vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted Transunion several times in the past 7 months about the unauthorized inquiries on my account. I have contacted each company listed as an inquiry and was told to contact transunion who in turn tells me to contact the company. I have been running in circles disputing, calling, filing report after report with transunion to know avail. XXXX and XXXX have been outstanding in assisting me, yet transunion insists on keeping innaccurate unverifiable information on my credit report. here is the list of the unauthorized transactions that they make impossible to have removed, this affects my financial well being and I have worked extremely hard to pull my credit up the past 2 years. 
XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) 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 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/21 me and my husband paid off a collection debt with the company IQ data. We were sent a copy of the agreement to our personal emails. stating that this company will send a request for deletion to all 3 credit bureaus. When paid in full. We paid {$1200.00} to the company as our agreement with them. My husband had the information deleted from all 3 credit bureaus, but remained on my report this was a joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a Chasechecking account in good standing for approximately 15 years. Never had an issue. Chase has cashed many checks from my employer, again without issue. On XX/XX/XXXX I deposited a check from my employer for {$3100.00} through my chase app, as I have always done. My deposit limit is XXXX btw. On XX/XX/XXXX I received a 10 day hold notice for that check. In fifteen years Chase has never held a deposit of mine. There was plenty of money in my account, but i moved XXXX over just in case ( didnt help ). My employer is a XXXX year old, multimillion dollar, architecture firm. Our controller showed me where the check had cleared their account after midnight on XX/XX/XXXX. Chase had, and still has, my money and will not release it to me, why exactly? I have never had an issue with my account. 

I quickly noticed there was no longer the option to chat with customer service, so on XX/XX/XXXX I called and waited on hold for 1 hour on my lunch break. No answer. Then, on my way home I called again, and using my earphones, I waited on hold for THREE HOURS and still no one answered ( i had to hang up because i was so angry by then i was shaking ). This is not the Chase i knew. I emailed for assistance from my app and received an unhelpful, canned reply. I read my deposit agreement and can not see where a hold was applicable in this situation. This is not a huge amount of money for me, so what gives Chase? Im thankful I have other accounts and this isnt an emergency. This new Chase has shown no respect for my business or my time. I can not believe their nonexistent customer service and i question the legality of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2021, I initiated a loan application with the Navy Federal Credit Union ( NFCU ). I have been a member with them for over 15 years and previously had a mortgage with them. I have never had a delinquent payment or problem with my checking accounts ( personal and business ). I was also on a joint account with my husband who recently passed away. There was never a delinquent or returned check with his accounts. 

I am XXXX XXXX XXXX, financially solid, and the Navy Federal Credit Union validated that my scores from all three bureaus is over XXXX. My application to the Navy Federal Credit Union is for a home in another state for {$340000.00}. I have over {$300000.00} in savings and investments. Additionally, my monthly income from my husbands retirement, social security, and my work is over {$4000.00} monthly. I can easily afford this new property and in fact, just received a contract on my current home valued at {$650000.00}. The equity in that purchase is over 50 % and this move is not for financial movements -- I feel the need to be closer to friends. NFCU knew from the beginning my projected closing date was XXXX XXXX. They have painfully drug out the process and constantly ask me for additional information, which I complied. The next stall tactic was underwriting was back up but would get to my application. In the interim, I put my house on the market and received a contract on XXXX XXXX with a closing date of XXXX XXXX. 

Today I received a call from the contact person stating that underwriting wants me to close on the other loan before they with approve mine! I am flabbergasted! The people selling the house to me are moving into a larger property and need an XXXX XXXX closing, which has always been the case. They actually asked me to have the people just extending the offer on my home to move up the date! Are they crazy -- these people have had less than a week to get their financial process in order, but they want them to flip on a dime to make them more comfortable with my loan! BTW, my loan terms are not that great at 4 %, but I believed I could get to closing faster than refinance later if I desired. 

I can not see any reason why I am being treated this shabbily and shamefully. I have an income stream, I have savings and investments, I will have additional funds when my house goes to closing. So far I have not been given any excuse as to why they will not approve my loan so I believe that is is my age and maybe gender. Financially, I believe my portfolio puts me at a higher level than most, yet they will have created a circumstance they know can not be met by the people with the contract extended on my home. And, they are jeopardizing the people with the house that I want to purchase due to their discrimination toward me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
STARTED AND ATTACHED AN ASSESSMENT ON TAX BILL FOR WORK NOT APPROVED OR COMPLETED, NEVER SIGNED ANY CONTRACT AND COMPANY RECORDED CONTRACT NOT SIGNED. XXXX XXXX AND HAVE BEEN FIGHTING SINCE 2017 HAVE FILED SEVERAL COMPLAINTS WITH STATE AND COUNTY TO NO AVAIL. WAY TOO MANY FORMS TO INCLUDE. BUT ALL PAPERS FILED WITH STATE MORE THAN 3 TIMES COUNTY PERFORMED NO INSPECTIONS BUT STILL APPROVED BUILDING INSPECTIONS EVEN THOUGH PERMITS EXPIRED OVER A YEAR. AND I HAVE BEEN COMPLAINING SINCE DAY 1. ROOF HAS BEEN LEAKING ENTIRE TIME AND BLACK MOLD THROUGHOUT HOUSE SINCE JOB STARTED, PUT NEW ROOF OVER OLD ONE WITHOUT REMOVEING. HAVE NOW LOST HOUSE OVER IMPROPER ASSESSMENTS THAT I WAS UNABLE TO PAY. NEVER SHOULD HAVE BEEN PLACED IN FIRST PLACE. I HAVE NEARLY 200 PAGES TO PROVE MY CASE BUT NOONE WILL REVIEW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NC

Complaint narrative:
I contacted Equifax in reference to some unauthorized inquiries on my report. I requested they be deleted. 
Equifax sent information back to me stating the information I disputed had been received, but failed to state they investigated and verified the results. They stated the inquiries are factual record. I would also like documentation as to how they determined these inquiries were factual record. They also stated they were results of a REINVESTIGATION, but this was the first time I had made this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer Usa date open XX/XX/2014 providing inaccurate information on my XXXX Credit report. The account does not belong to me. I have disputed several times. The company refuses to remove. This information has been deleted from other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lendmark Financial Services
State: NC

Complaint narrative:
XXXX printed up a contract thats was sent up and approved by their higher ups with a lower interest rate I signed and finalized everything. They come back within minutes saying the contract was not valid this is not fair especially if a system created the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have written Santander Consumer USA and I have asked them to first validate a debt they are alleging I owe. Also I have noticed that they are trying to collect a debt in the state of North Carolina without the proper permits. I have contacted them on three occasions and they have not validated the debt. Also they say permit # XXXX Is valid in North Carolina but as you can see with attached they are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
To whom it may concern, I am writing to complain citi bank 's extremely sloppy action regarding dealing with customers 's service. My checking account underwent a fraudulent activity in which my whole money around XXXX USD was stolen and transferred to another unknown debit card in XX/XX/XXXX. Because of this, the bank closed my account without any notice. I immediately called the customer service to report this fraudulent activity and was told that I will receive the original amount of money within 60 days via check. During the six days, I constantly checked with the customer service and got the same answer. Besides, I was advised to open a new checking account and they will deposit my funds to the new account. Within this period, I only received one letter from the bank stating that the money transfer did not go through without stating anything about my funds. After more than 3 months, I did not hear anything. I called the customer service everyday and received the same answer there was not any information related to my account. And one representative suggested me visiting one branch. I visited one branch in XX/XX/XXXX, the banker asked me to follow up in 24 or 48 hours. But I emailed and called the banker without any response. I just want to report citi ' extremely irresponsible service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23 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: IL

Complaint narrative:
I just recurved my credit report and I noticed unauthorized items that shouldn't be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NJ

Complaint narrative:
XX/XX/2021 I called Equifax because I went on the XXXX website to check the status of a dispute that I did over the phone back in XX/XX/2021. I noticed that the disputes were completed XX/XX/2021. I called to see if they could release the disputes on their website like they have done in the past. Instead, the lady read me the disputes over the phone, and they claimed that the creditor verified the accounts as belonging to me. Somehow, they logged the dispute as all the accounts wasn't mine, when in fact I asked them to either correct the accounts or delete the accounts because the accounts were listed as being open but the payment history being listed as a charge off. A account can't be open but still charged off. All the accounts have incomplete information. They don't have the status of the accounts, the balance of the account, the highest balance, late payments, the terms or original creditor, and the responsibility. These actual accounts are incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Is I applied for alone on XX/XX/XXXX. I never heard a word back from this company. On XX/XX/XXXX I received the email with my Notice of adverse action letter. 
Per the XXXX, thay have 30days to send this letter not 11 months. Beware of TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: NY

Complaint narrative:
I was informed by Americollect on XX/XX/21 that this debt was assigned to insurance and removal was requested by credit bureaus. However this was not the case, Americollect has failed to remove this from 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 2021-10-23 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The bureaus reporting are XXXX, XXXX, and XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX. ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/2021, I received an email from the Department of Education advising that I consider re-establishing Direct Debit for my Federal Student Loans with my servicer ( FedLoan Servicing ). On XX/XX/2021, I visited the FedLoan Servicing website to re-establish my Direct Debit. Following the re-establishment of my Direct Debit, I am now simultaneously receiving conflicting information about my monthly payment due date on two different screens within the FedLoan Servicing website. On the payment due date screen, the website displays my original payment due date of the XXXX of the month. On the Direct Debit screen, my payment due date is now reflected as the XXXX of the month. I did not request a change to the XXXX of the month. Additionally, I do not believe that I received any correspondence regarding a payment due date change. I would like my payment due date to remain the XXXX of the month ( or another date that falls in every month of the year [ e.g. NOT the XXXX, XXXX, or XXXX ] ). Because of the new, conflicting information on the Direct Debit page, I am unable to discern accurate information about my student loans. Due to this conflicting information, it is obvious FedLoan is giving me incorrect information somewhere on the website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
These company are hitting my credit for no reason. Im not trying to open accounts. Its been like this for 2 years.

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 2021-10-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Please change the status to Paid or simply " Remove '' the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief