vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
( American Honda Finance ) opened on XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the rights to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was checking my fico credit score to see if I would qualify for a loan and as I was checking my score I noticed everything was correct but my address. I live in XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The address on my report was a Fl. address. 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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase debit card account was closed directly without my notification or knowledge, and I still have about XXXX dollars in my debit and credit accounts. After I called and asked about it at that time, the customer service did not explain the reason to me, but just said that they would mail me a letter about the reason and send me a check for the money that was in the account after they finished their review. I was very confused and felt aggrieved that this was being done to me when I had done nothing, but I was willing to respect Chase and trust that I would be dealt with fairly. After a month of waiting for Chase to process my case, I still have not gotten any results or even my deposit returned to me. After calling several times to inquire and making inquiries at the branch, I still have not received an accurate answer, and it has even turned out that I may not be able to get back the money that belongs to me and that I deposited in my account for myself. First of all, I think this whole thing is outrageous and unfair. Chase locked my account and did not even return my deposit to me without any notice or reminder when I was just making normal deposits and withdrawals. Secondly, I have requested several times if the investigation can be expedited and if my normal deposit can be returned to me first, because I need to re-rent my apartment at the end of XXXX, and the money I have in my original Chase account is the money I use to rent my apartment, and I don't have any extra free money to use to pay the rent, and if Chase can't return my money before the end of XXXX, or even doesn't want to return it to me, I have no way to pay rent, which means no way to have a residence. Their behavior has very seriously impacted my life and has left me without even the most basic means of living. I don't want to believe that Chase would engage in this kind of robbery, but I have a clear conscience that I didn't do anything illegal with my money, so why should I be subjected to this kind of unwarranted suffering? I would like to believe that there is suspicion and vigilance on their side, but I believe that I have not done anything bad myself and that all my previous financial records prove my integrity, then I am not willing to suffer such suspicion or even take my own money for nothing to the point where it has now affected my basic life. Please at least give me a clear reply and return my own money to me instead of being vague and delaying it to the point where I can't even maintain my normal accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
On XX/XX/2023, I viewed my XXXX, XXXX and XXXX consumer report and located a negative credit report from LVNV FUNDING LLC XXXX XXXX RESURGENT CAPITAL SERVICES L.P. On XX/XX/2023, I sent a notice of dispute, debt validation and cease and desist to the debt collector to communicated with me thru mail only. On XX/XX/2023, RESURGENT CAPITAL SERVICES L.P. sent me an alleged statement to validate the alleged debt. Unfortunately, a statement is not validation or verification of the alleged debt. In a communication dated XX/XX/2023, they sent me what seems to be a debt validation letter which seems deceptive to me as the debt collector has all ready taken adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Case opened XX/XX/XXXX. Account has been frozen for one week and no withdrawals are being allowed as my Social Security benefits have since been deposited.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My bank has reported my correct address to Experian multiple times and Experian has the wrong address associated with all of my XXXX Michigan  banking information on my credit report and Experian boost section.

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 2023-10-13 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: GA

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized inquires on my credit report that does not belong to me and I did not authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: SC

Complaint narrative:
Have inquiries on my account that i don't have no clue about! Please remove.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Prosper said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from prosper stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that Proper 's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my XXXX credit report from Prosper and I want it removed immediately as Prosper lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good. 
I never would have proceed with the loan application if the prosper agent never said that I was pre- approved for the loan. Kindly remove prosper hard inquiry from my credit report immediately.

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 2023-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I purchased a vehicle following my lease from Hyundai Motor Finance. 
I called them monthly to get my title which I never received. 
They continue to tell me I can expect to receive it in the mail/ and that they will send me an email confirmation, however I never received anything. Now they are trying to make me pay a fee after never sending me a copy in the first place! 
I asked to void the transaction but they wont allow me to do so. 
They are offering no solution and I am running a legal risk if I use my vehicle. 
I paid a massive amount of money for an item/service I didnt receive. They are defrauding me.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: WV

Complaint narrative:
My XXXX  credit report states that MOHELA is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with MOHELA and XXXX. MOHELA stated in an email to me that it submitted a request to XXXX to remove the comment on XXXX XXXX XXXX and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with XXXX directly to no avail. 

I previously filed a complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau on XXXX XXXX XXXX  concerning this issue. The complaint number was XXXX. I also previously filed a complaint against MOHELA with the XXXX XXXX XXXX MOHELA responded to my complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. That response indicated that a request was submitted to XXXX on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau because the comment was removed from my XXXX credit report ( for a time ). However, I accessed my XXXX credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX I would like this comment removed from my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: MOHELA
State: CT

Complaint narrative:
Mohela is the servicer of my federal student loans. I was set to begin loan repayment on XX/XX/XXXX. The payment did not post, so I checked the Mohela website. I did not receive any email notifications about my payment. On the website, I had a letter stating that my account was put into XXXX XXXX, ending XX/XX/23. I did not request this forbearance and was not contacted about it. Mohela 's website says that wait times are very long, and I see other reviews online that calls are taking about 2 hours to try to deal with this, and that Mohela is offering conflicting information. I work all day and do not have time to chase my federal student loan servicer for hours. They are failing to do the bare minimum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Property Receivables, Corp
State: WA

Complaint narrative:
The apartment complex that has sent my bill to collections has made a mistake by charging me for the entire month of XXXX. I moved out a few days into XXXX XXXX XXXX XXXX and gave a proper 20 days notice prior to that. 

XXXX is confirming that this was the timeline as well based on their invoice. The invoice that was emailed to me shows I put my notice in on XXXX XXXX  and moved out XXXX XXXX 

Nowhere does this invoice show that I didn't put ample notice, nor did I stay the duration of the month of XXXX. Based upon XXXXXXXX XXXX  own records they sent over to you I should not be charged the entire month. 

It looks like XXXX has made a mistake charging and sending this to collections. 

Please Note : I do want to state that my true date of notice of moving out was XX/XX/ which I have documented via email. My actual last day at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
My bank has reported my correct address to XXXX multiple times and XXXX has the wrong address associated with all of my XXXX Michigan banking information on my credit report and XXXX  XXXX  section.

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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CT

Complaint narrative:
On XX/XX/XXXX, I made a payment for {$15000.00}. On XX/XX/XXXX, I requested a refund for the amount of {$15000.00}. On that day ( XX/XX/XXXX ), I was informed that the expected time to get the refund back is about XXXX to XXXX  months and that the money would be directly deposited into the XXXX bank account where I originally made the payment of {$15000.00}. As the time went by, and I did not see any deposit into my XXXX bank account, I tried cancelling the refund on XX/XX/XXXX. 
Since the loan of {$15000.00} stayed open on my account, I started to call again and again to investigate why the loan was not closed out. After many calls and search requests, on XX/XX/XXXX, I was finally informed that the refund had been issued as a check from the US Treasury on XX/XX/XXXX ( about a month and a half after my refund request, NOT XXXX months as I was told AND NOT a direct deposit to my bank account as I was told... ) and that the check ( US Treasury check for the amount of {$15000.00} ) was already claimed by someone else on XX/XX/XXXX!! Not only was I misinformed by EdFinancial about how the refund would work AND the timing, but someone claimed a US Treasury check under my name! I would also like to mention that in the many calls I made, no one ever told me that there was an update on any of the search requests ( until XX/XX/XXXX- thank you XXXX ) even though the results from the finance department were in since XX/XX/XXXX. 

Timeline of events for clarity : -Loan payment for {$15000.00} : XX/XX/XXXX XXXX request for {$15000.00} : XX/XX/XXXX -Treasury check sent for {$15000.00} : XX/XX/XXXX -Treasury check claimed ( XXXX someone else ) for {$15000.00} : XX/XX/XXXX -Refund cancel request for {$15000.00} : XX/XX/XXXX -Finance Department search request results regarding check for {$15000.00} : XX/XX/XXXX -Me getting informed the results were available regarding check for {$15000.00} : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After closure of my account, this bank is refusing to send my remaining balance as told to me by XXXX XXXX XXXX  They have claimed to be unable to reach Dept of Us Treasury, to verify my deposit. It has passed the timeframe given and after several attempts to rectify this situation, I am still unable to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting 3 inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to XXXX and Transition XXXX times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all 3 collection accounts removed from Transunion and XXXX as since XXXX removed the accounts, that means Transition and XXXX should not be reporting those accounts anymore.

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 2023-10-13 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: FL

Complaint narrative:
I want the inquiries removed from my credit report. 

XXXXXXXX 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 2023-10-13 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: FL

Complaint narrative:
I want the inquiries removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation