vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc.
State: RI

Complaint narrative:
Retail Installment Contract was signed on XX/XX/XXXX for {$30000.00}. Project coordinator asked if we wanted to finance the battery portion of the loan separately at 0 % interest using the HEAT loan program. We agreed, went to a local credit union from the list provided from XXXX and secured the 0 % interest loan for {$11000.00}. The solar installation was completed in XX/XX/XXXX and we were instructed to mail the check to XXXX XXXX ( attached is copy of full email conversation between project advisor and us ). 

We received confirmation check was received, however we never received an updated Retail Installment Contract with the financed amount being {$19000.00} even though in the email it said we would. Since the {$11000.00} was now financed separately at 0 %, it should have been removed from the amount financed and we shouldnt have to pay interest on that amount. 

We made phone call after phone call to try to get resolution on this matter and each time we were told different things. First they told us the {$11000.00} was applied as a regular payment ( which was not how that should have been applied ). Then we were told it wasnt applied at all and they needed to send us the {$11000.00} back to us. We requested they correct the loan and provide a new Retail Installment Contract to no avail. 

XXXX deposited the check for {$11000.00} on XX/XX/XXXX ( copy of deposited check attached ) yet they did not apply it to our loan in any way or correct the contract. Our first payment for our original contract was due on XX/XX/XXXX and since the amount of the loan was never corrected we decided to pay it off, which we did. We sent XXXX a wire transfer on XX/XX/XXXX for {$30000.00} as this was the payoff amount given to us. We could see on the portal that wire transfer was received. 

Every step of the financing process has been a disaster and it seems there is not one person who works for XXXX that actually follows up with their customers. Our project coordinator, XXXX XXXX, stopped responding to emails ; we talked to at least 5 different representatives and not one got back to us as promised ; the only manager we actually got on the phone was XXXX XXXX and she had not responded to our emails or called us back. 

XXXX has had our {$11000.00} for 11 weeks and have made zero effort to get it corrected.

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 2023-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Despite repeated attempts to comply with a request from Union Bank to name a Business Contracting Officer prior to their merger with XXXX XXXX, and despite our final, in-person attempt to satisfy this request with XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX, Union Bank still refuses to acknowledge that our account is in good standing and that our money will be moved over successfully through the intended merger. 

XXXX XXXX said he doesn't have access to any of our paperwork, but we've had a business account with this bank for more than 20 years. He asked us to fill out multiple forms, which we did, and is still unable to confirm that we have a Business Contracting Officer named on our account.

Please investigate and DELAY this merger until the parties can get their records in proper, working order! Union Bank branches are poorly staffed. Employees have one leg out the door and are simply unwilling to accept responsibility for serving customers 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 non-monetary relief
Consumer complaint received 2023-04-25 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-26 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from speedy cash

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WA

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-25 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:
Hello, my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title 15 of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The CCPA further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the CCPA, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under Section 605B of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA.

Moreover, the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ), both of which are contained in Title 15 of the United States Code, provide additional protections to consumers. The EFTA requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the TILA requires lenders to provide accurate and clear information about the costs and terms of credit.

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the EFTA and TILA. Failure to do so may result in further legal action and complaints to the CFPB.

Thank you for your attention to this matter.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited a cashiers check for {$15000.00} into my Wells Fargo checking account on XX/XX/23. At the time of deposit, the teller called XXXX ( the institution that issued the cashiers check ) I was told that it was above their limit of {$5500.00} so they would have to put a 24 hour hold on it, and that after 24 hours ( on XX/XX/23 ) {$5500.00} would be released, and the remainder would be released around 4 days later ( on XX/XX/23 ). 

On XX/XX/23 I went in to make a small withdrawal and they said that the deposit was now on hold until XX/XX/23. They said they didn't have a reason other than that I needed to contact the bank who issued the cashiers check. 

I contacted the issuing bank and they confirmed there was no issue on their end, and the funds had been sent to WF.

WF refuses to release the funds and their only explanation ( that there is a problem on the side of the issuing bank ) is demonstrably false.

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
we had to move from an apartment complex because of racism, property of ours damage etc. we got permission from XXXX properties. we left the XXXX XXXX great condition and the XXXX said certain things needed repairs and i know that is not true. i disputed XXXX ( the debt colector they hired ) and they illegally without permission tried charging my bank card but i had the card locked. my bank gave me a notification it was declined. i asked for debt verfication and they gave me an itemized list and one reciept. i told them that reciept for carpet repair was a month after we left ( the borden had their matience worker XXXX who drinks and parties living in that and other empty units. i left the carpet shampooed and clean when we left. the other charges were made up and i told XXXX give me the reciepts and photos of the claimed damage and they provided nothing. the continued to try and collect and pug it on myself and my husbands credit. if we owed the amount then i would not mind paying it however its fraudulent. i will be also following up with a law suit for damages and lawyer fees and also damages that occurred from having to abruptly move from the borden because of the unprofessional workers and damage to my XXXX XXXX crack pipes and homelessness at a luxury property threating XXXX in front of my toddler mold in the unit and illegally not having proper ventilation and non working windows they may have fixed it now but i have videos of when we lived there, heating issues during winter and it took so long to finally fix it when we had out toddler in the cold unit from matience not changing out the thermostat till weeks later and my son occurring doctors fees i have documentation of that as well etc. i have property management im on film acting out aggressively way to often ( briel ) she cant keep a stable personality. i have the paper trail of everything in writing, police reports videos and photos and nakita knows this very 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 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
A loan was taken out in my name. I'm a victim of identity theft. My email was accessed, from there my bank accounts. 

Loan Company : Upstart Loan amount : {$1200.00} Loan date : XX/XX/XXXX Loan # xxxxxxxx Signed : Electronically Wired to my account {$1000.00} ( XX/XX/XXXX - XX/XX/XXXX? Don't have record of the exact date ) Bank return to Upstart on XX/XX/XXXX as unauthorized. 

I filled an identity theft report on identify theft.gov. I've sent a copy to Upstart, along with a copy of my ID as requested. Upstart has asked for a letter from my bank stating my account was subject to fraud ; however, my bank will not provide such a letter. It's against their policies. What they did provide, and I sent to Upstart was a paper I filled out on XX/XX/XXXX my claim of fraudulent activity when a $ XXXX check was cashed from one of my accounts. According to Upstart that was not sufficient for them the consider the loan fraudulent and they still consider the loan valid. Upstart has sent me to collections. Upstart does not acknowledge the return of the {$1000.00}. Despite filing disputes with the credit agency, Better Business Bureau and many emails and phone calls, Upstart refuses to acknowledge the loan as fraudulent. Upstart will not provide copies of any information that was provided to them for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.

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 non-monetary relief
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was financed by XXXX XXXX XXXXXXXX XXXX XXXX  IL. I lost my job in XXXX of XXXX ( XXXX XXXX ) and fell behind on my payments. 
On XX/XX/XXXX. XXXX the vehicle was repossessed by XXXX XXXX XXXX My balance with XXXX XXXX XXXX at the time of repossession was {$9100.00}. + Repo Fees. which were in the excessive amount of {$4200.00} bringing the total amount to {$13000.00}. This is the amount that shows up on my credit report with Experian and XXXX XXXX credit Bureau 's. The amount of {$13000.00} is incorrect and should be less after the vehicle was sold privately or at auction. 
By the laws of the state of Illinois I'm only responsible for the Deficiency balance. I've spoken to XXXX XXXX at XXXX credit on this matter several times and asked him why he never provided me with a Deficiency notice for which he's bound by law to do according to the laws of the state of Illinois. 
I'm asking for this agencies help in getting the Deficiency balance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Thank You 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 2023-04-26 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: NJ

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2022 we made a payment of {$3200.00}. THey did not apply our payment to our loan at all! they put this entire balance toward " unapplied funds '' - apparently there was an adjustment made to our payments owed whcih did not show or appear anyhwere on our app that we used to pay. We paid exactly what they ( TD bank ) requested. To our dismay we later received notification that there was an addtiional amount due of {$32.00}. 
We had no idea that not only had our payment not been applied but that the account was also short {$32.00}! Not too long thereafter I find my scores had dropped over 100 points. I called and argued my case and no one helped at all. All they did was say write a letter. I've written mulitple and this seems to continue to fall in the wrong hands. 


Not only has TD bank not repsonded to me- they responded to my husband when I wrote to them! They refuse to take responsibility for their mistakes. We paid what we were told was due. We should not be punished for their miscalculation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2023-04-25 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
My house burned down in XX/XX/XXXX. Ever since Ive gone into XXXX dealing with insurance, contractors, permitting, and money issues with being displaced. In late XXXX, I started rectifying my issues with my mortgage. I made an agreement to pay half of the delinquent balance, and defer the other half to the end of my loan. I submitted XXXX lump sum payments in XX/XX/XXXX. XXXX was {$8000.00} and the other {$3700.00}. This wouldve made my account current. The mortgage company received my payments but never applied them to anywhere on my loan. Ive been begging for over a year now for them to correct this issue, without success. Now Im in danger of my home going into foreclosure due to my delinquent balance, however, Ive submitted the payments and theyve cleared.

I need help.Im lost and I dont know what to do to fix this. I feel like Im being discriminated against due to my debilitating XXXX, as well as my vulnerability as a single mother to a XXXX child. Ive legitimately poured every penny of my savings into making my account current, and its not right that its not even reflecting on my account. I cant afford to donate that money to a company, especially considering I am up to date on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Misleading false reporting, this account is negligently and inaccurately reporting failing to comply to USC 1681. Being that XXXX and XXXX have deleted this account from my consumer report you must do the same as well. I have included proof from XXXX that this account has been deleted with them. Please delete this account from my consumer report immediately!

Company response to consumer: Closed with explanation