vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and Transunion and XX/XX/XXXXand they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}

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 2021-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and Experian and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-04-02 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: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
Crown Asset Management , LLC XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$520.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product. And Crown Asset Management , LLC has no right to buy or purchase fradulent credit card deliquent balance from another company and use such against me by allowing such to be placed on my credit file. XXXX sold this fradulent accont to Crown Asset Management , LLC on XX/XX/XXXX, XXXX ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. Crown Asset Management , LLC must submitt proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NY

Complaint narrative:
This is my second time contacting Transunion about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX I was preapproved for a mortgage loan with Navy Federal Credit Union. I was told all my documents were good they didnt see any issues. On XX/XX/XXXX I was conditionally approved. The house was inspected and appraised. I was just waiting for the title to come back. XXXX XXXX XXXX was my mortgage processor. I reached out to her multiple times to confirm all the documents submitted were good. She confirmed I didnt need any additional information. I was given a closing date of XX/XX/XXXX. That day came we still had no title. XXXX then stated she didnt realize that I was a XXXX and I was self employed. From the beginning I made them aware that Im a XXXX XXXX and I get XXXX. I have weekly paystubs but my income is not taxed. On XX/XX/XXXX, XXXX ask me to submit updated paystubs, profit and loss sheet and show proof of 6 months payment reserved. All my documentation was complete and sent in. She stated everything looked good and I should be closing Thursday XXXX no later than Friday XXXX. I called XX/XX/XXXX to follow up on the process and XXXX stated that I was denied and she couldnt give me details I would hear something in the mail within 10 day. The process is over. I need to reapply with a co-signer. How did I get this far with all the same documentation to be denied. Where was the ball dropped. How did they not realize I was self employed. I reached out to her supervisor XXXX XXXX who stated that processors arent trained to give explanations and that my loan was denied because my self employed income was not enough. They couldnt factor in my income from my w2 because I no longer worked that job I was solely self employed. I dont understand how I got this far without anyone realizing I was solely self employed. I reiterated it multiple times and everything I stated was disregarded. Im packed up. I opted out of my lease because I had a closing date and I kept being told all my documentation was fine. I just want answers. Someone needs to be held accountable. No one provided any empathy it was more or less oh well you were denied. How is it that i can pay {$1300.00} in rent without one late payment for 2 years but I cant get a mortgage approval. My credit has increased. I paid off more debt and even one of my car loans just to guarantee approval to still be denied the week I was suppose to close. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
In early XXXX I went to the company 's website to pay my credit card balance in full. The company 's website gave me a balance and I proceeded to pay online - using THEIR online payment method - to pay the amount THEY gave me. Nothing noted on the website to CALL them for a balance to pay off. In retrospect, calling their XXXX # was a joke and took way too much time to talk to a human. After paying a nearly $ XXXX balance they charged me {$43.00} in interest and said it's 'valid ' upon numerous calls to them. One representative told me it's a 'daily interest charge ' yet they can't display that on their website to tell consumers this. She also indicated while it's daily we only give you the balance monthly. How can anyone pay off their balance in full online when this is the case - especially with NO DISCLOSURES. I have since shredded my card and the account is closed yet they are admit I owe them {$43.00}. Front line reps were rude and one of the two supervisors proceeded to hang up on me. I understand that the charges were potentially 'incurring ' from the prior month but they need to clearly disclose this on their website when someone is making an account payoff in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: VA

Complaint narrative:
XX/XX/2021 I contacted TransUnion to remove inaccurate names on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I contracted to make a purchase through XXXX. The purchase was made with the understanding I would have the product by a certain to which the supplier agreed to. 
Three weeks after the agreed on delivery I still did not have the product. I contacted the supplier and told them I was cancelling the order and requesting charge backs on the credit cards used. Four weeks after the date I cancelled the order XXXX XXXX  show up with the delivery. The delivery was refused, returned to the shipper and I thought the matter was settled. The bank has documentation that the order was cancelled prior to receipt of the order and documentation that it was returned to the shipper However for some reason Bank of America is refusing to acknowledge the charge back. They are claiming that the charge was valid and is due based on lies that the shipper has given them I want this charge removed

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 2021-04-02 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: VA

Complaint narrative:
XX/XX/2021 I contacted TransUnion to remove inaccurate address on my credit report.The information is still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I am repairing my credit. I checked my credit on XX/XX/2021 and discovered this company on my credit file. I have no knowledge whatsoever on this company or the debt. I have not received any type of notification on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2021 I contacted XXXX to remove inaccurate address on my credit report.The information is still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an account and signed up for the XXXXADVANTAGE. I set up direct deposits in an amount sufficient to earn the reward. The first four direct deposits went through fine : On XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21, I received deposits from my employer of {$1500.00}. 

The second deposit of XXXX was rejected by Suntrust. Nothing had changed in terms of the information my employer used to deposit my salary ; Suntrust just rejected it. 

To me, the fact that Suntrust accepted four consecutive direct deposits before rejecting the deposit which would have qualified me to receive an award is eminently suspicious. However, regardless of any nefarious intent, or lack there of, I did my part to have the direct deposits necessary to have the bonus ; the fact that suntrust inexplicably rejected the final deposit was out of my control. 

I tried to resolve this directly with Suntrust. I contacted Suntrust on XX/XX/XXXX and followed up on XX/XX/XXXX, both through XXXX. Each time, I received a polite response that someone at Suntrust would check on this and get back to me. However, I never received any response.

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 2021-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My auto loan with Chrysler Capital reached maturity in XX/XX/2021. I contacted Chrysler about the loan and asked what did I need to do? I was informed that I should continue to make my monthly payments until the loan is completely paid. I have continued to make payments and received a default letter on Saturday, XX/XX/XXXX, I received a default letter informing me that I must pay {$9500.00} by XX/XX/XXXX or face possible repossession of the car. I contacted Chrysler asking if I could continue to pay the monthly car payment and was told yes, but the car would eventually be repoed. I asked for a loan modification, but my request was denied. I asked again what are my options and I was not given any other option except to pay the balance in full or turn the vehicle in as a voluntary repossession or it would be repossessed involuntarily. There are currently about 17 payments left on the vehicle of which I was looking forward to completing as I continued to make payments. They have charged off on my credit over {$14000.00} and are not willing to resolve this fairly. It's showing charged off, but they continued to accept my monthly payments. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I never gave Santander Consumer USA Authorization to put anything on my report. They reported to XXXX and XXXX. 15 US Code 1681 2 Exclusions ( B ) any authorization or approval of a specific extension of credit direct or indirectly by the issuer or a credit card or similar device. 15 US Code 1602 ( L ) 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.

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy.

I have told santander to stop contacting me and they continued to contact me. Santander is also involved in a Car Loan Class Action Lawsuit. This is involved with litigation. I demand the accounts be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
I am reopening a complaint with XXXX XXXX XXXXCredit Collection Services for account number XXXX. After reviewing the documentation received, I have been able to confirm that this is a fraudulent account. As previously mentioned, I have only ever been in contact with XXXX XXXX for a quote. I was able to confirm that this account was opened without my knowledge by reviewing the details provided, such as an inaccurate address. I was attending college in 2017, and held XXXX insurance after searching for quotes. I was not living in the address on file at that time. I have reason to believe that the person who opened the policy is my mother, as the address used reflects that. I have provided documentation of my residence elsewhere for the insurance I did hold at this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted XXXX XXXX Several most recent XX/XX/XXXX she opened the new account. XXXX and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted XXXX XXXX Several most recent XX/XX/XXXX she opened the new account. XXXX and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.

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