vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
BRIDGECREST Acceptance Corp has committed fraud, theft and unlawful repossession, and extortion along with mail fraud amongst violating Regulation Z, FDCPA, TILA, EFTA, ECOA, Collection of extensions of credit by extortionate means. BRIDGECREST Acceptance corp also has committed identity theft for the alleged car loan, which is a fraudulent loan using my identifying information along with my credit card. BRIDGECREST Acceptance corp claims to have lend me money or lend me credit for the purchase of my vehicle, when in fact federal law proves they haven't and can not legally or lawfully according 12 usc 1431. This vehicle was purchased on credit during a consumer credit transaction which BRIDGECREST Acceptance Corp fraudulently misrepresented as a alleged car loan. BRIDGECREST Acceptance Corp is not a financial institution, it is a debt collector and has committed larceny stealing my vehicle and extortion demanding I pay the alleged debt in full to get my vehicle back before BRIDGECREST Acceptance Corp sells my vehicle. BRIDGECREST Acceptance Corp used a unauthorized third party to steal my property and has not revealed where my stolen property is being kept.BRIDGECREST Acceptance Corp is not a creditor it is a assignee of the alleged contract which was fraudulently concealed as a loan .BRIDGECREST Acceptance Corp is criminally liable for knowingly and willfully giving false information in regards to Truth in Lending Act disclosures about the alleged required down payment of {$2600.00} cash which was fraudulent and intended to deceive me and violated 15 usc 1605a Finance Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I normally pay my XXXX  credit card with direct XXXX from my FirstTech checking accound every month. This time I'm having issues with a {$2000.00} transaction. 

When I submitted the transaction FirstTech claims I didn't have enough funds, which doesn't match my transaction statement. XXXX claims First Tech didn't release the funds of this transaction, so they rejected the XXXX. I see that reflected in my transaction history, however FirstTech debited again {$2000.00} that never reached XXXX again, and seems to be lost ( This is my issue, and reason for this claim ). I got an email from XXXX notifying me that the transaction failed. I contacted FirstTech and they claim I should contact BoA what I already did. And was told funds were not released by FirstTech. 

TRANSACTION ID XXXX TRANSACTION ID XXXX TRANSACTION ID 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 2022-02-28 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: NV

Complaint narrative:
In XXXX I checked my credit report and noticed a collection account on my TransUnion XXXX have always kept my accounts in good standing and still continue to do so. This is why it came as a big surprise to me when I noticed a collection on my Transition report, which was placed there by XXXX XXXX COLLECTION and reported by TRANSUNION. The snapshot shows that the account status is open, but how can an account be placed as collection if the account is still open? It informs be that the original creditor is XXXX XXXX, and the date opened was XX/XX/2021. I have sent multiple verification, and dispute letters to TransUnion to look into this issue and resolve it but they continue to send me stall tactic letters every time I sent them another letter. 

Transition letters that they send me reads as followed " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path towards credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process request unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TRANSUNION credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any. company. Find out more about how to manage the information on your TransUnion credit report at TransUnion.com/repairletter. '' These are the same kind of stall tactic letters they continue to send me refusing to look into my credit report and help me remove this account that was either illegally opened in my name or mis reported on my credit report. Please help me CFPB, they have no choice but to respond to CFPB by law because they definitely are not following the laws when it comes to us consumers.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today is XX/XX/XXXX. In early XX/XX/XXXX I contacted Truist about their inappropriate opening of an account using my name and SSN. At that time they had indicated that a check was deposited into said account for {$4800.00}. I spoke with a Fraud/ID specialist who indicated that they have recorded the account as fraudulent and all activity reversed and account closed due to ID theft. I am NOT a Truist account holder. Last week I began receiving letters regarding the bouncing of this deposited check, which resulted in an overdraft of said amount. Then I received the " threathening '' letter regarding charging-off this account. This letter is dated XX/XX/XXXX. Today - the XXXX - I have attempted to call Truist to AGAIN clear this matter and after trying 4 phone calls to the fraud/ID theft number and waiting on hold over a collective XXXX minutes with NO answer ( shameful )- I can only surmise that either their phone system doesn't work or their staffing incompetency is overwhelming. 

Nonetheless- this matters needs to be cleared immediately without any negative impact to me, including inappropriate negative credit ratings. Additionally - they opened this account without any proof of ID from me ( as my credit reports have been locked down since I had my information compromised )- and while 4 other banks were successful in NOT opening fraudulent accounts in my name during this same time period - Truist has shown their incompetence in this regard as well. One would think that complying with the law regarding " known your customer '' would be in the forefront of their accounting opening procedures- and clearly it is not in this case. 

The only person I WAS ABLE TO REACH ON THIS MATTER - AS PROVIDED BY THE PHONE NUMBER GIVEN ON SAID LETTER - INDICATED TO ME THAT SHE DOES NOT SPEAK TO CUSTOMERS AND I COULD CALL A BRANCH. SHE THEN GAVE ME A PHONE THAT HAS SINCE BEEN DISCONNECTED - STARTING MY OVER XXXX MINUTES OF MY TIME TRYING TO REACH SOMEONE TO CLEAR THIS MATTER.

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 2022-02-28 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: AZ

Complaint narrative:
I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.

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 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I have made sure to make my payments on time for XXXX XXXXwith the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SLM CORPORATION
State: DE

Complaint narrative:
On approximately XX/XX/XXXX I applied for. Sallie Mae credit card from an email solicitation. On XX/XX/XXXX I received an email with an attached document from Sallie Mae stating " we could not validate your identity '' and they had not opened the account. I called Sallie Mae that same day and they instead stated the reason was " the application had expired ''. I had received no communication from Sallie Mae regarding the application from the time of applying until the XX/XX/XXXX email. I was told on the XX/XX/XXXX phone call I would need to apply again which would result in a second hard credit inquiry to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TN

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint myself.

Allied Interstate LLC is a debt collector and is trying to collect {$120.00} from me.

I do not have a contract with Allied Interstate LLC.

I do not know how Allied Interstate LLC obtained my location information to send anything relating to an alleged debt.

This is a violation of my consumer rights and want this matter to be looked into further please.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TRANSUNION is reporting incorrect information on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Ive attached a generic decision on my mortgage application from Wells Fargo Mortgage. The letter had absolutely nothing to do with their decision to not approve my loan ( as you will see from my letter attached to XXXX XXXX XXXX of XXXX XXXX XXXX. 
My loan had been approved and scheduled for closing. I received an email on XX/XX/XXXX from XXXX XXXX ( Mortgage Closer ) stating " Hey XXXX please make cashier 's check out to XXXX XXXX, XXXX ''. My closing was scheduled for XX/XX/XXXX ; four days prior to closing Wells Fargo ask for my tax returns and told me two days before my scheduled closing there was a problem with my tax return and therefore I will not be closing. Never stated what the problem was that would cause the closing to be cancelled two days before closing. Totally unprofessional and unacceptable.

Which underwriter failed to request these documents in a timely manner? There was a divorce decree involved with detailed time guidelines. 
This isn't the way you treat a customer that's had two mortgages with Wells Fargo since XXXX and never been late on any payment. 
Wells Fargo had every right to not approve my loan based on their findings. XXXX XXXX of Wells Fargo stated to me after he told me what happened, " yes XXXX this information should have bye requested earlier ''. 


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 2022-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, LENDER : SPS SELECT PORTFOLIO MORTGAGE ACCT # XXXX DOCUMENTS ATTACHED : ASSIGNMENT OF MORTGAGE RECORDED IN ERROR XXXX RECONVEYANCE LIEN RELEASE FOR THIS LOAN " SAME INSTRUMENT NUMBER '' SHOWING PROOF THIS LIEN HAS BEEN RELEASED GRAND DEED SHOWING NEW OWNERSHIP IN MY NAME I'm writing to request an assignment of mortgage recorded on my property in ERROR by SPS Servicing , INC . I've been communicating with them since XXXX to have this removed and have not yet received confirmation. 

THE ASSIGNMENT OF MORTGAGE THAT WAS RECORDED IN ERROR was just recorded XX/XX/XXXX after purchasing the home in XXXX. This is a past mortgage from the previous deceased owner from XXXX. I'm also receiving mortgage statements and unwanted mail to my home in the prior deceased owner 's name regarding this loan. 

This is putting a huge financial distress and burden on our family 's life. We can not sell or refinance our home until this matter is fully resolved and the assignment is REMOVED! 

I look forward to getting this removed from my property as soon as possible and resolving this issue. 

Please feel free to contact me if you have any questions or concerns or need any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NC

Complaint narrative:
On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.

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 2022-02-28 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: NC

Complaint narrative:
On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.

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 2022-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The XXXX XXXXXXXX XXXX  XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$740.00} The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX XXXX. As per XXXX, the XXXX bureaus and the furnisher are to provide XXXX XXXX  accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Deposited XXXX check account was flagged for XXXX checking and savings was frozen and ins check was held. This has been since XXXX. I received a check for savings today but nothing for checking or ins check. Have called and went into bank several times I am not able to get access to my money at sll

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have disputed the amount of {$830.00} ( Account # XXXX ) with Home Depot Credit Services XXXX to improper installation of a XXXX XXXX. While the XXXX XXXX was delivered it was improperly installed. I have paid for the washing machine was to be installed and ready to be used. That did not happen!!! The installer forgot to remove the shipping bolts from the back of the washing machine. As such, when the machine was used the shipping bolts prevented the washing machine from spinning thereby causing the washing machine to vibrate very badly and move uncontrollably through the laundry room causing damage to the walls and the furnace located in close proximity. The failure of the installer to remove the shipping bolts caused damage to the drum and internal parts and has negated the warranty for the product. The Home Depot Credit Services denied my complaint by letter dated XX/XX/2022 saying that their research revealed that the washing machine was delivered. Furthermore on on XX/XX/2022 the Home Depot Credit Services noted that they will provide special financing per my request. I did not request special financing but to receive the services that I have paid for. I received a faulty installation and a damaged washing machine. XXXX XXXX will need to replace both in order for payment to be made.

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