vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 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: NV

Complaint narrative:
On XX/XX/2020, I sent an inquiry dispute letter to TransUnion asking to validate information with these companies and to provide me with copies of any documentation associated with these accounts bearing my signature, authorizing the inquiries pulled from my consumer report. I requested that in the absence of any such documentation bearing my signature, I requested that these fraudulent inquiries be immediately deleted from my consumer report. TransUnion sent a letter in the mail stating that they verified that the information that theyre reporting is correct. TransUnion failed to send and provide me with proof or documents obtaining my signature validating these inquires. They also failed to show me how they verified this information. Recently I received another inquiry I did not authorize. I contacted TransUnion and they refused to help me. I submitted an identity theft report. These inquires are not tied to an open account. Due to the fact that I have fraudulent inquires on my consumer report, I am unable to receive any lines of new credit. I cant no successfully apply for a credit card, an auto loan, etc because of the inquires on my consumer report that I did not give written or oral consent to obtain. According to Title 15 U.S. Code 1681 ( n ), under civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will submit documentation of a recently denied application from XXXX credit card. I was denied because of the fraudulent inquires reporting to my credit file.

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 2021-12-19 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: GA

Complaint narrative:
I recently reviewed a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. TransUnion is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give TransUnion written permission to furnish this account on my credit report. TransUnion is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. TransUnion has received all documents and supporting evidence of this dispute through the mail on XX/XX/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 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
First Home Mortgage has fraudulently chosen to both disqualify the buyer and keep the buyer 's money in the amount of XXXX of the closing costs without delivering the service or enabling the buyer the chance of qualification. The lending agent ( XXXX XXXX ) originally approved the buyer ( XXXX XXXX ) approximately 85,000. credit to purchase a property, in addition to a XXXX grant with a monthly HOA fee of XXXX per month, qualifying the above mentioned buyer approval to purchase. During the process the buyer was working with ( XXXX XXXX ) up until approximately one week prior to settlement when ( XXXX XXXX XXXX the listing agent ), discovered at the end of the contract that he made an error on the listing price of the HOA fee. The fee was changed during the contract from XXXX monthly to XXXX monthly. The change resulted in the buyer not being qualified and XXXX of the funds have failed to be refunded to the buyer and the buyer never received purchase of the property or receipt of the paid closing costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19 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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 2021-12-19 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:
To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX FTC Report Number : 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 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I signed contract with a scam loan company that call them self XXXX XXXX XXXX to get a loan and I need to send {$3000.00} for down payment on XX/XX/XXXX they asked me to send another {$4000.00} for insurance and then they asked to send more so I told them I would stop the loan because I realized that's it's a scam but they don't want to send back the money and they blocked me all ways to reach them out so I got to my bank should reask the wires I do from the other bank but they didn't want to that I show them prove thats its a scam but nothing and I told them you are partners of the crime because they are stealing money from people but nothing ..... 
By the way they asked me to send the money on different business name that called 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 explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Ive had this issue with my mortgage company, Mr. Cooper, for several months. While several attempts were made to correct it, with me pointing out what they did wrong at the start and eventually getting the dollar figure much closer, there now seems to be a problem that causes monthly, incorrect tabulations. I believe they have a system error that isnt allowing backdated corrections. We came close to correcting the problem, see attachment date XX/XX/21, but as months went by the difference between what I say it should be and Mr Coopers calculation started to grow again. 
The issue started in XXXX when I tried to 1. add an additional amount of {$7000.00}, 2. reverse an escrow check of {$860.00}, and 3. increase my additional monthly payment from {$1500.00} to {$1500.00}. I have attached my personal spreadsheet I use to track Mortgage Co statements. The Balance column is my calculations. The Mr Cooper column is what appears on my statements. Note difference was good until XXXX. First attempts shows a difference in XXXX and second in XXXX. 
I have made several attempts to communicate with personal by phone and emails at Mr. Cooper. Many phone calls were made and eventually conversations and emails with two different supervisors. Some of these are attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: CA

Complaint narrative:
The issue i am having is that Experian is continuing to report negative accounts on my credit report that are inaccurate and unverified. I have disputed numerous times via certified mail, phone, demand letter, and online. There is no proof these accounts belong to me even after requesting proof. The following accounts and inquires are listed below and need to be removed asap. 
collections XXXX XXXX & XXXX XX/XX/XXXX {$460.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX & XXXX XX/XX/XXXX {$1700.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} ( Dates are last reported ) Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND AS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Dates are Inquiry date )

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 2021-12-19 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 — Was not notified of investigation status or results
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2021 I the consumer requested Debt Validation 15 U.S. Code 1692g, FDCPA, not verification but validation of said debt. In addition my consumer rights where violated and Im am requesting remedy for violations 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ). I received mail on several occasions which included such violations. TD Auto is attempting to collect on an alleged debt which validation has been been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal illegally froze my account and flat out refuses to unblock my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have had online statements with PNC for months. This XXXX they started a new program called Virtual Wallet and started sending paper statements which I did not opt-in to or ask for and started charging fees for doing so. When asked about it, they refuse to make it right. I have attached my statement showing I was not charged this fee last month in XXXX. This is a new change and a new charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19 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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 2021-12-19 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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My car was repossessed with Santander! I got behind on payments during covid. They gave me XXXX time of covid relief and then after that they said they couldnt help me anymore. Ive spoke to someone last month and she told me as long as i made two payments last month i would be in the clear. I made the two payments. I walked out my house this morning and my car was gone. The last letter I got from Santander was telling me i was preselected for financing another car. I never even got a phone call. I tried calling Santander and they are closed on Sundays! How can you repo someones car in a Sunday and then be closed. I have kids, a XXXX XXXX XXXX grandma. I need to know where my car is so i can atleast scrape together what I can to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: NY

Complaint narrative:
On XX/XX/2021 I was viewing my consumer report # XXXX and viewed a few violations : 15 U.S.Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b As a consumer my rights to privacy, consumer invasion to privacy where violated. In addition no written consent by myself the consumer was given, Please delete the following items 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 Please delete these items pursuant to the above mentioned laws and send me a printed updated consumer report to the address on file

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 2021-12-19 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:
To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank ( managing PayPal credit card ) has placed a fraudulent charge in my PayPal credit card. 
Have have been constantly harassing with phone calls asking to pay something I bought using my PayPal money that is in my PayPal account. 
They call me from the phone # XXXX XXXX XXXX demanding payment. 
I have spoke to them back in XXXX and XXXX XXXX and also this past XX/XX/21. 
When I requested to speak to a manager and confronted him about the fraudulent charges, he came up with the excuse that back in XX/XX/21, I had made some purchases from a XXXX online store named XXXX and the PayPal money account had requested their help. 
I told this manager that the credit card is not involved in any form or way in the mentioned purchase. I explained to him again that I paid with my PayPal money and that the purchase was returned to XXXX in XX/XX/21 because they falsely advertised the merchandise and sent me something I could not use. 
I asked this man to close the credit card PayPal account ( which I never asked for ). 
I want these crooks to stop bothering me and to remove any notice that may have added to my credit report.

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 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Collection Connection
State: CA

Complaint narrative:
The medical debt not my fault they ruin my dad credit alot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: MO

Complaint narrative:
This complaint is towards a car agency by the mane of Carvana. I contacted the company on XX/XX/2021 in hopes of purchasing a vehicle. I applied for the vehicle ; this is where I was told that I was pre-approved. During this time, I was also given terms to where I would have to put a down payment down to finance a vehicle. According to 15 USC 1605 " Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable '' They can not charge me a down payment in the same transaction, where a finance charge is involved. According to 12 CFR 1026.2 ( 18 ) " ( 18 ) Downpayment means an amount, including the value of property used as a trade-in, paid to a seller to reduce the cash price of goods or services purchased in a credit sale transaction. A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is not subject to a finance charge ''. Everything based on this complaint is based in line with the truth and lending act when it comes to consumer. I went out may to ask the young lady who stated she was a supervisor, where their policies governed by truth and lending. She stated yes so, I am willing to produce phone records or whatever I need to produce if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been disputing an inquiry with Citibank NA for some time, and they have come back stating that it is accurate, yet no fprm with my signature or open account was provided.

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