vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Companies Involved : - XXXX in partnership with XXXX XXXX  ( card provider ) - Experian - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, CA. Similarly my accounts have not spent any money in California store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Today, XX/XX/21 I received a welcome packet and checks from TD bank for an account I never opened or authorized. I did not authorize the account or have any knowledge of its existence prior to today. After contacting TD bank this evening they confirmed they will close the account immediately which Ill be reflected in 2-3 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: OR

Complaint narrative:
I filed for Bankruptcy on XX/XX/XXXX, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : Experian is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...

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 2021-08-24 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
1. Intentional con-predatory monthly billings 2. unauthorized modification of loan balances and monthly payments as opposed to agreed amortization payment schedule 3. Unauthorized modification, substitution and addition of items on the agreed mortgage loan documents agreement.

4. False claims of Default payments, unauthorized charges and fees 5. Threats of foreclosure, unauthorized surveillance and intrusion, trespass 6. Failure to apply received monthly payments checks, hoarding of payment checks and conversion 7. continuing endangerment of mine and family 's lives and casuation of emotional distress and et cetera

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
From last three months American Express is playing games with me, American Express or Amex is rejecting all the disputes I am filing left and right. 

But I was shocked about the recent American express dispute I filed in the month of XXXX for {$430.00} of XXXX XXXX in XXXX XXXX, XXXX, the investigation took over a month and i was finally given a permanent credit on XX/XX/2021 of {$430.00} on XX/XX/2021. 

Now I received an email yesterday that again I will be charged {$430.00} in my Account. 

What happened to American express I want to ask? Their service has gone to the doldrums. 

My next step would be to go to court regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XXXX  has knowingly violated FCRA 15 U.S.C. 1681n Civil liability for willful noncompliance. They have not responded within the allotted time. They have also violated 15 U.S.C. 1692g, this agency was to notify me of this in writing five days prior, I was not notified. As the original creditor only I can validate this debt. I do not validate this debt. I have also been involved in identity them these items on my report are not mine. 

XXXX XXXX XXXX Account number:XXXX Child Support Enforcement Account number : XXXX Santander Consumer Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Statewide Credit Services Corp.
State: NY

Complaint narrative:
XXXX  has knowingly violated FCRA 15 U.S.C. 1681n Civil liability for willful noncompliance. They have not responded within the allotted time. They have also violated 15 U.S.C. 1692g, this agency was to notify me of this in writing five days prior, I was not notified. As the original creditor only I can validate this debt. I do not validate this debt. I have also been involved in identity them these items on my report are not mine. 

Statewide Credit Service Account number:XXXX  Child Support Enforcement Account number : XXXX XXXX XXXX Account number : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Someone called on XX/XX/2021, and said that I had charges on my XXXX account and that they were going to set up security and make sure I got the money back. They took control of my computer which had my banking information on it. They went into my account and wired themselves {$3100.00} out of my checking account. Once I realized this had happened, I called Wells Fargo immediately and submitted a fraud complaint and was told they would work on it and it would be resolved as soon as possible. I received a letter from Wells Fargo saying that because they could not prove that I did not willingly allow the person to take the money, they are unable to refund my money. Basically, their thought is that there is a chance that I was in on the whole situation and may be benefiting from what has taken place. I was unaware of what was going on and wound up getting money stolen from me and nobody from Wells Fargo can give me any more options.

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 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I have received a letter from American Express Business credit card in which they thanked me for enrolling in The American Express Relief program for which I was expecting to pay on a monthly basis {$68.00} up to 12 months in order to bring back to XXXX  an initial due payment of {$880.00} Dollars. 
So far, 2 payments has been made in XXXX & XXXX of XXXX  for {$68.00} Dollars each. 
Even though I am in compliance with the original agreement they validated on XXXX XXXX 
The have abused their power of reporting to the credit bureaus by doing the following steps : 1- Closed my credit card services 2- Saying that my account is due and in collections XXXX- despised paying on time per their mutual agreement, they have been reporting in a negative way to the credit bureaus that the account remains unpaid, balance is behind 4- the most unethical behavior from a company that tries to offer competitive and reputable services, when in reality stings you like a serpent. 
5- they ruined my credit for this unethical way of reporting, abusing the trust of consumers Please help me out to resolve this issue! This behavior is fraud!! 

I called twice on the subject, they said call the credit bureaus when the credit bureaus stated it was up to them to fix it. 

