vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: IL

Complaint narrative:
This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached information it has my full complaint and proof and evidence that I have been discrinimated against.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and despite sending a written request the unverified collection ; RADIUS GLOBAL SOLUTION ( Original creditor : XXXX XXXX ) with account number XXXX still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus is investigating properly before posting derogatory information. Please remove this damaging file on 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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
In XXXX of XXXX I received my escrow analysis for XXXX. According to the NewRez LLC, estimated property taxes for the year XXXX are {$4200.00}. I received my Property Tax bill from XXXX XXXX for XXXX totaling {$2200.00}. This is a GROSS overcharge by the mortgage company of {$1900.00} for the year XXXX, which is reflected in an increase to my monthly payment on the mortgage of {$110.00}. I have contacted the company for My loan was refinanced recently and this company owns the loan. As I said, it is a gross overcharge that needs to be rectified ASAP. 

My intent for this letter is to notify the CFPB of the situation and the public that this company could be defrauding its consumers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have been trying to receive a copy of my recent payment history with Barclays Bank Delaware, due to the wrong amount owed showing on my credit report. I have made several unsuccessful attempts to have a payment history either mailed or emailed to me. Each time I've called I've been transferred back and forth between customer service reps after waiting on hold for 30 minutes or more. I want this information in order to have my information updated on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I HAVE BEEN UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT AS OF XX/XX/XXXX MY FILE WAS DEEMED COMPLETE AND MY TRUSTEE SALE DATE OF XX/XX/XXXX WAS PLACED ON HOLD. I WAS TOLD BY XXXX THAT SINCE MY FILE WAS DEEMED COMPLETE AS OF XX/XX/XXXX I COULD EXPECT A DECISION NO LATER THAN XX/XX/XXXX. I HAVE BEEN CALLING TWO TO THREE TIMES A WEEK TO CHECK STATUS ON MY CASE. TODAY I AM TOLD I HAVE AN ACTIVE TRUSTEE SALE DATE OF XX/XX/XXXX. I ASKED WHY? CONSIDERING MY SALE DATE HAS BEEN ON HOLD BECAUSE MY CASE HAS BEEN UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT AS OF XX/XX/XXXX. I WAS TOLD THE HOLD WAS LIFTED AND THE SALE DATE IS ACTIVE FOR XX/XX/XXXX. I ASKED WHY? AND THE REPRESENTATIVE SAID THEY DO NOT KNOW. IF I AM UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT THERE IS NO REASON WHY THE SALE DATE IS NOW ACTIVE. UNLESS A DECISION HAS BEEN REACHED AND NO ONE IS TELLING ME WHAT THE DECISION IS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Did a XXXX grocery order to pick up. Done many prior and never had this issue before. Usually they do a pre auth then after I pick up order the pre auth becomes the charge. No issues. Well yesterday XX/XX/2022 i did an order and I used paypal to pay because I did not have my debit card on me. My payment type was still using my bank debit card. Pre ath showed on account like usual. Went picked up items didnt think anything of it until I get a bake alert for overdrawn account. Turns out paypal charged my debit card without releasing the pre auth. So now I'm overdrawn and have no way to get any money for gas etc ... instead of the XXXX I had for groceries I am getting charged XXXX. I never was informed that I need to have double the purchase amount in my account to cover the pre auth? Called bank and they said paypal has a hold on the XXXX pre auth until XX/XX/XXXX. So XXXX  days in the negetive with other small XXXX purchases etc already coming out. Im gon na have massive overdraft fees on top of not able to go to work or appointments because I was counting on the remaining XXXX in my account to cover me. Trued contacting paypal but its a joke to actually get a response without XXXX hour wait. How come the pre auth doesn't remove after purchase. There us no reason for it!!! I swear paypal does these things to earn interest off other peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
Equifax is reporting me deceased due to that Im having hard time getting loans. I submit it a complaint in XX/XX/2021 and never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor Sears. I have received no response from them and/or no proof to validate their claim. 

They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor Sears. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: WI

Complaint narrative:
Bank of the West is not closing my checking account despite repeated requests. I am being charged a monthly fee for the active account. I sent a secure message on the web portal on XX/XX/XXXX to close the account. On XX/XX/XXXX, they replied and said that the account will be closed in XXXX business days. However, the account is still open and I was charged $ 10 monthly service fees on XX/XX/XXXX, XX/XX/XXXX, and a {$30.00} fee on XX/XX/XXXX. I sent them two more messages on XX/XX/XXXX and XX/XX/XXXX but they have not responded. I called several times and was unable to reach a customer service agent due to long wait times. The fees on my account made my account balance go negative and now I am getting messages that my account may be reported to credit agencies.

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 2022-02-01 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK REFUSAL TO RECTIFY MISREPORTING OF INFORMATION THAT IS INACCURATE TO THE MAJOR CREDIT REPORTING BURAEAUS DESPITE NUMEROUS ATTEMPTS, TD HAS NOT RESPONDED. CHARACTER DEFAMTION AND NEGATIVE IMPACT ON QUALITY OF LIFE DUE TO THIS INACCURACY AND LOWERING OF CREIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius global solutions LLC will not delet a medical collection from my credit report and it has been paid in full on XX/XX/2022. I have had other medical collections deleted from my credit report once paid in full because it was a medical collection. The collection shouldn't have even been reported as XXXX XXXX didn't even run my insurance which would have covered the services. I paid the collection regardless so it would be removed from my credit report. I spoke with XXXX on XX/XX/2022 from Radius Global solutions and because of their company policy he didn't even want to discuss the credit reporting policy of the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: NJ

Complaint narrative:
I paid a charge-off in XXXX and started to dispute it on XX/XX/XXXX to request it be deleted and I never got an answer from TransUnion. I have submitted disputes XXXX more times since, on XX/XX/XXXX and XX/XX/XXXX. Still, to this day, no response!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CarMax, Inc.
State: GA

Complaint narrative:
CFR Violations This correspondence is in regard to violations of Coded Federal regulations committed by CARMAX. I, XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as stripping my comfort and jeopardizing my security. It is inconsolable to learn that CARMAX does not operate with integrity. 

This correspondence is also in regard to adverse action committed in XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ).

These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspiracy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I have had accounts with NFCU since XXXX. I have logged into my online account since XXXX, and used XXXX XXXX XXXX for logging in and all my browser use since XXXX. It refuses my login after 16 years of my logging in : it has trackers installed. These trackers include XXXX and XXXX and XXXX. ( See attached screenshots. ) This is underhanded, violating privacy, and should be illegal for a financial institution. It apparently wants me to disable my tracking blockers. I have exclusively used XXXX or other XXXX XXXX since XXXX. The FTC even has several web pages on how to protect privacy in four different browsers. Since XXXX or earlier, NFCU login page has intermittently refused to allow me to log it. See attachments including rejection message. I had not previously had trouble logging in. I have called with a complaint to NFCU at least once. They did nothing but tell me to use XXXX  browser or restart my wi-fi : XXXX XXXX has worked for XXXX years of my use. I reported it to the XXXX with no response. The login rejections have become more frequent. I refuse to disable my ad blockers and tracking blockers. NFCU 's response to use XXXX because its programmers flunked everything but XXXX in high school is unacceptable. XXXX  violates privacy. Its other responses to reset my computer and wi-fi worked intermittently, and now do not work at all, and are an unacceptable " solution ''. I attach several screenshots of my blockers blocking XXXX trackers, XXXX trackers, XXXX analytics, XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. It is unethical for any financial institution to have XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX ads and trackers. That is a reprehensible practice by any institution, but even more suspicious, unethical and criminal when practiced by a member-owned financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was a victim of the XXXX scam and Wells Fargo is telling me they will not be returning my money. I was scammed {$1000.00} from one account and {$10000.00} from another for a total of 11,000. The scammer called from the customer service number of the bank which I have a screen shot of and stated if I didn't enter the codes provided that a scammer was going to get my money. 
I first got a text asking if I approved a transfer and then I got a call from the banks customer service number so I believed I was talking to the banks fraud dept but in fact it was a scam. By the time I felt uncomfortable they had taken my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: VW Credit
State: CA

Complaint narrative:
I held a lease with Audi Financial XXXX VW Credit and the lease was cut short six months early because of a vehicle accident in which the XXXX XXXX was totaled. Instead of acting fairly with me in the event of this accident, the company did not offer me to get a vehicle swap after the accident ( despite that being part of my lease ), nor did it give back a car payment made one day before the accident date at a prorated amount. It kept the entire payment on the grounds that it was my contractual obligation to pay them even without use of the car. The company offered no legal reason for keeping that car payment. It also kept more than {$10000.00} in overage fees paid by my insurance carrier, despite a clause in the vehicle lease that states I would be entitled to the overage payment in the event of a total loss. The company said they are the owners of the car and therefore get to benefit from any overage, so they in essence profited from my accident. The company 's own salespeople were shocked by this treatment. 

In addition, the company said that it could not take my bank off its autopayment service, so I would have to keep making payments for the car even though it was paid off in full for the car by my insurance carrier. Instead, it referred me to its web site to stop the autopayment function. Yet it's web site did not work and there was no way to unhook from its financial autopayments on the site. A woman at Audi Financial said she would mail me a form to get off autopayment and that form took two weeks to arrive ( past the date of the next scheduled payment for a car I no longer used ), so the company is doing everything in its power to keep cashing checks instead of looking out for its customers. When I asked for a number to complain to the company, a representative gave me a special number. When I called, there was a XXXX hour wait to reach a human.

Company response to consumer: Closed with explanation