vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Douglas L. Brooks, PC
State: GA

Complaint narrative:
XXXX XXXX XXXX. 
I purchased a car from a small car dealership off XXXX XXXX in XXXX XXXX in XX/XX/2015. The company went out of business four years ago, I was still taking payments to the manager. He did not share with me that the company had folded, and he was still taking my payments from me. I found out that the loan was sold to another company. They repossessed the car stating that I never made payments. The car loan is not on my credit because the old company wrote the loan off and it was removed from my credit. The new company stated that they purchased the loan, and they stated that they served a letter to my mothers old address stating that I am still responsible for this loan, for a car that I no longer have. Clerical billing errors were made, payment mismanagement, and the companys record-keeping of customer files was unkempt. 
I would have responded to them promptly If I would have received a notification to dispute these claims I would have provided all the money orders that I gave the dealership for payments. I cleaned all my files since the account was removed from my credit because the debt was removed. I am requesting that the errors be corrected and that any charges be removed. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

Complaint narrative:
There are unauthorized businesses on 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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, On XXXX XXXXXX/XX/2022, I deposited in person at Citibank, an {$8000.00} check I received from the XXXXXXXX XXXX. The next day, I deposited XXXX smaller checks via mobile deposit. On XXXX XXXXXX/XX/XXXX, I learned that my account had been closed due to unusual deposit information. As a result, they informed me that my balance had not reflected any funds from any of those deposits. When I contacted the casino, I learned that they check had indeed been cashed on the XXXX of XXXX. I am in desperate need of those funds as I have a foreclosure court date approaching on XX/XX/XXXX and I need to have my balance paid to date. Citibank does not have any information regarding where I will receive my funds but said it could take up to XXXX XXXX, This is outrageous! How is this legal?

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 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I sent out a notice of rescission, truth of affidavit and cease and desist to the company Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and neither have replied. Bridgecrest has since stopped the phone calls which was explained in the cease and desist which gives indication that they have received my letters however they never responded. I have documented proof of delivery of these documents to both companies. I entered a contract with these companies on XX/XX/XXXX and have since noticed many violations of my consumer rights. I listed those rights in the mailing and explained how they violated them and by law what they must do. I have asked for my down payment of {$2000.00} and all monies paid towards the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did Capital One Auto Finance attempt to repossess the vehicle. I filed a credit bureau review request with Capital One, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX submitting this complaint against Equifax Information Services LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX p.m. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within XXXX business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been attempting to freeze my XXXX child 's credit file with Equifax for months now. Equifax sent all information to a former address ( that the child never lived at as we had moved from that address over a year before he was born ). Upon attempting to get Equifax to update that address, they claimed we needed to provide more information to verify our identities and the child 's identity. This cycle has now happened 4 times over ; we provide to Equifax all they ask for and they return a stock letter claiming more info is needed. We've sent the information they requested by fax and by mail and still they claim more information is needed. 

We have also spoken to Equifax by phone and their employees do not know or understand why we are getting this result but only suggest to " try again '' yet another time. 

Furthermore, we believe Equifax has acted negligently by sending the original notice of freeze ( and presumably PIN number or other identifying/personal information ) to an address that this child never lived at, and we had moved from over a year before he was born. We had promptly updated our address with the XXXX and all banks/credit cards/employers within thirty days of moving, so it was not by any negligence on our part that they had the old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
I paid my mortgage in full on XX/XX/2022 via wire transfer. Cardinal Financial confirmed payment in full. However Cardinal has not released the lien on my property. Washington State requires mortgages to be released within 60 days. XXXX XXXX When contacting Cardinal ( also known as XXXX and XXXX ) they claim they need more time to complete the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
My problem is with American Express. I have been a member since 2016 and recently got into some financial problems and had trouble paying my bill. I turned auto pay off with them 4 months ago so that I could pay when I could. Today, XX/XX/XXXX Amex pulled a payment without my consent for the entire amount owed. This action put me in the red with my bank. I called Amex and was told that I still had auto pay on. I did not and argued with him. They haven't pulled a payment in that 4 months because auto pay was turned off. Now all of the sudden they pull the entire amount and cancel my card. My bank is trying to stop payment. I feel like this is abuse and totally unjustified. I am outraged at Amex and need someone to put a stop to this kind of unlawful practice. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from chase informing me that my account would be closed. On XX/XX/XXXX, I went to their branch to ask the bank staff about the reason for closing the account. The bank did not tell me the reason why my account was closed and my account balance will be mailed to me by check within 20 working days. A month later, I still hadn't received a check. I called the chase customer service again, and the customer service told me that I would send a check to me within 7-10 working days, but I still haven't received my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Clarify Services didnt have permissible purpose or written authorization to pull my consumer report for any reason on XXXX, XXXX 2021. This inquiry is unauthorized. I dont give anyone from Clarity Services or XXXX XXXX XXXX to pull my consumer report. Under the FCRA requirements permissible purpose 1681b allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : ( 1 ) in response to a court order or Federal Grand subpoena, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Clarify Services didnt have either or the above mentioned requirements to pull my consumer report. I have attached my Affidavit of Truth with this dispute.

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 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We purchased our home in XX/XX/XXXX for $ XXXX. Our taxes per year are around {$6700.00} +/-. We have made every payment on time and in full.

We were making payments of around {$580.00} per month towards taxes and insurance in XXXX and received a surplus check of {$4900.00}. 

In XXXX of XXXX, we were approved for Homestead and received a one time {$50000.00} reduction in our valuation with a maximum of a 3 % increase per year thereafter. 

Our escrow analysis for XXXX came back with a payment of {$220.00} per month for taxes and insurance. 

In XXXX of XXXX, we were told in the new escrow analysis that we have a shortage of {$14000.00} +/- even though we had made every payment to our account. The result was an increase to our mortgage payment of over 100 %. {$1600.00} to now over {$3200.00}. 

We submitted a complaint to TD Bank ( servicer ) for a deeper analysis of how this could happen and they only sent the county 's tax statement.

Our next steps have been to work with an attorney and financial advisor while asking for a forensic analysis to be completed by TD Bank ( not yet completed by TD Bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
This savings account was opened without my knowledge. I call the bank in XXXX of 2022 to have this account closed. I received a letter in XXXX saying this account was overdrawn {$500.00}. This account was to be frozen till they investigated how this account was opened with only {$5.00} in it. This month I received a letter from a collection agency saying this money is owed. I have called several times trying to get this resolved and they keep telling me the Risk Management is still working on this. I don't know what to do at this point, I am being told one thing and other things are happening without my knowledge. I have filed a XXXX on this. Sent a letter from them to collection agency. I need to get this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX p.m. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within XXXX business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments 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 2022-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.

Company response to consumer: Closed with explanation