vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: UT

Complaint narrative:
On XX/XX/2023 we made a call to Exeter Finance to validate a debt. However, upon trying to validate the debt, Exeter Finance explicitly refuse to give any information pertaining to the debt, stating the reason for not disclosing any information was due to litigation. However, there is no litigation from Exeter Finance on this account at this moment. They then tried to say that legal counsel needed to be provided in order to discuss the debt, and that a " pro bono '' lawyer is not a valid one.

Even after giving Exeter Finance my name and all pertaining information to this debt, they still were unable to give me any information as a consumer upon this account. Since no information can be given, this debt is invalid.

In the recorded phone call, you can explicitly hear the refusal to answer any questions about the debt. 

We also tried contacting this company on XX/XX/XXXX, only to be hung up on. Both calls are attached, and labeled as follows ExeterXXXX  : recorded on XX/XX/XXXX ExeterXXXX : recorded on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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:
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 15 USC 1681.

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: 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 15 USC 1681.

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/2021, I paid the full amount for both my leased vehicles. I have been waiting for my titles for the past 2 years. They said they sent it to my home address but I have never received anything from Hyundai Motor Finance. I have called them number times and have even sent them a check to request my title. They give me the run around and have even hung up on me multiple times. 

I need the titles to BOTH my vehicles before the end of the 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 2023-10-24 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: NY

Complaint narrative:
The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my XXXX profile that do not belong to me are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts on my Equifax profile that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had recently went in XXXX XXXX to start my credit and I noticed a collection for XXXX that was opened XX/XX/2023 it does not state where this has came from it just states the original creditor collection and I dont owe any collections.

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 2023-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CO

Complaint narrative:
On XX/XX/2023 we had a frozen pipe burst causing damage to our home. Filed a claim with XXXX XXXX. They were very slow in their response but by the end of XXXX the water and asbestos restoration were complete and billed. XXXX XXXX  XXXX of XXXX, CO is owed {$44000.00} and The XXXX XXXX is owed {$27000.00} of XXXX, CO. 
Fast forward a few months and XXXX XXXX is holding funds intended to pay the restoration companies and will not release them for payment. I have a lien on my home from the companies. All documentation XXXX XXXX has requested has been submitted. I call on a weekly basis and am told the same information ... " an exception has been submitted to release funds '' or " a request has been made to release funds ''. I get no where. I need help. Someone to get their attention and do something.

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 2023-10-24 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: GA

Complaint narrative:
I have disputed inaccuracies numerous times with Experian and they always come back with verified but there is no way it was verified, they probably just reached out to a secondary credit reporting agency and it showed the same thing or close to what they had on file. 
Just because it matches closely to a secondary reporting agency doesn't mean it is accurate and as proof I supplied them with a credit report with all 3 major credit reporting agencies side by side and highlighted the inaccuracies. 
Dates of last activity, last reporting, date opening, closed date none match on the 3 bureau 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account has been disputed numerous times for inaccuracies and either comes back as updated or verified, but there is no way it can be accurate as I have provided proof that the dates are inaccurate. 
Experian never provided the method of verification they used to " verify '' the information. 
Information is incorrect as can been seen in the attached 3 bureau report.

If the dates of the last activity, last reporting, etc. is incorrect between the 3 major credit reporting agencies then the secondary credit reporting agencies have the same inaccurate information. 
I have reached out to the original creditor as well but they just say it is correct and send me print out, but the thing is if the original creditor isn't reporting the account accurately who is to say the print out is correct ; i.e. the inaccuracies as seen in the 3 bureau 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: OH

Complaint narrative:
I was told on XX/XX/XXXX that my personal checking account was over drawn and that a purchase came in from XXXX for {$12.00}. my account overdrew for {$8.00} and that was the balance on XX/XX/XXXX. I have not been using that account and it was positive. Iwas not aware they charge {$8.00} recurring charges daily. I think it's ridiculous. Now my account is negative {$80.00} because of this {$8.00}. I would like to close this account. The bank should have never paid it when the account did not have enough money. I had {$4.00} in my account at the time. I want them to remove the fees. They need to re do the policy about overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/XXXX, my bank, XXXX, transferred from my savings account {$9600.00} to GreenSky. That is the full amount of my loan. Green Sky says they never received the money even though my bank has provided me - and thus them - the TR #, the transitioning number, and the trace number proving they were sent the money. I have talked numerous times with GreenSky on the phone explaining the situation. After three weeks I was finally given a Resolution team member to work on this. No results. Then I got her manager and she has not been returning my calls either.

Last week the resolution team member manager finally told that in early XXXX, GreenSky experienced an " internal banking error '' that resulted in payments across their company to not being properly credited. " All '' of their accounts are messed up. They can't seem to find a solution or know what exactly happened. Nor are they in any hurry to solve the problem and properly credit my account.

I was repeatedly told that it was my bank, BMO, that made the mistake and never sent the funds. Thus, I filed a CFPB complaint ( # XXXX ) against my bank when in fact I should have been filing this complaint against GreenSky last week. Since I now have transaction numbers, etc. to prove that XXXX sent the funds, it is GreenSky which has made the mistake, not been transparent about their " internal banking error '' of early XXXX, and has continued to deny the rightful resolution to this issue- the crediting of {$9600.00} to my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: NH

Complaint narrative:
the dates are wrong on this account dates of last payment should be XX/XX/2018 and not date absolute bought the account and balance is not correct, need account number and name of company for my research 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 2023-10-24 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: TX

Complaint narrative:
I Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires that are Fraudulent 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 2023-10-24 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 Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian inquires that are Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have received several call today ( XX/XX/23 ) to verify my identity with them so the can serve me papers. Would not tell me what kind of papers. I asked if they were a process server and if so, that's not what process servers do. I repeatedly asked her not to call me and end the calls. The rep ( XXXX XXXX ) continued to call back and then left a message stating that they would 'serve ' me and would also come to my job if I didn't return the call. I advised XXXX XXXX to mail me what she had ; she refused but told me to call XXXX. 

Additional Phone Number used : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: Financial Network Recovery Inc
State: CA

Complaint narrative:
I asked them to remove this from my credit account. I have no obligation of {$2700.00} to Financial Network Reco.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barkley bank priceline. Be careful when authorization of payments on the computer. This bank only uses one window when you make a payment. Most have a confirmation window! If you answer their E mail about payment & happen to put a dollar amount in the payment box they will take as a confirmation! Then they do not change the next payment amount either. I even called one of their reps who had poor English to complain & got no results. All about money & not trying to work with the customer.

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 monetary relief
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I keep contacting Experian and letting them know they have the wrong information on my report. They dont answer the phone and never change the information. They changed the information before to the right address but then deleted that address and put an address on my report that was old and made that my current address. This has caused me not to be able to view my report on Experian 's website. I can view it on other reporting sites but not Experian. I have attached my report on other sites and you can see the address matches yet on Experian 's website they refuse to update the report to the right information causing me not to be able to view my report in real time. This kind of method Experian is using is causing me to not know what my score is and is stopping me from getting approved for loans.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank did not give me my new checking account promotion. 

I went into the bank with a promotion that provides {$400.00} for having XXXX direct deposits of XXXX dollars within 3 months of opening a checking account. I opened a new checking account with the bank on XX/XX/2023 at the Truist bank in XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX confirmed with me that this promotion was valid for me and he will apply it to my new account. 

I noticed after I had completed the requirements of the promotion, I did not receive any promotional funds added to my account after 3 months in XXXX. I contacted the Truist Bank XXXX and they told me that the promotion was never added to my account when I opened it. 

I then contacted XXXX XXXX and he told me that he did apply the promotion, but there was a glitch in the system that caused the promotion to not be applied. He told me he will follow up with the XXXX department. I proceeded to contact him XXXX additional times of the course of the next 2 months. The first time he said they are still reviewing the matter. The second time he said they declined it and he then told me he will follow up with them. The third time he told me that they are still investigating it after the follow up.

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 monetary relief