vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/, I made my final payment on my auto loan with PenFed Credit Union for my car loan. The bank has not provided the car title documents for my car. I called customer service and they claim to have sent the documents, but do not have a tracking number or any evidence that they sent the documents. I have requested the bank to agree to reimburse me for any fees that I would have to pay to obtain a copy of the title, but the bank has refused to make that commitment. 

In summary, the bank is not taking any responsibility for ensuring the title documents are provided to me or any of the fees that may be required.

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 2024-01-26 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: TX

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 and it also states consumer recording agency can not furnish account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open 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 2024-01-26 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: TX

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 and it also states consumer recording agency can not furnish account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: GA

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX, GA 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 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 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 explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I made a payment of {$50000.00} in XXXX XXXX XXXX to take care mortgage balance, which they didn't apply till XXXX  They commenced to foreclosure on XX/XX/XXXX. I then sent another payment of {$57000.00} on XX/XX/XXXX. They they returned a copy of my check, not the original stating it has been destroyed. They stated reason for return was the amount was insufficient to cure default. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asset-Backed Pass-Through Certificates Series 2004-WHQ1 summoned me to court to petition in unlawful detainer. I went to courts for months pleading my case. Shortly after receiving email that my {$50000.00} finally applied to my account on XX/XX/XXXX, XXXX XXXX dismissed the case. Now here we are in XXXX XXXX XXXX some unknown Person has a courtorder to XXXX XXXX XXXX XXXX XXXX from my property. There has to be some type of fraud taking place in these matters. There's no way i should've been forclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
Reporting agencies are reporting a charge off on my report. Which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Also I the consumer never authorized any credit reporting agencies to report on this consumer report, which is a violation of The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: GA

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 XXXX Bankruptcy Account XXXX : XXXX has violated my rights. Or 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 2024-01-27 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: 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  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address a matter of utmost importance regarding the inaccurate and misleading information found on my credit report. This letter serves as my third attempt via CFPB to rectify the situation, as my previous correspondence did not yield a satisfactory resolution.

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 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Purchases were made at XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX United States A credit card was opened to get the 12-18 months interest free on purchases made along with a {$75.00} statement credit for opening up a new account. After numerous attempts the interest free promotion has yet to be applied to my account. I have spoken to the manager of the store on two occasions and was told they contacted Synchrony about updating my account to show the promotional balance. I called Synchrony to confirm the purchases made were switched over to promotional balances. I was told that my promotional balances were switched over and would show up correctly on my next statement. That statement was issues on XX/XX/24. Promotional balances are still not reflected. I am being charged 29.99 % interest and I was incorrectly charged {$190.00} in interest on my previous payment of {$270.00}. My phone calls should be on record, the notes on my account will reflect the previous attempts to make the purchases show as advertised in the store listed above. The staff at this location made it known that this promotion would reflect upon opening my account. To date all the communication has either been a lie knowingly or unknowingly by XXXX XXXX XXXX  and/or representatives at Synchrony. The balances need to reflect the promotional balance immediately and a credit for the interest charges credited to my 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 monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: OH

Complaint narrative:
I made multiple purchases to Klarna. I ended up getting sick, and did not pay the balance. It unfortunately, happens when I am ill, but I have every intention on paying the balance.In XXXX of 2022 I took out a loan, to pay off all my debt. I didnt write down anything. Or save anything showing I paid it. Nor the collections agency provide me any information that it was paid. Except it is not on my credit report. When I go to Klarna to check the balance, it was never the same and account numbers provided do not match up with anything. I been waiting for said payment statements to show up, and I just feel like I am getting taken advantage of. I believe I paid it, but I can not confirm it on my end, because there are multiple payments ( partial payments ). So I am at a loss. I would like to use the service, because it is helpful when I want to take trips. This is just so unfortunate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the equifax data breach 1. my name is wrong or exaggerated under all 3 bureaus.

2. there are erroneous mailing addresses ive never lived at.

3. there is a social under XXXX  ive never seen 4. there is a giant list of phone numbers that have never belonged to me. 

there are SEVERAL THOUSAND dollars that i never authorized nor signed to open accounts with : I am not liable for these debts with XXXX. I do not have a contract with XXXX. They did not provide me with the contract as requested for the following XXXX. XXXX acct XXXX with {$6500.00} in unauthorized charges US CODE 1681 I am not liable for these debts with XXXX XXXX XXXX. they do not have a contract with me as i have requested they provide for the following : XXXX. XXXX XXXX  acct XXXX {$5800.00} in unauthorized charges US CODE 1681 i am not liable for these debts with 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} in unauthorized charges My information was compromised in the equifax data breach XXXX claim number XXXX XXXX  and several of my accounts were sold illegally, and unauthorized charged were charged on my accounts. And my information has been confirmed as being on the dark web thank you for your assistance in this matter as well as your time and patience

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
XXXX XXXX  obtained a mortgage. Closing disclosure had me for an excessive amount of property tax. I was told with it being a new build I would go to the tax office and get numbers updated and submit to them. Did this No change. They keep assessing XXXX taxes {$4000.00} above what they should be. For XXXX they sent me a XXXX XXXX refund check. I asked them to adjust my escrow and they still haven't done. I was even recently told after my 50th call since XX/XX/XXXX that they had to let it go through a full cycle. Meaning it would have to be a full tax year in the house. That's been done and now as of XXXX XXXX  they are continuing to put my property taxes in excess of {$6100.00}, even though the bill they paid was around {$2800.00} this year and XXXX for XXXX year. I have tried talking to everyone I could no success. This is causing stress and alot of time and money as next steps are legal action. I just need them to adjust my escrow to the right property tax amount. With them being a lender they are illegally taking my money which is helping them finance home loans so I'm basically a lender it's illegal and it has to stop. I feel this is apart of thjer strategy to get consumers to help them with loans, collectively {$6000.00} is impactful. I've called, sent over tax assessments reflecting right amount, requested property taxes be removed from my escrow. Every employee confir.s they can see that it's wrong but resolution is beyond them. I want my money back. Theyvare borrowing money from me monthly. I want interest on my money that I'm losing not having it in savings.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX  a scammer made an UNAUTHORIZED withdrawal of {$2500.00} from my checking account after accessing my information without my consent. Today, I got a message from the company claiming the purchase was authorized. THE PURCHASE WAS NOT AUTHORIZED. Their representative XXXX failed to explain anything. This is unprofessional and unacceptable.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
I suddenly became unemployed. No income. I called the company advised them. Was at first nice a s helped push back due dates. I called XXXX to resolve the. Debt and was told my card was permanently closed. I looked threw ALL emails and fortivas website messages as well as paper m ail. Never did. I receive any correspondence saying if I didn't make a payment or bring the account current that they were going to close my account. I spoke to somebody on the XXXX XXXX XXXX  and I said I want to see the Terms & Conditions that I sign. And he sent me a generic credit card. 
Terms and conditions. I called again today to see you. If we could come to a resolution where my car wouldn't be closed. I would pay the full balance and they said no. They were rude and I believe this company was a scam. Add this card for all about a year. Never missed a payment never was late. I believe when I was late. It was like do it midnight. And I think I made the payment. It like XXXX XXXX  I asked to speak to somebody that can help me. We can come to a resolution and I would pay the balance off in full that day. I don't feel I was treated the way a company or anybody should treat other people. 
Hard ships happen to everybody. I didn't wan na be one of the people that. Oh, my credit cards close forget it. I won't pay it or the user credit card never paid that it was nevermind intention and they did not want to help in anyway at all again. I looked through all correspondence from this company when was never told if I don't make a payment by x amount date. Your card will be closed. This company is a scam. 
Add 3 other credit cards. And all three companies worked with me because of the hardship at the time. When I became unemployed because XXXX XXXX XXXX I called I spoke with somebody and they said. Don't worry, we'll work with you until you get back on your feet. 
They never called me back. So I assumed they put like the credit protection or pause on my account. Fill that I was able to get back on my feet and then bring the account current. 
I've tried to talk to several people at the company to come to a resolution. And they did not wan na work with me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 explanation
Consumer complaint received 2024-01-26 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: PA

Complaint narrative:
I am writing to address a matter of utmost importance regarding the inaccurate and misleading information found on my credit report. This letter serves as my third attempt via CFPB to rectify the situation, as my previous correspondence did not yield a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: PA

Complaint narrative:
I am writing to address a matter of utmost importance regarding the inaccurate and misleading information found on my credit report. This letter serves as my third attempt via CFPB to rectify the situation, as my previous correspondence did not yield a satisfactory resolution.

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