vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
My husband died on XXXX XXXX, XXXX. He had a lockbox with XXXX bank which he had put into his corp.s name XXXX They have asked for proof that he was the only share holder of the company. I have provided federal tax returns, state corp. license , corp. resolution ( written by my attorney ), etc. They are still saying that this is not enough. 
I have been fighting with them for 5 months. Each time I go to XXXX I usually have to get a room which adds to the cost. Never mind gas and time involved. 
I am hoping that my husbands contract for his company is in the lockbox. I am ready to sell it and move on with my life. Without the contract I can not move for ward. 
Please help me,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Complaint filed through this page. The XXXX XXXX XXXX accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 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 2023-03-29 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I had a credit line tied to a checking account at Banco Popular de Puerto Rico to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and XXXX reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and XXXX without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by Banco Popular is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. XXXX has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: IA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 explanation
Consumer complaint received 2023-03-29 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: IA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
In XX/XX/XXXX, when Covid hit, we found ourselves in a tough situation just like everyone else did during that time. To begin with we were on our last payment of a modification for {$1900.00} but due to my husband losing his job because of Covid. We decided to keep the last payment. The reason we kept the money was because my husbands unemployment check did not come in. He applied for unemployment in XX/XX/XXXX and did not receive any unemployment check until XX/XX/XXXX. I receive XXXX. We really did not have any money. So, we decided to keep the money. The Freedom mortgage company put us on a forbearance program. We put in a new application for a modification we kept handing in the necessary paperwork for a year. Then they said we did not qualify because my husband was on unemployment. In XX/XX/XXXX, my husband went back to work so we could qualify. Then we qualified. In XX/XX/XXXX we were approved for {$1900.00}, and we accepted the offer. In XX/XX/XXXX, we sent out the signed, dated, and notarized paperwork. We started making payments in XX/XX/XXXX for XXXX. Then in XXXX, they let us know that there was one page in the paperwork that was not dated. So, we told them to send out the paperwork back so we could fix the problem. We kept making payments of XXXX every month. XXXX of XXXX, we received another modification which we did not ask for {$2300.00} that we did not accept because that payment was too high. I called the Mortgage company to see if they could honor the previous modification. We kept making payments until XXXX of XXXX when they decided not to accept payments of XXXX anymore. Then we received another modification in XXXX of XXXX for {$2400.00}. My husband went back to work in XX/XX/XXXX and got hurt on the job in XX/XX/XXXX. My husband right now is going on his fifth operation and is on workers ' comp. We could only afford to pay the XXXX that we originally agreed to. Can you please help us?

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 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
I am a XXXX XXXX  veteran. Mosaic 's partner ( XXXX XXXX XXXX XXXX closed their doors and disappeared before the solar installation on my home was completed. according to Mosaics email ( attached ) dated XXXX XX/XX/XXXX they were responsible to verify installation so that we can forward payment to the installer for their work. If Mosaic  had actually completed step # XXXX, like they stated, I wouldnt be on the hook for {$67000.00}. I believe that Mosaic should have confirmed the work being completed before they paid out the full sum of the loan. Example : no one pays a homebuilder the full sum, up front. The disbursement is paid to the contractor based on work completion and material costs. I understood that Mosaic was to make loan disbursements to XXXX XXXX based upon completion or status of the work that has been completed. Instead, Mosaic disbursed the full {$67000.00} to the installer prematurely before the installation was complete. As well, this money being disbursed prior to completion triggered my monthly installment to Mosaic to begin. These payments should not have begun until after my solar system was up and operational. I made my XXXX  payment on XX/XX/XXXX on a system that is not working. In the loan agreement, page XXXX, reads : " in order for us to make disbursements on your behalf, we may require you to confirm that installation contractor has satisfied certain conditions in the installation process. '' I did receive a message from Mosaic asking if the installation was complete and I noted it was not complete. XXXX scammed a lot of folks out of a lot of money but Mosaic 's failures are clear and cost me a lot of money. I have filed XXXX complaints with Mosaic and none of them got resolved. Mosaic has not delivered on their portion of the contract and I requestion XXXX of the following : XXXX. Fix my solar. I have attached a bid from a reputable, local solar installer. Costs to get my system up and running is {$17000.00}. 
XXXX. Cancel my loan and come get your equipment. 
I refuse to fill the pockets of the rich while I serve ramen to my family just to pay the bills. Mosaic should be ashamed of their immoral business practices and their inability to admit when they have made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Exeter Finance, LLC.
State: MS

Complaint narrative:
I have hard inquiries that dates back from XXXX, that i didnt authorize. No one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have hard inquiries that dates back from XXXX, that i didnt authorize. No one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXXXXXX XXXX account # XXXX and XXXX XXXX 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 15 U.S. Code 1681s2 - 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX  is a debt collection agency that on XXXX has taken action from AFFIRM, LLC the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted affirm back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with XXXX XXXX about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

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 2023-03-29 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX has put my account under review as per them I do not qualify for their account because I dont keep the balance of XXXX monthly limit. I tried closing my account they dont let me its still under review. They are holding my only source of income which is social security Benefits. I tried explaining to them that Im in need of my funds they telling me theres nothing they could do til the review its complete. But its been a month now and no update. Im in desperate need of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX requesting validation proof of the debt with signature from myself XXXX XXXX XXXX need to show validation of debt proof of signature as well as Equifax Credit Bureau or remove the debt from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
there are several accounts that should have been removed and I've tried several times they just keep showing up they are not mine and no-one does a thing about it and the dates change all the time and I can't get a credit report they keep refusing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I apply with Wells Fargo auto loan in 2013 in my interest rate it was super high. I struggle so hard to paid off the loan. I traded a card and the money that I was upside down transferred to the new loan. I heard Wells Fargo was having me settlement to the customers but I dont know if I qualify my loan was in 2013 with a high interest-rate

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 2023-03-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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