vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/ a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
There where 2 transactions that posted to my cashapp account on XX/XX/XXXX for a total of XXXX dollars I requested a refund for both transactions and the refunds where denied I tried to contact cash app support they have denied my disputes both times so I now want to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Firstly, I dispute the accuracy of the information regarding the collection accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Firstly, I dispute the accuracy of the information regarding the collection accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-01 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: LA

Complaint narrative:
In accordance to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

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 2023-03-01 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: VW Credit
State: TX

Complaint narrative:
XX/XX/ : I paid off my vehicle loan on the VW credit website. 
XXXX : I called VW credit for a status update. They sent me a letter and email showing that my vehicle was paid off. They said it would be a few more days until lien was released. 
XX/XX/ : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I call VW credit for update. They said they sent lien release to DMV on XX/XX/2023. 
XX/XX/2023 : I called DMV to check status of title. DMV states that lien has not been released by VW credit. 
XX/XX/2023 : I called VW credit and asked to speak with supervisor. He told me that theyre having delays with their new vendor. He confirmed that while we were on the phone, he pressed the request button to release the lien and that it will take yet another 10-15 business days for lien release . I requested information on the vendor they use for lien releases so that I could speak with the vendors customer service, but the supervisor would not give me that information. 
I feel taken advantage of by VW credit. They are holding my car lien hostage at this point while I have never missed a payment and have paid of the car in full seven weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: LendingPoint Holdings LLC
State: FL

Complaint narrative:
Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was Lendingpoint flaged my credit due to late payments. On file with XXXX XXXX XXXX  that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both Lendingpoint and XXXX XXXX XXXX several time file a dispute with experian anf XXXX XXXX and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, there was an unauthorized withdrawal of {XXXX} charged as a loan against my personal line of credit with Suntrust ( now Truist ). The next day, there was another unauthorized withdrawal with the exact same amount. The total reached to XXXX. 

As soon as I found out about these charges, I called Truist and reported the matter. I was told that it would be investigated and I would be informed of the results in a week. That was a promise never fulfilled. 

Six months passed and during that time I made numerous phone calls to so many different departments of Truist but all were in vain. The only thing I was told was that those unauthorized withdrawals were the result of an internal fraud of Truist Bank and the matter was under investigation. 

After I had exhausted all the sources I could reach by phone, in XXXX, I went to a branch and talked to the branch manager. I was asked to fill out a form to report the matter in writing as if it was never reported before, and I did so. Nothing happened afterward. 

I made more visits to the branch and talked to different clerks. Every time, I received the same response : " We'll follow up the matter and will get back to you in a week or so. '' After eleven months and so many frustrating phone calls and visits, my account still shows a balance of $ XXXX} which includes those two withdrawals and the accrued interest. Last week, I received a notice from Truist that my " loan '' is delinquent and it would be transferred to a collection agency and the delinquency would be reported to the credit bureau! 

I tried to close all my accounts with Trusit, but the branch manager is saying that it can not be done as long as my line of credit is showing an unpaid balance. 

The whole issue is very absurd and unexpected. The carelessness and irresponsibility of a reputable financial institution toward a fraud case is unimaginable. Please, help me to end this absurdity and close my banking relationship with Truist forever. 

Part of the email exchanges between the branch manager and I about the subject are attached. The information of the phone calls ( date & number ) are also available and can be submitted upon request. 

Regards, 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 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
I have been attempting to establish tax escrow on my loan for over a year. I have provided all documentation requested multiple times, but never received a reply, and tax escrow is never established. I do not think my servicer is compliant with requirements under Reg X/RESPA and at this point have no faith they will ever establish tax escrow on my loan. 

I have included a copy of the most recent set of documents provided in XX/XX/XXXX along with all the information requested by their online form they require I use every time. 

I last provided and communicated this to them a final time with all possible information in XX/XX/XXXX after making another tax payment myself, and they again did not establish the account. I received another noticed from my county tax office that a payment is due for XX/XX/XXXX. When I called my servicer today, they advised they " see multiple requests in the system- but it wasn't being done for some reason ''. They advised I would need to pay it again, send the receipt and all information again ( now the 3rd or 4th time information will be provided ). This call was over 30 minutes long, as all the others have been. 

- multiple occasions requested ( and noted in their system ) tax escrow added, most recently XX/XX/XXXX. 
- provided all required documentation requested by servicer, by submitting to their website - provided documentation on multiple occasions, including every possible document available to me from my county tax agency- was never contacted as to any issue or defect with submission, never received any reply - multiple phone calls 30+ minutes in length, most recently XX/XX/XXXX - no information, documentation, or response available online to reference this issue at any point - no phone call received about this matter, only contact ever from them is marketing and ads- again advised XXXX pay it myself and call back with a ticket number so they will take care of it- in XXXX, advised the company that their failure to establish escrow over multiple requests was a servicing violation and advised i wanted to file a complaint and escalate the matter, but nothing was done

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have had autopay set up on my Apple Card since the day I opened the card. Today, I got a notification that I was " Past Due '' on my payment. Goldman Sachs failed to process my automatic payment and is trying to blame me! Every single month the automatic payment has worked until now. With absolutely no warning, Goldman Sachs either canceled the automatic payment or intentionally did not process it in order to charge me fees or otherwise attack me financially. 
When contacted, I was simply told I could not be helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-03-01 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: MI

Complaint narrative:
The XXXX XXXX  XXXX does not report to credit agencies. I have not gave permission to any agency to report bankruptcy on my credit report. Experian, XXXX, XXXX all have violated me by placing this on my report. I have been denied credit because of this. The Bankruptcy Court is not responsible for credit reports and does not have any control over your credit report. I have tried to disputing this with the above credit agencies but have not had any luck.

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 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
About 6 months ago I applied for a personal loan from Citibank. The loan application stated that if payments are made with AutoPay, there would be a 0.5 % APR discount. I have used auto pay since the origination of the loan, and have yet to receive the reduced APR. When I made a complaint to Citi, they said that the loan needs to be paid with a Citi checking account to get the discount. That information was not provided at the time I applied for, or accepted the loan. I find this to be very deceptive marketing. Citi refuses to honor the offer. 

The offer is still advertised on their website : " Fixed rates of 9.49 % - 20.49 % APR. Additionally, there is a 0.5 % APR discount if you enroll in automatic payments at the time you submit your loan application ''

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 2023-03-01 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: OR

Complaint narrative:
After sending out multiple letters to the credit reporting agencies and then calling to follow up with my XXXX report sent to EQUIFAX with all the required documentation, EQUIFAX has continued to violate my rights as a consumer, per 15 USC 1681c - 2 ( a ) The CRA is REQUIRED to block any of the information on the report and or file of the consumer if the consumer identified the information as a result of an alleged identity theft within 4 business days after the receipt of the identity theft report and required accompanied documents. Every single time I have called to follow up the person tells me they can not remove the accounts even after stating my federally protected rights to them. They send me on a wild goose chase connecting me to supervisor after supervisor who says the same thing as the previous. EQUIAFAX has also violated 15 USC 1681b ( a ) ( 2 ) ALL CRA 's need your written instruction/permission to furnish anything on your consumer credit report. Which I have not given and they continue to argue against the law and report these fraudulent accounts on my credit report and file due to the CRA 's lack of professionalism and honesty in reporting. My rights are being violated and this needs to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NJ

Complaint narrative:
I have been unable to contact Transunion about a credit report dispute. 

Numerous calls to their call center get hung up on, despite calling during their office hours, following the prompts and waiting on line. I made six calls today, XX/XX/ Their web site is inaccessible. It doesn't recognize my sign in information. They promise to send a code to my email but no code shows up. I try and try and still no code to sign into my dispute account. I checked spam, junk, etc. but no code. 

I try to reset the password on my account to get in but the reset password site just goes around and around asking the same questions over and over again. 

They appear to be dodging access.

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