vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 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: IL

Complaint narrative:
i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXXXXXX XXXXXXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine

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 2021-09-06 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: IL

Complaint narrative:
i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXX XXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.

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 2021-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On Sunday, XX/XX/XXXX, I applied for and was approved for on-line checking with Wells Fargo XXXX Banking. I was also given an account number. I called back about ten minutes later, and canceled the account, after reading that there was a {$25.00} monthly checking fee. 

I reconsidered, and called back trying to cancel my closing of the account, but was told that it was too late. On Monday, I applied again, and was approved again, and given another account number. Various other emails came, regarding how to set up my account, etc. 

Then on Thursday, XX/XX/XXXX, I received an email saying that my new account had been closed because of 'inconsistent ' information. I called to find out the issue, and was connected to the fraud department. They proceeded to present me with questions dating back to 20+ years ago. Some of the answers I knew ; some I wasn't sure about, They told me I failed the test, maintained the closure of my 2nd account. They went on to take my {$25.00} deposit fee ( after account had been closed ). 

I called the bank on XX/XX/XXXX, demanding they return my deposit back to my XXXX account, but the fraud department said there would be a 17-days-hold on my funds, while they investigated me and or my applications. 

I feel like my character has been defamed, and my deposit was unjustified, since they had already closed 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 explanation
Consumer complaint received 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The reason I'm filing this complaint is because I have inaccurate and unknown things reporting on my credit report. I ask the credit bureau to investigate within 30 days as the law requires and I have not heard anything back from credit bureaus as of todays

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 2021-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Garrison Investment Group
State: MI

Complaint narrative:
Foundation Finance : 1. doesn't specify interest rate, term, amount applied to Principal or amount applied to interest only.

2. Doesn't show the overall account balance going down from month-to-month 3. doesnt allow extra payment toward Principal each month. When I applied extra per month to my amount due it only reduced the amount due the following month vs. allowing an option to reduce the Principal amount.

4. I initially tried calling Foundation finance after the first statement or two to address the gaps in the critical details on my account statement and their customer service agents have no idea how to answer any basic questions about the account statement.

5. As you can see from my attached monthly statements the Principal amount doesnt reduce from month to month. Granted I understand the loan will be front loaded with interest, but to see no reduction month to month. I've never had a loan like this one. 

The lack of detail on their account statement seems almost predatory. I am requesting CFPB 's help to address these critical gaps with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: AL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 a company wfds auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

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 explanation
Consumer complaint received 2021-09-06 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 have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?

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 2021-09-06 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: TX

Complaint narrative:
I have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On Friday, XX/XX/2021, I made a payment to both of my credit cards from Capital One. I always pay my credit cards from the same bank account. I was checking to see if the payments were made through the Capital One app and a payment was applied to the second card I have but the money was not available. I called Capital One to see what was the issue. I spoke with a representative named XXXX ID # XXXX. She told me that my payment had been returned in XXXX and that from now on Capital One has the discretion to hold money from my account. She then had the audacity and proceeded to ask me what I needed the money for!! Otherwise I would not get the money released unless it was for groceries or gas!! I told the representative it doesn't matter what the money will be used for if I paid the payment I can use the available funds for what I want!! 

I then told her I wanted to speak to a supervisor then XXXX ID # XXXX said, " no worries '' as if to say XXXX you in so many words! I spoke with XXXX ID # XXXX. She stated she would send me paperwork stating that Capital One has the right to hold my available funds at their discretion which makes no sense!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Yesterday XX/XX/XXXX i had recieved a XXXX  deposit for a little under XXXX dollars to my cashapp account. This transaction had be done multiple other times for various amounts between me and the same organization no problems. Then cashapp decided to " review '' this transaction. They essentially took my bitcoin deposit and are almost holding it ransom while providing zero reason or anything to back their actions. I reached out through phone and their chat and can be told nothing other than wait for an email. Cashapp is essentially stealing my money with no justification or reason and im tired of companies thinking they can do whatever they want with zero repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX  account # XXXX began foreclosure procedures about 3 years ago. I and XXXX XXXX XXXX reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with Wells Fargo. The property never closed for the sale. No one from XXXX XXXX will respond by phone or in writing. I want XXXX XXXX to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime. 

Mostly I am certain that XXXX XXXX have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at 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 2021-09-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay services account # XXXX began foreclosure procedures about 3 years ago. I and Fay mortgage services reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with XXXX XXXX. The property never closed for the sale. No one from Fay Services will respond by phone or in writing. I want Fay Services to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime.

Mostly I am certain that Fay Services have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: MO

Complaint narrative:
On XXXXXXXXI sent a letter to XXXX  disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/ I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XXXX Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XXXX XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to XXXX  showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay XXXX  of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following inquiries below need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a Santander credit holder. I made a payment to my account on a Thursday in the amount of {$450.00}. The account was made at a branch in cash but they refused to credit the account immediately as has been done repeatedly in the past. 

Instead, they didnt " apply '' the credit to the account until the following Tuesday and the available credit never reflected a credit of {$450.00}. 

I complained, asked customer service and the branch level to audit the account for my security at which time it was found that two online charges of {$500.00} were attempted ( declined ) one second apart.

I asked for the fraud department to investigate further and was told there was no fraud because the card declined the charge. All they did was reorder another card. 

There was apparently a breach on the card yet I feel the credit company is not doing enough to discover how. 

They have still not fully investigated what I believe to be the {$450.00} missing credit. 

This feels like an aggregious level of financial abuse because the company does not have any concern for it's cardholder feeling as though they've lost out on such an amount.

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 2021-09-06 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
My five credit card account is not delinquent Or derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: MT

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company is currently showing 30 days late for the month of XXXX XXXX, 60 days late for the month of XX/XX/, and 90 days late for the month of XX/XX/ as reported in 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation