opening of this account, and I promptly reported it as fraud upon discovery. 
Despite my diligent efforts to rectify the situation, the account has not been removed from my credit report, and I have not received any valid reasons or proof for its persistence. I want to emphasize that I initiated a fraud investigation with your bureau, and to my dismay, there has been no follow-up or resolution. 
This unauthorized entry is adversely affecting my credit score and financial standing, and it is imperative that this matter be addressed promptly. I kindly request a thorough and immediate investigation into the AFFIRM installment account discrepancy, along with a detailed explanation for its continued presence on my credit report. 
I expect your prompt attention to this matter and a timely resolution to prevent further damage to my credit profile. Your cooperation in resolving this issue is crucial to restoring my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the loan application process and express my concern about what I perceive as the use of pressure tactics during my recent interaction with your company. I applied for a loan on XXXX XXXX with reference number XXXX, and I believe the circumstances surrounding the application were not handled in a fair and transparent manner. 

During the application process, I experienced what I consider to be undue pressure tactics, including getting my income to a higher number, and making me sign papers without showing me details such as monthly payment .These tactics not only made me uncomfortable but also raised doubts about the integrity of the loan application process. 

As a responsible borrower, I expect a loan application process that adheres to ethical standards and provides a clear understanding of the terms and conditions. The use of pressure tactics not only goes against these principles but also violates consumer rights. 

I am formally disputing the loan application and requesting a thorough investigation into the circumstances surrounding my application. Additionally, I would like you to provide any recorded conversations, emails, or documentation related to my application for further review. 

I trust that you take this matter seriously and conduct a fair and impartial investigation into the reported concerns. It is my expectation that, upon review, appropriate actions will be taken to rectify any unfair practices and ensure the loan application process aligns with ethical standards. 

Please provide a written response to this dispute, including the results of your investigation, within [ reasonable timeframe, e.g., 30 days ]. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For Transunion and XXXX, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: VA

Complaint narrative:
Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For XXXX and Experian, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC.
State: TX

Complaint narrative:
As of XX/XX/19, my funds available ( aka available balance ) does not match my current balance or deposits made. I understand RegCC exist, but it has been well over the limit as the funds in the amount of {$1000.00} were deposited on XXXX and were not available on XX/XX/19. Funds should be available sooner.

Company response to consumer: Closed with explanation