vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 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 got notice from XXXX XXXX I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through XXXX XXXX. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT

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 2021-10-10 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 sent an Identitiy theft report to Experian via certified mail on XX/XX/2021, which they recieved. The affidavit was filed via the FTC which was in the form of an Identity theft report. They sent me a letter stating that they would not block the information I sent to block because they needed the identity theft report but they stated that they had the identity theft report. Federal law of the FCRA requires them to follow managed precedures and since I sent an affidavit reporting identitity theft they have mismangaed procedures in securing my information and furnishing my information to thrid parties without a permissable purpose. As the Consumer I have suffered from their mismanged procedures.

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 2021-10-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my XXXX XXXX but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And experian did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!

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 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: TX

Complaint narrative:
I, XXXX XXXX am a natural person & a consumer. 

I obtained a vehicle from this company & they did not give me full disclosure as far as my right to rescind. In the contract it mentions something about rescission but not completely. I did not receive any rescission forms, and the rescission section was not clear and conspicuous. My rights were not explained to me at all. Its been 2 months since Ive obtained the vehicle & still no notice of rescission. I have written them a letter stating my right to rescind on XX/XX/2021. I received my green notice of receipt on XX/XX/2021 with no signature or date stamp. I received another one that they have hand written on XX/XX/2021 stating that they have received it on XX/XX/2021. They have also violated the finance charge law by taking my cash from a trade in and using it as down payment. Insurance was also not included in this transaction when the law clearly states that insurance is supposed to be included in the finance charge. They have let me know that theyve received the letters, but they ignore it and sent me another bill stating that Ill be in default and could possibly lose my vehicle if I dont make the payment. This has caused me a great amount of stress, I cant sleep through the night because I feel like theyre gon na come and take my car in the middle of the night. This is also a violation of the FDCPA. I fear that they are gon na try and take advantage of me and just ignore my rights like they did at the signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received two Lowes Business Advantage credit cards in the mail from Synchrony Bank on XX/XX/2021 as well as a letter in a separate envelope welcoming me to my new credit account. The account was opened using my first name and " Construction '' in place of my last name. 

As I did not apply for these cards, I called Synchrony Bank at XXXX and opened a fraud case. They informed me that an individual using a lot of my personal information opened the account on XX/XX/2021 and made a number of charges immediately. Synchrony informed me that they have closed the account and will be having their fraud investigators contact me in 7-10 days.

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 2021-10-10 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Booked hotel through American express on XX/XX/2021. American express charged {$370.00}. 

Problem : American express failed to pay vendor resulting in vendor directly billing us, again. 

contact American express leads to phone tree options and no solution. Representative recommend I dispute with hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. 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 2021-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I am who I say I am and no third party is involved with submitting my complaint. 

Santander has threatened to seize my vehicle and has used this threat to attempt to coerce payment from me which is a violation of the cease and desist that I have in place with them. when I called and spoke to the reps about the harassing and abusive letter they sent me they gave me false and inaccurate information and I made them aware that this would be considered an unfair practice under 15 usc 1692f Santander has already committed mail fraud pursuant to 18 usc 1341 and by threatening to take my property is constituting 18 usc 1961 ( 1 ) which is a racketeering activity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXXEFFERSON CAPITAL SYSTEM In my credit I got a debt of XXXX in collections They opened it on XX/XX/2021 That account was opened without my authorization XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent an Identity theft report in the for of an affidavit via the federal governments website ( FTC ) VIA certidied mail. Equifax wrote me a letter in response stating that they would not block the information. Equifax also stated that they needed proof which I gave in the form of an official Identioty theft report for there mismanaged procedures. I am being violated of my rights as a Consumer and for there negligence of non compliance to my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: OH

Complaint narrative:
I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. 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 explanation
Consumer complaint received 2021-10-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to experian supporting my claim to remove the late payments from student loans on my account as they are showing different dates and payment status on the three main credit bureaus, which means this information that they claim to have verified is INACCURATE and they can not report inaccurate information which is now causing harm to me by reflecting my credit score poorly, and that is an embarrassment and is not allowing me to get certain jobs because they choose to continue to report this WRONGFUL NEGATIVE information. Also pursuant to 15 U.S. Code 1666b. Timing of payments they have violated me by reporting late payments on account they have not given me written notice of a payment being due 21 days before due date. I would now like these accounts remove from my credit profile due to the violations and due to the disregard of my request and blatant lying and continuous amount of pain I have been inflicted due to this wrongful reporting.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX, {$250.00} was debited from my XXXX prepaid card from Navy Federal Credit Union XXXX The authorized payment was approved with auth code XXXX. 

At XXXX, per my XXXX account details I was changed an {$250.00} from Navy Federal Credit Union XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both XXXX and Navy Federal in hopes of resolving the duplicate payment error. However, I was advised by Navy Federal they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both XXXX and Navy Federal are violating UDAAP regulations as it pertains to the lack of services received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
Enhanced Recovery Company has a balance of {$930.00} listed on my credit report. However, I was a victim of identity theft in which I never had an account with XXXX and my personal information was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
I am filing about money transferring company detail below : REMITLY INC XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Tel : XXXX XXXX XXXX www. REMITLY.com Money was supposed to be transferred in real time on XX/XX/2021 at XXXX XXXX but the money is not delivered till XX/XX/2021, time now is XXXX XXXX. 

The money was taken out from my bank account immediately on XX/XX/2021 They charged me extra fee as express for in real time transfer and it has been 3 days now that the money is not available for recipient. 

They are not refunding my money or transferring to recipients. 

I made more than half a dozens calls to the company but no results. 

Please look into this matter seriously. 

This company is not trustworthy and should be out of business. 

I suspect that the company is involved in fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: CA

Complaint narrative:
I Disputed 6 late payments entries with all 3 credit bureaus XXXX, XXXX and experian for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX  XXXX  XXXX  and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.

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 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/14. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. Because I know the finance charge is the sum of ALL charges I was not expecting a bill. On XX/XX/2014, Santander Consumer USA sent me a bill which is a violation of 15 usc 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/14 at XXXX, {$250.00} was debited from my Netspend prepaid card from XXXX XXXX XXXX XXXX . The authorized payment was approved with auth code XXXX. 

At XXXX, per my Netspend account details I was changed an {$250.00} from XXXX XXXX XXXX XXXX XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both Netspend and XXXX XXXX in hopes of resolving the duplicate payment error. However, I was advised by XXXX XXXX they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both Netspend and XXXX XXXX are violating UDAAP regulations as it pertains to the lack of services received.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX a Consumer sent Trans Union an official authorized affidavit in the form of an Identity Theft Report from the federal trade commission. Trans Union still has failed to follow procedures they did not block the information they were supposed to for there mismanaged procedures. They are not in compliance with the Federal law and continue to violate my rights. I continue to suffer from thier negligence and failure to comply with the 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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX this request is for myself. I have contacted TRANSUNION multiple times regarding my investigative file. ( NOT MY CREDIT REPORT )! My initial request was made in letter form by mail. I specifically asked that my request not be confused with a request for my actual credit report. I received 2 reports in the mail dated within a day of each other as well as 2 post cards requesting identification for the request. I sent In proof of identity. Once again no file. I submitted a complaint to cfpb and initially it was stated my complaint was being reviewed. I also sent to transunion a bill of particulars for their violations. My complaint was closed within the cfpb without merit.The response stated that I had a request about items on my report my request for my file was never addressed. It was stated that my complaint would be looked into. Transunion is blatantly ignoring my request at this point.

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