vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I purchased a new car from Clay Cooley XXXX of XXXX on XX/XX/2023. They gave me the wrong car. On XX/XX/2023 I returned to the dealership to exchange cars. They had me sign new papers with the correct VIN. 
I discovered they ran a hard inquiry on my credit report twice. I was not told about either report. I assumed they would run one on the XXXX but I never agreed to the report on XX/XX/2023 and I want that inquiry removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opted out of overdraft protection. 

XXXX electronic checks were processed at the discretion of the overdraft department ; which resulted in overdraft charges being incurred. 

The first one I deposited money to cover the overdraft. They still charged me a fee. 

The electronic check was processed first ; causing other pending items to further overdraft my account ; transactions that occurred while I had a balance to cover them, before the electronic check was processed. Timing of the posting of transactions. 

I asked them to reverse the payment of the electronic check and they said they could not. I asked for a refund of the overdraft charges and they said they could not. I have attached a copy of the chat ; where the agent gave me an XXXX number stating to call that to speak to their supervisor and that number is to an automated system. 

I do not think that a department should decide to let my account overdraft or not. If I do not have the money to cover it then reject the debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I called and left a message for XXXX XXXX to give me a call back on my number. At XXXX XXXX I received a call back on work number. When I asked why he called that number he said that he just hit redial. During the entire conversation he would not allow me to speak. I felt like I was constantly trying to tell him what was going on and he refused to even give me the opportunity to speak. There is already a case open for my other complaint. XXXX. If XXXX XXXX would have actually read what was sent he may be able to understand what I am trying to say. I did ask to speak with a supervisor but was transferred to a voicemail. The fact is that we do not owe the money that they are trying to collect. We have told them this numerous times. We only owe about {$10.00} which I am more than happy to pay. 

Also they sent me someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and information from my consumer report. The accounts and details listed below should not be reported on my consumer report, as it directly violates the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report to comply with several laws. I expect immediate action to remove these accounts and information.

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 2023-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Fraud Under the Alias of XXXX, USER TRIED TO OPEN A DEPOSIT ACCOUNT THROUGH BANK OF AMERICA, I WAS EMAILED ON XX/XX/23 OF THE DECISIONS THAT BANK OF AMERICA DECLINED MY APPLICATION. I HAVE NEVER BANKED W/ THEM, NOR HAVE I TRIED TO, I DID CALL THE FRAUD NUMBER, AND I ALSO EMAILDED THE FRAUD DEPTARTMENT, FORWARDING THE MESSAGES TO THEM. I SPOKE TO SOMEONE ON THE PHONE AND GAVE THEM MY CORRECT PHONE NUMBER, THEY HAD A DIFFERENT NUMBER ON HAND. 2 DAYS LATER I RECIEVED A CALL W/ AN ACCESS CODE,,, ( THINK THE FRAUDULANT TRIED TO ACCESS, THANKFULLY I CHANGED THE PHONE NUMBER. I HAVE SINCE PULLED MY CREDIT AND HAVE UPDATED MY INFORMATION TO NOT INCLUDE PHONE NUMBERS AND ALIAS. COUPLE MONTHS AGO ALSO GOT A STATEMENT IN THE MAIL THAT I APPLIED FOR A " XXXX  '' CREDIT CARD USING THE SAME ALIAS " XXXX '' AND JUST TODAY MY PLACE OF EMPLOYEMENT RECIED SAME 'XXXX  '' FOR UNEMPLOYMENT WHICH I DID NOT FILE OHIO DEPARTMENT OF JOB AND FAMILY SERVICES.

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 2023-07-20 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-07-20 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: OK

Complaint narrative:
Trans Union is reporting a closed account as open.Plus it show a Derogatory {$82.00} a month payment on a closed account? Plus the account is a fraudulent account listed in a FTC report and police report. I was a victim of Identity theft. I sent trans union the report 3 times and it does not seem to matter to them. Plus the account is duplicated XXXX  times. 
Account # XXXX, all give different amounts on owed and XXXX showing a balance of {$570.00}. 
All opened in 2021. I have sent them everything proving my case! Account Name : XXXX XXXX XXXX Acct # XXXX **** ( XXXX of these accounts all duplicated and showing different things ) I have called them several times also. I have certainly did my part under the dispute process, They have never even responded about this dispute by mail or email or anything. It has been over 120 days waiting for response with this. This is violating my rights with FCRA etc. Even with the certified mail process. Trans Union is violating all my rights.

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 2023-07-20 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Originally and im not sure what was reported by the company, i was told several reports.. My first issue I was hospitalized for nearly 2 months, the other person on the loan was put in prison because she was the direct cause of my hospitalization and stole my money all of which was documented, so I called and notified the company, you allowed me to enter in a payment plan to catch back up when I was well enough to work. I was under the impression that wouldn't impact my credit. Your company also forced me in a forbearance thing during covid I never agreed to and when I noticed my payment didn't withdraw I called to ask why.. I WANTED to make my payment and you wouldn't let me ..so after I disputed that with your company you sold my loan to XXXX who also stated they have no record of me even being in a forbearance plan and all of a sudden I was forced to pay that in entirety! which I was able to do but you reported that to my credit and I want that removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I bought the XXXX XXXX XXXX from US Auto Sales which went bankrupt and sold their accounts to Westlake Portfolio. My vehicle was repossessed and I paid the repossession amount of {$2000.00} on Monday XX/XX/XXXX. I was told by Westlake it takes 24-48 hours for the release. They still have not released my vehicle. Also US Auto Sales overcharged me on the vehicle and they did not inform me that they were going bankrupt and the account would be sold

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: AL

Complaint narrative:
XXXX Credit company is not updating my credit acceptance account correctly. Sent documents to verify the account is closed in settlement XXXX XX/XX/2023. XXXX is the only company with proper updates.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I had an existing account with US Bank and also XXXX accounts with XXXX XXXX XXXX in another state. I went to open XXXX more USBank savings accounts so I could transfer my childrens social security survivor benefit accounts to a bank in state, because we moved and did not have access to XXXX XXXX branch locations in our new state. I wrote myself a check from my XXXX XXXX Account to be deposited into my USBank account XX/XX/XXXX for the entire amount of my childrens accounts to bring them to a XXXX balance so I could close the accounts at XXXX XXXX. I mobile deposited the check and they at first gave me access to some of the funds, but then put a hold in the entire amount of the check. I was told they would have to hold it for XXXX business days to see if it would clear. I talked to several online bankers and tellers at USBank who said there was nothing they could do. The check cleared my FI account on XX/XX/XXXX. USBank still will not release my funds and online says to talk to branch and branch says they cant do anything because their branch XXXX is not in the building all week. There is no valid reason for them to not release my funds us bank received my money on the XXXX. Again this was the entire amount of that account which is causing me to not have access to our money to pay bills, eat or buy gas. All of my bills are due this week so I have to either try and pay them and hope they dont overdraft my account or incur late fees. If USBank had told me they put holds on check for XXXX business days I wouldnt have tried to transfer ALL of my money at once. This is financially catastrophic for me as I am we are a single income family and depend on the kids benefits to live. I dont understand why they wont release my funds when they were paid days ago.

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 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Please attached timeline attempting to resolve this with Mr. Cooper, loan processing company. 

We discovered our escrow balance is excessively high ( see attached page ). We contacted Mr. Cooper telling them we knew the originating bank was overly conservative developing the initial escrow balance. ( We had no idea the overage was so excessive. ) But now that Mr. Cooper holds the mortgage note, you are notified, please fix it. We validated our information with paper escrow-related tax bills and a discussion with the local XXXX  government tax official. Mr. Cooper staff has begun to string us along, as well as mislead us. We were nicer a year ago with XXXX when they delayed us almost three months - we are not naive this time. ( Completely separate, but XXXX acted similarly with my good friend in XXXX  when he asked for his refund. ) We believe, validated with the attachments, Mr. Cooper owes us roughly $ 5K+ in escrow overage that increases monthly ; as well as by direct follow-through, the monthly mortgage we are having to pay is roughly {$430.00} over ( too much ) as well. 
Mr. Cooper has an automated phone line that informs customers there is no need to send in escrow-related tax bills as they capture them electronically. We disagree because this is part of our complaint- we inform them they are missing one and we have no comfort level any correction is being acted on. 
We have been professional in all of our dealings. At times we have expressed frustration with Mr. Cooper staff, but the timeline notes will reflect why ; as well as any recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-20 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: TX

Complaint narrative:
I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 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 2023-07-20 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: TX

Complaint narrative:
I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 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 2023-07-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX we requested that our cash back total on our XXXX XXXX XXXX XXXX serviced by Comenity Bank be transferred to our checking account on file with the bank. When the money never appeared in our account, I contacted customer service. That dept. suggested I contact fraud which eventually sent me back to customer service. I was told the money ( {$140.00} ) had been transferred. When I asked them to identify the account used they could not provide that information. On XX/XX/XXXX I initiated a dispute. On XX/XX/XXXX I received a letter dated XXXX requesting I call a number provided to resolve my inquiry. When I called I was connected once again to customer service who advised the inquiry had been closed without an explanation as to why. After speaking to several people who offered different speculations as to what happened ( rewards were never processed and they were applied to my account- not true ) I eventually spoke with a CS rep who actually tried to be helpful. He was able to determine after speaking with multiple departments that the rewards were sent to a bank account other than the one we had on file. We do not have other accounts. This rep was able to share the last 4 digits of the account used which do not remotely match our account. The bank claims we have responsibility for this and it is our loss. I initiated another complaint and asked for an expedited resolution. The secure message response to this was that the complaint process is 3 months which means they have failed to provide my rewards for over 6 months. This process has been very time consuming and in my opinion is designed to frustrate the consumer and result in resignation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hard Inquiry XXXX XX/XX/2023 was not authorize by me.

Company response to consumer: Closed with non-monetary relief