vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: FL

Complaint narrative:
My credit history shows that my final bill for XX/XX/2018 was 30 days late, thus giving me my only negative mark on my credit report. I believe this late payment is not correct as I paid off my loan off during that same month. Im not sure why Volkswagen Credit would give out negative marks to a loyal customer who paid on time every time and paid my loan in full. This company should not be dealt with!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
someone applied for credit with my name for bank of america on XXXX its fraud i didnt apply for credit with bank of america at all. I just filed bankruptcy XXXX om XX/XX/22

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 2022-10-14 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: EPA USA INC
State: GA

Complaint narrative:
I EXPRESSLY REQUEST YOU TO ABIDE BY THE LAW passed by the US Congress in XX/XX/XXXX and send the required disclosures pursuant to 12 CFR part 1006.42 or delete this false and negative item from my credit file. 

On XX/XX/XXXX I wrote a letter requesting Validation of this alleged debt and have yet to receive a response. By law, you are required to respond within 30 days or delete this felonious and negative item from my credit file. Therefore, you have already violated the law and this is another notice I am sending you. 


Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act 12 CFR Part 1006.34 stating your claim is disputed and validation is hereby requested. Otherwise you are required by law to delete this negative, false and erroneous item from my credit file. 



You are hereby on notice to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On or around XX/XX/2017 my secured credit card with a credit limit of {$300.00} was charged over {$1500.00} and I did not authorize that charge. How can a {$300.00} limited be charged out and the balance be over {$1800.00}? I have disputed it with the credit bureau and nothing has changed. Also, it had gotten removed from credit file for a few days but now its back on there and has drive my credit score way down again. The data on credit file isn't correct and up to date. The entire process concerning Wells forgot isn't doing anything correct and definitely causing me alot of headache with things not being right.

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 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
After I made a series of complaints against Bridgecrest because my payment was not being applied correctly I have noticed that I am no longer able to make a payment online. I get an error message every single time I try to make the online payment and I am forced to call into bridgecrest when their offices open and make the payment with an agent. This has been going on for XXXX months now. I have spoken to Bridgecrest agents about this and they are aware of the problem. Yet in XXXX months the issue is not fixed. This is clearly retaliation for my making the complaints. I have a right to file a complaint with regulatory agencies and I am not suppose to face retaliation for doing so but this is clearly retaliation. I even spoke with an escalations agent who said when she logged into my account she can make the payment. She does not encounter an error message. But I do. I demand this issue be fixed. I will not go the life of this loan being forced to call in to make every single payment. I also demand all charges from making the payment with a bridgecrest agent be waived since bridgecrest has taken from me the right to make my payment online. 

I also can't contact Bridgecrest any other way than by phone as they have also removed my ability to contact them through their website. That too responds with an error and tells me to call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/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 2022-10-14 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: TX

Complaint narrative:
These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/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 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been being charged late fees, for having late fees even after I pay my required minimum account balance of {$55.00}. 

I made a large payment on my account of {$320.00} on XX/XX/2022 which was XXXX days before my payment date of XX/XX/XXXX. 

I was XXXX days late in XXXX paying my bill on the XXXX and they charged me {$41.00} late charge. I called them and tried to dispute the late fee after I just paid a large sum to them and they refused. 

Since then to current, I have been paying my minimum payment on time but they have been charging me late fees for not paying the late fees. 

That is causing my account to look like it is a delinquent account and it is not at all. 

I tried calling them again and spoke to a supervisor but they give me the same song and dance about I had a fee waived in XXXX and they wont take any late fees off. 

I do not want them to report to the credit bureaus negative on my credit history because I do have an exceptional history of payments. 

In the beginning of my account with them unbeknownst to me they dropped my credit limit for my account which in turn had a negative affect on my credit history. I would not like to have them pull something like that again so please help me to have the necessary fees waived so I can have my account in good standing like it should be.

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 2022-10-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
RESURGENT/LVNV FUNDING has reported a collection on my account even though I have a seven-year fraud alert placed upon my account. They have never notified me of this debt via mail, phone, or with a signature to confirm I have received their notice.The credit card associated with the original creditor was reported as in Good standing on my XXXX report but also reported as stolen because my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
My mortgage was sold to Fay servicing in XX/XX/XXXX. I was on a trial payment with XXXX XXXX in XXXX for one year, but they transfer my mortgage to Fay in XXXX. My XXXX payment was collected by XXXX in XXXX because when I received the transfer notice was after the dued date. Fay servicing is saying that I am in default because I did not make any payment for XX/XX/XXXX. I forward to Fay servicing, but they refused to acknowledge the payment. I continue to make the agreed payment by the courts and XXXX  of XXXX from XX/XX/XXXX till present, but Fay servicing returned my lost three payments ( XXXX, XXXX, and XXXX ). I spoke to the customer support person today and I was told that my house is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

Transunion, XXXX and XXXX are each falsely stating this bankruptcy on my credit report and has et to 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 non-monetary relief
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
I tried to refinance my house to pay off my bills with several companies and it did not work so I stopped. XXXX company was Amerisave. The guy I was dealing with sent me 4 big thick paperwork books to sign containing my personal information and sending me many emails. I told him to stop and it did after I called supervisors. A month ago I started getting calls from different people at Amerisave about refinancing my home. They would call me at XXXX or so and I would ask them to stop. They did not. So far I have had 5 or so calls from different ones about refinancing my home and I explain to them to stop but it has not. I called them back and asked to speak to supervisor but he would not answer his phone. I am retired and I am XXXX XXXX XXXX retired XXXX XXXXr and state XXXX XXXX and I worked shift work for many years and I do not want to be woke up at XXXX in morning and since I have told them I do not want their buisness no more. I need help to get this refinance buisness to leave me alone and stop calling me. There is no telling how many other people they are doing this to. I would appreciate your help in this matter. Thank You.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo has AGAIN allowed unauthorized access to my account. This burdensome company is either acting in gross negligence or is the perpetrator of these fraudulent transactions. I requested the Venmo representative to close my account after the last complaint and apparently they did not. I want to be reimbursed for my burden in addition to remuneration of whatever funds Venmo has participated in extorting me of. My rate is $ XXXX. Send it to my XXXX account, close it immediately after, and re-evaluate your place in the business world. This company is a load of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. XXXX XXXX XXXX and XXXX XXXX have failed to validate the debt of {$7700.00}. According to case law XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX is also in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report as a means to negatively affect my future consumer transactions and swindle me into making payments in order to remove the account from my consumer report. Again, I do not give XXXX XXXX XXXX or XXXX Funding permission to report a collections account for the amount of {$7700.00} for account number XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities and according to XXXX law, this includes reporting to the XXXX credit bureaus XXXX, XXXX, and XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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 2022-10-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief