vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have an XXXX XXXX credit card, administered by Barclay Bank. On this card, from XXXX - XXXX, 8 charges to XXXX were made, totaling {$1600.00}. I immediately called Barclays fraud number listed on their website, where the person told me to destroy my card and she would report it. She didnt. 3 weeks later, I called again, and had the same experience. 3 weeks later, I called again, and this time the lady actually reported it to the fraud Dept., but apparently only the last charge of {$13.00}. The fraud Dept., based upon all the other XXXX charges, denied there was any fraud. 2 weeks ago, I sent them a registered letter to the address provided on their denial, and included all of my XXXX charges, the list and details on all the charges, and pointed out again, Although I purchase a lot from XXXX, I have a dedicated XXXX XXXX card that is used for all of my purchases. 
I have bought nothing from XXXX on the Barclays card for at least the last three years. 
I have heard nothing back, except now I am getting dunning calls every day.

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting inaccurate and incomplete credit information. The credit report Experian provided shows a history of payment or payments being made late that are not proven and are incorrect. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber , USCA-02-C-0072, 7th Circuit Court , Sept. 2004.

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I just received a phone call from XXXX XXXX, XXXX  the party hired by JP Morgan Chase Bank, NA to illegally foreclose on my home on XXXX XXXX, XXXX in violation of federal laws of reporting debt 15 U.S. Code Section 1681. See Attached credit report showing that the obsolete mortgage " debt '' no longer exists and yet Chase is still trying to illegally take my home from me when there is no debt to be foreclosed on. Also, I am XXXX yrs old, indigent, XXXX recently having had XXXX XXXX doctor recommended to avoid stress or face XXXX XXXX or death from these stresses. 

This is Senior Abuse which is in itself a crime. please look into : On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that Adult Protective Services can be used to protect the safety and dignity of all seniors. I am asking the CFPB to step in and stop these Federal crimes and illegal acts against this XXXX, senior whom just had XXXX XXXX. THIS IS NOT IN LITIGATION!!! 

THIS IS NOT A DUPLICATE COMPLAINT!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third Bank in Ohio purchased my existing home mortgage from XXXX XXXX, XXXX XXXX, FL, in XX/XX/2021. The home and mortgage belong to my partner and I. XXXX had all information correct and online mortgage payments were easily made. 
Multiple attempts to setup the new Fifth Third mortgage account online, and with their customer service department were futile. I was told due to their error in transposing my Social Security number being associated with my partner 's cell phone number upon the mortgage assumption from XXXX ; it could not be accomplished online or by phone. 
It must be accomplished at a local Fifth Third Bank. There is only one location in XXXX XXXX, and due to danger of COVID exposure with my health status, it is not an option. My partner lives in Oklahoma, and there are no Fifth Third Bank locations.

It seems irresponsible to risk my health to visit their one branch office, to try to potentially, and with no assurance, resolve an error of their responsibility. I was also told I would need to setup an ATM card with Fifth Third, in order to be able to receive the benefits of online mortgage servicing. I am very much concerned for their customers with XXXX ; and requiring additional accounts for mortgage servicing. 
Thank you for any assistance. It is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a flyer in the mail stating that I could earn up to a {$500.00} bonus by registering on regions.com/offer using a personal code and by opening a personal lifegreen checking account. The flyer stated i would get {$400.00} for opening the account and an additional {$25.00} for completing 4 other activities with the account. Once complete, the bonus would be paid in 90 days.

-Download and log into the regions mobile app -Deposit one check -Set up regions direct deposit -Make 10 or more purchases on the check card The new account had to be opened prior to XX/XX/XXXX. 

I went to regions.com/offer and entered the personal code and my email address. I also opened the account and completed 2 of the 4 additional activities prior to the end of XXXX. Here is where the problem arises. Apparently the mail man delivered this flyer to the wrong address. It was addressed to my neighbor. So in 90 days when I hadn't received my bonus, I brought the flyer into regions and asked why the bonus hadn't been paid. It was at this point that they saw the flyer that I received in my mailbox wasn't addressed to me. Therefore the bonus wouldn't be paid. This was the first time that I ever looked at who the flyer was addressed to. Here is my complaint though. I went on regions.com/offer. I typed in the personal code on the flyer. I typed in my email and I established an account with my name and address and social security number. Never once did the system say that i wouldn't be eligible for the bonus because my name didn't match the flyer. I would expect there to be some sort of notification saying that I wouldn't be eligible prior to 4 months after I opened the account and completed the activities. For this reason I believe I should be granted the bonus for establishing the account and completing the activities that I did. This would amount to {$450.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
In XXXX, I purchased a property in DC. Shortly after the purchase, PHH Mortgage began servicing the loan. PHH did not make the property tax payments to the District of Columbia Office of Tax and Revenue for an extended period of time. In XX/XX/XXXX they realized the mistake and made double tax payments to the District of Columbia Office of Tax and Revenue ( DCOTR ). 

In XX/XX/XXXX, PHH sold the servicing of my loan to XXXX. PHH insists that the DCOTR would have refunded the funds to the new servicer XXXX. I followed up with DCOTR and they informed me that the funds were returned to PHH. This makes sense because the payments were made by PHH.

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 2021-10-01 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: FL

Complaint narrative:
I been trying to log in and see my actual TransUnion credit score, but its the most difficult credit bureau of the other 2 make everything much more complicated then it has to be! I enter forgot info I enter my SSN and last name and I just refresh the screen over and over.. I cant do nothing to understand why my score is dropping when my utilization is going low, but yet the other 2 credit bureau score went up when I brought my credit usage/utilization and debt ratio extremely low.. I honestly think! TransUnion needs to be audit and investigate being completely honest!! Something fishy going on in their end.. I submitted another claim how 44 inquiries appeared in one day out of the blue into my credit history only in TransUnion and unknown accounts.. please investigate and audit TransUnion!!

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 2021-10-01 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 reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with XXXX XXXX XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows XXXX XXXX XXXX opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!

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 2021-10-01 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: TX

Complaint narrative:
There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with XXXX XXXX XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows XXXX XXXX XXXX opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. This, IN FACT, is a violation of 15 USC 1681 ( a ) ( 4 ). Not only is this information is NOT reported on my XXXX or XXXX reports but Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. In addition, According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Equifax has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Dear Sir Below is my plight with Mercedes Benz both of XXXX XXXX and Mercedes Benz Financial. I have written both the GM and VP of finance with no response. Can anyone help me?? 


My letter to the VP OF FINANCE : Good Afternoon Mr. XXXX, Below you will find most of my issues with XXXX XXXX XXXX XXXX XXXX. Now due to XXXX and not to mention that my husband took a 40 % cut In pay we continued to pay our car based on what they told me. 

Now they said my credit is to bad. Well I bet half of America took a hit. I then mentioned that my husbands CREDIT was strong and he didnt want to hear it. When last time it was no issue. He btw just purchased another Mercedes approximately 6 months ago.

How can you not approve a loan that is {$350.00} less per month but expect me to pay my current payment??

I dont believe that this is how Mercedes treats its customers. I think that XXXX is upset and quite frankly was rude and unprofessional. 


Make it a Great Day!! 
XXXX XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Subject : Re : How was your visit at XXXX XXXX XXXX XXXX XXXX 


My Letter to the GM OF XXXX XXXX XXXX : Good Evening Mr XXXX XXXX I got this email from you. I just left your dealership and needless to say I am disappointed in your dealership and let me explain. I signed without ANYONE DISCLOSING that I was paying XXXX for a XXXX car. 

XXXX XXXX years ago we leased a XXXX from your dealership, at that time your Finance Manger XXXX assured us that if we sucked up our large car payment for 2 1/2 years we could come back and trade out of our car NO PROBLEMS. Well even through Covid we pressed on and suffered through pay furlough and so forth. Going on the WORD of your dealership Well we came in today and dealt with XXXX and now we find out that we were deceived. We ended up paying XXXX for this car and we are $ XXXX upside Down?????? 

Now please explain how your dealership does this to repeat customers?? Now you want me to eat this yet again!! 

So I am trying to LOWER my payment and you tell me now I am not credit worthy and because my husband has a car which by the way is a Mercedes bought in your dealership he cant sign. But it was ok for him to sign last time. And my dad who has a FICO score of XXXX wasnt either. Hmmmmmm Huge discrimination!!! 

So I am looking at a 2021 suv and you still cant cover your deceit and want me to pay for your dishonesty. 



Make it a Great Day!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: PA

Complaint narrative:
I the consumer did not consent too, nor authorize this inquiry from XXXX XXXX  on my transunion consumer report. XXXX XXXX did not have my permissible consent to obtain my consumer report from Transunion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages and I demand {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 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 explanation
Consumer complaint received 2021-10-01 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: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft OPORTUN/PROGRESO FINAN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation