vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: GA

Complaint narrative:
I originally submitted a dispute with XXXX based on an inaccurate balance in a credit report requested on XXXX XXXX XXXX (attached as XXXX Report XXXX XXXX). On page 49 of this report, my total balance for one of my student loans with FedLoan was displaying as XXXX with a balance update date of XXXX. This amount was incorrect because I made a payment bringing my balance down on XXXX, which was not being reflected by XXXX while it was being reflected by FedLoan (proof of payment attached as XXXX  Payment XXXX. As of XXXX, my FedLoan balance on this loan sequence became XXXX. I have a letter confirming this from FedLoan (attached as XXXX XXXX XXXX Copy of XXXX letter.pdf). I filed a dispute Report XXXX with XXXX because of this discrepancy. Upon completion of the investigation, XXXX  correctly updated the balance of the loan sequence to XXXX on page 49 of my updated credit report (attached as XXXX Report XXXX). At the same time however, they added a comment on page 51 stating "Completed investigation of FCRA dispute - consumer disagrees." Based upon my Internet research, this appears to be a comment used when a customer disputes the reinvestigation of a dispute that is not in their outcome. This was never the case in this situation. As such, I believe the incorrect comment/compliance code was used in this situation and, unless correctly updated, is potentially disparaging of my character. On XXXX at approx. XXXX XXXX I spoke via phone with XXXX from XXXX. During the call, XXXX mentioned that the comment originated from FedLoan and there wasn't anything XXXX could do about it. He also mentioned that there is additional information in my credit report that I am unable to see as a consumer. I immediately followed up with FedLoan Servicing, and spoke with XXXX (employee ID XXXX) at approx. XXXX XXXX XXXX  mentioned that she could not see any correspondence regarding my account since XXXX XXXX XXXX and that the last action on my account was the payment I made on XXXX XXXX XXXX. She mentioned that there was no record of submitting the comment/compliance code in question to XXXX She mentioned that there was nothing more FedLoan Servicing could do and I would need to resolve this with XXXX. I also inquired whether XXXX  would be able to assist as my account transferred on XXXX, but I have been unable to reach XXXX  successfully due to systems not having my account information or excessive wait times to speak with a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Vehicle loan or lease — Loan
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: NY

Complaint narrative:
XXXX - I originally owned and was financing a XXXX purchased in XXXX XXXX. 
XXXX - moved to XXXX  and traded in my XXXX for a XXXX XXXX XXXX XXXX. Also finance. 
XXXX - moved back to XXXX XXXX and attempted to change my registration to get XXXX  plates. 
From XX/XX/XXXX until now, XX/XX/XXXX, I have made many many phone calls to XXXX trying to resolve the issue and get my title released to change my plates. I keep getting the workaround of waiting a week, 2 weeks, etc., even after speaking to managers. Some people at the company have said they sent the title to my address. Others in the very same day would tell me the title was never printed yet and to give them another week. Just lies and the same workaround. I was also told my title was sent to the XXXXDMV and to ask them about my title. I have been spending excessive amounts of money on tolls just because I cant change my plates to XXXX. I am also at risk if someone decides to stop me and check my registration since I should change my plates to XXXX  within 30 days of moving back. 
This is so infuriating and frustrating and Im tired of getting jerked around. I just want my XXXX title so I can change my plates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX TransUnion is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and Equifax XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX and Equifax have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, Equifax Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
paypal scam is to date your refunds 5 days later than the original date given by merchant refund now earning paypal more $ off your XXXX & interest, customer never? cause paypal tells custmer it banks fault & bank agrees with rebuttal whole time paypal redated money..they have cost me additional fees to my mortgage company because of this issue and that is a form of fraud .... that could have been avoided and they need to correct this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXXXXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXXHas violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: IN

Complaint narrative:
I was a XXXX  girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
With : XXXX XXXX XXXX XXXX, the Commercial Revolving Charge Card On XXXX XX/XX/XXXX I attempted to use the Online ( website ) portal to pay my outstanding Statement Balance. I have successfully completed payments towards my Credit Card in the past. The outstanding Statement Balance was {$17000.00}, the Website was active enough to permit me select Statement Balance, however when I clicked on Submit Payment it NEVER communicated Payment Successful or Complete. 

I then processed to use the Toll-Free phone number to complete my payment Home Depot Credit Services has the Software Algorithm configured wrong that it permitted the Automated Computer system to Duplicate the ACH electronic transfer of funds and not only zero out my Credit Card Balance but put the card into what they reflect as a negative value ( Over Payment ) of Over {>= $1,000,000} as of the XXXX XX/XX/XXXX. 

Home Depot Credit services does acknowledge this and lets the consumer request a refund but then provides me with the completely unacceptable approach as the solution Thank you for your message regarding your account. Your refund request will be processed on XX/XX/XXXX. Out policy is to have last payment made posted to account 10 days before issuing refund. You can expect your refund check in 7 to 10 days from XX/XX/XXXX to your business address. Thank you for being a valued customer. 

Not only should Home Depot Credit Services Payment Process not be configured to permit such a thing but to NOT USE ACH to return the acknowledged Duplication immediately is unacceptable from an approach of handling Consumers Money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX and XXXX have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY TransUnion Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Recently I was in touch with a potential buyer of a couch I was selling through XXXX XXXX. The scammer messaged me on my XXXX XXXX saying they wanted to buy the couch but said they needed my information first. After multiple conversations about the transaction, I received emails from XXXX, which ended up being a fake email account, that said I needed to send the buyer money so I could be reimbursed the money sent plus the money for the couch ( {$500.00} ). After sending the buyer {$1500.00} total, the account I was messaging was deleted and I did not receive any money back in return for the couch or from what I had sent them after many emails from XXXX saying that I would. I have been in touch with Wells Fargo about this but they have declined to give back any of the money after the investigation was completed. Wells Fargo did not ask for any information about the fake account or emails they just got my verbal explanation and claimed it was a consensual agreement to send the money which it was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I applied in store for an Arhaus credit card and an accompanying interest free promotional period. The in store representative told me that I would be making equal payments for the term of the loan. I was also told that I would be getting written disclosures in the mail from comenity bank ( the holder of this account ). 

Over the next several months, more than one of my statements was received after the due date of the payment. I had to call in to request the removal of late charges since I did not receive the statement in a timely manner. I also set up an on line account so that I could make my payments directly. 

My most recent statement for the payment due XX/XX/XXXX shows an interest charge billed of {$1800.00} and an interest rate of 29.99 %. When I called comenity bank for an explanation, I was told that my promotional period had expired ( I was never notified of this ). I was prepared to make the payment in full and requested an abatement of the interest charge, but the representative ( XXXX XXXX # XXXX ) refused. I explained to her that I never received the legally required disclosures and did not have a clear understanding of the terms of this interest free " loan ''. AND, none of this matched the information that I was given in store. 

I am prepared to pay the balance in full ( before the interest charges ) and request that comentiy bank be investigated for these loan sharking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24 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 XXXX - XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation