vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Westlake Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this 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 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
We received the reply from Fay Servicing and they sent mail correspondence to the wrong address and we sent all the info they needed several times!!!! I have copies of the emails that successfully was sent!!! How is it our fault that Fay Servicing didn't process our emails at all!! Everytime we called we got different answers!!! With first complaint, I sent screenshots of the emails that went thru! We need to keep our home and I have emails confirmed of sending proper documents from XXXX thru XXXX! This is not right!! XXXX has federal attorney for sister ... .I guess we have to call her! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Auto loan, XXXX acknowledged an error in their online payment system where banking information for certain customers was deleted, unannounced to me my scheduled payment was not processed and was reported as a missed payment to the credit boroughs.

I have phone recordings of conversations with Wells-Fargo associates acknowledging the error but have made no progress in resolving the matter, the month 's payment in question was paid in full after later finding the error.

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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
A wire transfer was done to XXXX through Regions, however, XXXX called XXXX later that A/c was fraudulent due to a scammed email of incorrect wire tranfer info., to go put a stopment at Regions. ; which was requested the same day. However, Regions Bank was not aware ob how to deal with the issue with XXXX XXXX, causing tgem to close the case, after XXXX weeks.

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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I have paid over $ XXXX to kia XXXX in down payment etc including the payment.. 
the payoff is XXXX I have totaled the car now they want XXXX XXXXXXXX and told me that all the money down for extra miles etc that i pre paid is not counting and the XXXX that i paid mean nothing..

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 2023-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, we purchased a car from XXXX XXXXXXXX XXXX  XXXX XXXX, and paid portion with a credit card and a check. {$5000.00} on the Credit Card, and {$14000.00} by check. 
The check was fully collected on XX/XX/XXXX without an problem. 
Qualia Collection Services XXXX XXXX XXXX XXXX, CA XXXX Sent us a collection of {$700.00} in th of XXXX XXXX in forformerr check us returned, and this is a penalty for the default on the check. 

I have contacted the collection company and informed that my bank never rejected the check. 
Qualia Collection Services, where persisted that we must pay the account # XXXX if we don't want this collection on my credit report. 
So I come to you CFPB, to help stop this and protect others from this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber home loans are making people pay for things that they should not be paying for. I have a mortgage with them and they require me to have a homeowner 's insurance policy that includes coverage of certain things. The fact is that I also pay for insurance through my HOA that covers the same thing... my hoa policy is a HO3 ( exterior coverage ), so Caliber like other lenders should require me to pay for an HO6 ( interior coverage, which is a lot less ) policy only... .but they don't. They have obligated me to have both policies. I only found out after I purchased my home that this was the case. My neighbors do not have that problem with other mortgage companies. They are all paying for what they should be paying. I have called and wrote, wasted time and effort proving that they are the only one 's doing this and they do not care. They told me that if I cancel my policy that they would buy a new policy and that it would be more expensive and that there is no way around me not paying for it ... ..your only option with caliber home loans is to pay the property off or waste tens of thousands of dollars in unnecessary payments for the lifetime of the mortgage. 
I can not imagine how many people are been charged double and do not know it.

This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 

Also prove a monthly statement was provided at least 21 Days prior to the due date of the bill. I received no such bills at my home address and have never agreed to receiving exclusively digital communication as a means of being billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MD

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Transunion permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these inquires be immediately deleted from the credit file you maintain under my social security number. 
XXXX # XXXX XXXX XXXX  opened XXXX {$30000.00} XXXX # XXXX XXXX XXXX XXXX opened XXXX {$370.00} XXXX # XXXX XXXXXXXX XXXX  opened XXXX {$23000.00}

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/XXXX I tried to buy food through an online delivery service app called XXXX. My card was declined, which was concerning since I get paid SSI benefits on the XXXX of each month. I immediately logged into my DirectExpress online account and noticed all of my money was stolen ( unauthorized transactions ). I cancelled my card online and swiftly called DirectExpress to report the unauthorized transactions for a total of {$2300.00}. However, they stated their Fraud Services Department is closed on weekends. 

I spent the following week trying to get in touch with their Fraud Services Department and finally got in contact with them on XX/XX/XXXX. I stated my concerns, opened a fraud investigation, and they said they would mail out a Questionnaire of Fraud ( Form DX-QOF-v.06 ). 

I once again struggled to get in contact with DirectExpress while trying to notify them that I still haven't received the Questionnaire of Fraud. On XX/XX/XXXX I got through to them and they said they would resend the aforementioned form. 

I received the Questionnaire of Fraud approximately one week later and filled it out. I signed it on XX/XX/XXXX and emailed it to their claims department. 

On XX/XX/XXXX I received a letter from DirectExpress ' Fraud Department Services ( dated XX/XX/XXXX -- the day before I even submitted my form ) that stated after a " thorough investigation '' the transactions were not unauthorized. There was nothing thorough about their investigation. Most of the transactions were completed in states I've never stepped a foot in throughout my entire life. Additionally, there's over 3 years of clear spending patterns primarily through food apps, such as XXXX and XXXX. They put in the least amount of effort as possible to assist me during an inflationary period and throughout the holidays. It's disgusting and disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: FC HoldCo LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this 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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I sent documents to Dealer for XXXX XXXX refund. GM Financial has yet to receive Check from Gap insurance. The longer they wait the less the refund will be. I believe this being done intentionally, because when I bought the car a headrest was missing, and I was told it would be replaced in writing, which I signed. When I got home that was the only document missing. I called them and was told to come back multiple times, no headrest on promising, they would replace, or purchase another one. Never happened. The Associate who handled both, Gap, and XXXX is XXXX XXXX XXXXXXXX XXXX  7XXXX XXXX XXXX ext XXXX, fax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never, or was late since I've purchased this car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: TN

Complaint narrative:
My family and I were moving out of an apartment complex after our lease was ending to move closer to work. We Moved into the apartment complex in XX/XX/XXXX and move out before XX/XX/XXXX. The leasing agent sent me an email unsigned stating that we still owed {$1800.00} however, they reported {$10000.00} on our credit report for the unpaid balance. I have a written notice from the agency stating that {$1800.00} was all the money owed to them. They also threaten us with this statement ( Demand for possession is hereby made. You are hereby given notice to vacate the dwelling WITHIN ONE DAY of the date on this notice ( four days if the notice was mailed ). Your failure to move out then will result in appropriate legal action by us before the Justice Of The Peace. ) Nothing in the apartment was destroyed just normal wear-in-tear that is common among occupants. Finally, I believe that the law allows up to 30 days in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
So I discovered about this Comenity BankXXXX Credit Card which was charged due to missing payments on my XXXX XXXX. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have XXXX active credit cards which are on my report and in good standing. This charge needs to be taken off from my XXXX XXXX as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on XXXX to which I can call to. I have already filed dispute with XXXX  which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my XXXX XXXX.

Company response to consumer: Closed with explanation