vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Consumer Financial Services
State: WI

Complaint narrative:
I purchased a car on XX/XX/2023 from XXXX XXXX XXXX sales in XXXX IL while there they told me that I was required to buy a motor club membership in order to get the loan. I told them I was not interested and they said that " you will be denied credit if you do not purchase the membership and it's only XXXX $ a month anyway so you will barely even notice the difference in your monthly payment '' They told me the bank requires it. I was talking to a former car salesman and he told me that was payment packing and that I need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as two XXXX  XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 non-monetary relief
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as two XXXX  XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
The bank did not provide any notice about an increase in my escrow amount and I was hit with a late payment fee because they do not have any sort of automatic bill pay besides having my own bank send a scheduled paper ( like ACH doesnt exist ) check. They apparently do have a way in which you can have them pull the payment each month but they have to mail you a paper form and it will not automatically increase the amount if the monthly payment goes up, say due to increased escrow amounts or fees Unfortunately we can't choose our mortgage servicer but they are by far the worst I have ever dealt with

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue XXXX  action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion XXXX  breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments 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 non-monetary relief
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dates of XXXX. XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX. 15 USC 1602 ( I ) I tried applying credit and got denied for my own credit and XXXX Bank accepted my ss # and used my credit application for credit account still didnt get it but company reported to EXPERIAN usage of a XXXX XXXX my credit wanted all XXXX XXXX XXXX removed made dispute them EXPERIAN and XXXX bank they told me to call them back when get file back XXXX  I want them to be liable for information and infringement on my credit And I want XXXX XXXXXXXX and XXXX XXXX held Fair Credit Reporting Act ( FCRA ) and Equal credit Opportunity Act ( ECOA ) just want removal from off from credit

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 2024-02-21 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
First, I have previously reported a portion of this issue to CFPB. This is a follow up from what happened since then.Refer to complaint # XXXX. 
As you will see from a review of the record mentioned above, I erroneously sent XXXX to Citibank in early XX/XX/2023. Upon recognizing my mistake I called Citibank for a refund of the XXXX balance on my account- XXXX. They informed me that it would take XXXX weeks. Subsequent to many calls to them and a complaint to you, ( I can provide names and dates of representatives I spoke with throughout this process ) they mailed me a check on XX/XX/XXXX, which I received and deposited into my checking account on the same day - XX/XX/2023. Contrary to my request, they mailed the check instead of direct deposit to my checking account, which they said they could not do. 
Subsequently Citibank, for an unexplained reason, on XX/XX/2023 stopped payment on the check they sent me. XXXX representative said it was because I had requested direct deposit. However, they again needed to investigate whether or not I was entitled to the refund. So it would take even longer to get my money back. The investigation wasn't initiated until I called and informed them of the returned check on XX/XX/2023, when I became aware of the problem. Ultimately Citibank did refund my money on XX/XX/XXXX. They did so by depositing the funds directly into my XXXX account, which they repeatedly said they could not do. 
I speculate that XXXX staff person in particular, who got very argumentative and actually hung up on me, retaliated because of my complaint to you. I believe that conversation took place on or about XX/XX/2023. 
I write now to inform you of this debacle. Hopefully the issue will reach some level of Citibank that can ensure this doesn't happen to someone else. I see no reason why the refund of this money took nearly XXXX weeks to occur. When I need to make a payment, I can have funds transferred immediately. Why is it different for Citibank? 
Lastly, I have delayed this complaint until I felt safe that Citibank could take no further action against me, and I do not intend to do business with them again.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Formal Debt Dispute : Complaint against XXXX for over charging my mortgage account and ruining credit report - LOAN # : XXXX ( Serviced by XXXX ) We are previous XXXX XXXX  clients. In XX/XX/XXXX, XXXX took over our mortgage loan. We were paying principle {$1000.00} per month. ( 30 year fixed ) Our XXXX payment to XXXX XXXX was paid in XXXX and never transferred over to XXXX. Also, the property is a condo. The flood insurance certificate was sent to XXXX, for XXXX, and should have transferred. 

Suddenly, I and XXXX XXXX XXXX were reported as 30 days late to the credit reporting agencies. 

In addition, our condo association emailed a copy of the flood insurance policy to XXXX in XX/XX/XXXX, for XXXX. However, XXXX has been charging me {$1800.00} for insurance. XXXX confirmed that this would be rectified by the XXXX payment. This is still not fixed. 

We overpaid XXXX in XXXX ( to avoid being sent to collection ) and asked that the overpayment to be credited to XX/XX/XXXX. However, the overpayment still has not been credited. Moreover, we are still being over charged on the mortgage payment XXXX - XXXX = {$750.00} per month. 

XXXX is stating that they never received our flood insurance from XXXX XXXX for XXXX and we had an escrow. We were never aware of this situation as XXXX received copies of our flood insurance policies. We always submitted our flood insurance policies. We should not have an escrow balance from either mortgage company. XXXX received our flood insurance policies. 

( XXXX ) XXXX needs to correct my and XXXX XXXX credit report. ( 2 ) They owe one month ( overpayment ) to be credited to the account. ( 3 ) They need to correct the billing statements ( 4 ) They need to credit the XXXX and XXXX flood insurance and not charge an escrow from XXXX. ( XXXX ) They need to update the XXXX payment. I have a bank statement showing payment for XX/XX/XXXX. They are stating the payment is not paid.

I have been on the phone with the agents and two supervisors for XXXX months. However, this situation is still occurring and needs to be rectified. 

Thank you for your time in addressing this matter. 

Sincerely, 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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I got a text message saying I had a debt of XXXX dollars from the XXXX  XXXX I called the XXXX XXXX customer service and I was told my account was in good standing. They texted me a link to pay a balance some how some way they had my account number for my XXXX XXXX account number. I didnt not pay any amount since I was told by XXXX XXXX customer service that the debt collection amount is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I used a XXXX party Check system that uses a check XXXX process, when using this service with my bank the bank stated that the check deposited was counterfeit. The company ( XXXX  ) proved that the process that is held was not only an honest process but very compliant. The initial check deposit from them was for {$50000.00} and Truist placed a hold on that check also has placed a block on all of my personal and business funds that ive deposited that pre date that check deposit. I have reached out countless times expressing the volume of damage that Truist has done by withholding my business and personal funds in where I can not cover my basic expenses. I am given deadlines and time lines are not being fulfilled alongside this I am being told hat I must await for an " XXXX '' to reach out to me in regards to my claim with no other supporting dates. I have provided a plethora of information proving that there is no fraudulent activity that is on my account and I have baked with Truist for a sum of 8 months now with no error, claim, dispute, case, or block on my account at all. Truist continues to push me off and not clarify the reason of the hold and constant block of ALL of my funds even though it has been proven that the 3rd party system and the check used was in fact not counterfeit. Truist is now stating they are investigating as whether to release MY funds that rightfully belong to me as no other parties are or have contested that these funds belong to them. I was also informed when visiting the home branch that the initial operations manager did not like me and that she also verbatim tried it in regards to not even letting obtain capital from my own account in which I have had problems with my account since by being discriminated ( I have recordings and also photo screen shots of correspondence with lead bankers of this operations manager stating to not personally like me due to m being young, XXXX XXXX, and running a business ) and also not having adequate responses on as to my funds that pre date this check are not released. Supporting information has been provided in regards to every single merchant deposit that was not cash into our account also a thorough break down of how our services work with proof of communication to all customers that we have received large payments from.

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 2024-02-21 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: AZ

Complaint narrative:
According to XXXX, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
This collection agency is harassing and calling me, in addition they are sending me letters. They also are reporting this as a new debt damaging my credit when it should not be reported at all. As stated in law : " XXXX agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. They should also all be discharged on the same date XXXX years after the original open date ''. This collection agency has done just that and I now have to dispute the information with all 3 credit reporting agencies which is taking time out of my day, it is damaging my credit score and potentially effecting me financially causing undue harm.

Company response to consumer: Closed with explanation