vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC
State: FL

Complaint narrative:
I am applying to refinance my home and have 24 hours to get the required documents to them. ThunderRoad Financial does not send paper statements for offer online statements. I called them to request one and they can't seem to produce one. They keep saying they are requesting it from the accounting department, but nothing has been produced. I am not sure what I am supposed to do to get one. I don't believe they should be able to not supply you with any way to access a statement. No where on their site does it even give you information on how much your balance is on the loan. They only offer a payment portal, absolutely no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: WI

Complaint narrative:
Why is XXXX XXXX and EQUIFAX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had an account with fifth third bank in XXXX and XXXX. I overdrafted my account but had the money in savings. They charged me late fees upon late fees then finally took the money from savings. I told them that they cant charge the late fees and overdraft fees when the money was clearly in the other account. They said that they could. I told them to close my account and they said they did. They did not and kept charging me overdraft fees and all other fees. I had to go again and tell them to close it. I was then informed that my total in late fees were now XXXX and something. I told them no you need to look into this and figure out what is going on. I have been talking to the bank about it and nothing has been done. Now i have a lawyers office calling and threatening to report me to the banks so i can no longer have a bank account and to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Why is Wells Fargo and XXXX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!

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 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent several payments through Western Union for products that I ordered through a company that claimed it had agents around the world, but I never received the products. i contacted Western Union Risk departent on three occasions but not once did they answer. I could provide the MTCN for all the money i sent and perhaps western union could block the accounts and return jy money and since the accounts are strictly used for defrauding other people close the acounts but western union is NOT compliant and I have sent over {$10000.00} to these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: DC

Complaint narrative:
TRANSUNION IS COMMITTING ILLEGAL ACTIVITY AND DENYING ME ACCESS TO MY TRANSUNION CREDIT REPORT AT XXXX. FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNT WHICH UNDER SECTION 609 OF FCRA, TRANSUNION must REMOVE THIS FRAUDULANT ILLEGAL XXXX $ DEBT IMMEDIATELY. I DONT OWE THEM MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. Transunion did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. Transunion is REFUSING to allow me access to my online credit report for two months!! IM NOT CALLING YOU ON THE XXXX  PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT!! CFPB STOP TRANSUNION FROM BREAKING THE FCRA LAW AND I STILL CAN NOT ACCESS MY TRANSUNION CREDIT REPORT AFTER MONTHS AGO ON FTC FREE CREDIT REPORT WEBSITE. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! Transunion despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE TRANSUNION, ITS PRESIDENT AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. TRANSUNION IS NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX ANY MONEY! REMOVE TRANSUNION AND XXXX FROM MY ACCOUT IMMEDIATELY!! IN ADDITION, TRANSUNION IS RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, Transunion and XXXX. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.

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 2021-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, XXXX and Exquifax. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: AZ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has violated my rights! I have attached all the details in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-09-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citi-bank card was used without my authorization. I contacted Citi-bank after not receiving my bill and they connected me to the fraud department. Beginning on XX/XX/2021 they reported numerous charges or attempted charges through XX/XX/2021. The person 's name that used my card is listed as XXXX XXXX. I have reported this to XXXX. 
The person that used my card changed my address, phone number and email address. I don't understand how this was done without my permission, I used this card at XXXX XXXX group and they reported that they were hacked and patient 's information was exposed.

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 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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. The 3 Credit Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 am XXXX XXXX. I am submitting this complaint for myself. I obtained my Experian Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Experian any written consent to report or furnish my Bankruptcy public records. A Consumer has a right to privacy. 

I wrote Experian and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent experian a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
This is, you could say, a further attachment to the complaints cases XXXX and XXXX XXXX -- -Now closed -- -- In my attachments you will see the attorney general of AZ as this was my next step. It is important to read my response to the latest letter dated XXXX XX/XX/21 to the AZ Att. Gen.by the BBVA bank. The CFPB was on a quest to remove some the the restrictions on arbitration that large companies and banks use-in their favor to avoid a court case. You succeeded in implementing class action through congress. My case involves credit card fraud upheld by a bank. Arbitration clause does not state whether it is Binding or Non Binding type-? This is extremely important as they treat the arbitration as binding whereby you can't go into a court as the judge will uphold the decision made by the arbitrator. THIS needs to be stated in all terms and conditions. It is also noted that with arbitration the bank does not have to honor " Disclosure ''. In the last letter I wrote to the BBVA bank, I requested demands be answered -- -They totally ignored that in their response to the Att. Gen. Please read all attachments especially their XX/XX/XXXX response to AG .They made a false statement saying I gave them permission to use my personal account to pay off a fraudulent debit in a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My vehicle was stolen around a year ago and the auto loan was paid for by my insurance company. I was given a final settlement amount, which i paid in full, and then was told that this account is closed and complete. I later noticed that this account was destroying my credit score as the account was listed with 2 charged off payments in the months following the theft ( XX/XX/XXXX./XX/XX/XXXX. 2020 ). I contacted the loan company many times ( 20-30 times by phone ) and was transferred, hung up on, and many of the people I talked to were confused by my complaint. Finally, I reached someone who understood and would look into it. They later found out that there was a mistake on their end and they told me they'd fix the issue and send an updated report to the credit bureaus to fix my credit score. They also sent me documentation to show that the account should be closed in good standing ( no charged off payments ). This was months ago and my credit report has still not been updated/fixed even after multiple disputes with the credit bureaus and follow ups with the loan company. This has caused me to not be able to purchase another vehicle and have to push off buying my first house this year.

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP 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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND FUND. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS forbearance was put in place from XXXX - XX/XX/XXXX due to XXXX and my two XXXX  shut down. I got XXXX XXXX  and was hospitalized. One of my credit cards was payed off by the debtor because my doctor filled out a form memorializing my hospital stay from XXXX XXXX. XXXX came around and COVID restricitons were still in place and my income was still diminished. I asked SPS to extend the forebearance. They sent me RMA forms to fill out, and requested other documents. XXXX all forms and documents requested were emailed to SPS. In XXXX they requested a XXXX XXXX  XXXX for XXXX - XX/XX/XXXX. During this time, I received XXXX from the CARES Act payable to SPS . SPS shredded the check. SPS rep 's told me they couldn't accept the money because my home is in preforeclosure. XXXX XXXX, my accountant prepared the XXXX XXXX XXXX for the previous XXXX months and that was emailed along with bank statements for the same time period. I called SPS all through XXXX, stating why am I getting preforeclosure letters, I am waiting for three months to go by to send you the requested documents. Sometime in XXXX, SPS filed foreclosure documents. I never got a letter or the foreclosure documents. I had no idea they filed that. Advertisements from law firms alterted me. I ended up hiring a firm. I filled out another XXXX form, sent in more bank statements and another XXXX XXXX XXXX for XXXX - XX/XX/XXXX. During the entire time requesting a loan modification, along with hiring an attorney, SPS is marching forward with a foreclosure and the sale date which is now XX/XX/XXXX. My business is back to grossing XXXX a month. My income from that amount is roughly XXXX a month. My credit is ruined because I couldn't make my monthly usual credit card payments. XX/XX/XXXX, I got another letter from SPS requesting I fill out another XXXX form. SPS has zero interest in me not losing my home. They are intentionally burying me with document requests while the foreclosure department is ontrack to take my home. I just want to start paying my mortgage again. SPS will not accept any money from me. My relationship manager at SPS and it's legal department are not on the same page. One hand does not talk to the other hand. I was never late on my mortgage payment prior to XXXX. SPS informed me if I pay XXXX I can start paying my mortgage again. The XXXX incudes interest and fees from XX/XX/XXXX, which is from when the forebearance began. I didn't make any money from XX/XX/XXXX to XX/XX/XXXX. I was put on medicaide and received food stamps plus got a LHEAP grant of {$500.00} for my elctric. This company is unscrupulous and intentionally deceitful with it's actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation