vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have no idea why you guys sent me a letter saying that I didn't file the complaint against Capital One. I did and this is bogus that im having to do this again. I attached a copy of the police report and affidavit with the first complaint why XXXX XXXX  XXXX would someone else have the information. Here is the new complaint against Capital One. 

Capital One sold my account to XXXX after they knew this was fraud and had received all documents they needed to prove the fraud. I guess I will tell you again what happen. XX/XX/2021 Capital One printed a letter saying they know it fraud. Knowing this they are fully award this is fraud so how can they send me to collections knowing this? On XX/XX/2021 I noticed a new collection on my credit report to my surprised it was XXXX Capital One. This is so wrong on so many levels I have no clue where to start. If this is not remove from my credit report IMMEDIATELY!!!! I will SUE I sick and tired of all this when I have done all the work for them to prove this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received credit monitoring alerts notifying me that my social security number had been used to open several accounts on two different occasions with Federal Navy Credit Union. I notified the bank on both instances, so they could place the alerts on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
XXXX vehicle was paid off, GMC Financial was contacted in XXXX because the lien release and title was not received, was told it was on the way, never received, I then called my county clerk to ask if they received a title release they confirmed they had not. I contacted GMC again in XXXX was told it would be resent again no docs were received. I then put the car in storage and did not get back tO this issue during the COVID pandemic, now tHe vehicle has been in an accident and insurance company has declared it a loss, on XX/XX/XXXX I reached out again to GMC they confirmed no monies were owed, I was to use the website get my title but was told my account could not be found I contacted GMC again, I was put on hold for over an hour, again told it would be processed and it would take XXXX days that was on XXXX contacted GMC again on XX/XX/XXXX on XXXX calls lasting over XXXX hours only to be disconnected, put on hold for an indefinite period I finally reached a customer service person Named XXXX, she says she has requested a copy of the XXXX XXXX, she connected me to her supervisor XXXX I left a message with no return call, I have not been given any cause for this issue and do not know what else to do to compel GMC to release my lien and provide title. I even offered to pay XXXX  charges to have the documents sent to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2015 Balance {$0.00} ChargeOff ( XXXX ) XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/2015 Balance {$0.00} ChargeOff ( EX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: AR Resources, Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I am the mortgage holder of the home property at XXXX XXXX XXXX California where I lived between XXXX. The mortgage was transferred under my name when modifications were done to fit government federal rules on home mortgages. 

I was awarded Wells Fargo XXXX ( reward ), a special program which allows talented high school students to be awarded a home mortgage. 

Now, about thirty years later, the bank has been postponing in notifying about the current status of the home mortgage. I have been sending frequent communication to the Wells Fargo home loan department without getting an answer.

I urgently request that you investigate this matter as I have been told by many neighbors that this could be a scam. 

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 2021-11-10 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
THIS IS MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX. 
Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance

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 2021-11-10 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:
THIS IS MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX.

Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I have a fraudulent account appearing on my Experian credit report # XXXX. 
This item is an auto loan that i did not open here are the details on the item. 
Account : XXXX XXXX XXXX Account # XXXX I did not open this account this item is fraudulent and i submitted the proper reports to the FTC # XXXX and have attached said report. My information was included in the breach of data with XXXX and i believe this is the aftermath of that. I contacted the authorities and they could not help. Soon after i contacted the FTC and they could not help. I have attached a copy of my credit report and ID theft report. Please help me with this.

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 2021-11-10 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

No consent is Identity Theft. Concerning the account listed below as the consumer I am demanding a deletion of these accounts.

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021

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 2021-11-10 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: Sunbit, Inc.
State: OH

Complaint narrative:
i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX accurate put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my Trans Union credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX  to XXXX  with no apparent reason. XXXX  reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.

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 2021-11-10 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX refuse to conduct a proper investigation from my dispute, and delete account reporting by email COMENITYBANK/VICTORIA. 

The following are the reason ( s ) why COMENITYBANK/VICTORIA should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Westlake Services, LLC
State: SC

Complaint narrative:
In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz

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 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan took over servicing of my mortgage for XXXX XXXX XXXX discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills. 
They have recorded the XXXX payments for the first modification and XXXX payments for the XXXX modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent XXXX so small no one could read it they only sent XXXX I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments XXXXXXXX XXXX AND RUSHMORE DISCRIMINATE AGAINST BORROWERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Here is a copy and paste of the email that I sent to Wells Fargo Bank on XX/XX/XXXX ; Personal information deleted. 



I was handling my mother 's financial affairs when we recieved a notice from Wells Fargo Bank dated XX/XX/XXXX that if we didn't contact WFB by XX/XX/XXXX, the funds would be turned over to the Sate of California Unclaimed Property. I contacted WFB by phone weeks before the deadline and talked to XXXX XXXX. He told me that the funds had already been turned over to the State of California. Due to the shut down due to the Covid 19 pandemic, I was not able to reach anyone at State, Unclaimed property department for several months. When I was finally able to talk to someone there I was informed that WFB still had the money.

During the interum, my mother passed away on XX/XX/XXXX. 

I have since sent to WFB, a Death Certicate, Power of Attorney and Afidavit of Small Estate. All documentation has been recieved by WFB. 

At one point my case was being handled by XXXX XXXX, Case Specialist. I've tried to call her several times. Her voicemail is still saying that she will be in the office all day on XX/XX/XXXX. It has not been updated nor has she returned my calls. 

On XX/XX/XXXX I called XXXX and spoke to " XXXX '' He told me that he would foreword my case to a case manager. XXXX took down my phone number and told me that the Case Manager would call me. I have not recieved a call. 

On XX/XX/XXXX I called and spoke to XXXX XXXX, Employee ID # XXXX. XXXX advised my to detail the history of the case in an E-Mail and send it to you. 

If you need any further documentation then let me know. If you now have all of the information that you need then let me know and send me a check for {$2300.00} End of email. 

I was told that they sent me a letter on XX/XX/XXXX. I've yet to recieve said letter. 



As of XX/XX/XXXX I called them and I'm being told that I need to send them a court order showing me as the Trustee for the estate. I have already sent them notorized copies of both Power of Attorney and the Trust showing myself as the Trustee. 

I've not been dealing with the courts, this is a small estate and a reletively small amount of money.

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