vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
We purchased a vehicle from XXXX XXXX XXXX, XXXX VA in XX/XX/XXXX, financing it thru Chrysler Capitol. In XX/XX/XXXX we refinanced it thru XXXX XXXX XXXX XXXX, and so the loan was paid off at that time with Chrysler. On XX/XX/XXXX, I accidentally, thru my bill pay feature at XXXX, sent {$450.00} payment to Chrysler Capitol. By that time, I had no account, owed them nothing. After realizing my mistake, I called their customer service number, and was told it could take 30 days to receive my money back. After 30 days I called and they said it could be 45 days, after that, 60 days. Then they said it was " under review, could be 90 days, the check would be mailed by Friday, and the check was in the mail, etc etc. '' I have called multiple times, always told a different story, passed around to managers and supervisors, and now we are at the point that when we call, we are put on hold and no one returns to the phone.My husband and I have talked to everyone that they will let us talk to at Chrysler Capitol, spend hours and hours on hold, being transfered to various people, and no one will help us. We have financed 2 vehicles with Chrysler Capitol were good customers, never late or defaulted on any payments, this was just a mistake on my part. Why would they not return that money? Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit 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 2021-08-16 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.

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 2021-08-16 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to 15 USC 1681n ( b ) " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency or {$1000.00}, whichever is greater. '' As a consumer and a natural person I did not consent to, authorize nor benefit from any of the following inquiries. 

Block and remove XXXX XXXX  XXXX XXXX XXXX from my equifax report Block and remove XXXX XXXX XXXX XXXXXXXX from my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
This was detected by credit monitoring ( XXXX XXXXXXXX and XXXX. Showed up as a collection account and I don't have any accounts in collections. I have never heard of this company nor recognize the amount they are collecting.

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 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I sent out a validation request form & the company refused to get back with

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 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc
State: GA

Complaint narrative:
As the CONSUMER I have contacted United Resource Systems , INC. and all 3 Credit Bureaus multiple times about validating an alleged payment they say I owe using certified mail XX/XX/2021 Certified Mail Receipt Record # XXXX XX/XX/2021 Certified Mail Receipt Record # XXXX I listed the items pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 609 & Section 611 ( a ) ( 1 ) ( A ) ( my original consumer contract with my signature on it ).

1 ) Please provide the name of any parent companies that this financial institution is operating in contract with in respect to the claim herein 2 ) Please provide the EIN number and CUSIP number of this company/corporation/financial institution 3 ) Please provide an affidavit stating that you have enforceable payment interest in the contract account # XXXXbased on SEC files including all prospectuses XXXX registrations XXXX registrations and all other SEC documents pertaining to the above mentioned claim 4 ) Please provide documents pertaining to any stock, securities, bonds etc associated with this specific account number.

5 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 6 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 

You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws Said Directors, Managers, Supervisors, and Employees in the name of United Resource Systems , INC allegedly executed a contract with the requester and it is affirmed by requester that they violated the law in their actions of alleging the requester owes them a debt. 



They have not provided the validation for this and continue to cause me nuisance, humiliation, defamation, and financial distress by continuing to report this unverified claim impeding and halting my ability to utilize my credit as needed during this pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I, XXXX XXXX ( the consumer ) living being, extended credit to American Express in XX/XX/XXXX pursuant to 15 USC 1601. American Express is a debt collector and had been misleading, falsely representing, and committing fraud. They have been sending me alleged bills which I will attach as an Exhibit of the fraud, misleading, and false representation they have been committing against me the consumer and living being. My Exhibit will show the following violations that American Express have infringed on me. 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1692d ( 2 ), 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ), and 15 USC 1605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have recently disputed charges made fraudulently on my debit card. Said charges occurred on the following days, and my card was fraudulently used to make unauthorized cryptocurrency purchases via a merchant named XXXX using XXXX XXXX. The dates and amounts are as follow : XX/XX/21 - {$400.00} XX/XX/21 - {$1100.00} XX/XX/21 - {$1600.00} Previously, I had contacted the merchant whom after conducting there own investigation agreed that unauthorized transactions did take place, and had refunded me roughly {$3000.00} based on the dates I had provided them with. They also terminated my account. After further reviewing my bank statements, I noticed that there were additional charges that had taken place but were not refunded by XXXX as I did not include them in my initial report. As such, I contacted XXXX, who advised me to contact my bank for further assistance as my account has been terminated and can no longer be serviced from there end. So, thats what I did, disputing the above aforementioned charges. Wells Fargo proceeded to deny my claim and tell me that there was nothing I could do. How does it make sense that the merchant refunded me, agreeing that unauthorized transactions took place, and yet Wells Fargo denied my claim? Every attempt to follow up With Wells Fargo regarding the issue is met with generic responses and no effort to assist me whatsoever.

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 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I initiated a transfer through Xoom, a XXXX company ; transaction # XXXX. The transfer was from my XXXX Checking Account ending in XXXX to a savings account ( USD ) I have in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$570.00}. Per Xom 's email dates XX/XX/XXXX, the funds should be available on XX/XX/2021. Xoom 's fee for this service is {$9.00}. 
As of today, XX/XX/2021 I have not received the funds. After several communications with Zoom, on Friday XX/XX/XXXX I was told they continue to have a technical dificulty, they can not give me an estimated date this issue will be resolved, and I can not cancel my transaction. Note the funds are still in my XXXX account, they were never withdrawn ; however, if I can not cancel I am still under contract to provide the funds. 
I am looking for them to either finalize the transaction or cancel so I can look for another solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Peak Acceptance, LLC.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There has been stolen identity to my XXXX XXXX  account. I have gotten my wallet stolen and there's been 2 checks that was process and taken out of my account and put me in a negative with XXXX XXXX  on both accounts checking and savings I'm under a hardship with financials with no job! And I do not have a chase account. I have proof that someone did cash checks and fraud by forging signature. Please help me with this problem I can send documents to show proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANCORPORATION
State: FL

Complaint narrative:
I closed my account because they let XXXX take funds from my account could not tell me for what I made joke about going after XXXX for my money bank called police sent my house XXXX threat but real reason I have refunds about {$200.00} and they are holding my funds plus cant access old account for {$230.00} taking out for fake XXXX  purchase I never received need documents to send to XXXX they took money out my account but cant find it???? I just want my bank stand my refunds that I can prove items returned purchase with cadence bank and XXXX bank they called police on me after joke made and after speaking to bank manager saying it was joke sent police to my home .XXXX people quick to call authorities on XXXX people if they feel uncomfortable threatened just refund my money never seen any XXXX employees working for cadence bank either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX ... XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-08-16 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: HW Holding, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation