vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: VW Credit
State: TX

Complaint narrative:
I am writing to you, once again, with added urgency regarding a pressing matter that has significantly impacted my financial situation involving Audi Financial.

Despite owing less than {$5000.00} on my vehicle, Audi Financial has refused to provide an extension, putting me at risk of repossession. I am only behind one payment and currently in between jobs, making this situation particularly challenging.

Additionally, I want to bring to your attention that Audi Financial 's phone calls have become harassing. They are calling me about five times a day, which is excessive and distressing, especially considering I am only behind one payment.

Furthermore, when I initially purchased the vehicle, Audi Financial charged me for a protection plan. Despite disputing this charge for over two years, they have neither refunded the money nor provided any resolution. Audi Financial directed me back to the dealership, and the dealership referred me back to customer service, creating an ongoing cycle without a resolution.

I kindly request your urgent assistance in navigating these complex issues with Audi Financial. The lack of cooperation has left me in a precarious situation, and I believe your intervention could facilitate a swifter and fair resolution.

If there are specific contacts or departments within Audi Financial that could address these concerns, please guide me accordingly. I have attached relevant documentation for this matter.

Thank you for your immediate attention to this urgent matter. I appreciate your efforts in bringing about a timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I am writing to complain about the services I've received from MOHELA and the consequences of their poor customer service on my student loan balance, including my consolidation loan for XXXX degree and my XXXX XXXX. MOHELA delays and processing errors have negatively impacted my account and I request the current interest rate to be changed to zero and no capitalization. I wrote to formally request all interest from XXXX accrued to be removed from my account. This includes all interest that continues to accrue on my account in XXXX due to processing delays that are no fault of my own. The delays caused by MOHELA processing of my XXXX application on multiple occasions since XX/XX/XXXX have led to increases in interest that should be removed from my account. In fact, all interest that has been capitalized since XX/XX/XXXX needs to be removed. I have experienced incredibly long processing delays, relaying of incorrect information from MOHELA representatives over phone calls, instances of MOHELA representatives telling me I am on administrative forbearance when I have not been placed on it even after requesting it on many phone calls and being placed on hold for hours. I was also given incorrect information by a MOHELA representative during my consolidation application was being processed and was told via phone that ALL of my loans were forgiven and " no action is needed ''. This is not what is reflected in my account. Every agent I have spoken to has provided different information and I was incorrectly denied an IDR application. I have been asked to recertify income 4 times now in XXXX without any progress made on being placed on the appropriate IDR plan. Additionally, I should have been on an XXXX plan prior to my loans being transferred to MOHELA when they were with Great Lakes. Since XX/XX/XXXX I have spent XXXX hours on phone calls, emails, and documentation updates as a result of these inefficiencies and my account reflects this poor service with the increased interest added. Additionally, my PSLF forms have not been updated appropriately on my account, and my payment count is lower than it should be. I am documenting every conversation I have with MOHELA representatives in writing and will keep my records or conflicting information provided and I will be utilizing this information as I continue to submit documentation to support my PSLF forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
I have put XXXX in a debt management program and they sent my debt too Jefferson capital systems in XXXX they have broken the agreement by the debt management program

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a BBVA VISA credit card. I called the number on the back of the credit card to close it ( XXXX ) and someone answered right away which I thought was strange ( without any recording ). I told him I wanted to cancel this credit card and he said that he needs another credit card information to verify me. That is when I decided to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation.

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation.

Sincerely.

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 2024-01-10 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX XXXX XXXX, I purchased a bunch of chocolate bars while on vacation in XXXX. They were gifts for people back home in the US. My daughter opened hers and saw that the chocolate was rotten. XXXX and discolored. And it tasted disgusting. I went online with the Barclay 's AAdvantage Mastercard to open a dispute. The online system kicked me out when I answered " no '' to " have you tried to return the item. '' Obviously I couldn't fly back to XXXX. I tried to contact the place in XXXX where I bought them ( XXXXXXXX XXXX XXXX ) but they don't monitor their XXXX  page and I'm guessing it would cost me a lot to call them. 

