vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: WA

Complaint narrative:
I logged on to the its get my payment website and it is showing a bank account number which is not mine. 

We scheduled your payment to be deposited on XX/XX/2021 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 


My bank account number ends in XXXX. 

I have called Direct Express about this at XXXX XXXX and customer service said there are no pending deposits nor and pending transactions for my bank account for a stimulus check. 

I am worried that someone may have opened another bank account in my name and had my stimulus payment sent there. 

There is no way to speak with the its on the phone nor do they have an email to contact them to discuss this issue, and Direct Express has no record of any payments send to them, yet the its states they deposited my payment to my bank yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: GA

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In XX/XX/XXXX we purchased a XXXX XXXX with a large down payment and an auto loan from Wells Fargo that would become a nightmare. The bank gave no option for autopaying the loans, so we had to call up and manually process a wire transfer from our bank each month. For some reason, our payments chronically failed to process and the bank never informed us if our payments were late. We ultimately paid off the loan three years early but the payment failed to process for reasons that were never clear, and my husband 's credit score dropped 100 points. I know Wells Fargo has an abysmal reputation for having normalized the types of frauds typically associated with ponzi schemes, but a straightforward auto loan I never had a problem paying did not seem to be the sort of product that would invite abuse and predation. Boy, was I naive. Now we are trying to buy a home and our credit has been destroyed by this XXXX loan we never even needed.

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 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor SoFi Securities {$1100.00}. The debt was then purchased by XXXX XXXX 

I had no prior knowledge of this debt and contacted SoFi Securities for the background. I learned from SoFi Securities that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX  XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to SOFI Security. 

In XXXX, I received a fraud packet from XXXX XXXX XXXX, a collection agency that is related to XXXX XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from XXXX XXXX XXXX stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a BB & T account a year ago that I opened In XXXX XXXX Florida. I closed the account I. XXXX 2020. 
I recently discovered through the IRS that they stole my Covid 19 payment instead of sending it back to the IRS.

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 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently obtained copies of my consumer report and noticed unauthorized inaccurate items reporting. I am well educated and highly intelligent and am very well aware of my rights as a consumer. The fair credit reporting act requires that you, the credit reporting agency, report accurate and or/correct account information within my credit file. These accounts do not belong to me. This means that you are reporting inaccurate information within my credit report. It is with this in mind that I request that these listed accounts and items be removed immediately. Pursuant to the FCRA Section 1681 c ( 2 ) Block of Information resulting from identity theft, you are required to block any information in my consumer file that is a result of identity theft, not later than four ( 4 ) business days after the date of receipt by such agency.

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 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. XXXX XXXX XXXX  has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXXPhoenix Financial Services has failed to respond. These charges are fraudulent, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have starved behind chime bank taking my money and not releasing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Since XXXX of 2020, approximately 6 months, I have been dealing with an issue with Specialized Loan Servicing which is owned by XXXX XXXX. I have reached out to the company several times with no solution to my problem. I have spoken to many supervisors from the Tax Department with no solution in site. When I do connect with someone I hear the same response that " We have not heard back from the county yet. '' It is impossible that the county has not responded in 6 months. This company paid the wrong tax pin/real estate tax bill in XXXX of 2020 on the incorrect property. This, in turn, affected my tax escrow account and created a shortage of {$4500.00}. My current total mortgage payment increased and has still not been fixed due to their error. Please help.

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 2021-01-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account was to be in no payment status ( deferment ) due to COVID-19 until XX/XX/2021 when amount that is owed on account what become due. In XX/XX/2021 when I called to make payment I was advised that the account is past due over 4 months. The creditor ( CHASE Credit Card ) is incorrectly and erroneously reporting the amount as past due when it should not be and was in fact placed on deferment by CHASE during the COVID-19 Pandemic. I contacted the company multiple time in XX/XX/2021 to request that the incorrect and erroneous credit information be immediately removed from my credit report and the bank does not complete an investigation to resolve this matter. Instead I am told within a few minutes on the phone that they determine that the information reporting is correct. Furthermore they did not provide the results and reasons for their decision in writing or properly escalate or investigate the matter. They are a predatory company that does not care about their customers and the fact they refuse to correct the information is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: TX

Complaint narrative:
Dispute submitted to XXXX, XXXX  and TransUnion on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of 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 explanation
Consumer complaint received 2021-01-06 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: TX

Complaint narrative:
Dispute submitted to XXXX, Equifax and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I recently obtained copies of my consumer report and you are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully furnishing hard inquiry data on my XXXX XXXX consumer report without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with Navy FCU. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with Navy FCU for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute submitted to Experian, XXXX  and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of 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 explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has been taking XXXX dollars out of my account every month for approximately the past two years because of a low balance in my savings account. I called the company and they only gave me XXXX dollars back.

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 2021-01-06 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I consumer XXXX XXXX, natural person entered into a consumer credit transaction with Commenity Bank/Victoria Secret. A consumer credit transaction is a transaction which a finance charge is involved, pursuant to 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because of this, I was not expecting a bill, Commenity Bank/Victoria 's Secret continues to send me a bill which is a violation of 15 USC 1692 B as it relates to my privacy rights. Commenity Bank/ Victoria 's Secret has caused me grave emotional distress before and during COVID and this is also harassment pursuant to 15 USC 1692 D.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NY

Complaint narrative:
as previously notified, I am a victim of 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 explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
The loan was paid off XX/XX/XXXX and they reported it XX/XX/XXXX 30 days late for XXXX dollars that caused my score to be effected they also still show I owe a balance and the loan was paid off when I traded the car in. This is not right and they wont update 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 2021-01-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX Potentially Negative Status Repossession. {$11000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$5100.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Potentially Negative Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Account Type Utility Balance {$240.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute

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