vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: MD

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
UPDATE TO COMPLAINTS ALL OF WHICH THE DEFENDANT HAS FAILED TO COOPERATE & ANSWER WELLS FARGO CONTINUES FALSE NARRATIVE FOR THE SOLE PURPOSE OF INFLATING FALSE INCOME THERE IS NOT 1 ENTITY THAT SUPPORT THE CLAIMS THAT WELLS FARGO CONTINUES TO EVADE IN THE ATTEMPT TO INFLATE MONTHLY MORTGAGE BY NEARLY {$200.00} A MONTH FACTS : 1 ) WELLS FARGO IS BILLING DOUBLE INSURANCE OF STRUCTURE- AS THE MONTHLY HOA DUES COVERS THE STRUCTURE AS WELL- THAT " A DOUBLE WHAMMY! 
2 ) XXXX COUNTY HAS INDICATED THAT THE TAX AMOUNTS IS RELEASED ONCE A YEAR. WELLS FARGO HAS CLAIM TO HAVE TO INCREASE ESCROW BECAUSE OF INCREASE IN TAXES- TWICE A YEAR 3 ) THE TAXABLE VALUE USED BY WELLS FARGO IS EXCESSIVE & AGAIN NOT AGREED TO BY ANY OTHER ENTITY. 

WELLS FARGO MUST REFUND A N EXTREMELY LARGE REFUND FOR THE EXCESSIVE INSURANCE, HIGHER THEN REALISTIC TAX & PROPERTY VALUE IMMEDIATE THIS MUST BE INCOOPERATED & SUBMITTED MONTHLY TO THE PROPERTY ADDRESS AND NO LONGER PAID BY AUTOMATIC BANK WITHDRAWN THAT WAS AGREED UPON WITH XXXX XXXX, ETC.- NOT WELLS FARGO WELLS FARGO HAS NEVER REIMBURSED FOR THE EXCESSIVE COSTS INVOLVED IN 2 MORTGAGE PROGRAMS IN WHICH WELLS FARGO WILLFULLY SOUGHT TO HARM THE APPLICANT. 

THESE PROGRAMS HAVE BEEN FULLY DESCRIBED IN PRIORCOMPLAINTS TO INCLUDE THE LOSS OF {$1500.00} IN EARNEST MONEY WHEN WELLS FARGO FAILED TO CLOSE ON TIME. WELLS FARGO AGRESSIOUSLY HARM THE APPLICANT WITH FALSE NARRATIVE THAT TO DATE HAS COSTS THE APPLICANT OVER {$70000.00} IN REAL ESTATE TRANSACTIONS THAT MILLIIONS OF AMERICANS HAVE PROSPER FROM.

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 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The account is still showing negative on my credit report when it is well after the seven years that it should be reporting. There are two of them both from Capital One, One is Capital One Auto Finance, the other one is a Capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, XXXX. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.

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 2022-03-08 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: MD

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MD

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
( OPPORTUNITY TO CURE ) SOUTHEAST TOYOTA FINANCE has failed to perform after submitting numerous presentments. SOUTHEAST TOYOTA is still attempting to collect on an alleged debt which has yet to be validated. SOUTHEAST TOYOTA FINANCE represented by XXXX XXXX XXXX, have been highly misleading about their practices and have caused serious harm asa result of said actions. Furthermore, SOUTHEAST TOYOT FINANCE illegally repossessed my automobile, when they failed to provide a " NOTIFICATION BEFORE DISPOSITION OF COLLATERAL '' as required pursuant to ( U.C.C 9-611 ). SOUTHEAST TOYOTA FINANCE has now forfeited their " right '' to collect on this alleged debt as a result of said failure stated above. WITHOUT PREJUDICE, ALL NATURAL INALIENABLE RIGHTS RESERVED. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: VA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, Experian and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.

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 2022-03-08 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: AL

Complaint narrative:
I had no balance on my card after my initial purchases in XXXX because I paid it off in full in two payments including one in XXXX for half and XXXX for the other half ( including interest ). I was unaware there was a finance fee charged and additional interest ( {$1.00} ) on a nonexistent balance and I didn't receive any paper statements alerting me of this balance. I had paid in full so I did not check the balance and recently discovered I had accrued months of late fees and interest charges after a paper notice was sent to me months after these charges were applied when no statements of my balance were sent prior to this. This was reported to my credit score and I am very disappointed as I was excited to be an XXXX XXXX cardholder and now it has had a negative impact on my credit score. I have never missed a payment until now and I feel blindsided by the fees and would like this to be removed from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 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: DC

Complaint narrative:
Equifax has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022 I went online and applied for an XXXX  XXXX XXXX which banks with Bank of America. XXXX  was running ( still is ) two promotions : 1. XXXX points if {$3000.00} in purchases are made w/in the 1st 90 days. 2. XXXX points if {$3000.00} in purchases are made w/in the 1st 90 days AND 0 % APR on Balance Transfers for 12 months. I called into BoA, twice, on XX/XX/2022 to get help with the application and confirmed BOTH times that I was applying for the 2nd promotional offer. On XX/XX/2022 I received my BoA card and was reading through the terms and conditions- I noticed there wasn't anything about the 0 % APR for balance transfers so I called in. The 1st rep said : that he didn't see that promotional offer but he'd contact his underwriting department. After a minute on hold he came back and said " if you transfer over the {$15000.00} then what we can do is apply for a 0 % adjustment for you as a courtesy but it's not guaranteed ''. I obviously didn't do that but it's absolutely appalling that a Financial Institution is attempting to negotiate with a customer when they are ones in the wrong. The second rep was much more helpful. She is the one who told me that XXXX was running two promotions and I must have applied for the wrong one - even though BoA confirmed, twice, it was the correct one. She talked to her manager who said " sorry nothing we can do - call XXXX  ''. I called XXXX  and they said, " so sorry but we don't do anything with banking ''. No kidding! I knew that BoA was just trying to get me off the phone. This is completely unethical and honestly super disappointing. BoA pulled our credit, was quick to charge their {$75.00} fee ( the next day - didn't even have my cards ) and now they are saying there's nothing they can do. Where I messed up was I didn't print off the promotion from XXXX  's website when I was applying because I trusted the 2 BoA reps- I should know better as I've been in business a long time.

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 2022-03-08 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: KY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/2022 - I logged into my Navient account to check on my loans. Currently, one of my loans is for XXXX XXXX. I wanted to see if anything was happening with the loan being forgiven. When I checked my loan details Navient has changed the name of the school to another school I attended 3 years later. 
I called them and confronted them about it as I believe this is blatant fraud and an attempt to ensure the loan does not get forgiven by changing the name of the school. 
After spending close to an hour on the phone I was told that the supervisor looked back at the account and that it was indeed an error and they would fix it. 
I asked for a reference number or anything I can use to refer back to and was told they don't do that and it would be a couple of days before it gets fixed. 
I believe they did this in order to prevent my account from getting flagged for forgiveness and seems to be a pretty clear case of attempted fraud because if I did not regularly check my account I never would have noticed that and my account would never get flagged as an XXXX XXXX loan and be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The credit reports say I was late for a payment on my account in XX/XX/ 2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of 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 non-monetary relief