vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address 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 2023-05-26 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.71XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my deployments. I have recognized many fraudulent items opened in my name. The only XXXX XXXX account I had was my Auto Loan with them. 

The XXXX XXXX XXXX XXXX account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but Transunion has recently reported it as opened. It can not be a charge off and open 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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express does not treat their loyal customers fair. I have been a credit card holder with them since 2019. My bank return payment because no money was in my account. That's my fault. However, instead of just submitting the payment once, AMEX attempts to reissue payment requests two more times. Then they charge me {$29.00} Return Fee. First of all, they should not charge a return fee because it costs them nothing! And, they should stop after the first attempt fails. My other credit card charges no fees for this. I have been a credit card holder of XXXX XXXX less than 6 months and they treat me better than AMEX. They use to be understanding, but not anymore. My opinion, they are all about money and not customer centric! I have grown to hate AMEX. Because they treat their customers horribly! 
I request that they reverse the 3 return fee payments. And, they need to work on being more fair and helpful to their customers! They won't even let you go {$1.00} over your credit limit! 
Thanks. 
Best regards, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second and final complaint on the issue before I seek remedy in district court. 
see complaint # XXXX for reference

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 2023-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: Tebo Financial Services, Inc.
State: PA

Complaint narrative:
Name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, State Zip : XXXX P.a XXXX Email Address : XXXX 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the comsumer identifies information that resulted from the alleged identity thief, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATIONS!!!

Under 15 U.S Code 168b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: GA

Complaint narrative:
to whom may concern, i never opened a kickoff account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 2 FTC report with fraudulent accounts and fraudulent inquiries

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 2023-05-26 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This is part of the Wells Fargo claims. I refinanced my home mortgage with them in XXXX and paid the loan in XXXX. I do not believe it was reviewed with the other class action lawsuits because the loan was paid in full. I would like it to be reviewed as part of the settlement. I believe this because when I reached out to Wells Fargo to obtain the loan number last month they infomercial it would take two full months to get the number ( which is ridiculous because I can obtain my XXXX orders from two years ago in 15 seconds! ). If my loan information was so hidden I dont think they reviewed it.

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 2023-05-26 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: Kentucky Higher Education Assistance Authority
State: NC

Complaint narrative:
kheaa continues to post fraudulent activity on my account... i have no account with them and want it removed asap.. no investigation was done and i got no notifications

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I filed a combined complaint, dispute and information request letter to XXXX XXXX XXXX with the CFPB. This firm is subject to the FDCPA and according to their website they offer these services. The attorney who responded blatantly made several misrepresentations, failed to provide the facts and was extremely dishonest. Their actions diminishes the public 's confidence in the court system and attorneys at large. 

My formal complaint and reply to this company 's response is attached hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, XXXX protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by EQUIFAX , INC . I've tried countless times in the private via certified mail to get EQUIFAX, XXXX to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( Account Name and Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that 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.

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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-05-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
Ford Motor Company Reported a 30-day late on my Credit Report in XX/XX/2019. I was XXXX to XXXX as a XXXX during this time. I have communicated with the Credit Agencies and Ford to remove this negative report to no avail. According to the SCRA " Service Members Credit Relief Act '' I should be protected from this reporting while in service of our country. I would appreciate your helping me remove this negative credit reporting, please. The account has been otherwise up to date and since closed. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I have attached my XXXX history for this period establishing my XXXX during XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
My home is financed with PHH Mortgage. In XXXX, I inquired about having the PMI removed. The current financed amount on the home is $ XXXX. The house if conservatively valued at $ XXXX, well over the 80 % threshold. In response to my inquiry, PHH instructed me to fill out a form along with a check for {$100.00}. I responded shortly afterwards with both by mail. 

After 6 weeks or so, I called PHH to get an update on the process. I was then told that the fee had changed from {$100.00} to {$150.00}, and I needed to send an additional {$45.00} to get the appraisal. 

My specific complaint is that when a bank discloses a fee, they can not change their mind midway though the process. This feels like a predatory lending practice, or possible a TILA or UDAAP violation. Please review my complaint and contact me with any questions or comments. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My credit report was accessed without my permission. Bank was instructed to run credit report only once at starting of credit. Credit was accessed and decisions was made to close account without my permission.

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 2023-05-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Didn't receive terms that were advertised On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website https : //www.ally.com/getpaidWe Here are the basics of the promotion. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} of New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX If youve followed the eligibility requirements, we will pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. 
So according to the terms, 1. I opened a new Money Market account on XX/XX/XXXX using the offer code 'getpaid ' on ally bank website. 2. I transferred {$10000.00} into my new Money Market account on XX/XX/XXXX. 3. I kept the {$10000.00} through XX/XX/XXXX. I did not receive my {$500.00} bonus on XX/XX/XXXX. I still have my Ally Money Market account open. 
Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus but I didn't get the bonus as promised on XX/XX/XXXX. I contacted Ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7 business days to investigate. But I still didn't see the bonus after 7 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than XXXX people having this issue and they don't know when my case will be reviewed or how long it would take to resolve. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received my bonus.

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$5200.00} ; I asked when the check will clear and was told by the teller funds would be available on XX/XX/XXXX @ XXXX. I received an email on XX/XX/XXXX stating that funds wouldn't be available until XX/XX/XXXX. I called customer service ( 3 ) times requesting the hold on the funds be released ; the first person responded with a wise statement, " maybe you should use direct deposit next time. '' The next representative made a XXXX available for me ; he refused to release the funds due to the clearinghouse needing more time. He also insinuated that the check might have been tampered with, and/or activity in my checking account was usual as reasons why the funds were on hold.

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