vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested Transunion to re-investigate my account with XXXX XXXX XXXX  Account # XXXX Transunion responded that it was verified that the account they are reporting under my name is accurate. Transunion failed to respond to my re-investigation within 30 days. 
I requested a re-investigation for the following reasons below : Dispute Reason INACCURATE Credit Reporting 1 ) ON TIME payments XX/XX/XXXX through XX/XX/XXXX. 
How am I 90 days LATE XX/XX/XXXX and 120 days LATE FEBUARY XXXX? 
2 ) ON TIME payments XX/XX/XXXX through XX/XX/XXXX. 
How am I 90 days LATE XX/XX/XXXX and 120 days LATE FEBUARY XXXX XX/XX/XXXX? 
XXXX I was also under Title 10 Military status and fall under Servicemembers Civil Relief ACT ( SCRA Act of 2003 ).

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 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have submitted disputes before with TRANSUNION directly to them. However to no avail. After learning the laws that protect me as a consumer I am now executing my rights. TRANSUNION violated 15 USC 1681a ( 2 ) ( b ) as the items listed on my letter should be excluded from my consumer report. Additionally, I have included my written instructions for my consumer report. Lastly I didnt consent to having a FICO score.

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 2021-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I currently lease an XXXX XXXX and went to trade it in early with a XXXX dealer. Infiniti informed me that they changed their 3rd party trade in policy. I never signed a contract stating that I agreed to that as the change happened XX/XX/XXXX my lease began XXXX of XXXX. They are telling me I am only able to trade in my infiniti to a Infiniti or Nissan dealer, the problem is theyre all giving $ XXXX less than XXXX bc they realize I have no other options. This is completely unfair to a consumer to be able to lock us into something we did not agree to and to low ball vehicles bc they hold the upper hand. Infiniti needs to be held liable. I was also informed by several dealers that they are doing this bc of the pandemic and new cars being scarce due to the chip crisis. They want all their vehicles back for personal gain although they lowball you in doing so. This is crooked business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never granted permission for these inquiries Listed Below. That would make them unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like these removed IMMEDIATELY for it is in violation of the FCRA 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 2021-06-12 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: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

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 2021-06-12 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

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 2021-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America closed my credit card, they did not mention why. I called them and stated there's nothing they can do to reinstate the 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 2021-06-12 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: AFNI INC.
State: NY

Complaint narrative:
i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. Due to Covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Freedom Mortgage Corp should not have them there.

Freedom Mortgage Corp, declined to assist me with this matter, disregarding the law, Congress put in 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 2021-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
I noticed a collections charge on my credit report and tried to dispute it with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX Toll free ( XXXX ) XXXX Fax XXXX XXXX XXXX XXXX, XXXX CA XXXX I have received no response. I contacted Huntington Bank and they have no record of the account or money owed as well. I asked about this XXXX XXXX XXXX XXXX and they have no record of using them. They have not returned my numerous calls, letter or contact. It is on my credit and that is not good for something that is not mine. I have been with XXXX XXXX for over 10 years and do not have a Huntington Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This XXXX bank shows no interest in securing credit card payments made by me over the phone. Because I don't have a bank account with them I need to go thru some person they've hired to take my payment which means I have to give my personal checking account information to some low level employee who does that job. We all are aware of their prior hiring problems. I tried making another payment today XX/XX/XXXX and ended up with an employee working from home who was recording my call. When I told her she would need to turn off her recording when taking my payment she couldn't do that so I was stuck on hold for about 15 minutes while she tried to escalate the calm to someone else. I was not able to be connected to someone else and now might be charged a late fee. There is no excuse for someone recording my bank account information. And there is no excuse for my not being able to execute this transaction automatically over the phone. I've told them many times already this process needs to be automated but they are too cheap to do so. Or they are more interested in trying to get me to open a bank account with them then in ensuring my financial security. Either is inexcusable and they need to be warned to invest in the technology so that any payment by anyone can be made over the phone using an automated system. One can't trust sending them payment by mail anymore as long as XXXX remains the XXXX XXXX either.

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 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My FICO scored dropped from XXXX to XXXX ( TransUnion ) and from XXXX to XXXX ( XXXX  ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.

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 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I wrote Transunion to update information that is reflected under my social security number. This letter was received on XXXX, 2021 via USPS signature mail receipt attached. Transunion is reporting XXXX Account XXXX and XXXX XXXX Account XXXX incorrectly. These two account should be reported as PAID. 
Transunion has failed to respond to my letter within 30 days. 

XXXX Account XXXX Account Status should reflect PAID update or delete immediately Comments should reflect PAID update or delete immediately Payment Status should reflect Current update or delete immediately XXXXXXXX XXXX XXXXXXXX Account Status should reflect PAID update or delete immediately Comments should reflect PAID update or delete immediately Payment Status should reflect Current update or delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank on behalf of Wayfair card has given me so many issues while my card tenure with them. I finally paid off this card in full back on XXXX. They charged me interests during a month my card had already been paid off, then charged me a late fee over the already false interest charges. I have tried to get a representative in the line to help me but they never pick up the phone. The amount of money is minimal but I had already paid about this same amount as shown in the attached statement and besides that now theyve marked my account late when I didnt even owe anything. Please help me get this remove from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
XXXX was stuck in door on XX/XX/2021 from Cascade Capital , Llc. on a debt that was purchased from XXXX XXXX XXXX XXXX. The amount being sued for is XXXX. The statute of limitations in Louisiana to collect a debt is 3 years. Signed contract and promissory note of debt owed to Cascade Capital Llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 my account was hacked and 3 transactions were withdrawn from my account. {$1000.00} XXXX {$1500.00} XXXX and XXXX wire. I'm and XXXX year old man and have never done any wires or XXXX transactions before. I was never contacted by the bank to alert me to the activity and I thought I had filed a claim, but never received any paperwork to confirm it was processed. I went to the branch on XXXX and was the would process a claim. I later called the dispute center and was told the XXXX payments were denied because they could not reach me. This is false I was never contacted and I'm still within the 60 days to dispute the transactions, but I keep getting misdirected on next steps. I spoke to family and Im suppose to be able to file a REG E claim and no documents were every provided to me and no confirmation of my claim. Not only am I being taken advantage of my the people who commit fraud, but also my bank that is suppose to protect my money. The ref numbers I had to call and fight to get to confirm I have some claim is XXXX and XXXX. I was told by family that a REG E claim I should be credited within 10 days on my dispute and I have not received paperwork or a credit for the claims totaling {$12000.00}. I don't know how in the world they could process a wire without ever contacting me. My credit union procedures have measures in place to do call backs and confirm the transaction. NOTHING has been provided to me while I sit and worry about how to get this money back. I believe they are in violation of REG E as they have not provided me any documents for my claim, I had to call 8 times to get the ref numbers. They are taking advantage of my age and the fact that fraud was committed against me and my money was stolen and they did nothing to protect me. I was not aware these transactions were taking place in 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 2021-06-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a call from Citibank on XX/XX/2021 asking about charges made on my account, I was traveling in Florida for work and did not make the purchases. I had the card in my possession and they closed the card told me to cut it up and they re-issued a new card. I have since been trying to get the charges removed, there are three charges totaling XXXX. I have sent them airline tickets, hotel bills for the week that I was traveling for work. I was with 7 other people who confirmed my attendance in Florida and they still have not removed the charges. They sent me a letter saying it was because someone used the card reader, I have asked for video of the person who used my card when I had it. I am still arguing with them and it is on my credit report. I did not make these charges and it is not even in my area. I need help getting them to remove these charges.

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 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My interest rates are high. I called the companies trying to get a better rate. My credit score is XXXX and I am paying 25.24 % and 21.24 %. When I started with these companies it was 0 % for a period of time. I have always paid my bills but I did not pay close attention to the interest rate. I never expected to get the highest rate but I did. I believe I got this rate because my city is redlined. I am XXXX living in a XXXX area of the city. My husband rate is 20 % and his credit score is XXXX. We both have good jobs and are still work and retired. It not that we can't pay we just want to be treated like everyone else in the country.

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 2021-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I XXXX XXXX a consumer sent a good will letter to said company Comenity Bank XXXX XXXX ) asking for a removal of late fee that happen XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX during the pandemic. These negative reporting has caused me a low credit rating as well as not enabling me to create credit for household purposes. I have been with Comenity Bank since XX/XX/XXXX and have worked diligently to stay ahead of all payments. This comapny never sent me anything in writing warning me that they were going to add these negative remarks on my credit UNDER 15USC 1666a correction of billing Comenity Bank never sent me any lettters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I asked TD bank to assist me in refunding my money from a scammer that coerced me into sending money through what I believed was a job offer from indeed which I applied to. I was given a check for XXXX which I thought was a sign on bonus only to discover it was false after I sent the money back through XXXX because I wanted to decline the offer. I got the check XX/XX/XXXX and deposited it XX/XX/XXXX. A day later I discovered the check was not a valid check and that I was a victim of fraud. I am out of XXXX from the initial sent money plus XXXX from an overdraft I had to deal with as a result of the deception. I immediately contacted TD bank to notify them and ask if theres anything that can be done and they essentially said that theres nothing they can do even after they quickly agreed it was fraud, even though the method I used to transfer the money is from XXXX which is linked to the TD bank mobile app which made me feel safe thinking they had my back if anything happened. To make matters worse I recently lost my job so I have no way of quickly recouping my loss. As a result of this outcome with the bank and general situation, Ive spiraled into a XXXX and havent even been able to leave my bed for days because I feel abandoned and discarded by my bank after I used their official mobile app thinking that in the event of any possible fraud, I would be protected rather than the scammer walking free. I have screenshots from the conversation with the scammer who I thought was a recruiter from indeed as well as any bank transfer information needed.

Company response to consumer: Closed with explanation