I then called the CC/Barclay 's to open the dispute since the online system didn't work. I was told I had to send in written documentation, which I did on or around XX/XX/2023. I sent the receipt and a pic of the nasty chocolate. Weeks went by with no information, so I called again. 

I was told they would not refund my money because I bought the stuff in person and apparently, it was my job to inspect it????? When I told them that it's ridiculous to think that I need to open every food item I will ever buy to make sure it's not rancid is beyond ridiculous. I made numerous calls to agents and supervisors and at one point they canceled my card and hung up on me. 

So if they canceled the card due to the {$55.00} issue, that tells me that it was a bad transaction and that my money should be refunded. They were beyond rude. I even wrote to them online ( XXXX ) to be told they can't really do anything. They offer a lame apology. So now I'm out {$55.00} and my CC has been closed. I don't ever plan to use the card again so I don't wish for it to be reopened.

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 2024-01-10 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARG OIS REPROTING A FRADULENT ACCOUNT ON MY CREDIT FILES AND UNDER MY RECORDS WELLS FARGO CARD SER : XXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Reported balance {$2500.00} Actual payment amount Date of last payment XX/XX/2023 Past due amount Account status Pays account as agreed Date reported 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 2024-01-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Peer Advisors, LLC
State: ID

Complaint narrative:
HUDs third-party contractors employee that I was assigned as my loss mitigation specialist, Gave me false information, went out of his job description, approved the request for payoff when it should never have been approved which I didnt know until that guy from the fraud department at Hud told me . he gave me false information and he was negligent on reporting fraud. I reported it to him in XXXX and it was months later before I actually talked to somebody else and was able to get it reported his negligence going out of his job description cost me {$160000.00}. Compulink or XXXX needs to be accountable for the actions employed by their employee. The fraud department specialist from Hud specifically told me that this employee had went way out of the job description and giving me all these faults information of what to do to sell the home with a realtor I mean just all sorts of things that wouldve resulted in foreclosure, and me being sued again, and resulted in all this loss of money that somebody needs to be responsible for. I trusted that who I was assigned to as my mitigation specialist information had been given was correct and true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
iN MID XXXX XXXX  GOT CALL AT HOME FROM wELLS FARGO COLLECTIONS TELLING ME I AM 2 MOTHS BED=HIND OWE {$140.00} i THOUGHT WAS PRANK tURNED IUT wELLS fARGO CHAGED ME CREDIT CARD FROM PAPAER TO GIGITAL WITHOUT MY PERMISSIOMN ANS NO NOTICE, wf THEN WENT ON AND REPRUED ME LATE A ND BEHIND PAYMENTD TO XXXX. mY CREDIT SORE WAS XXXX XXXX AN D WF MADE SCORE XXXX CANT GET CREDIT AND PAYING HIGH INTEREST WF SENDS ME OFFERS XXXX INTETREST CREDUT AND REFUSES YO FU=IX THIS AND IGNORES MY CALLE=S

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX of this year I made a deposit to Navy Federal credit Union from a check that was written for me from my mechanic from XXXX XXXX  XXXX. Upon following the bank directions and making a mobile deposit to Navy Federal, I signed the check and wrote on the back of the check for Navy Federal credit Union mobile deposit only as instructed. 
After making my mobile deposit, The check written out to me was apparently stolen and got someone elses hand and that person cashed it at XXXX XXXX XXXX. 

Im not sure how XXXX XXXX XXXX was able to cash it without my identification and it was written out to me and already deposited to Navy Federal. Navy Federal took the funds back from my account and left my account overdrawn. 

At this point, I do not know which bank to blame. 

I know that XXXX XXXX stole my check and banks with XXXX. I do not know how he was able to take my check and cash it. 

Now my account is overdrawn and everything I have is gone. I do not know how Im going to survive the next few weeks as this was a check written for me to get another car for transportation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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