vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
At this point, I am sending this complaint as proof that I once again tried to rectify this ongoing issue with Experian and XXXX. They request a 100-word statement and evidence to support my complaints. I have submitted proof in black and white several times. They have deliberately ignored it and treating my disputes as frivolous. They are not doing their due diligence to rectify the issue. I have pulled my reports once again. Experian and XXXX are reporting inaccurate and incomplete information. The account XXXX XXXX XXXX XXXX # XXXX is reporting 2 different ways by Experian and XXXX. This is a direct violation of my rights as a consumer under the FCRA. How do you ignore the documents that I upload? The Bankruptcy reporting on Experian and XXXX is inaccurate and incomplete. There are no accounts listed. XXXX has deleted the inaccurate and incomplete information. I submitted proof of the deletion and it was ignored. Experian and XXXX have no financial information about the bankruptcy. How is it verified when I have shown the deletion from XXXX and pointed out the incomplete and inaccurate information that's reporting? It's affecting my ability to gain credit, refinance my home. I am now being represented by The Deliberty Law Firm, a credit lawyer XXXX XXXX XXXX to assist me moving forward. I have submitted all copies of complaints on this site as well as the credit bureaus. I now have a list of representatives when I called into the credit bureaus. I am now going to be seeking monetary relief. This ordeal has been very stressful and overwhelming. I am gon na attach proof once again. I am gon na now follow up with a supervisor at CFPB. I don't understand how the credit bureaus are allowed to submit automated statements and close a complaint without resolution.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I have tried to resolve this with the company and they were not willing to help me. These inquiries were not authorized by me and I am filing a complaint to have them removed asap. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from 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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I contacted CFPB on XX/XX/XXXX to report that inXX/XX/XXXX, Bank of America ( BOA ) denied my request for an increase in my credit limit on my Bank of America credit card. At that time, it cited as its decision : *Utilization of your credit is too high *Current or past delinquency with one or more of your creditors *Too many consumer finance company accounts For more than a year, I have been renovating my home, so my credit utilization that BOA felt is too high is reflective of those renovations. My credit is current and well-managed. I disagree with BOA 's assessment of my credit utilization, but there appears to be little that I can do about this issue. However, I adamantly object to the remaining two reasons that BOA cited -- delinquencies and finance companies on my credit report. 

There were no delinquencies or finance companies listed on my credit report when I requested the credit increase in XXXX of XXXX. Therefore, when I submitted my complaint to CFPB in XXXX of XXXX, I specifically requested that BOA state exactly what delinquencies and finance companies it identified. 

In late XXXX of XXXX, I received a written response from a BOA representative named XXXX XXXX. Mr. XXXX regurgitated exactly what was stated in the original letter of denial that was sent to me in XXXX of XXXX. Mr. XXXX failed to satisfy my request to specifically state exactly what delinquencies and finance companies it identified. 

I faithfully review my credit file at the start of each year because I do not like surprises. I know exactly what is on my credit report. All errors or items of concern that I find are immediately reported for correction, which is why I am requesting that BOA/Mr. XXXX clearly identify by name the items that it cited as the reason for its decision. BOA is either deliberately misrepresenting the information it alleges is in my credit report or it is reviewing inaccurate information -- information that is not on the reports that I review every single year. I am attempting to get to the bottom of a problem that BOA alleges exists. Since it is making statements that I know are inaccurate, it must clarify those statements. 

I am again requesting that BOA provide me with the requested information. I will not consider this complaint closed until BOA has responded to my satisfaction. 

The CFPB reference number for my XXXX to CFPB is 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 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XXXX Form No. 1099 Tender of Payment amount in full for debt {$17000.00} tendered in full and refused or declined by Ally and by law the XXXX XXXX XXXX b ] states once tender has been made and declined or refused there is discharge. {$6700.00} for approximate two years of monthly payments, Legal Fees {$5500.00} per day for past 90 days failure to adhere to court orders decrees {$49000.00} and legal fees. XXXX {>= $1,000,000}. Extortion and Threats against a foreign official aka Diplomat ; XXXX XXXX XXXX XXXX, XXXX Issuance to reserve banks, nature of obligation ; redemption aka Tender of Payment. {$17000.00} for 1099c debt discharge identification event code B. Common Law Court Order and Fee Schedule Violation of oath of office XXXX {$250000.00}, Denied Proper Warrants XXXX {$250000.00}, Denied reasonable Defense XXXX {$250000.00}, Defense Evidence Records, claimed not to have Diplomat ; XXXX XXXX XXXX XXXX 's title and appellation on file, was untrue we received letter [ s ] with Ally addressing her appellation and title, Denied Truth in Evidence XXXX {$250000.00}, Slavery Forced Compliance to contracts not held XXXX {$250000.00}, Denied Provisions in The Constitution/Treaties XXXX, Extortion XXXX XXXX {$5000.00}, Mail Threats XXXX {$5000.00}, Fraud XXXX {$10000.00}, Falsification of Documents 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 2021-02-03 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My vehicle was repossessed in XX/XX/XXXX. At that time I tried to pay the full past due balance to redeem my vehicle but Ally would not allow it. At the time I filed a complaint with the CFPB XXXX because my vehicle was repossessed prematurely and because they were not using my mailing address as requested I did not receive the repossession warning notice. Mysteriously, all my monthly statements were going to the correct address but the only repossession notice sent, went to the address on my original loan application. Ally refused to allow me to redeem my vehicle without paying the entire loan in full, as evidenced in their response letter to the CFPB. On XX/XX/XXXX I wired them {$18000.00} which was rounded up, as they gave me {$18000.00} and some change. I called an hour before I wired the money to confirm with the redemption department as every time I called the figure kept changing. I redeemed my vehicle on XX/XX/XXXX. They XXXX XXXX me the title and said I had to sign it back over to them or re-register it again because my car was just about to be sold and the title was taken out of my name. They said as soon as my account closes out they would mail me the title and that it would take 45-60 days. Since then they have refused to give me my title and have claimed that I still owe them money and have been reporting negatively to the credit bureau. I called a few times trying to rectify the issue but everyone I speak with says there's a balance but can't explain why or how the amount changed in 1 hour from the time I called to the time the funds were wired. In XXXX and XX/XX/XXXX I tried calling to see if I could get this taken care of again but with no luck. In XX/XX/XXXX when I logged into my online account it said the Total Due was {$140.00}, the Total Payment Due was {$1000.00} and the Next Due was {$170.00} on XX/XX/XXXX. When I logged on inXX/XX/XXXX and requested a payoff figure it said I owed {$240.00}. I received a letter on XX/XX/XXXX stating I owe {$470.00}. And as of XX/XX/XXXX they are reporting that my account is Derogatory and that I owe {$230.00} clearly there is an error.

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 monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D'Aquila, Contreras and Vega, A Professional Law Corporation
State: LA

Complaint narrative:
On XX/XX/2021 I sent DAQUILA, CONTRERAS & VEGA an Affidavit of Truth certified mail regarding misinformation reporting on my credit report. Account was paid in full but DAQUILA, CONTRERAS & VEGA still reporting negative information 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 non-monetary relief
Consumer complaint received 2021-02-03 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:
TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me.

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 2021-02-03 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: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I paid off a car loan early, to American Honda Finance ( AHF ), via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXX ( BAC ), they were noticed by AHF that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by AHF to XXXX. On XX/XX/XXXX, AHF returned the check to XXXX. AHF also sent us the car title, indicating the loan was paid in full. Then, AHF proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with AHF, from our BAC checking account to AHF. AHF accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from BAC of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the AHF account online for our account. XXXX worked with us this evening to call AHF to resolve what happened and get whatever documentation AHF needed to remove the negative credit report. AHF refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does AHF or BAC become responsible for fixing our falsely reported credit gap? Also, at what point, does either Financial institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from AHF to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score ( drop Of 125 points ), and still unresolved problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The inquiries reported below are unauthorized I have made every attempt to resolve this matter with Transunion and need these inquiries removed/deleted from credit report asap! They are not mine. 

The following inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The following inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2019 Please remove it from 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 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
A user in XXXX offered to me an exchange of PayPal funds to ( USD XXXX XXXX to pesos. But after sending PayPal funds to this user, this person blocked me. I tried to reverse immediately the transaction with PayPal but they say this not covered in their terms. I believe this scam is a fraud and this should be investigated. 

Case Id. : XXXX ID XXXX My username is XXXX in PayPal. The fraud was performed by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I contacted CFPB in XX/XX/XXXX to report a problem with an escrow account that my mortgage lender created in error last year. The complaint number is # XXXX. 

That complaint was resolved by XX/XX/XXXX, when my mortgage lender closed the escrow account and reversed the payments that it had improperly debited from my mortgage payments to credit to the invalid escrow account. 

I recently received my form 1098 Mortgage Interest Statement for the XXXX tax year from my mortgage lender. On previous statements from previous tax years, Box 10 has been empty. On the statement for the XXXX tax year, Box 10 contains an amount -- {$810.00}. This amount is the same figure that factored into the escrow error that my lender made last year. 

I contacted my lender twice today ( XX/XX/XXXX ) and spoke to two separate customer service representatives to discuss the amount listed in Box 10 of the document, and to request a corrected XXXX Mortgage Interest Statement if the {$810.00} negatively impacts my tax filing. Neither representative seemed to fully understand the potential problems that this {$810.00} figure can cause and both stated that issuance of a corrected 1098 Mortgage Statements is not possible. Yet, the document itself clearly contains a box that the lender is required to check if a corrected document is issued and there is also verbiage on the back of the document informing the mortgagee how to proceed in the event that an error is identified. Neither representative knew how to assist me. 

My tax preparer stated that the {$810.00} figure that currently appears in Box 10 will reduce any tax refund that I may receive unless the XXXX statement is corrected. She also stated that this information on the form has been reported to IRS, so it must be corrected by the lender if it is incorrect. The escrow account was created by the lender in error, so the lender is obligated to correct its error, so that I am not further impacted or penalized by IRS.

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 2021-02-03 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: CL Holdings LLC
State: PA

Complaint narrative:
I have filed a dispute regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: I.C. System, Inc.
State: MD

Complaint narrative:
XXXX is reporting an account with IC Systems closed in XXXX of 2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and XXXX is illegally reporting false info and thus ruining my credit by not verifying properly.

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 2021-02-03 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:
Hello, I sent out a letter to TransUnion on XXXX XXXX to investigate this matter. I've tried to fix this issue with this company. It has been 45 days today XXXX XX/XX/2021 ) and no responses from them! I am a victim of Identity theft and have accounts reporting on my credit that are not mine! I have filed an Identity theft report with Identity theft.gov. This is not fair, and I want these accounts deleted from my credit immediately : XXXX account, XXXX XXXX, Avant, and XXXX Bank!

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