vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX I thought this complaint had been resolved! 

I just received a card today from them with the same account number in this wrong name which they can not clear out of my credit report but I was willing to let sit on it. 

They had issued a wrong card originally with tis incorrect name and birthdate, then fixed it now issued it incorrectly again???? 

Each time it goes as an inquiry and XXXX score gets affected, why. I want the account closed!!!!! I even paid {$99.00} fee just to be rid of them. They are harrassing me, I am XXXX yrs old and alone and do not know what to do and I am scared!!! This is my credit! 

Can you help me, please have hem close out the Barclays accout and end my nightmare!

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been attempting to remove a freeze from my credit history placed by Equifax. 
I have spoke with the on several occasions over the past two weeks and done everything they have asked ; they still will not remove the freeze. 
I dont live near them so I cant go in person, the last person I spoke with disconnected me. 
We lost a potential new home because to this issue, We are thinking a taking legal action against them. 
Do you think you can help??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My XXXX credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my Capitol one Cabela 's account as well as my Capitol One Walmart Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have had an American Express gift card saved, sealed in an envelope that it was originally purchased in ( {$300.00} total ) since XXXX. The card expires in XXXX. I recently went only to use the card and checked to see if an activation was required on the company website. I discovered that recent fraudulent activity totaling {$290.00} with various merchants had occurred. I contacted American Express as requested on XX/XX/XXXX ( XXXX ) and was notified that this had occurred. I was informed that they could not resolve any disputes or issue refunds, fraud protection, etc and would need to work with the merchants directly ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX After speaking with them I went back to their site to obtain the transaction information and discovered my account was locked so I could not access this detail to reach out to merchants. I called back and was told this would be emailed to me within 24-48 hours. I did not receive an email while giving them additional time ( including weekend ) and called again on XX/XX/XXXX and was able to have my account unlocked to receive transaction detail. I contacted the various merchants and was informed I that I would need to work with American Express to resolve as the transactions were managed through their card. I spoke again to Amex to re-suspend my account and questioned again why they would not honor any fraud protection when they failed to provide adequate security ( Ex : card activation ) and other gift card companies do refund the card holder. I escalated the issue with card services and was just repeated that their card holder agreement does not permit them to manage disputes. I was told yes, their policy essentially is if an individual has one of their products and has money stolen unless they alone can work with a merchant for a refund they are out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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

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 2022-06-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: PA

Complaint narrative:
XXXX  XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: KS

Complaint narrative:
I have emailed and sent certified letters, called 4 times and have messages on XXXX with a rep. 

This started XXXX of this year.

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 2022-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
Several issues in dealing with Planet Home Mortgage. In XX/XX/2022, apparently I received a letter stating that I was short in escrow. I didn't receive this letter ( rightly so with the low staffing and issues around mail ). A few months later, I got calls saying that we were short because I never paid the short fall from the escrow shortage so my monthly payment went up ( which I didn't know ) and only paid my previous monthly payment. I was short a XXXX XXXX XXXX dollars. I ended up paying the balance shortage and I was told by a manager that my payment will go back down. She requested a tax audit to review this and I would hear back soon. I got a bill in XXXX stating my XXXX payment even went higher. HOW? SO I called and the technician could not figure out why so he was going to have someone call me back. It is now XXXX and I haven't heard anything and my payment is higher than it was before the escrow shortage increase after I paid over $ XXXX to decrease that. Last week I learned something that Planet Home apparently has been paying 2 insurance companies which caused my escrow to fall short ( my insurance that i authorized was XXXX ). They were paying XXXX and randomly XXXX XXXX was sending them bills and they were also paying for that as well. so no one raised a flag on why for 2 years they were making 2 insurance payments to two different companies. Now I've been charged several late fees and still have a high monthly amount and now I have to fight with XXXX XXXX  to return 2 years of insurance payments when I NEVER authorized them to take over. Planet Home Mortgage has been nothing but issues since the refinance and someone at the highest level needs to see the horrible things that have happened and the several late fees that they have charged because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
XX/XX/XXXX Started Forbearance due to COVID. End of XXXX started process for a loan modification. Loan mod was excepted and a 3 month Trial Plan Agreement was set up for XXXX, XXXX and XXXX of XXXX of {$2400.00}. All XXXX payments were made timely. Paper work for the new agreement was sent to me. I signed and sent pack with a notary 's signature. XX/XX/XXXX first payment on the new loan agreement was made on XX/XX/XXXX for the NEW mortgage payment of {$2300.00}. On XX/XX/XXXX I called to make my second payment of the new loan when I was told that my new loan was rejected due to the notary 's signature not being approved by the lender. I never received any correspondence from the lender of the signature rejection. I still made the second payment of {$2300.00} on that day but was out of town ( XXXX XXXX was a Friday ) due to a death in the family and was unable to receive and re-sign new loan docs with a notary. I had to wait until I returned home ( Monday, XXXX XXXX ) to contact the lender again about my options. Again, no correspondence or any time had been sent to me explaining the rejection. When I called back the lender said my first loan mod was void and I had to start all over again. So I filled out another loan modification in XX/XX/XXXX and waited to hear from the lender on their decision. XXXX went by and I heard nothing. XX/XX/XXXX came and I called, again nothing. XX/XX/XXXX I called and was told to watch for something to come in the mail and nothing did. Called beginning of XX/XX/XXXX and requested the whatever info to be emailed because I never received anything in the mail still. When I was on the phone with the lender he made the comment when looking at my file that he confirmed nothing had ever been sent still. XX/XX/XXXX the first letter came from the lender dated XX/XX/XXXX saying my loan mod was approved and my trial payments are for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$2500.00}. I made the first payment on XX/XX/XXXX but was unable to come up with the funds to cover XXXX with the timing of the notice. At that point I contacted my local Housing Authorities and Legal Aid. Legal Aid informed me that I do have a case on XXXX counts but I would have to hire a lawyer. I do not have funds to do that. My husband has struggled for the past year and a half with LONG Haulers due to contracting COVID-19 between his first and second immunizations. He has been unable to work because of his symptoms and a difficult school schedule with our children, also due to covid. I lost my second job that I made approximately {$20000.00} a year due to COVID. That loss is now permanent. I am not able to replace it with a new second job with the schedule of my primary salaried job.

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 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
I opened a Crypto.com account in XXXX of XXXX. I purchased about {$900.00} of Shiba Inu that day or the next. Sometime in XXXX of XXXX, I wanted to see how it was doing so, I tried to log into my account but, I'd forgotten passcode. I emailed Crypto.com to change my passcode and they informed me that I needed to provide the phone number that I used to open said account in order to change it. I told them that I've since changed numbers so, I know longer have that number. They asked me to provide them w/a picture of my drivers license, a picture of me holding a piece of paper and a picture w/my elbow clearly showing me holding the paper, which was to display my full name, the days date and the code being sent to my email. I did what was asked of me but, they said they never received either the picture of my drivers license or the paper w/the info displayed. This went on for approximately 2 weeks! I had about 4 different employees respond to my emails saying they were sorry for the mix up but, they needed all the info to be provided again. I gave up trying to after my last, " I'll be happy to help you if you'd provide the following information. '' Please help me because I'm at my wit 's end! Thank you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted several requests for my personal information to be updated and for incorrect names and addresses be removed from my credit profile. However, I received this email today from Experian with an obvious INCORRECT name " XXXX XXXX XXXX '' I have no clue who that is. I mean they can't even get that right. My name is XXXX XXXX XXXX. That is the only name I have/use and that's the only name that should appear on my credit report all other names and spelling variations should be DELETED immediately. I'm not sure who's furnishing their information but maybe they should double-check it before they submit it. If they were going by my previous request for a fraud alert they still got it wrong with the name. None of the documents submitted had that name on them unless it was to show inaccurate reporting ONLY.

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 2022-06-07 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: PA

Complaint narrative:
XXXX XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft 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 non-monetary relief
Consumer complaint received 2022-06-07 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: PA

Complaint narrative:
XXXX  XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft 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 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hauge Associates, Inc.
State: KS

Complaint narrative:
XXXX XXXXXXXX XXXX- Was told by an associate that they would report my debt to the credit bureaus. Told them I couldn't do anything right now. 

XX/XX/XXXX - Associate was very rude during a phone call about trying to collect a debt. Then was informed about a new debt that I had no idea existed. 

XX/XX/XXXX - I called back to have validation letters sent to my new address and explained that I had not received any validation letters prior. They said they would not resend them. 

Countless phone calls between those two dates that was so many that my spam blocker on my phone started to automatically flag and ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report is showing a late payment in XXXXXXXX XXXX. My Bankruptcy was filed in XXXXXXXX XXXX and this account was never late up to the date of the XXXX filing. 

There are three XXXX account numbers incorrectly reporting a late payment in XXXX XXXX. 
Those account numbers are : 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 2022-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Farrell Holdings, LLC
State: TX

Complaint narrative:
accounts on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In the payout of my car, previously leased, the sales taxes were included. I went to the DMV, immediately after receiving the title in the mail on XX/XX/2022. At the DMV office, I was informed by the clerical officer that I have to pay the sales taxes as the XXXX DMV received no payment from Kia Finance XXXX. 

I asked the clerical to research again because the taxes were paid to, and collected by Kia Finance XXXX  and included in the final paid out. 

After research, The DMV told me there is no evidence of the payment.

At the DMV, I had to pay the sales taxes again to get my title, and my registration card because Kia finance failed to forward the tax payment collected from me to the California DMV.

I contacted Kia finance immediately, same-day on XX/XX/2022, and the customer service create a case with the reference number XXXX, They asked me to wait for 5 days to receive an answer, I called again on XX/XX/2022, and the customer service provide no answers. 
On XX/XX/2022, I contacted Kia XXXX and received case number XXXX. 
On XX/XX/2022, I received an email from Kia XXXX to let me know that I have to contact Kia Finance to resolve this issue. 
Kia Finance is not giving me any answers.

Kia Finance has to reimburse me the tax sales fees that they collected from me and didn't pay to the DMV of the state of California.

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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX {$1300.00} - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX XXXX Date Updated : XX/XX/2022 High Balance : {$1300.00} Original Creditor : XXXX Past XXXX : {$1300.00} Pay Status>Collection< Estimated month and year this item will be removedXXXX  Remarks>PLACED FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: LA

Complaint narrative:
I received a copy of my credit report and noticed a few accounts that are 100 percent not accurate. I was unaware of the consumer Burea and other companies reporting fraudulent accounts on my report. I did not authorize or give written consent by law. FCRA states that I can challenge this by law. 15 USC sec 1681i ( a ) They have not provided any proof to me. this is fraud. I have requested 100 proof with my wet ink signature and they did not provide or respond to the allegations that they have in my file.

Company response to consumer: Closed with explanation