vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I AM NOT IN THE XXXX, XXXX XXXX XXXX!!!!!!! See Title 18, Section 241 and 242 Violations ; My Constitutional Rights to Privacy, Freedom of Speech, Freedom of Thought, Freedom of Location, and Free Will were eradicated beginning on XXXX, XXXX, XXXX and is ongoing. I am NOT a clone nor am I a XXXX XXXX. I do NOT have a twin relative, XXXX  or alive. I am NOT a celebrity or public figure. All of my personal identifying information became public knowledge. The breach is ongoing. Between XXXX and XX/XX/XXXX, both my Birth Certificate and Social Security Card were stolen. This include a XXXX XXXX, MO XXXX 's XXXX # XXXX, which expired XX/XX/XXXX. Recently, my XXXX XXXX ID # XXXX, which expires XX/XX/XXXX and my replacement Social Security Card were both stolen by the XXXX Police Department XXXX XXXX, CA. I suspect 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have a couple of items on my credit report that need to be looked, there are four to five car companies. That are a hard inquiries on my report and I do not even have a vehicle, my bank account needs to be looked at as well. Over the last couple of months I have moved to several locations and my social security needs to be monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My rights under the FCRA are being violated. Not only are these accounts not mine. I have not supplied proof under the doctrine of estopple by silence Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Not only that but section 15 UCS 1681 ( 2 ) excludes the reporting of the transactions with corporations.

as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.. 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the 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 explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have a wells fargo auto loan i have made all of payments on time in full. 
I always include an overpayment which I have asked to be applied to principal only The additional payment has NEVER been applied correctly. Wells Fargo simply posts it to the future months payment On XX/XX/2021 I made a {$1200.00} principal only payment, which was applied to the future 4.5 months payments

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 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, The current issue is that Paypal originally processed a sale in the amount of {$1100.00} for an item sold through their sister company XXXX. The customer received the item damaged by XXXX  and elected to return the same. 

Paypal was entrusted to hold the funds, in the amount of {$1000.00}, until they were released by XXXX. 

This amount reflective of a processing fee of {$35.00} imposed by Paypal. 

However, instead of using those funds to process the refund, the amount on hold plus reversing the processing fees in the amount of {$35.00}, Paypal allowed a charge of the original amount of {$1100.00} to my credit card on file. XXXX claimed they fronted the full amount for the refund to the customer, and they secure the full amount from my credit card on file for purchase payments, without my authorization. 

I have requested that Paypal insure that the amount pending, {$1000.00} and the associated fees in the amount of {$35.00} be properly refunded to my bank account of record. Paypal and XXXX have a legal obligation to make me whole as to this order cancellation. 

Please note that as of date of filing this complaint, Paypal has forwarded the {$1000.00} to my bank account, minus the processing fees that give genesis to this submittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I never open any account with this company they do have my name correct but its not me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Two charges of {$9.00} and {$49.00} that happened on Sunday XXXX, Capital One post them like if they happened on Friday XXXX and charges me fees total of {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am still having the same problems that I have reported before. NFCU is taking funds out of my account at will without permission. These funds are state-issued funds for the care of my children and only one of the two sources we have and have had for years. these sources are My SSI and Child support. the only thing we are/have been serving on, which is not very much. To date, they have taken {$740.00} out so far, the latest amount being {$90.00} today that is pending. this is the third complaint this year so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information by their Wording! Experian said that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law states, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must be deleted!

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 2021-02-02 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC
State: AZ

Complaint narrative:
Apparently one of my creditors charged off my account. Spire Recovery purchased the bad debt. I was contacted by a representative from Spire Recovery informing me that she was authorized to collect the payments on my outstanding debt. She told me the amount that was due, I disagreed with the amount. I told her that I would contact the original creditor. I also asked for a debt validation letter. the representative told me that I should have received written notification. I told her that I didn't and asked if she could resend the debt validation letter or email the information to me. She refused. I asked for the company 's address, she refused to give me the address, indicating I didn't need it. She also stated that she was surprised that my account was still in their office because it was now a legal matter. 

On XX/XX/2021 One of the Representatives called one of my friends and left a voicemail. She identified herself by name and said " I am documenting my failure to communicate with our office and provide a documented statement, we are required to update and submit a written refusal to comply with our recordings of our attempt to reach you. This matter will be submitted further the end of the business day on XX/XX/XXXX ''. 

I called this representative and explained to her that I did not provide authorization for her to contact one of my friends. She responded stating that I gave authorization to her client and names and addresses were included in the information she received from my client. I repeated that I never gave her or her company authorization to contact my friends. I asked again for a debt validation letter and was unsuccessful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with XXXX twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
XXXX did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.

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 2021-02-02 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 I received a check from my mortgage company for {$670.00} for escrow account overpayment. They also informed me that my escrow payment would increase by over {$24.00} per month. This did not make sense so I contacted the lender and while their representative was very patient and polite said they could not change the increase and referred me to their mortgage refinance office. I called that office the following Monday ( XX/XX/2021 ) and after being on hold for 48 minutes I had to hang up. I recalled again today ( XX/XX/2021 ) and have been on hold for 1 hour and 15 minutes so far. They are by this action refusing to take calls from clients. I want to refinance my mortgage at the current lower rates but they will not speak to me. I am a XXXX XXXX and believe they are purposefully targeting seniors for abuse. Please help. 
Thank you.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting SANTANDER CONSUMER USA Opened XX/XX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/XXXX, I was notified by Chase of a possible fraud charge on my Chase Freedom Unlimited credit card for {$300.00} at XXXX XXXX XXXX XXXX. When I checked my account, I found that charge as well multiple other charges that I had not made that day and the day before ( all are listed below ) : {$100.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$120.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$300.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$1700.00} XXXX # XXXX ( XX/XX/2020 ) I called Chase and reported these charges as fraud. I told them that these charges were made in XXXX XXXX, Illinois while I was in XXXX, XXXX ( of which I have substantial proof ). Not to mention, I have never been to those stores in my life, let alone on that day. They removed the charges, cancelled my card, and sent me a new one. 

However, they then put all the charges back on my account. When I called to ask why, they said that they had determined that the charges had been made in-person with my chip card, and thus were valid charges. However, that is impossible I was never not in possession of my chip card and was in XXXX, XXXX at the time of the purchases ( as other in-person charges on the very same card on that very same day show ). 

I have now gone through three rounds of escalating investigations to no avail. They have told me there is nothing further I can do besides file a police report and attempt to gain access to XXXX XXXX and XXXX XXXX XXXX security footage, which seems unlikely, though I will try. 

Their latest excuse is that they send me two credit cards back in XXXX, and are claiming that one of them must be the card used to make these purchases, even if I had the other in my possession. However, this is also impossible. I have never been in possession of two cards. When I applied for this particular credit card in XXXX, it never arrived in the mail so I requested a replacement. So even if they did indeed send me two cards, the first one should have been cancelled when I told them it never came and asked for the replacement. So it would be unable to make purchases even under the unlikely circumstance that it was somehow found and used seven months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
On XX/XX/2020, I sent the attached letters to XXXX, XXXX, and Equifax requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect on a Federal Student Loan and has garnished my wages. Despite the implementation of the CAREs act and a freeze on student loans per the Dept of Education. XXXX claims that they are exempt from the CARES Act passed XX/XX/2020 And with Bidens EO. They have refused to remove the garnishment, and they claim they are exempt from Federal Law and New York State Law and will not remove the garnishment or reimburse me funds that they are attempting to collect. I spoke with multiple managers, and there was no equitable outcome. I have paid off nearly 90 % of the value of the loan and the loan was suspended per Federal Law in XXXX 2020 during the Covid Crisis. The company claims they are only servicing the loan and will not work out a solution nor pull back the Garnishment to comply with Federal law. 

https : //www.consumerfinance.gov/coronavirus/student-loans/

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