vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: PA

Complaint narrative:
this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help 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 2023-06-15 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: FactorTrust, Inc.
State: GA

Complaint narrative:
I would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
I am in the XXXX XXXX XXXX. I supplied military orders to the creditor, in writing and by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a second set of orders were supplied XX/XX/XXXX. 

There was no action taken to cap my interest rate at 6 % per the protections of the SCRA military benefit for reservists being called to XXXX XXXX service. 

I supplied multiple examples of SCRA benefits being applied by other creditors, but received no response. XXXX XXXX a VP at central bank, with little explanation on reason for denial of benefit. 

Please help me rectify this.

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 2023-06-15 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: IN

Complaint narrative:
I have disputed the new collections account with XXXX. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about 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 non-monetary relief
Consumer complaint received 2023-06-15 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: IN

Complaint narrative:
I have disputed the new collections account with XXXX. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about 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 non-monetary relief
Consumer complaint received 2023-06-15 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I previously reported that Hyundai Motor Finance was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined Hyundai last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. Hyundai made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.

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 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
This complaint is in reference to a prior complaint filed with the CFPB ( XXXX ). I believe this complaint was closed prematurely as the company response included inaccurate information. In the response, the Gemini representative stated that I purchased several crypto currencies and was seeking to have them returned. This is incorrect. Again, I did not hold any crypto currencies in my Gemini account. I held only US dollars. Someone hacked into my account, stole my US dollars, used your platform to buy crypto currencies and then took them off your platform. I have reviewed Gemini 's FDIC insurance sections of their user agreement and still believe my funds should be covered via pass-through insurance. I have submitted multiple complaints via the Gemini website but have not received any communications on the matter from those submissions in months. I have attached my initial complaint and the Gemini response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Im not sure whats going on or who this company is. I sent a cease and desist dated XX/XX/2022 requesting verification of this alleged loan and the company never followed my instructions, only sent a copy of a contract that they are not listed in. By law they had 30 days to provide me that information or to cease all collection activities, which includes reporting information to the credit reporting agencies. They have continued to violate my privacy by reporting and have neglected my concerns as a federally protected consumer. I called and no one is able to explain why Bridgecrest is not on a contract they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2023 the following companies made inquires into my credit without my permission. 

XXXX XXXX Capital One XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: UT

Complaint narrative:
In XXXX of 2022 I had my direct deposit going to my Chime account. I received my direct deposit as usual. Around the beginning of XXXX I noticed there were around {$600.00} if fraudulent transactions. I immediately contacted Chime, reported those fraudulent transactions. 
I called back over three weeks. Then around XXXX I went to check the status and the fraudulent transactions and a recording I received said my account was close. I tried to contact them but my debit card was inactive so I couldn't get through.I looked every where for a different number. About 2 weeks later I received a letter from Chime stating that I broke one of their policies and sent me. a check for {$0.00}. I could not find another number for chime and they didntt even honor those fraudulent transactions. I think Chime is a scam network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder. Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney! 

I do not accept Wells Fargos response and will file complaints against them with ic3.gov among other federal agencies if my money is not returned. They have failed to read my attorneys letter and act proactively and will now be seeking legal counsel if my money is not returned.

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 2023-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a new XXXX Hyundai XXXX in XX/XX/XXXX. I paid a {$1.00}, XXXX deposit and traded in a XXXX Hyundai XXXX valued at {$4000.00}. Upon leasing the vehicle I had many unresolved issues by Hyundai. I spoke with their consumer affairs department multiple times and they failed to correct the issue. Although those issues are independent of the issues concerning this complaint, they are relevant in that Hyundai continues to act in bad faith against consumers. My lease was for 36 months and was set to expire XX/XX/XXXX. On XX/XX/XXXX, my car was declared a total loss due to flooding. I paid approximately {$14.00}, XXXX in lease payments. My insurance carrier encourages, XXXX, sent Hyundai Motor Finance a settlement check in the amount of {$19.00}, XXXX. In total, Hyundai Motor Finance received approximately {$33.00}, XXXX for the vehicle, an amount that far exceeded the market value of the vehicle even when it was brand new. When I initially contacted Hyundai Motor Finance XXXX of its representatives advised that he believed i would be entitled to a refund. I received a final statement from Hyundai which included a fee of {$75.00}. I paid the {$75.00} and called Hyundai to inquire when I would receive my refund. Hyundai advised they would not be providing me a refund. I explained they were overpaid by my insurance company, I traded in my old vehicle to lease their vehicle, and I also placed a {$1.00}, XXXX deposit. Hyundai explained they were not involved with the initial lease transaction. I explained to Hyundai the dealership, XXXX XXXX Hyundai XXXX XXXX, advised my trade in and a {$1.00}, XXXX payment was required for approval by Hyundai Motor Finance. In fact, I remember the dealership quoted me a very high lease payment ( over {$500.00} ) which exceeded Hyundai 's advertisement of {$300.00} for a new leased vehicle. They were able to get me down to a payment of {$420.00} at a rate of 4 %. I asked Hyundai to reimburse me the {$1.00}, XXXX and the cost of my trade in vehicle. Hyundai has refused. I am now without a vehicle and unable to fiannce a new vehicle as Hyundai has been overpaid by my insurance company. Hyundai is engaging in unfair trade practices against its consumers.

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 2023-06-15 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: U.S. BANCORP
State: PA

Complaint narrative:
I had purchased a pair of pants at XXXX XXXX XXXX. They did not fit and I returned them. Pretty simple. They cost {$44.00} and were purchased on XX/XX/XXXX. The item was returned with tags on it XX/XX/XXXX. My credit card was not refunded for the item in question. I contacted the store in a couple days to ask, and they stated they would investigate. They called back and indicated they investigated internally and sent the money to Fidelity Credit Card ( Elan Financial ). I contacted the number on the back of my card. They indicated they did not receive the funds and couldn't find it but sometimes it takes a month to to come in. When I waited until XX/XX/XXXX, no funds had arrived. I disputed the amount, but didn't know the exact amount as the receipt was in the other room, but I said it was around {$50.00}. When I asked for the money back and disputed the charge, they stated they will start an investigation and issued a preliminary credit. The representative on the phone stated they would credit me {$57.00} just to be safe but they could amend it during the investigation. On XX/XX/XXXX, they sent me a letter with a photocopy of the receipt from the transaction, and stated that it is different than the amount disputed. I circled the amount and stated that they have the correct one now, that it is correct on the receipt. Good job thank you. On XX/XX/XXXX I received another letter indicated that I " had not responded to the first letter and my dispute was closed and the amount was un-charged back ''. So they charged {$57.00} back to my account, but did not rectify it with the correct amount. I called immediately, and a representative stated they would reopen the dispute, could see my concern and saw the documents and weren't sure why it hasn't been processed and to give it a month. A month goes by, I called at the beginning of XXXX. They indicate the same thing, please don't report to the CFPB, give it another couple weeks it should get processed, wow that is crazy, yadda yadda. It is now XX/XX/XXXX and I am still out {$47.00} for a pair of pants that were returned months ago. Please help me! It isn't the money that is concerning ( though I do want it back ), it is the principle of the matter. Thank you.

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 2023-06-15 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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:
On XX/XX/2023, XXXX XXXX reported on my Experian Credit Report that I owed XXXX on an account and I was 30 days past due. Upon checking my accounts with XXXX, I did not identify any acocunts with a balance of this amount or any accounts that were 30 days past due. Please remove this account from my credit report 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 2023-06-15 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX a check was mailed to pay off a Barclays credit card for the balance owed ( {$6200.00} ). The check did not have the credit card account number on it however, the remittance slip was mailed along with the check. The check cleared on XX/XX/XXXX, however, it has not been applied to my account. I called Barclays on XX/XX/XXXX to find out why the payment has not been applied. Barclays has begun a " case '' with an identifying case number to investigate where the funds are. I've also faxed them a copy of the front and back of the check to show its endorsement. I'm very unhappy that this could possibly take that long to resolve. They have all of the appropriate documentation and they've now had the funds for 11 days. Is it perhaps sitting in an account with other unprocessed payments making tons of interest for Barclay the company? I was initially told it would take 1 to 2 billing cycles to resolve, but I escalated it with a supervisor, who told me to call back in 48 hours. I did that today ( XX/XX/XXXX ), and STILL no change in status. Needless to say, I'm very frustrated. I've never had a credit card company take this long to resolve a problem.

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 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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