vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
On XX/XX/2022, I purchased a XXXX from Ford. Several months following the purchase I was contacted by Ford saying there was an error with the paperwork, and I owe an additional {$1300.00}. I requested something in writing which I received 73 days after the purchase of the vehicle. The additional funds paperwork does not match the original paperwork I signed and therefore violates Truth in Lending Laws. Furthermore, Ford has not registered the vehicle in my name and appears to be using the registration as blackmail to get additional money beyond the agreed upon price. As a result, as of XX/XX/2022, the vehicle still has not been registered and has exceeded the 60-day timeframe for a vehicle to be registered in the state of Pennsylvania. 
Below I have outlined the multiple attempts I have made to resolve with NO engagement, concern or interest from Ford who manufactured and financed the purchase. 

*Everything is included in attachment*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TN

Complaint narrative:
XXXX XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TN

Complaint narrative:
Experian XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help 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 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Currently, I pay {$XXXX} bi  weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi  weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto 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 2022-12-14 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: PA

Complaint narrative:
Currently, I pay {$XXXX} bi weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Currently, I pay {$XXXX} bi weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto 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 explanation
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XXXX I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information.

I also showed proof that this account was previously deleted and I provided the report # associated with this information.

They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.

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 2022-12-14 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: GA

Complaint narrative:
I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XXXX I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information.

I also showed proof that this account was previously deleted and I provided the report # associated with this information.

They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On Experian for this account there is no payment history for XX/XX/XXXX. The account was not closed until XX/XX/XXXX therefore there should be reporting payment history for XX/XX/XXXX. I want the account deleted because the reporting payment history is inaccurate and I took the facts directly from credit reports.

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
This is a youth checking account that converted to a regular checking upon the child turning XXXX. Mom is listed as an account holder still. Unauthorized account charges from XXXX have occurred. Usaa will not speak to the mom or child on the account and has not addressed the charges. Thus is due to not being able to authenticate the child who has limited info in XXXX XXXX and has issues accessing the site. Usaa refused tech support requests, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XXXX XXXX the job i did sent wiretransfer for {$1000.00}. I never got it so i called found out 1 number was wrongon the account. So they requested the money back, but chase bank wounld n't respond to them so i waited for over a month asking if they got any responce. they said no. So i went to bank and asked about it and they said the coud n't help. So then i went to another Chase Bank the Mgr. tried to help and found out that the money went to someone elses account. Even she said that sould not have happend. because of their rules If the Name & Numbers dont match then the funds should have automaticly got sent back. but it did not. After 2 weeks trying to get it back and getting permission from the person that took the money because chase said the couldnt do anything. She the Bank Mgr had to call the person and say they have the money by misstake and the person said that the bank could take it back. thats been 2 weeks and the bank Mgr and i talk almost every day said chase still has not taken the money back.It 's now been almost 4 months since i did the job and waiting to get paid.3 months since they sent money but i'm still waiting! I need help to get this resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Account was charged XX/XX/2022, for fraudulent transactions in the amounts of {$10.00} and {$2800.00}. We called to report the fraudulent charges. Citibank cancelled the card and issued a credit for the charges. However, when they transferred the balances on our old card to the new card, they added the XXXX charges ( {$10.00} and {$2800.00} ) to the new card. When I asked them why there was not a provisional credit for those amounts pending determination of the validity of the charge ( my understanding of the regulation ). 

They ( including a supervisor ) said that they do not make provisional credits. The only time there would be a credit would be if their investigation determined that the charge was fraudulent. Again, this is contrary to my understanding of the treatment of disputes and I told them I would be contacting CFPB.

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 2022-12-14 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-12-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GAXXXX Dear Consumer Center I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX  to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



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 2022-12-14 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: NV

Complaint narrative:
I never received items I purchased online. Merchant is unresponsive, order has never been shipped out. 

I placed an order on XXXX on XX/XX/2022 for XXXX XXXX XXXX  for a total of {$64.00}. After not receiving an order confirmation emailed, I emailed the merchant on their support email provided on their website. I got an automated unable to deliver email because the email they provided was fake. 

I waited and opened a dispute with my credit card company, Citi, on XX/XX/2022. On XX/XX/2022, the merchant replied to the credit card company with ONLY a receipt of my payment. They have never provided proof of shipment or delivery of the items I purchased. Even with this evidence, the credit card company, Citi, has sided with the merchant and closed my dispute. 

I have provided them with evidence I never received my items, the merchant provided a fake email address, the merchant never shipped out the goods, and my order is only showing as " processing '' on this day, XX/XX/2022. 

After some internet investigation, I have found this website to be FAKE! Many people have been scammed in the same fashion as me. They placed an order, made the payment, and never received the goods. This merchant website is XXXX but they operate under names such as " XXXX  '' and " XXXX XXXX. I have also provided evidence of this website engaging in scams in pictures I have attached. It is a link : XXXX XXXX XXXX  and the comments below the post is where everyone has been scammed like me. 

It is not fair that I found this website on XXXX, made a purchase, never received the goods, to dispute it with the Credit card company and they sided with the merchant even though the merchant had no evidence of shipment.

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 2022-12-14 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: Capio Partners, LLC
State: LA

Complaint narrative:
I did not give consent to share my personal information with these creditors. This is a violation of the HIPPA law as well as my privacy there were no proof of method of verification and there were no proof of how the debt was validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX  XXXX XXXX on XX/XX/2022 off XXXX report or provide proof in writing within 30 days

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 2022-12-14 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: I.C. System, Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KLS FINANCIAL open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
My mortgage loan servicing company withdrew an unauthorized payment from my account on XX/XX/22 in the amount of {$1200.00}. This unauthrized withdrawal was made after I had already made a payment on XX/XX/22. I spoke to them today ( XX/XX/22 ), and the agent told me she was filing a complaint against the employee who made the unauthorized transaction, but that my complaint could take up to 14 days to process. 

This is fraudulent activity. 

The company : Specialized Loan Serv LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation