vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
We realized we didn't have our cards early XXXX, and I called to report them missing and fraudulent activity on XX/XX/XXXX. All of the charges happened on XX/XX/XXXX, XXXX, and XXXX at XXXX XXXX XXXX for {$1500.00}. When I googled the store # associated with the charges they give stores in Oregon. My account balance should be {$0.00} as I had activated the cards but never used them. My wife was issued a new card ( the charges were on her card ), but merely froze mine. They also didn't report the charges as fraudulent ( {$1500.00} ) and was told today that I needed to make a minimum payment on XX/XX/XXXX. They haven't removed the charges, notes weren't properly made in their system, and they're trying to make me pay for 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 2023-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
They called me initially on XX/XX/XXXX stating that I owe {$500.00} to XXXX XXXXXXXX ( an apartment complex ) and then they sent me a notice by email. When they had called me I asked for an explanation of the charges and they could not tell me what the charges were for and said they would look into it for me and get back to me. I followed up with them XX/XX/XXXX and they said I owed them more than the {$500.00} because they charge interest on debts. I again asked for an explanation of the charges to be sent to me along with an explanation of how the interest was being charged and they said they could not send me a statement with that information - that they would have to request for a statement detailing what the debt was for and how the interest was being calculated. I have filed a complaint with the XXXX  and all I have gotten from the debt collector ( Hunter Warfield ) out of that was them sending me the original statement that doesn't detail an explanation of the charges or how interested is being calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: MI

Complaint narrative:
I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).

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 2023-08-29 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: MI

Complaint narrative:
I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
I am writing to formally notify Equifax regarding the presence of inaccurate and unverified information on the consumer report of XXXX XXXX XXXX, identified by Report XXXX : XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to her financial standing and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: WI

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I hope this message finds you well. I am writing to seek your assistance in resolving an ongoing issue regarding the issuance of the title for my XXXX XXXX, which was paid off on XX/XX/XXXX. Unfortunately, my car was involved in an accident and deemed totaled on XX/XX/XXXX. In order to process the insurance claim, my insurance company requires the title for the vehicle. 

I have been in contact with Hyundai ( Kia ) Finance on numerous occasions to request the title transfer, and I regret to inform you that despite my persistent efforts, I have not received the necessary documentation. I have made calls to Hyundai ( Kia ) Finance on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each of these interactions, I have been assured that my title was mailed to me ; however, to date, I have not received it. 

Furthermore, I have encountered discrepancies in the information provided by XXXX ( XXXX ) XXXX regarding the date of mailing and the estimated time for receipt. For instance, during my call on XX/XX/XXXX, I was informed that the title was expedited and sent on XX/XX/XXXX, with an expected delivery time of 10 business days. However, when I called on XX/XX/XXXX, I was told that the title was actually mailed on XX/XX/XXXX and that it could take an additional XXXX weeks to arrive. 

This situation has left me without a vehicle since the beginning of this year, as my insurance company is unable to process the claim without the title. I am facing significant inconvenience and financial strain due to the extended delay in receiving the title and the subsequent inability to settle the insurance claim. 

I kindly request your intervention in expediting the process of issuing the title for my XXXX XXXX. Your assistance in resolving this matter promptly would greatly alleviate the difficulties I have been facing. I understand that administrative processes can sometimes encounter unforeseen challenges, but given the prolonged nature of this issue, I am hopeful that your intervention can help expedite the resolution. 

I am more than willing to provide any necessary documentation or information to facilitate the resolution of this matter. Please feel free to reach out to me at XXXX or via email at XXXX. 

Thank you very much for your attention to this matter. I eagerly await your response and hope for a swift resolution. 

Sincerely, 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 2023-08-29 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:
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 XXXX XXXX XXXX. 

XXXX XXXX # XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX # XXXX 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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:
I received an adverse action from XXXX XXXX XXXX  stating that XXXX XXXX XXXX provided on my person I have no contract with them and would love to receive compensation before I sue them for violation of 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OR

Complaint narrative:
My loan was originally given to XXXX! I called yesterday, and they said my account was transferred to " Ed Financial Services. I have NEVER, YET TO RECEIVE A CALL OR A LETTER FROM THEM!!!! I am unable to create an account on their website, since it does not recognize my name, DOB or SS #! I'm calling their number XXXX. I HAVE BEEN ON HOLD FOR ONE HOUR NOW!!!! They have really bad ratings! Nothing good on their website to say about them!! I need them to be reported please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I bank with Wells Fargo. On XX/XX/XXXX, I had two posted transactions, a XXXX deposit from XXXX, and a XXXX charge from XXXX. My ending balance on XX/XX/XXXX was XXXX, meaning that my ending balance on XX/XX/XXXX was XXXX. On XX/XX/XXXX, a transaction for XXXX and a transaction for XXXX were both posted by XXXX, however they were pending transactions that were not authorized until XX/XX/XXXX, putting my account at a deficit of XXXX on XX/XX/XXXX. However, I received a deposit of XXXX, putting my account at a positive of XXXX, which was then used at XXXX, putting my account at exactly XXXX, with no overdraft end items. I am positive that there were no overdraft end items, as the posted overdraft at the end of XX/XX/XXXX was XXXX, and my account balance was XXXX. On XX/XX/XXXX, I had called Wells Fargo, who told me that the charges by XXXX were authorized and posted on the XXXX, which my own bank statement shows is wrong. 

Furthermore, Wells Fargo has an Extra Grace Day policy, that they will first notice the account owner about an overdraft end account, in which they get an extra business day until midnight to restore the account to a positive balance. I had received a notice on XX/XX/XXXX that I had overdrafted on Friday, however when checking my account I was in the net positive.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was scammed by a ticket broker and charged {$200.00} per ticket for XXXX tickets that have a face value of {$29.00}. Attached is the dispute letter we sent to Capital One, which details the events and circumstances of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A Courier service called stating that legal action was placed against me and that if I needed more info to call a certain number XXXX. I was also provided case # XXXX. When I called the number a person answered the phone by the name of XXXX XXXX and stated that I had an unpaid debt from Wachovia 8 years ago and it would need to be paid before signing legal paperwork that was to be sent to me. If signed then I would need to go through the court system. I informed the caller that I would call back regarding the debt and he provided his personal number at XXXX. After checking my bank information as well as knowing that Wachovia was sold in XXXX. I realized I had been with another bank since 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 2023-08-29 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: MI

Complaint narrative:
I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. 
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. 
Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. 
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. 
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number. 

I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. 

Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to help.

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 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
BBB On XX/XX/XXXX I spoke to XXXX XXXX with Chase Home Finance about refinancing my home loan with the purpose of removing another individual on my current loan. During our discussion XXXX XXXX stated that a deposit of {$500.00} would be necessary to cover refinance and appraisal costs. I agreed to the fee. After a week of working with several financial advisors and title broker, XXXX XXXX, I was told that I would not be able to refinance unless I located the individual on my loan. After numerous calls the XXXX XXXX, the XXXX XXXX, and myself could not reach the individual on my account/loan so I was not able to complete the refinance. On XX/XX/XXXX I emailed XXXX XXXX reference a refund of my {$500.00} because I was unable to complete the refinance. On XX/XX/XXXX I spoke to XXXX XXXX Sheets, Chase XXXX about a refund of my money. I was told that I would be notified on XX/XX/XXXX, XXXX and XXXX XXXX about the status of my deposit. I have not received a status on the refund of my deposit as of XX/XX/XXXX. Chase did not provide any services for me related to the refinance because the refinance process was not completed. I feel that I should be entitled to my deposit which was paid with the understanding that the money was to be used for closing and title issues for the refinance which did not occur. On XXXX XX/XX/XXXX I was told that my deposit would not be refunded.

Company response to consumer: Closed with explanation