vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent Activity 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 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 XXXX  I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2022 my credit score changed on all 3 credit reporting agencies. On paper it shows with Equifax and XXXX that my credit score went up XXXX FICO points. They refuse to report it online. 2 months ago I sent a research request form to Equifax to change my credit report online. No response. I have requested XXXX to call me back and change my credit score online no response. Right now I only care about XXXX because XXXX  XXXX XXXX only works with them. I am trying to get a mortgage. All three credit reporting agencies should give me more than XXXX FICO points back. I had a XXXX late payment deleted from my record but all credit reporting agencies refuse to give me all of my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have a mortgage with Regions Mortgage. I wanted forced placed flood insurance because it was almost {$700.00} cheaper than what my policy was going to be. I got XXXX notices that this would happen if they did not receive my flood insurance from the current insurance company. I called Regions customer service on XX/XX/30 talked with " XXXX '' and he said he would make a notation in the system about this and for them to use the forced placed insurance of {$220.00} ( shown on form sent to me by Regions ). I had just recently did this on another property we own with forced placed since it was so much cheaper with no issues. Got a letter on XXXX stating they paid the other policy. I can not cancel it per FEMA guidelines unless I have another policy to show it is in force, which Regions say they can not do. I talked with XXXX XXXX (? ) and left numerous messages and he finally called me back. He got XXXX XXXX involved and said at this point there was nothing they could do and they apologized for the person not notating it correctly in their system. I have asked for this to be escalated further as this is costing me an extra {$700.00} this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Company is National Credit Systems, which is working for XXXX XXXX XXXX.I have filed a dispute. I got a signed affidavit that was also notarized stating this was not mine. It was opened by a name that is not mine and I name I have ever used. It is for an Apartment I never lived in or even know where it is. I own my house, I wouldn't get an apartment. I have filled out an XXXX dispute. I gave them my drivers license to verify signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no business with XXXX XXXX  acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
XXXX XXXX collections who works for XXXX XXXX as their collection agency told me they would get my credit cleared If I paid off the debt. I did and received a letter on XX/XX/2022 proving my account has been fully resolved. I called XXXX XXXX and they told me to contact XXXX XXXX and they are responsible to get me help to clear the account. XXXX said they don't clear debt abd that XXXX XXXX handles that. So I called XXXX and they do not even know who they are on XX/XX/2022 but they do recognize the debt. 

The sad part of this circular nightmare, it actually shows on my credit report that XXXX is the collections for XXXX XXXX. Seems to me no one knows what is going on and my credit file still shows the debt there after being full resolved. 

See attached document of 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : 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 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 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 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I was offered a balance transfer from Bank of America and saw there was a 3 % fee to transfer and that I have up to 12 months to pay off the balance. I transferred two card balances but when I called to confirm the terms I asked if I can allocate over payments to my previous high interest balance and they said no - that all of my payments for the next XXXX months have to go to the 0 % balance first! Why would anyone do that?! What a trap - so I am forced to have my previous balance accruing high interest while I pay off a {$0.00} interest loan that I had to pay a transfer fee on? What a scam! They wont let me cancel the transfer now and I am really upset. I would only transfer a balance if I had a {$0.00} balance, but I dont so it is not truly a XXXX interest loan is 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have over {$100000.00} on deposit with CitiBank ( these funds are available ). I have had two checking and one savings accounts with them for over a year with over $ XXXX in funds from the accounts inception. I needed to complete a wire transfer today for a real estate closing and they will not allow me to access my funds. There is a message saying 'Access Blocked '. I've talked to no less than 15 people at their company today across all departments - fraud, security, and customer service departments ; I have also escalated to several managers. These people are in the XXXX and have nothing but a script to follow and can not and will not help. They have told me there is no access to anyone in the United States, for which I have repeatedly asked. They suggested I visit a branch, but there are no branches that I can find in Colorado. 
They suggested I try using XXXX - so I enrolled in XXXX with my Citibank account and sent {$5000.00} to my linked XXXX account ( which is the minimum Im allowed to send ). They blocked the transaction and locked me out of my account completely. I have gone through both standard and elevated authentication processes with multiple departments within Citibank multiple times today and have more than sufficiently authenticated myself. I am very upset that they will not allow me to access my own money, which will have a devastating personal impact on me since I will not be able to close on my new house for which Ive been saving for years. I am highly concerned and afraid that I will not be able to gain access to my funds. My stomach is in knots and I have been in tears all day over this. No one there will or can help. I believe something extremely concerning is occurring and beg the CFPB to look into this with immediacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: GA

Complaint narrative:
I need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
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 2022-09-22 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX I spoke with Chase XXXX XXXX XXXX regarding inaccurate information being reported to XXXX Credit Bureau XXXX I am writing to dispute the following information in my file : Credit Limit Increase {$160000.00} Previous report Credit Limit was XXXX. The questionable item is reported as XXXX XXXX XXXX {$160000.00}, previously report credit limit is XXXX. I was asked by the representative if I had applied for a HELOC. I informed the representative that I have not applied for a HELOC. She stated she would look into this. The return call I missed but I did call back to the mortgage company and was informed that my mortgage is being reported accurately. The initial dispute was not the reporting of my mortgage but the reporting of a HELOC. The representative assured me that she would look into this again. 
I received a letter dated XXXX XXXX that state '' Our record show that we are reporting a high credit/original amount {$160000.00}. My complaint has not been resolved. 

As I understand Credit limit is the amount of total credit available to you. Creditors usually change your limit based on how punctual you are with your payments and total balances. I was not made aware of any new credit limit increase. 
This false report has had a negative impact on my ability to obtain a good interest rate for the car that I purchased. It has cost me a higher interest rate on my car purchase and loss of points on my credit score. 

My XXXX credit report on XX/XX/2022 and XX/XX/2022 item I have identified are inaccurate for the reason that I never apply for any HELOC, I have supporting facts/evidence to prove this. 
I am requesting that these items be deleted in order adequately reflect my true credit history. 
It has been frustrating to have a large company just refuse to fix the problem in a such a high-handed way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am trying to resolve a debt that I do not owe. I moved into The XXXX apartments in XX/XX/XXXX. I never had any major issues with this apartment complex until I moved out in XX/XX/XXXX. I have not received my deposit that is due back to me. I am being wrongfully charged for carpet replacement for a pet I never owned. I am being billed {$230.00} for pet damages. The apartment complex has never seen me walking any animals. The apartment complex would also, not let me stay there without paying pet rent if they knew i had an animal. I NEVER owned any animals while living there and, still do not. I have tried multiple resources to try and get this issue resolved to no avail. This has been going on for almost a year. Ive filed a complaint with XXXX and the XXXX. I also sent the apartment complex a certified letter of my dispute of the charges due. There was also not a final walkthrough of the apartment at move out. I would not take so much time out of my schedule to dispute charges that are owed. I am not paying for damages that I did not cause. I have a proven track record that I pay all of my bills. I have never had anything go to collections or had debt collectors reaching out for payment. I have also reviewed the apartment complex XXXX reviews. I am not the only resident that has been charged for carpet replacement I would like to get this issued resolved and removed as this is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one Savor Account said I opened up an account or authorized a person to do it. I did not. I never received a card and my credit report was changed to a different address. I'm XXXX XXXX XXXX and have been at the same address for XXXX + years. I never received anything in the mail in reference to a card. Also just yesterday another card was opened by XXXX XXXX. Neither of these accounts are mine I have XXXX credit cards of my own and a checking and savings with XXXX bank. Someone has been using my information fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Was below 78 % of the original loan valuation. Contacted NewRez on XX/XX/2022. Was advised by the gentleman that he showed I was well under the 78 % and that the PMI should be removed in 2-3 days and my account online would reflect this. This did not occur so called back on XX/XX/2022. The lady stated that she did see that the request was put in, but had not been completed yet, allow some more time and any additional payments would be backdated for me. Made my payment with the PMI that was due on XX/XX/2022. Waited a few more weeks and called on XX/XX/2022. Spoke to the representative who stated she was not able to see any requests and that my PMI was not paid monthly anyways. After questioning her about this inaccuracy, she spoke to a supervisor and returned stating that there was no rule that they had to remove the PMI, but she was instructed to put in a request. I will now make my 2nd unnecessary PMI payment on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
- Kia agreed that I never owed property taxes on this leased XXXX XXXX XXXX.

- As a result, Kia agreed that I should be reimbursed for the two years of property taxes I paid on the vehicle. 
- This meant that Kia owed me {$220.00} for one year and {$220.00} for the other year. 

- After a reasonable amount of time, I had not received the reimbursement. 
- About one month ago, I called Kia to inquire about the reimbursement. 
- Kia said the checks had been mailed in late XX/XX/XXXX. 
- I informed Kia that, as of XX/XX/XXXX, I had not received the checks. 
- Kia said they would re-send the two checks. 
- I confirmed that Kia has my correct mailing address. 
- My mailing address has not changed since XX/XX/XXXX. 

- As of XXXX, I still have not received the two checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/2022 I have sent certified letters to XXXX, XXXX and Transunion regarding my bankruptcy information which was obtained from the XXXX XXXX  XXXX that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The XXXX XXXX  XXXX that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/2022 I have sent certified letters to XXXX, Experian and XXXX regarding my bankruptcy information which was obtained from the XXXX XXXX  XXXX that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The XXXX XXXX  XXXX that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.

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