vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX BANK # XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SLM CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I provided a written request via Sallie Mae 's online portal for the closure of my CD account and gave instructions to XXXX XXXX on where to transfer the proceeds. The account matured on XX/XX/XXXX, and this fell within their terms and conditions regarding the closure of my CD account which may be closed up to 30 days prior and no later than 10 days after. 

I had successfully closed a CD account on XX/XX/XXXX with this exact same method. 

On XX/XX/XXXX I received a response from XXXX XXXX, with a counter offer and a threatening remark that my CD account would renew if I did not respond within 10 days of maturity. 

I unfortunately did not receive this reply until after this time period expired. Based on my written request to close the CD I expected the CD to be closed. I'm now told that my CD has automatically renewed with no recourse other than penalty. I asked for additional clarification in their terms and conditions and I received a response from a compliance analyst XXXX XXXX citing the relevant agreements and their ties to XXXX XXXX XXXX. 

Unfortunately I can't find clear terms in their agreements regarding why my account should have not been closed when I made the request on XX/XX/XXXX as they had done with my prior account. I'm lucky to have 20+ years in the banking and regulatory environment and some of Sallie Mae 's responses were concerning to me, particularly if I had been a typical consumer. I'd be more than happy to provide these to you. Thank you for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan

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 2021-12-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -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 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime closed my account abruptly stating terms where violated but nothing was done according to the terms to warrant closure, with money still in account,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to 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 non-monetary relief
Consumer complaint received 2021-12-02 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 already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to 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 non-monetary relief
Consumer complaint received 2021-12-02 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: MO

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-02 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: MO

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I want to use the ~ $ 7k in equity on my BMWFS lease by selling to a 3rd party dealer ; I have two offers that are substantially higher than what the BMW dealer wants to offer. BMWFS is telling me that they don't allow 3rd Party purchases now because of the short supply of vehicles. I spoke to a rep today ( XXXX at XXXX at XXXXXXXX XXXX XXXX ), and she said the only daily to do this is to buy in my name, pay tax and then sell to 3rd party. It appears that this is being done to benefit the dealer at the harm of the consumer because the dealer is being unfair by offering a much lower offer for the trade. When I asked the dealer ( XXXX BMW ), they said no one else could buy but a BMW dealer. This is unfair and dishonest because BMW set a precedent in the past by allowing. Now they are stopping so dealers can make a higher profit at the expense of the consumer. Very dishonest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Financial Institution ( Navy Federal ) has conducted a XXXX Dispute with all transaction associated with XXXX Card ending in XXXX and Cash Rewards ending in XXXX, without notification to customer. Merchants affected by XXXX Dispute has started to reach out to customer, XXXX XXXX demanding payment because transaction has been disputed and funding pulled. Navy Federal is still reporting balances to credit bureau and requires customer to pay off balances from transaction that they have pulled back funding from. 
Customer is currently trying to work with merchants to pay amount owed due to disputed transactions. Please have Navy Federal Credit stop collection efforts, monthly balance statements and credit reporting on balances that no longer exist. 
Also, XXXX Report is being requested to acknowledged all transactions that has been disputed by Navy Federal.

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 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been trying to work with my lender but they continue to disregard my documents. My counselor XXXX XXXX has submitted numerous third party authorization forms that I signed and provided but Wells Fargo keeps dragging their feet. I am just trying to save my home and they need to start paying attention to the documents that are being submitted. It has been over 3 weeks waiting on them and XXXX rep telling us that they have and another saying they don't.

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 2021-12-02 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:
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 2021-12-02 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:
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 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 2021-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent like XXXX days ago court prove of the fraudulent charges committed by XXXX XXXX to Experian, Experian just received the documents and I was last paper work yesterday and and Called today Experian to follow up to see if they received the documents, they didnt even review the documents and in last than XXXX day they took off the dispute that is what Experian call a real investigation? 
That dont a investigation that is violation of the credit act Nobody cant do any investigation just a 3 days or 1 day and not telling me anything I dont believe this investigation at all About XXXX XXXX and Experian keep posting that is accurate

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 2021-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has sent in a false account with an amount that does not satisfy what the conditions that we left. The lease was up and we paid the last month and vacated immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only that, the entire apartment flooded and no one came when we called to resolve the issue. Here comes the date that we move out on XXXX and they state we had to pay XXXX rent. When we left after the XXXX days notice given. How could they request rent for XXXX if we would not be there? Also the dates on my consumer report and what I have on file and what they have on file for the dates we lived there are inaccurate. The complex sold this number to an agency that is placing their own amount that they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, Equifax, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all XXXX on XX/XX/XXXX and just checked my reports, not XXXX thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK
State: TX

Complaint narrative:
On XX/XX/XXXX i called my auto loan bank and was told that due to principal balance low i would have to pay it off so it will not go against my credit. I agreed but I had late fees of {$840.00}. Agent on the phone agreed to remove {$100.00} late charge if i paid the {$1000.00} on XX/XX/21 so I did online and once it went thru i called back and advise I had done it. Agent told me that the department that moves funds were not there so they could not payoff my loan. I waited XXXX weeks and called back and they still have not fixed it. I spoke to a supervisor and promised it will get fixed but its on week XXXX and still has not gotten updated. Every time i call, I get advise im past due over 60 days. Today XX/XX/21 I called and requested a supervisor as it is not fixed yet. They stated there was not supervisor on the floor to assist and they hung up on me. I called back and got same answer. So its been almost a month and they can not pay my loan off as agreed and my credit is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
This complaint may have to be handled by the Federal gov. This is about holds made on out of country purchases and especially the amount of time held to clear money being held. I made purchase out of country and someone took out the full amount plus charge for doing purchase then XXXX hours larer took out the actual amount and now gets to keep the first withdrawl for 10 days without paying interest and most important locks up that first withdrawl so I can not use funds for 10 days. If I had {$1000.00} in my account and bought something for {$500.00} and this practice takes out {$500.00} plus their fee to hold then when they do take out the original purchase there would only be {$490.00} in account. If a check can be cleared in XXXX hours so should debit cards. This happened with US BANK but it sounds like other banks do the same.

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