vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

EXPERIAN XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

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 non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi responded to a request from a total stranger to have them mail the person my credit card. 

Citi sent them my card and the stranger put {$2500.00} on my account at various stores in person between XX/XX/XXXX and XX/XX/2023. They gave the stranger full access to my online account as well. 

I filed a dispute with Citi on all the charges last month, but Citi then closed the dispute on XX/XX/XXXX stating that they could not get a hold of me for additional information. No attempts were made to contact me by phone, email or mail. 

They re-opened the account and now the stranger is back in it and I am completely helpless to stop what they're doing. I filed a report with the FBI as the police instructed as well.

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 2023-03-14 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: MO

Complaint narrative:
I have some inquiries on my report that don't belong to me.

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 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AAA Collections
State: SD

Complaint narrative:
This is their 2nd garnishment, no response when trying to contact other than we don't wan na hear it, no information for court date, no information about what where when or how, and today we received another garnishment order at work

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TU for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now XXXX is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that TU and XXXX are flagrantly violating the FCRA.

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 2023-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
I filed a complaint in XXXX of 2022, and was told through the CFPB that the mortgage servicer had made arrangements to remove my erroneous lien. The mortgage servicer stated in their response to the CFPB that they would need 30 days to remove the lien. I followed up with the CFPB stating that the lien was not removed. Now, 6 months later, it is still not removed. The original CFPB complaint number was XXXX. Please help. It bothers me to see that the complaint was marked closed when the servicer failed to do anything.

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 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo repossessed my auto on XX/XX/XXXX. On XX/XX/XXXX I was informed that if I paid WF {$4800.00}. On XX/XX/XXXX I paid WF by cashier 's check {$4800.00}. On XX/XX/XXXX I received WF letter stating that the loan had been satisfied in full and that Credit Bureau and everything should be settled in 1-3 months. At which time I expected to receive the title to my car from WF. WF never provided the auto title. WF sent me their Lien Release letter with Documentation dated XX/XX/XXXX, thus taking this matter into the covered penalty period for WF. They purposefully did not inform me that WF did not hold the title to my car at the time of repossession. And, by not providing my title, WF prevented me from being able to get a state title so I could sell the car. Lastly, WF purposefully waited until the statute of limitation for me to take action to recoup the {$4800.00} I paid them to get my car back before informing me that they did not hold my car title.

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 2023-03-14 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: TX

Complaint narrative:
i've paid to delete a collection account and i haven't get any notification from the collection agency stating that they are going to delete the collection account from 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 2023-03-14 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: TX

Complaint narrative:
i've paid to delete a collection account and i haven't get any notification from the collection agency stating that they are going to delete the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
YOU BROKE THE LAW!!!! 

Pursuant to Title 15 U.S.C 1691 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

Under Section ECOA 701 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 

YOU CITIBANK BROKE THE LAW When you terminated the credit agreement between XXXX XXXX and CITIBANK.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XXXX they asked about a charge XXXX XXXX XXXX XXXX charge {$1500.00} on XXXX and wanted I sent them a picture of my driver 's license and SS # and wanted me to go to the bank an withdraw {$10000.00} cash they said they were the Bank of America identity theft

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 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: OR

Complaint narrative:
I opened a loan for a piece of furniture through Koalafi. I agreed to pay off the loan in three months so that I wont have to pay interest. I was making a payment of {$180.00} a week to pay it off. I had two weeks left with a total balance of {$370.00} so I made a final payment in that amount. The following week they continued to charge my card {$180.00} so I had called to get a refund for that since I made the payment towards paying it off. They refunded me XXXX {$89.00} payments from 2 random months before. the following week after they took out the {$180.00}, they continued to charge my card another {$67.00}. I had called and they said that my loan was still open because they had refunded me the past month payments so now they say that, I have to continue paying the interest which is the same amount of the couch itself. My loan is currently sitting at {$2800.00} when I already paid {$2500.00} for the couch. XXXX XXXX be paying for this is {$5300.00} for something I paid off within the 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We purchased a refrigerator from XXXX and used XXXX financing on XX/XX/XXXX. The refrigerator came with a bonus set of front door panels that were delivered a few days after the refrigerator arrived. The XXXX delivery employees damaged our refrigerator door frame and the original Tuscan Bronze door panels by using a screwdriver to remove the panels when they should have used XXXX a suction cup tool to properly remove the panels. I noted on the delivery order of the damage to my panels and refrigerator. We have spent 40-50 hours or our time trying to get XXXX to remedy the situation via calls and internet chat ( I have screenshots of the chat and I have call logs from my cell phone provider ). Their call center routed use to a customer service number XXXX, which is no longer in service. After countless calls we disputed the charge with XXXX XXXX on XX/XX/XXXX and payments were halted until the dispute was resolved. TD Bank handled the dispute and they sided with XXXX on XX/XX/XXXX because they supposedly tried to call me for clarification on what was damaged and I did not answer the call. They admittedly stated they never left a voicemail for me to call them back so the call was not returned. At that time payments were to resume even though I still have a damaged refrigerator and no resolution. I re-disputed the charge with XXXX XXXX on XX/XX/XXXX which is still unresolved. XXXX did contact me and asked about the panels XX/XX/XXXX and I told them to come and get the refrigerator or give me new panels and {$500.00} off the balance owed. On XX/XX/XXXX they send an email stating, " with E-Commerce previously is out of the return window. ". So now I am stuck paying for a refrigerator that has been damaged since delivery. I am no longer going to pay for this refrigerator and I am going to wreck my XXXX credit score over principle. I am being financially harmed by XXXX XXXX and TD Bank. Please help. XXXX XXXX - XXXX ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Wrong address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
I was in a car accident on XX/XX/XXXX, and XXXX did not cover the ambulance ride to the hospital. The bill was sent to insurance, and on XX/XX/XXXX I saw an 89 point drop on my credit score. I was wrongfully sent to a collections agency over a debt that is almost XXXX XXXX XXXX, and should not have been charged to me for {$1100.00}. The debt collection agency Phoenix Financial Services informed me I have to settle the debt in order to remove it from my credit and have wrongfully charged me {$340.00} to drop this off my record, when it should have never been sent to collections since this debt was billed to insurance and never billed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
Hello, I was a member of XXXXXXXX XXXX XXXX since XXXX at the time of signing up their was a one year agreement. In XXXX my debit card expired and I stopped paying XXXXXXXX with the belief that since I was no longer a member or in a contract after XXXX I would be fine. It's pretty standard now a days that once you stop paying for a service your account get 's closed. I never received a phone call, text or email from XXXX after the first month they tried to bill me. It wasn't till debt collection agency " First Credit Services '' sent me a letter that I owed XXXX {$200.00} in which I called them back to see how this occurred. They weren't willing to negotiate with me, despite no prior communication. I find it highly unfair, that not only is my credit score is affected after they put it on my report which at the time my credit score was XXXX which I worked very hard for. I have to pay for a service that I did not use nor thought was active. The lack of communication from XXXX is truly disappointing considering I was a really good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The credit card in question is an Apple Credit Card that I keep getting late payments which have decreased my credit score. I have never had an Apple credit card or opened an Apple account. I have spoken with Goldman Sachs who underwrites the Apple card and have informed them of this issue, they stated a manager would review this matter and contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Kikoff Inc.
State: NY

Complaint narrative:
Wrong address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern I was on my XXXX XXXX and noticed a discover card I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. Discover had said I would be updated to XXXX and XXXX but never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Didn't own that account

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