vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I opened a account with XXXX  XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with XXXX  XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a XXXX XXXX around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the first of XXXX and immediately made my payment now is when my problem begins XXXX XXXX turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted XXXX XXXX trying to explain my situation that's when the problem started they have lost my account, Number XXXX XXXX  XXXX/ XXXX were in the process of parting ways I was cought in the middle I contacted both XXXX and XXXX they have no account information I have been going through a credit repair program but this bad report is still on my Experian report I need it removed Please help 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 explanation
Consumer complaint received 2021-05-14 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and TD Auto Finance in order to process the claim but the two companies were very non-compliant providing that information. I called TD Auto Finance several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting TD Auto Finance and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from XXXX telling me that my credit score had dropped dramatically. When I checked XXXX I noticed that TD Auto Finance had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history XXXX was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, TD Auto Finance reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with XXXX and TD Auto Finance and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I refinanced my mortgage with Freedom mortgage. The closing was done on XX/XX/2021. The paperwork stated e loan will be disbursed on XX/XX/2021. I checked on XX/XX/2021 with my existing mortgage servicer and I was informed the loan had not been paid off. 
I called freedom mortgage and I was told the loan would be disbursed on XX/XX/2021. I kept asking for an explanation of why I was not informed of this delay and none gives me an explanation. 
I checked today XX/XX/2021 and my existing mortgage servicer tells me the loan has not been paid off. Freedom mortgage tells me they have paid off the loan. I asked freedom mortgage for proof and they say that they can't provide me that information. 
I am worried since today is the XX/XX/2021 and I am past due on this mortgage for no fault of mine because freedom mortgage did not take care of funding the loan in time after closing.

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 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My XX/XX/XXXX bank statement shows transactions through XX/XX/XXXX. Transactions on the following statement for XX/XX/XXXX begin on XX/XX/XXXX. There is a 10-day gap in reported transactions at year end, which is indicative of one or several transactions taking place at this time XXXX XXXX to XX/XX/XXXX XXXX with a net zero effect on account balance that the bank was able to affect but did not 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 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am not aware of why my account was closed on good standing. I had one return payment on my account because I forgot to change to auto draft account from a closed account to the new one, but that is not a reason to close an account. It's not like I was behind or owed you several dollars. The rep told me the account was closed because of a return payment in XXXX, even though Paypal received a payment after I noticed that it had the wrong account. They do bad business and treat their customers XXXX on PAYPAL and 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 2021-05-14 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-14 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: FL

Complaint narrative:
Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A XXXX FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify 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 explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/21 my bank statement shows a refund credit from XXXX in the amount of {$100.00}. The credit references my name and a number XXXX, which according to XXXX is my Wells Fargo account number that originally remitted the {$100.00} being returned. 
My legitimate Wells Fargo account is XXXX and is linked to my XXXX account and the account that received the refund. 
Wells Fargo denies the existence of account XXXX, despite my XXXX account receiving {$100.00} from it.

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 2021-05-14 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: NY

Complaint narrative:
There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
MY MORTGAGE WAS SOLD TO SUNTRUST. I HAVE RECEIVED NOTICES FROM SUNTRUST, THAT MY HOMEOWNERS INSURANCE HAS NOT BEEN PAID.I ALREADY SENT PROOF OF MY PAID INSURANCE FROM XXXX MY INSURANCE CARRIER AND STILL NO SATISFACTION. 
MORTGAGE LOAN 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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To whom it may concern, I have a charge off from SYNCB/TOYSRUS that is still listed on all of my credit reports. 

I called several times regarding this and was told by SYNCB/TOYSRUS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from XXXX SYNCB/TOYSRUS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX  and XXXX ) as they had promised. 

Card Detail : SYNCB/TOYSRUS Opened XX/XX/XXXX ( 6 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts and assistance in having this removed, I am grateful.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX insurance indicating my personal info was stolen.

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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am a customer of TransferWise ( now XXXX ) ( Membership XXXX ). I submitted two transfers that have the same recipient : # XXXX on XX/XX/XXXX, XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX  All funds in XXXX are supposed to arrive in one working day. But there are significant delays. I have contacted TransferWise every morning and every evening in the last two weeks. But no progress was made. On XX/XX/XXXX, TransferWise received the requests from their banking partner XXXX.XXXX, then they replied and sent the information to XXXX.XXXX  on the same day. Till now XX/XX/XXXX, I still did not receive any updates on the two transactions. It's easy for TransferWise to contact XXXX.XXXX directly to follow up on the progress, to see the current status of the two transfers and whether there are other issues that cause the delays. But they don't do anything and just wait. Even if I told them the funds from these transfers are in urgent need, they kept telling me that they have already sent the requested information to the bank and asked me to wait. They did not provide me any updates and are not willing to contact XXXX.XXXX  again to see what happened. 

My family moved from U.S. to XXXX this XXXX. All the funds are from our own savings and are used for our house downpayment in XXXX. Because of the delays, we can't provide the down payment on time, and we will lose XXXX security check as well as our first dream house in XXXX. We feel frustrated every moment in these two weeks. 

Please ask TransferWise to address the issues with their banking partner XXXX.XXXX  directly, and have the recipient receive all the funds as soon as possible. We don't want any delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I attempted to cash a check from my own business account at a local BBVA bank in XXXX, Texas. The bank branch manager refused to cash the check and the reason was that the check was dated a few days after 6 months from the present date and that they were not allowed to cash it. Considering that this is my own business account and there are more than enough funds available to cash the check there is no reason for the bank not to honor the check for cash. Further, this account has been in existence with this bank for over 35 years and never has there been a notice of such an expiration date. I request your office 's assistance in getting this trivial matter resolved. Any assistance you can provide on this complaint will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Rent Recovery system sent me a letter in XXXX of 2020 stating I owed Rent to XXXX  XXXX  I wrote back to Rent Recovery asking for verification of this debt because I never lived in those Apartments. Rent  Recovery said that they validate the debt I asked how did they verify the debt and asked for documentation showing I owed the debt they sent a move out summary which doesn't satisfy the requirements of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CA

Complaint narrative:
a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX XXXX  indicating my personal info was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CREDIT FINANCE
State: GA

Complaint narrative:
I had a car loan for a XXXX XXXX XXXX with First Credit Finance that was repossessed in XX/XX/XXXX. This car was sold on or before XX/XX/XXXX. I was never provided any information as to the sale of this vehicle or any deficiency balance or credit as it is stated in California law Civil Code section XXXX reads : " Any provision in any conditional sale contract for the sale of a motor vehicle to the contrary notwithstanding, at least 10 days ' written notice of intent to sell a repossessed motor vehicle must be given to all persons liable on the contract. The notice shall be personally served or shall be sent by certified mail, return receipt requested, directed to the address of the persons shown on the contract, unless such persons have notified the holder in writing of a different address. The notice shall set forth that there is a right to redeem the motor vehicle and the total amount required as of the date of the notice to redeem ; may inform such persons of their privilege of reinstatement of the contract, if the holder extends such privilege ; shall give notice of the holder 's intent to resell the motor vehicle at the expiration of 10 days from the date of giving or mailing the notice, or if given by mail and either the place of deposit in the mail or the place of address is outside of this state, the period of notice shall be 20 days instead of 10 days ; shall disclose the place at which the motor vehicle will be returned to the buyer upon redemption or reinstatement ; and shall designate the name and address of the person to whom payment shall be made. During the period provided under said notice, the person or persons liable on the contract may pay in full the indebtedness evidenced by the contract. Such persons shall be liable for any deficiency after sale of the repossessed motor vehicle only if the notice prescribed by this section is given within 60 days of repossession and includes the following .... 

I reached out to XXXX XXXX on the following dates via phone, email, letter, certified letter and XXXX : XXXX phone & XXXX email, XXXX XXXX email, XXXX ( XXXX XXXX, XXXX XXXX sent certified leter ), XX/XX/XXXX ( XXXX  automatic resend ), XX/XX/XXXX ( XXXX  automatic resend ), and again today XX/XX/XXXX. 

They have yet to provide any documentation in writing that substantiates this balance on my credit report of {$5900.00} or {$9500.00} ( experian ). The first three email requests were sent prior to me learning about the California law Civil Code section 2983.2 ; which they never gave me an answer to and has called me twice when both the certified letter ( which they signed ) and my text messages stated I wanted all information in writing.

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 2021-05-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax/ XXXX  is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave Equifax or XXXX  any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.

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