vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-30 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: FL

Complaint narrative:
I was made aware of these accounts being fraudulently opened in my name in XXXX. I have reached out to Transunion to have these accounts removed from my credit report. I have sent several letters to TransUnion with the required documentation to establish identity theft, but TransUnion has failed to properly investigate and remove these accounts. TransUnion has caused me great harm by damaging my credit reputation. Under FCRA, TransUnion is required to remove these accounts once an identity theft claim has been established. The accounts listed below were opened fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$3500.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Opened : XX/XX/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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: SC

Complaint narrative:
On XX/XX/XXXX, I notified Guild Mortgage Company that I changed XXXX XXXX XXXX and sent them verification, which they acknowledged on their website, showing the reduced amount of Homeowners insurance. 

Guild stated that they sent me the check for the old XXXX XXXX XXXX  and to send it back to them so that my account can be properly credited and reflect the lower payment to be assessed for the XX/XX/XXXX, payment. 

I receive their refund in the amount of {$2700.00}, which I promptly sent a personal check in that amount to them by overnight via USPS. It arrived in their XXXX XXXX XXXX XX/XX/2023 as shown in the attached documents. I had notified them by email prior to and after the XX/XX/2023 email. As of today they have refused to or attempted to retrieve the overnight mail containing the check so that my XX/XX/XXXX, payment can be accurately reduced. 

I contacted XXXX XXXX and their representative in the XXXX department for Guild more than 5 times prior to making this complaint and have made every effort to contact them by phone. 

I tried calling their Servicing Department as shown on their website and instead kept getting referred to a solicitation for XXXX XXXX  instead, which is quite disturbing. 

As of today I am have to pay the {$3000.00} mortgage payment instead of the lower amount if Guild were to properly take into consideration the check that has been in their XXXX XXXX XXXX XX/XX/2023. 

Since this complaint, I have changed XXXX XXXX XXXX  again and will have an even lower previous which will reduce my total payment below {$2800.00}. This second change in XXXX insurance companies will be effective XX/XX/2023. I purposely waited to have this new insurance to take effect on XX/XX/2023 to give Guild sufficient time to correct the " current '' escrow payment that they refunded. I thought 11 days would have been plenty of time to begin my new homeowners insurance, but now that have not even picked up the current refund check in their XXXX XXXX there will now be more necessary delays in correcting the homeowners premium the currently have on file the second change coming in XXXX. 

This entire confusing issue is purely due to their negligence in not picking up the refund check that I sent, correcting the current payment and in XXXX they will receive the second homeowners insurance companies that will ultimately reduce my entire mortgage payment even further. 

Their outrageous customer service in not having a XXXX XXXX XXXX  phone number to contact them directly and instead, an up-sale for XXXX XXXX XXXXXXXX is equally outrageous and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had me send {$870.00} and then {$1000.00} as payment for a non-existent puppy to an account in the name of XXXX XXXX via XXXX transfer. Once I found that the puppy didn't exist, the next day, I contacted my bank and asked them to stop payment. They said they tracked the payment to an existing bank account and that they froze the account until the money could be sent back to me, but nothing has happened since the transfer date of XX/XX/22. I also sent {$1000.00} in gift cards to cover the " rental '' of a new crate at the airport they said was insufficient for his travel and that it would be refunded at delivery, but they demanded XXXX gold gift cards that can't be recovered as I understand it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
Simple. Apparently, US Bank has realized I am tired of receiving demands for {$0.00} for the current month when in reality I am nearly three ( 3 ) fully months ahead on my payments. My solution is really quite easy, and apparently, I maybe correct that those in processing have no idea what those in charge of the Fraud Department are thinking or doing, respectfully said of course. Because my most recent payment coupons are now labeled correspondence instead of indirect lending. 

So, I scanned and maintain a payment coupon in my index, and I adjust it accordingly because US Bank consistently and continually fails to issue a current ( again I am no less than two ( 2 ) months ahead so currently my ) payment coupons this payment is for XX/XX/2023, but what I get from that bank is for XXXX and a {$0.00} demand. Moreover, my Credit report is delinquent of facts necessary for anyone to fairly assess my creditworthiness. This is apparently a system wide problem as it happens to me in every banking debt I have. 

