vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle Mortgage servicing and XXXX  XXXX  are discriminating in the loan modification process. We have sent in a lot of documents including tax returns and they continue to lose the documents. This started happening right when our ID was sent in showing that we are XXXX XXXX. They have given us one of the worst experiences we have faced and the representatives constantly misplace confidential documents. They also stated by various reps that our credit would not be effected while in loss mitigation this was far from the truth our credit went from XXXX to XXXX by their misrepresentations of the program, faulty reviews and reporting and negligence. They have caused severe harm to our household financially and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a loan that is now a charge off from a place called 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 2023-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and a loan that is now a charge off from a place called 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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I've been trying to resolve a property tax abatement issue with Hyundai Motor Finance ( " XXXX XXXX '' ) for over XXXX months ( since XX/XX/XXXX ). XXXX XXXX claims that I still owe property taxes on a previously leased car/account which is incorrect. I've spoken with multiple XXXX XXXX customer service representatives as well as emailed them numerous times and the issue is still not fixed. XXXX XXXX representatives have repeatedly told me that there is nothing for me to do on my end and that I've provided all the documentation/information they need ; however, the problem never gets taken care of. Hence, I'm reaching out to CFPB for assistance in resolving this issue. When I originally spoke with a XXXX XXXX representative in XX/XX/XXXX, I was informed that it would take approximately XXXX days to fix the property tax abatement issue. It now has been over XXXX months. 

Additional details regarding dates of contact with XXXX XXXX are below : I first provided the requested documentation to XXXX XXXX on XX/XX/XXXX. Since then, I've spoken with HM Finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've also emailed XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, none of these phone calls or emails have led to my property tax abatement issue being resolved. 

Additional information regarding my property tax abatement issue with XXXX XXXX is below/attached : I have tried to resolve a XXXX property tax abatement issue with HM Finance for XXXX XXXX months. Specifically, XXXX XXXX incorrectly lists that I still owe {$280.00} for property taxes on a previously leased vehicle. However, I returned the leased vehicle to XXXX on XX/XX/XXXX ( see attached Vehicle Return Receipt ). Please also see the attached document from the XXXX of XXXX regarding XXXX XXXX of Corrected Fees. The total tax amount paid for XXXX was {$340.00} and the overpayment for XXXX was {$280.00}. As a result, the correct property tax amount that I owed for XXXX was {$57.00} ( {$340.00} - {$280.00} = {$57.00} ), not the {$280.00} that is currently listed. 

I've paid the {$57.00} which was the correct property tax amount that I owed for XXXX. However, my account still incorrectly shows that I still owe {$280.00}. Based on my conversation with a XXXX XXXX representative, I was informed that management was going to remove the {$280.00} amount from my account balance because it was listed in error. I was also told by the XXXX XXXX representative that my account was paid in full and that I did not owe any additional monies. However, this is not reflected when I view my account. My XXXX XXXX account still incorrectly shows that I owe {$280.00}. 

Bottom Line -- I want the {$280.00} removed from my HM Finance account and I want my account to reflect that I owe XXXX monies.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I deposited {$460.00} into the atm for my checking acct at navy federal credit union sunday night. the atm stated an error and would return my money. it only returned {$40.00} ( that was stuck and crumpled up ). i informed XXXX XXXX  immediately. they started a claim to check the atm. the claim was denied due to no extra funds being found. i asked them to check the cameras due to having money in my hand walking up to atm but no money walking away. they refused and made me file to review the claim. i can not afford to lose that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I spoke to Bank of America because I noticed through my mobile app that my account was changed from a Savings Account to a Checking account. I also had repeated charges for Insufficient funds since 2021 on this new Checking account. I was not aware that Bank of America converted my Savings account into an another account.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
BANK OF AMERICA has listed this account as Chargeoff on my Consumer Report for months, I mailed them a letter asking the meaning of the word ( CHARGEOFF ) and they responded with a validation letter. 2 months later they notified me via email that XXXX will be servicing the account moving forward. Ive never arranged for ( XXXX ) to have my information, I never was granted the opportunity to opt out of sharing my information and it was never disclosed to me that I was opting into sharing my information upon applying for this account.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA XXXX this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arias Bosinger
State: FL

Complaint narrative:
I RECEIVED A LETTER FROM SOME LAWYERS, WHO ACT ON BEHALF OF THE ASSOCIATION OF MY HOUSE, INDICATING THAT I HAVE TO PAY FOR A DEBT THAT WAS GENERATED AS A RESULT OF THAT NOTIFICATION, THEY INTEND THAT WE AS OWNERS OF THE HOUSE ARE THE ONE WHO ASSUME THESE COSTS AND IT IS UNFAIR SINCE WHAT THEY ALLEGE IS NOT REALLY TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: IL

Complaint narrative:
XXXX closed my account claiming there was fraud on the account and there was no fraud. This was 3 months ago and I have not received my money that was in the account at the time of closure. They keep saying it will be mailed and it is never mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
I opened an account with Wise to facilitate transferring money from friends in several different countries who are all sharing XXXX  accomodations in multiple countries around the world. My account was opened on or about XX/XX/XXXX. My friends ' accounts in the XXXX, XXXX and XXXX were opened around the same time. They transferred about {$1800.00} to my account, but about a week later Wise closed our accounts without explanation. When we protested, they denied our protest and we no longer have access to our accounts or any information as to amounts held or the disposition of the funds. When you attempt to file a complaint, it requires you to log in. This brings up a message saying your account has been closed and there is no further access. This feedback loop continues no matter where you go on the site. To get any specific information or file a complaint requies a log in, which they deny. I finally found a phone number for a US office for Wise and spoke to a customer service person who was unable to tell me anything except that my accont was closed. He provided an email address to contact someone who could help. This week I received a response saying the funds had been returned to the original senders, but no one who sent me money has received any funds back from Wise and neither have I. I don't have any paper documents to share since everything was handled electronically. Their entire operation seems like a huge scam. How do I get my money back from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: NY

Complaint narrative:
Experian is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )

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 2023-07-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. 

In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. 

Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. 

In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. 

Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. 

Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX Reference Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX XXXX Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out several times to Experian. I would like to express my dissatisfaction regarding Experian 's failure to remove inaccurate information from my consumer report, which is causing me significant emotional stress and infringing upon my privacy rights. Remove in 10 calendar days are further legal action will be taken!

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a Victim of a data breach Someone used my personal information to open several fraudulent accounts in my name. 
The following accounts are fraudulent XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Someone also filed XXXX fraudulent bankruptcies in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX And Someone used several fraudulent address in my name also XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga 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