vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX, DES Child Support Enforc. Account # 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 a 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 2023-05-24 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX DES Child Support Enforc. Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I financed a XXXX XXXX XXXX through the company Westlake Financial Services. I was told By XXXX XXXX XXXX after I gave them a down deposit of XXXX to tell the Westlake that I am already driving the car on XX/XX/XXXX but I did not pick up the car and actually drive it till XX/XX/XXXX. My car payment was set for XX/XX/XXXX, I made a partial payment of XXXX on XX/XX/XXXX. I later received a call from Westlake regarding my balance and explained to them I will be able to make the rest of the payment on XX/XX/XXXX. I was told that would be okay and they will just call me again to make sure. On XX/XX/XXXX, I received a phone call from XXXX XXXX telling me they will pay the other half of the bill but I have to come down now to resolve the issue. I get to the auto company and they show me a letter sent via email stating Westlake would like for them to buy they car back and XXXX pressured me to leave the car on their lot and take all of my belongings. On my contract it does not state a grace period and it does not state what it is considered a miss payment.

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 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2023, my account was charged twice by a company called XXXX without my authorization, once for {$1.00} and once for {$59.00}. On XX/XX/XXXX, I promptly filed two disputes regarding these charges. The first dispute was for the {$1.00} charge, and I received a swift reimbursement. However, the second dispute was for the {$59.00} charge, and unfortunately, it led to the closure of my card due to suspected fraud. Although I received a replacement card, I have observed that the fraudulent charge still remains on my account balance.

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 2023-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Date : XX/XX/2023 Amounts at issue : Approx {$1500.00} My daughter has 3 college loans financed through Citizen 's Bank. 
Serviced by XXXX I have been paying off the loans for XXXX years. 
I issue checks to XXXX with the loan # s on the checks. 
XXXX credits the entire check to XXXX loans -- beyond payments due -- and not to the XXXX loan which says there are overdue payments. 
Loans # s are : XXXX XXXX XXXX. All under : Account # : XXXX. 
Payments are credited to " XXXX '' and " XXXX '' but not to " XXXX '', which says payments due ( but unpaid ) on XXXX. XXXX. The other 2 loans say next payment is due in XXXX, rather than XXXX, because the money sent is not allocated to the 3rd loan. 
I can not tell whether I'm being charged extra interest or penalties ( or anything for that matter ) by reason of the misallocation but I assume I'm not being properly charged. 
Citizens and XXXX call every 2 or 3 weeks to ask for payment ( obviously, on loan # 3 ). I explain that they have payment, but that they are being misapplied. 
My name is not on the loans. So, they won't speak to me. However, despite their silence policy, they are happy to take my money ( for years ) and to mis-apply it. 
They have spoken to my spouse, and my daughter ( for whom the loans are issued ), and they have also explained the problem. 
I told Citizen 's Bank ( when they called me about 3 days ago ) that I would file a complaint, formally, and that I had discussed the problem multiple times -- and sent e-mails. 
I see that Citizen 's Bank was recently fined {$9.00} XXXX by the XXXX. For failing to properly process credit card disputes. My problem doesn't involve credit cards, but it involves disputes regarding student loans. 
My name is XXXX XXXX. Email is XXXX. Tel XXXX. I live in CT. Call / email anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TX

Complaint narrative:
Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any 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 2023-05-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
PNC Bank purchased my mortgage effective XX/XX/2023. Bank has not sent any statements, just mail and spam to pressure me into automated payments or on line banking. First call to customer service, they verified that they will send a monthly statement via mail as was the case with XXXXXXXX XXXX, from whom they bought the mortgage. 

Call today first disconnected, then no one picked up. 

As far as I can see this institution is not living up to the terms of the loan as it was set in the original contract. 

PNC Bank XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a BMO account in XX/XX/XXXX. In XX/XX/XXXX I went to BMO to do a wire transfer. I paid the {$30.00} fee for the transfer. When I spoke to the company that was to receive my funds I found out that BMO did not put the transfer through. When I called BMO not one representative at the bank would speak to me. I was consistently referred to the Fraud Department. When I spoke with a XXXX in the Fraud Dept she informed me that my account was restricted due to deposits into my account not in my name. After discussing the situation XXXX explained that if I were to take the person to BMO with an ID they could receive the funds that came into my account in their name. That was not true. We went to BMO, as directed by XXXX, myself along with my friend and his ID. And being that no one was permitted in the bank due to COVID-19 we went to the drive-up teller. The tellers would not assist. We were told to go into the bank. Which was not a possibility since no one was permitted in any bank. I called XXXX back in Fraud. The conversation went in circles since she now claimed she did not tell us to do that. And that at this time my account was being turned over to legal. I received a letter from XXXX via USPS on XX/XX/XXXX telling me that my account was closed and any balance would be mailed to me. In XX/XX/XXXX my balance online showed {$19000.00}. On XX/XX/XXXX the balance online for my account disappeared and I can not get anyone to tell me what happened to my funds. Including the amount, I deposited for the initial wire transfer of {$9500.00}. The letter I received telling me I would receive any balance in the account once closed never happened. At this time I can get no assistance from anyone at BMO.

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 2023-05-24 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have my mortgage through Truist Bank. Again, this year, they are trying to take escrow out for my flood insurance, just like last year, when my flood insurance is paid for by my HOA. This was discuss last year and the same thing the bank is trying to do is to increase my escrow for the flood insurance - even though I have provided to the bank the paid policy that is in effect from XXXX of XXXX through XXXX of XXXX. They do not want to even look at my account - that in the past years, they have never taken out for escrow with my flood insurance since it is through my HOA. 
I believe that this borders on harassment since every year I have to go through the same argument with them. The departments at Truist Bank show be reprimanded for continual avoidance of the facts that I have presented above.

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 2023-05-24 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX 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 2023-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. XXXX Dept this account open XX/XX/XXXX, paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
3. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX XXXX opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my student loan but paid off. 
4.XXXX XXXXXXXX XXXX This account was not mine fraudulent

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 2023-05-24 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: NV

Complaint narrative:
Inaccurate Credit reporting, Violating my rights as well as violating codes 15 U.S code 1681i ( 5 ) 15 U.S code 1681e ( b ) 15 U.S code 1692j 15 U.S code 1692d 15 U.S code 1681 15 U.S 1681I ( 5 ) ( B ) ( ii ) ( iii ) Acct Name : XXXX XXXX Acct # XXXX ( Violation of Reinsertion of Debt ) Inaccurate Reporting Twice on credit report. 

Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # 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 2023-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I initiated a transfer of {$250000.00} from Apple Savings ( through Goldman Sachs ) on XX/XX/2023. The app indicates that it typically takes 1-3 business days to complete ; however, when I called on Friday ( XX/XX/2023 ), I was told that it could take up to 5 business days and that I had no choice but to wait until Monday ( XX/XX/2023 ). I called again on at the end of business on Monday ( XX/XX/2023 ) after still not have received the funds, and this time, I was told I needed to verify my information for them to process. I then did that and was told it would take 1-3 business days. i called again on Wednesday ( XX/XX/2023 ) and have now been told the transfer is still under review. 

What is particularly frustrating is that no one seems to have any power to do anything. That is the response from supervisors and specialty operators.

Company response to consumer: Closed with explanation