Look forward to hearing from you on this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been disputing since the beginning of XX/XX/2020. I received a copy of my credit report and found the following account to still be reporting inaccurately after your investigation. The accounts you are reporting is identified as a ( charge-off or collection ) yet you continue report past due balance. It would be impossible for me to default on payments after the fact. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being. Both Accounts are paid off still reporting past due.. 

XXXX XXXX - XXXX XXXX XXXX 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 2021-08-24 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:
I submitted a letter to Equifax, XXXX  and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
I wrote XXXX  on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/2021 To Whom It May Concern : We sent a detailed complaint letter to Navy Federal Credit Union ( NFCU ) prior to filing this complaint with the CFPB. The response was short and did not address the points that we requested in our initial letter. In fact, they took over 2 months to create a one-page document. In particular, they failed to investigate the behavior of the loan officer and function of the appraisal appeal process as well as how they select appraisers. 

As we mentioned in our initial complaint, the appraiser had an unprofessional website. Also, in the time since we filed our initial complaint, the appraisal firm selected by NFCU has apparently went out of business. We questioned the legitimacy of the firm in our initial letter as mentioned previously. 

Further, after we did a quick check, the business is not in good standing with the State of Maryland. 

NFCU did not address our concerns with the appraiser or the appraisal process in general. Frankly, this is unacceptable as the letter was specific and polite. It deserves an adequate response at the minimum. As stated in the complaint letter, we requested a refund/revaluation of the pricing for the loan. 
They have ( initially ) refused to do so. However, we still believe the appraisal was poorly done and needs to be revisited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: AL

Complaint narrative:
I have been disputing since the beginning of XX/XX/2020. I received a copy of my credit report and found the following account to still be reporting inaccurately after your investigation. The accounts you are reporting is identified as a ( charge-off or collection ) yet you continue report past due balance. It would be impossible for me to default on payments after the fact. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being. Both Accounts are paid off still reporting past due.. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Received letter XX/XX/2021 stating my account was to be debited {$500.00} for two checks my wife cashed on XX/XX/2021. Letter states these 2 checks were cashed twice at two different branches by my wife XXXX XXXX, who is on the account. These are her payroll checks received weekly @ {$250.00}. I have gone to 3 different in-person appointments at 3 different branches. I had also opened a case with U.S. Bank corporate to investigate how this could have happened. My wife could not have cashed these checks, then have the clerk hand them back to her. If by chance it did happen, she would have immediately asked why they were handed back to her. I have worked with XXXX at my local branch in XXXX, Ca. She worked on it for appx 3 weeks. Then told to work with the XXXX, Ca branch manager XXXX XXXX. Who then told us to work with XXXX at the XXXX XXXX, Ca branch. No one can explain where or why the {$500.00} has gone. Local branch personnel say its a common error and keep fighting. ( of the record of course ) I have all correspondence copied as well as phone records

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank Is crazy Im a victim Of Identity theft fraud never applied or had any accounts with them but they wont let me open one either so confusing I want a checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
After completing a loan forbearance under the CARES Act in XX/XX/2021, I was placed in a VA Streamline Covid19 Disaster Modification repayment in which I have been on time each month. However, Homebridge Financial is negatively reporting my payments citing that once the initial prequalification is completed ( 3 months ) then they will remove the negative reporting to my credit. This does not make any sense and I never signed anything agreeing to such a crazy process. I feel that I am being discriminated against and I need your help to resolve this issue and make whole the credit reporting issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This bank is crazy Im a victim of identity theft and never applied or had any accounts cards with them I recently got declined for my Marriott card because of account closure but I never applied for that account its not fair how they are very bad Customerr seevice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: MD

Complaint narrative:
I informed company that name on account was not my information as I have no legal documentation with that name and that my spouse last name is on bill but I was not the one that opened account and that they need to fix this information and stop with the unnecessary phone calls as I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
I submitted a letter to XXXX, XXXX and TransUnion on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.

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 2021-08-24 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: TX

Complaint narrative:
I submitted a letter to XXXX, Experian and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.

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 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I refinanced my ally auto loan with my personal and I got the payoff check and called ally to get the right information to send the check. I read the address back multiple times and the guy said yes correct. I send the check on XX/XX/XXXX next day, I check tracking on the XXXX it shows delivered. The payoff was good until the XXXX so on the XXXX I check to see if check cleared and my ally account shows passed due, huh? So confused I call my bank and the inform me that ally cashed the check on XX/XX/XXXX. So now I call ally back and tell them about the check being cashed and nothing. They never have answers they cant tell me anything they act like there clueless and hang up the phone. I dont know what else to do I can give proof later if needed I dont want ally to see my information yet

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