I bet if I was in default, they'd surely have that information readily available, which I may begin to elect to do so as to get the matters in for judicial review on the lenders dime as I possess each and every checking & banking statement for the past six years along with eft 's and all other information including handwritten ledgers. I contend this is a violation of the Uniform Commerical Code and may well be ripe for Jury Review and full unfettered ownership of that RV because of the prejudicial and dilatory actions of the creditors, same is currently under review.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX my vehicle had a total loss I made the payment for the month of XXXX but in the month of XXXX the insurer told me that it was going to answer for my car not to make any more payments so I did not make the payment in XXXX on XX/XX/XXXX, the insurance company sent the check on XX/XX/XXXX, but the company where I had my credit threw the check away, so they made me pay the XXXX fee. In XXXX, the check did not appear and the insurance company issued another check for On XX/XX/XXXX, they already had this check, my quota expired on the XXXX of each month, so on XX/XX/XXXX, after I had called the day before, and the people who answered me said that I had 10 more days until the check arrived. Just like that, they reported me and they lowered my credit by XXXX points and the check was cashed on XX/XX/XXXX and they reported me and my husband on XX/XX/XXXXXXXX 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 2023-01-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe XXXX this was an error on the finance ( unit ) And XXXX XXXXt which Im up to date on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is not the first time or the first card this company SYNCHRONY has opened and then closed with NO prior notice They have closed 5 accounts on me for various reason but only using 1 each and every time and that is a review of my credit Which is a total lie They have not researched my credit as I get a notice when ANY company does that and they have closed 3 of them within two months of the ok for them with no charges on them This institution is a FRAUD and I now know that I am one of many and the companies they serve have NO IDEA they are doing this! Please take all the complaints into consideration I'm open to a class action law suit against this company and what they have done to my credit

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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
Written letters to dispute and remove the account, account remines on my consumer report updates like a current account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
Axos Bank ( operating as XXXX XXXX ) - XXXX  # XXXX - savings account # XXXX A {$10000.00} transfer to my XXXX XXXX savings account from Axos Bank was initiated on XX/XX/XXXX the amount was removed from my Axos account and showed up as pending in my XXXX XXXX account. The transaction was returned by XXXX XXXX on XX/XX/XXXX after getting XXXXNO ACCT/UNABLE TO LOCATE back from Axos on the transaction XXXX The {$10000.00} was not returned to my XXXX account and has been missing since then. 

I alerted them and opened a case XX/XX/XXXX ( XXXX ). They repeatedly insisted they never sent an XXXX and that they completed the transfer and closed the case. 

XXXX XXXX had their team review the events and concluded that XXXX did issue an XXXX ( account not found ) and they did send the XXXX back their statement included this : The XXXX XXXX has reviewed the return and would like to provide the Trace XXXX, which can be used by your external bank to inquire the location of the funds. 

I provided Axos with this information and they finally opened an investigation - case XXXX was opened on XX/XX/XXXX To look into it. Ive been repeatedly told the team will contact me when they are done investigating. Its now XX/XX/XXXX and still no contact from the team my repeated inquires result in the usual please be patient, sir well contact you just as soon as we finish. Theyve now stopped responding entirely and simply close my inquires with no comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX General Processors XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME 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 The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return 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 2023-01-30 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : 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 The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was an account holder during the years of XXXX to XXXX. I have not been included in the recent settlement reached regarding WF " breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} XXXX. '' What do I need to do to be included in this settlement? 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am no longer a Wells Fargo customer now but I did notice late fees assessed to my account even when I made deposits to keep balance out of the red.

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 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was looking to purchase my first car in early XXXX, Credit Acceptance was my approved lender... With the high interest rate, I chose to refinance in XXXX, through XXXX XXXX XXXX. Come XX/XX/XXXX, my auto loan is fully paid off through XXXX XXXX XXXX, however, I can not get my title because Credit Acceptance is claiming I still owe them over {$6000.00} for GAP and extended coverage that they claim I never cancelled. They will not make any negotiations, even though my car has been refinanced and paid off completely through another 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 2023-01-30 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: AZ

Complaint narrative:
Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And child support which Im up to date on

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 2023-01-30 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: AZ

Complaint narrative:
Information that I own money to the XXXX XXXX XXXX is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And XXXX XXXX which Im up to date on

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