vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My XXXX 's credit card was paid in full from XXXX to XXXX. i logged into my mobile app early XXXX to do some shopping and noticed that there were 2 charges on my credit card that i did NOT complete/authorize. There was 1 for {$400.00} something and another for {$16.00}. I reviewed the transactions and it said it was being delivered to someone i do not know in Virginia ( I believe that was the state ). These were FRAUD charges. I contacted Comenity to dispute these in XXXX, and i spoke to a representative that stated that he resolved the issue, and that the charges would be removed from my account. He instructed me to update my passwords which i did, and i also removed my credit card number from my mobile app. At this time in XXXX, i assumed everything was taken care of, however that was not the case. The representative took care of the {$400.00} charge, but with the {$16.00} charge, decide to only credit {$11.00}, leaving a {$5.00} balance on my account! Why?? Comenity has been contacting me daily and i have explained multiple times, that this is an error on their part, and that those charges were fraud. They have been harrassing me with multiple calls daily, and when i do answer and talk to a representative they argue with me that it was not fraud and that i need to pay it. They are refusing to help me.They are now charging me late fees and interest, so this balance is now at {$50.00} something dollars. Every time i talk to a representative i don't get anywhere! And there have been multiple times i ask for a supervisor and they " transfer '' me only to then disconnect the call. I need this to get resolved because it is affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2018, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX, XXXX I dispute with XXXX the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Have been a client with chase since XXXX. Opened a checking and savings account in XXXX and deposited a certified cashiers check from XXXX XXXX in the branch. Funds were made available and I moved them into my savings account. A day later my accounts had been frozen and then closed. I was told by chase they didnt have to tell me why and would mail me a check after 30 days. I had to fight with them for a week to get my lifes savings. The bank showed no remorse and I still do not know why they treated me with such content. I remember feeling ashamed and embarrassed. It seemed like all hope was lost until I was able to come across someone at the deposit/risk department who coordinated with the branch were I deposited the check to get my money back. I will make note that not even the branch employees understood chase reasoning and couldnt give me an answer as the risk team at chase would not reveal that information. Nothing like feeling left and discarded like trash at your worst moment when your down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries which are fraudulent

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 2023-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2023 in XXXX, GA XXXX Delivered, Individual Picked Up at Postal Facility XXXX, GA XXXX XX/XX/2023, XXXX XXXX  On this date Equifax received my dispute letter and as of today have not responded according to law they have 30 days to respond and have not done so ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I had submitted my Financial Hardship Paperwork to my mortgage company, Selene Finance LP in XX/XX/2023. My husband and I were both temporarily laid off until XX/XX/2023 and explained this in our documents that we supplied to Selene Finance. Despite their written and verbal confirmation of receiving our documents for the Covid-19 Forbearance, they have refused to work with us, refused to process the forbearance, and stated multiple times that they are not required to process the Forbearance under Covid-19, despite the fact that our financial hardship is directly related to loss of income from Covid-19 as well as the fact that the paperwork we submitted to them was during the Covid-19 National Emergency, while it was and still is in place. In addition, Selene Finance has been reporting our late payments as delinquencies to all the credit bureaus, XXXX, XXXX and XXXX, resulting in severely damaging credit scores. We have been yelled at by Selene Finance LP employees for months without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: OR

Complaint narrative:
This loan was fully paid off on XX/XX/23, under a re-finance agreement with XXXX XXXX XXXX XXXX ( NFCU ), and as of today ( XX/XX/23 ) VW Credit has not released the vehicle title to myself or XXXX. 

I spoke with VW Credit on or about XX/XX/23 to confirm receipt of the payoff amount and to inquire about the title. At that time they indicated it would take 2 to 4 weeks and the title would be mailed directly to XXXX. 

I spoke with VW credit again on or about XX/XX/23 and was told it was " in processing '' and would be mailed directly to XXXX within the next two weeks. 

I was informed today by XXXX that they have still not received the title from VW Credit. I called VW Credit again. They now they blame a " vendor change '' for creating a " backlog '' of title requests. They can not provide me any timeframe for when I can expect the title to be released. They now say the customer service representatives from the prior phone calls should not have offered me any timeframe because of this " vendor change. '' XXXX has a policy requiring receipt of the vehicle title within three months of loan origination, which in this case was XX/XX/23, the delay between that and the payoff date being attributable to time-in-mailing. If the title is not received by the end of this three month window the loan will be converted to an unsecured product at a significantly higher interest rate. 

I have shared this fact with VW Credit and they still refuse to expedite my title or provide a timeframe for when we can expect it to be sent. XXXX XXXX 's policy is not unreasonable, XXXX months should be sufficient time for the title to be released and mailed to them. 

I am deeply concerned that through no fault of my own or XXXX 's I am going to be left on the hook for thousands of dollars in additional interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
About XX/XX/XXXX I called Navy Federal Credit Union about a home equity loan. 

I was transferred to Mortgage department and spoke to a man who gave his MLS #. 

I said there is a first mortgage and another lien. When he asked what was owed on the other one I said about {$10000.00}. When he asked what was the original amount I said about {$40000.00}. I then explained no payments are due on that lien as it was structured where after 5 years it would be paid in full. Each year the amount would be forgiven by 20 % until year 5 where balance would be reduced to XXXX. XXXX is the start of year 5. Its paid in full around XX/XX/XXXX. 

XXXX XXXX sent me an email requesting two different items. 

Per XXXX on one occasion the underwriter wanted proof I was a telecommuter employer with a letter from my manager. 

On another occasion after I sent documentation showing my HOA fee had been paid, XXXX said the underwriter was requesting a formal letter from my Homeowners Association on the HOA letter head. 

I went online and emailed her the standard document from the HOA website. I then called her and she said Oh Im reading it now. Ok this is fine. 

She NEVER sent it to underwriting. It appears underwriting did not request any of those documents. She did this to delay the long process. Unethical. 


On XX/XX/XXXX I received a call from XXXX XXXX who stated she was setting the closing up for week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX called and said the title was denied due to a silent lien on the property. I explained that lien was disclosed at the time the application was taken. She said Im sorry you was misinformed. Navy Federal made the mistake. I was disclosed the lien at the time the application was taken. 

XXXX who seemed giddy almost laughing said the title review shows a balance of {$43000.00}. I said the title review is wrong. 
XXXX then stated the only way to do the loan was for the customer to agree to increase the loan amount by {$43000.00}. I said that makes no sense when the amount owed is {$10000.00}. This has got to be illegal. 

I asked for a supervisor she said shes busy. I asked to be transferred to her voicemail she refused to transfer the call. 


How many other customers have they done this to?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: AL

Complaint narrative:
I called Transunion twice over the phone and spoke with representatives who told me that for them to remove unauthorized inquires on my Transunion credit report, I had to contact the bank and get them to send me a letter, than send Transunion a letter. The other option was to file a police report. I told them it was against the law for them to deny this service as unauthorized inquires were affecting me and my credit profile. This is against the law for them to deny this upon request.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-19 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Back in XXXX  i was trying to purchase a condo, they told me if I dont make an arrengment with them of payment my credit has gone to badbebt credit burue I had to make payment arrengment with account that I don know about nor they show mw proof of account due by me and it was reguested am still paying to Porfolio collecting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.

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 2023-04-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2023-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On the Experian.com it states that " The federal law prevents a debt collector from : Discussing your debt with anyone except you and your spouse, or an attorney representing you. A debt collector can, however, contact other people to obtain your phone number, address or workplace information. '' In my case the original creditor is XXXX XXXX XXXX XXXX, I did not give them any permission to discuss my debt with XXXX XXXX XXXX and now Experian is reporting this on my credit report. It also says on their website that " If a collection agency has been unable to recover money from you, it can resell the debt to another collection agency. However, the debt will retain the original date of the delinquency. Therefore, the collection agency can not report old debt as new debt. '' Well the original dates of these debts are from XX/XX/XXXX and XX/XX/XXXX but on my credit report is says the date opened was XX/XX/XXXX. So if a collection agency can not report old debt as new debt this should be removed from my credit repot 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy Account : US BKPT CT AL XXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter out on XXXX XXXXHere is the attached letter, however, the credit bureaus failed to remove the one that did not response in 30 days or those that failed to provide proper documentations to show ownerships. 

According to the law 15 U.S CODE 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-18 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}

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 explanation