vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent TransUnion a dispute letter on XX/XX/2021 asking TransUnion to validate my bankruptcy and they have not responded. I have sent a certified affidavit to TransUnion showing them the laws they have violated. I did not give written permission to TransUnion to publish a bankruptcy on my consumer report. TransUnion is violating my consumer right to privacy! I want this item permanently deleted from my consumer file and compensation for all the laws the TransUnion broke.

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a debit card from wells-fargo Bank in the mail along with a separate piece of mail with my pin number. I DID NOT apply for a wells-fargo checking account and I called wells-fargo and spoke with a fraud specialist who told me I was victim of identity theft, and I needed to go on their website and complete a identity theft repair kit. I will be filing a formal complaint with my local police as well. I asked the wells-fargo specialist if they saw any activity on this fraudulent account and they assured me there was none. I even got a monthly statement from them for the month of XXXX. Aren't they supposed to close this account or freeze it so whoever did this can't take this any further?? I was told by wells-fargo specialist that they would get back to me with the details of the incident and noone ever followed up with me?? Even though there is a XXXX balance on this account, I am concerned the person/people responsible are trying to set the account up for future loan access which is why I can't understand why the bank didn't close or freeze this account?

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Hi- On XXXX I opened an account with XXXX XXXX XXXX XXXX which pulled my credit report from Equifax . On that report was a collection from XXXX XXXX which doesn't show up on my reports obtained directly from Equifax dated XXXX or XXXX. This debt/account is beyond the statute of limitations and Equifax has been deceptive in providing reports to me which do not show this account, while at the same time providing lenders/banks this negative information behind my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2021-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened an online account on XX/XX/2021 and deposited a check of XXXX into a check account, I went to the bank the next day and deposited a check for XXXX into a savings account immediately after the teller deposited the check she told me there was a hold the account. I was told I needed to call a number and find out what the problem was. I stayed in the bank and called the number from my cell phone. The person that answered told me they were having a problem verifying my identity and I needed to go to a local institution and verify my identity. Since I was already there in the bank I sat with a young lady named XXXX and verified my identity showing my drivers license and another bank card from a different bank after that I was told there was no longer a hold on the account but I would need to open up two new accounts so that when my money was available I could do a transfer even though I didnt have access to the account. They told me it would be available after midnight and to come back tomorrow. I came back the next day and my funds still werent available and I was told when they were the bank manager would do an executive transfer so I would not have to come back. I checked the account this morning and my funds are not available. This is the fourth day and I wasnt called back or notified about anything

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 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Ref ID - XXXX, Paypal restricted and/or put my account to limited status. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days is excessive, and perhaps a punitive abuse of power. May email linked to paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My late aunt 's estate had a {$5800.00} refund from a Wells Fargo settlement. I have mailed in the appropriate paperwork the WF team asked for And have yet to have any correspondence let alone the check that was issued and never recieved in XXXX of 2020. Please help me resolve this matter. I am the executor and sole beneficiary.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from 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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I have a history of usaa doing shady practices on my account. I have a scheduled transaction on my account every pay day. Usaa decided to do the transaction a day early when my funds were low and hit me with a {$30.00} fee. This was a scheduled transaction! I feel this isnt right and I hope usaa fixes it, refunds the fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I refinanced my home. The title agency agent was several hours late to the closing and had to return to my house to complete documents he didnt have me sign in the first place. I was alerted to documents not being received by my town for my property taxes. I called my mortgage company and requested the documents be sent to the town. On XX/XX/XXXX I was notified by my mortgage company that my mortgage payments for XXXX and XXXX were not withdrawn or paid. I immediately explained the issues with the title agency at closing and that I had spoken to my loan processing officer the day of the closing expressing my concerns. I have never been late or missed a mortgage payment. I have used PNC for all loans and mortgages. PNC mortgage waived my late fees and opened 2 investigations into the title agency. I also immediately paid the 2 mortgage payments. I have had to request on several occasions that the tax documents be sent to my towns tax department. The late payments were reported to all credit bureaus and I am currently working to have the negative reports removed from credit history. I have been in contact with my mortgage companys escalations bureau who has told me that they are missing pages from the closing that should be submitted by the title agency. The incompetence of the title agency has caused me to have negative reports to my credit history. I am attempting to have these items removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 — Problem with personal statement of dispute
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX Innovis XXXX XXXX XXXX XXXX, PA XXXX FAX XXXX To Whom It May Concern : Under the Virginia Bill of Rights, I have the right to put a security freeze on my credit report. 

This is my official request to have security freeze put onto my account. 

On or around XX/XX/XXXX, I contacted XXXX XXXX to submit a fraud complaint regarding three charges on XX/XX/XXXX, XXXX, XXXX. When submitting the complaint, I explained I was unaware of the charges and had not authorized payment, and I had not signed any sales slips. After XXXX refused to cancel the billed amounts, I complained to CFPB. XXXX responded by suggesting I contact XXXX XXXX, XXXX, XXXX, and Innovis. Since there are no signed sales receipts, XXXX has committed fraud. I have attached the paperwork needed for your review. 

If this matter should reflect negatively on my credit account, I will seek protection under 15 US Code Chapter 41 for protection if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters to TransUnion trying to get them to prove validation about 2 bankruptcies on my consumer report. TransUnion stated that they have validated my bankruptcies with the courthouse. BUT I have letters from the court houses saying that the court houses do not validate anything with the consumer reporting agencies. I have also sent TransUnion a signed affidavit showing them the consumer laws they they have broken.

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been incarcerated since XXXX XXXX I was released to a rehabilitation center on XXXX XXXX and been here since under servilance and someone has opened several bank accounts in my name and already laundered money thru them I have tried to shut the accounts down but I have limited access to internet as well as the phone. I still have 40 days left and I need this report to go thru I have already filed online with my social security being used for unemployment and I was able to stop that process can you please help me on this matter I dont know what to do the hacker has my ID information as well as my social security card information I would like this matter resolved and pursue charges on the individual or individuals that have done this to me..

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 2021-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: IL

Complaint narrative:
XXXX Bank crisis XXXX approval letter received. I called stated sitting on desk approved XXXX laid off. Preditoriay lending bought out at least 3 times. Fire damage from unit next door XXXX fire. XXXX  court a person followed me up ramp to secured entrance. Told person to leave me alone numerous times. I tried to explain to Judge and lawyer. I am sure they heard commotion as well as others. A lot of harrassment, agression during covid-19, fire claim, late payments and river stage. The loan balance is thousands more than I paid. After almost 15 years. 
Taken advantage by pushy people.

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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I purchased my XXXX XXXX on XX/XX/XXXX. My car was paid off to Kia Finance on XX/XX/2021. The dealership, XXXXXXXX XXXX XXXXXXXX sent the money for the warranty back to Kia Finance on XX/XX/XXXX per the dealership. It is now XX/XX/XXXX and I have yet to receive my refund check from Kia Finance. This is ridiculous.

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I had received my check of the month for child support of {$1200.00}. I went to check my account like I usually do to make sure the funds were available. When I go to sign onto the app it tells me Yikes! Your account has been Closed if you think this is a mistake please contact member services at XXXX. So Ive contacted them via Email asking them why my account was closed and that I need that money because its for my children. The response I had received back was Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. 

I would like to share with you that any deposit received on a closed account ( in your case after XX/XX/XXXX ) will automatically be returned to the sender, you can go ahead and contact your payor to arrange another form of payment for your funds. 

Ive contacted them multiple times asking when my check would come in and they then told me I'm sorry to hear about the closure of your account. Chime has determined that your account is not in compliance with its internal policies and the member agreement executed at enrollment. 

Unfortunately, we can't send any closure check because you have a negative balance for some disputes denied. 
One more time, I'm terribly sorry for any inconvenience caused. Please reach back and let me know if I can assist you with anything else.

This was a huge mistake because I had saved {$15000.00} in this account and now all of my money is taken and Im being lied to and it has put me in a financial hardship. I didnt know what to do anymore so this is my last resort. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
I am literally at the end of my ropes I've been victimized and I have done everything but get a lawyer involved. I am a victim of identity thief, these accounts are not being reported with my consent. Yet, here I am being harmfully punished behind this crime I don't get it.In no way is this lawful its a violation of my privacy and i feel I have to get a lawyer involved for my justice. i have reached out to everyone and no one has responded yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation