vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have called PNC numerous times over the past few weeks to ask them to apply my payment. They continue to hold my payment ( {$2100.00} ) in some suspense account. As seen in the yellow circles, I have made a full payment with my two biweekly payments. You can also see that they typically apply that payment right after they receive both halves. This month they have been holding both halves of my payment for over two weeks. Ive called XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. They still wont correctly apply my payments. 

Their system also undid two separate principal only payments that I made. Once for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both of the screenshots show that I wanted these applied directly to the principal but they reversed it and moved the funds to a suspension account. 

I respectfully request that they correct everything and get my balance updated properly because interest is getting calculated on the outstanding balance. But because they are refusing to apply the payments I sent the interest is being calculated on the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received an email on XX/XX/27 stating I opened an account with wellsfargo, later that day I received an email approving the account and then I received an email stating that the email address was changed. I contact wellsfargo because I havent had a bank account with them in the past XXXX years. I closed all my accounts with them. They told me they were going to freeze those accounts, I recently contacted XXXX as well to report this incident. They also used an old address that I used to live at 8 years ago XXXX XXXX XXXX XXXX, XXXX, NM 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 2021-12-28 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: CA

Complaint narrative:
I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a XXXX rating. I have disputes with Equifax about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.XXXX has left this on my credit report and has damaged my credit. XXXX XXXXXXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet Equifax still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX  attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX  received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX I was told my account was on hold because a suspicious check was deposited into my account. On XX/XX/XXXX I spoke with XXXX XXXX and was told there was an active investigation for deposit fraud. The bank requested that I file a police report and complete the regions ID theft kit, and I completed these in good order. 

I was informed by XXXX XXXX that the investigation was completed, and I was cleared of any deposit fraud. When I went to give XXXX XXXX the paperwork, I was informed my account was closed, and my social security number was flagged so tat I could never open a new account with regions. There were also unexplained fees from the bank that left my account overdrawn. 

I feel that I have been taken advantage of by regions banks as this is the first bank account I have opened on my own, and on XX/XX/XXXX XXXX XXXX emailed me to inform me that him and his XXXX are in agreement that I did not remotely deposit the check and that my identity as well as my online banking were compromised. I should not have to pay for something I didnt do. The bank did confirm in our call today they do not charge other bank customers any fees when they have fraud on their account. 
Please note that I have filed a complaint on this matter with the XXXX attorney general XXXX XXXX office,

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 2021-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been blocked obviously from the bureaus for frivolous disputing after disputing items over and over they block you from disputing that item. So now I have to dispute through the CFPB and the FTC. I know my consumer protection rights I am 20 hours away from my XXXX  degree at XXXX I cant wait to pass the bar. 
I recently received a copy of my credit report and I noticed XXXX, XXXX, and XXXX furnishing accounts on my consumer report that should not be on there. I have directly requested Debt Validation and Proof of Claim documents no response from XXXX. Congress clearly states that they are in violation. I am reciting the law as it is written, since they meaning bureaus and XXXX want to ignore me I will start filing lawsuits for every violation because if Im wrong then congress is wrong. 
( I demand the below accounts be deleted from my consumer report. 

XXXX {$80000.00} XXXX XXXX {$13000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act . 
[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device ; Read the law I did not make this up. 
So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these accounts be VERIFIED and VALIDATED to the last cent or deleted from from my consumer report. 
Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which. 

I Will be seeking {$1000.00} per violation for. 

Defamation of Character Negligent Enablement of Identity Fraud Fair Debt Collections Practice Act 15 USC ( 1681 ) violations Fair Credit Reporting Act 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

Best Regards, XXXX XXXX XXXX XX/XX/1966 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
THE COMPANY ~ SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS ON MY CREDIT REPORT AS OF XX/XX/2021 STATING THAT I OWE XXXX. I DO NOT KNOW WHO THIS COMPANY IS AND I DON'T OWE THEM ANYTHING. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL OR EVEN BEEN CONTACTED BY THIS COMPANY PRIOR TO THEM PLACEING THIS ON MY CREDIT REPORT. I FEEL THAT DURING THIS PANDEMIC ERA THAT THE WORLD IS IN,  COMPANIES ARE TAKING ADVANTAGE  OF CONSUMERS AND DOING FRAUDULENT THINGS TO OUR CREDIT REPORT AND THINKING WE WON'T STAND UP FOR OURSELVES. IT SHOULD BE A LAW AGAINST THIS. AND IF IT'S  ALREADY A LAW IN FORCE,  THEN THIS COMPANY SHOULD BE REPRIMANDED! IT'S NOT RIGHT TO JUST PLACE THINGS ON CONSUMER REPORTS WITHOUT CONTACTING THE CONSUMER PRIOR.  ESPECIALLY IF THE CONSUMER DO NOT KNOW THE COMPANY. OR IF THE ACCOUNT HAS  ALREADY BEEN CLOSED. I HAVE NO IDEA WHO THIS COMPANY IS AND I HAVE NEVER HEARD OF THIS COMPANY UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a continuation of a complaint # XXXX, The account was supposed to be closed by Wells-Fargo but today I received a statement fomr them showing that the account is still open with a zero balance. The WF account number is XXXX. Rtg # is XXXX. 

To reiterate the previous complaint, I did not open this account and did not authorize Wells-Fargo or anyone within their company to do so. I became aware of this accounts existence when WF sent a debit card to me. Since a debit card is of little use to a scammer unless some unsuspecting person deposits money in the account, I believe this is an extension of WF 's history of opening new accounts to receive bonuses even though the accounts were not authorized and the persons involved were unaware of this being done.

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 2021-12-28 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX keep my deposit to cover the balance owed when moving out, but is now trying to collect that same amount and reporting it on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: NC

Complaint narrative:
I have requested for a duct cleaning service with XXXX duct cleaning service, they came and connected with Greensky to pay the amount, they told me if I pay in a year there wont be any additional charges. The person called from his mobile and I have provided all the information requested and accepted that I am going to use their services. 
Very next day I have visited and looked the cleaning service vendor has provided and I came to know they didnt do any services and I have called greensky to dispute the charges. After couple of weeks I didnt hear anything I called Greensky again, they told me who was investigating was on vacation and once they back they get back to me however they lift dispute without informing us. When they follow up they told me they dont have my information that is the reason why the didnt contact me. And they forced me to pay all the amount what I didnt get the service. 
When I called and requested for support they told me that they dont do anything and I am responsible for all the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have had a Target Red Card for over ( 2 ) years now. I have NEVER been late on a payment that was ( 30 ) days late. I signed up for Target Red Card e-statements, and I have NEVER received them. In XX/XX/2021 I initiated a payment for the full amount due to be processed on XX/XX/2021. Target Red Card NEVER initiated that debit from my account, they NEVER sent me an e statement, and NEVER informed me that the payment did not process. The only reason that I know the payment did not process is because I received a 30 day late on my credit reports. As soon as the 30 day late hit my credit reports, I logged in and made an additional payment and paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
We received a gift card for XXXX. XX/XX/XXXX we used the card at a fast food restaurant and the amount taken was more than the receipt. Then at XXXX pm the same day the balance was spent at XXXX department store in NY. We live in the Midwest. I contacted Vanilla Gift Card XX/XX/28 and was advised I would have to call back in 7 days. When I questioned her why this couldn't be handled today. She said the pre Auth has to come off and they will only refund money given back from the retailer. I was questioning why we had to wait when the money was already gone and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I sold my car back to XXXX on XX/XX/2021, and the loan was handled by Bridgecrest. After I sold the car back to XXXX, I was supposed to get a refund from Bridgecrest for approximately {$610.00}.

Initially, Bridgecrest had the wrong address when I called on XX/XX/XXXX. I gave them the correct address and they assured me that the refund was on the way. After not receiving anything, I called them back on XX/XX/XXXX and asked for a status update. They mentioned that the ticket was in a holding pattern and wanted to make sure my address was correct. I confirmed the right address and continued to wait. 

I called again on XX/XX/XXXX, and one of their associates, XXXX, assured me that the issue had been corrected and that I would get my refund in the coming week. I reached back out to Bridgecrest on XX/XX/XXXX. They mentioned that the refund was issued on XX/XX/XXXX and I would receive it in 7-10 business days from XX/XX/XXXX. 
I checked my mail on XX/XX/XXXX, and the check was not in my mailbox. I reached back out to Bridgecrest today, XX/XX/XXXX, and XXXX, from their XXXX department, said that they sent the check to the wrong address again. I confirmed the address with XXXX different people over the last few months, yet they still sent it to my old address. 
If this were to send my payment in late, they would have charged me a ton of interest and fees. I just want my refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: AES/PHEAA
State: MI

Complaint narrative:
Under 15 USC 1681 ( b ) - Permissible Purposes 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 relates.

Fedloan reported information to my consumers credit report without my written consent. No consent is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation