vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I have sent two certified mail to med-1 solution requesting Debt validation without respond. Signed prove of delivery is attached. In regards to Med-1 response to my previous compliant, we did contact the court. They must verify the debt that they are collecting on if requested, and we have not received that. Or they must have prove that they sent this information out previously. Collection should be stopped until this information is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries. 

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 2022-09-15 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: TX

Complaint narrative:
I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Hello, I have an account with TD BANK aka Nordstrom Card Services. They reported my account as overdue past 30 days XX/XX/2020 to my credit file and my credit score dropped XXXX points. Due to the XXXX epidemic, I was very XXXX, I was XXXX I have never had a late payment with Nordstrom. I called and asked to be enrolled into a covid program and the representative assured me I would. In light of being XXXX, I still attempted to make a payment, I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from the XXXX received a notice on my credit monitoring that my XXXX, XXXX, & XXXX score had plummeted XXXX points. I had EXCELLENT credit and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 6 year cardholder with exceptional payment history. I am so incredibly frustrated Please help me with this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CORELOGIC INC
State: TX

Complaint narrative:
Corelogic Credco I did file a freeze earlier this year with you so here is another freeze to your company YOU ARE OFFICIALLY order to CEASE AND DESIST ANY AND ALL consumer information about myself to ANYONE OR COMPANY that includes XXXX, XXXX, XXXX I never approved you to use my information nor collect my information to use that is invasion of privacy. I never gave you permission or approval to make my consumer report public.my right to privacy is being violated by you I ask that the CFPB step in on this matter Enclosed are USC codes that you are violating respond by through the CFPB, do not state you need more identification this is a government wed site

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 2022-09-15 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NC

Complaint narrative:
A

ccordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NC

Complaint narrative:
Accordance with the Fair Credit Reporting Act Convergent Account : 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 instructions. 
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 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 2022-09-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX - Spoke with XXXX, the office of the CEO at USAA Federal Savings Bank. Car was involved in an XXXX XXXX on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact USAA Federal Savings Bank the week of XX/XX/XXXX and XX/XX/XXXX but USAA Federal Savings Bank refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called USAA Federal Savings Bank with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment USAA Federal Savings Bank has not received payment and are threatening to report my account to the credit bureau even though USAA delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. USAA Federal Savings Bank refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX- I opened the Citibank card and initiated two balance transfers from my XXXX credit cards totaling {$3200.00}. About two weeks went by ; I had received my card, activated it, yet on the app, both transfers were still showing as pending. I've never had a transfer take so long so I called to make sure they were going through. ( I think this was XXXX. XXXX. ) I was told by the rep they did not go through. I then said, " Can I cancel those two transfers then and just do one transfer because things have changed in two weeks. '' She said yes and helped me do just that. I canceled the two transfers totaling {$3200.00} and just did one transfer for {$5000.00}. I even asked AGAIN, " You are sure those two will be canceled and only the ONE transfer will go through '' and she said yes. 

Two days later, the first transfer went through, and it snowballed to all three going through, now totaling {$8200.00}, along with extra fees. I called again and I was clearly upset and asked to be transferred to a supervisor. The rep said " If I transfer you they will tell you the same thing. '' I did finally get a supervisor, or at least I think I did. She researched my issue and called me back after an hour or so. She ASSURED me AGAIN that she would handle and the first two transfers would be canceled and just the one transfer of {$5000.00} would go through. Well clearly that did not happen and now, as of XXXX XXXX, I have two credits on my XXXX cards : One for {$2700.00} and one for {$130.00}. 

I called Citibank a THIRD time XXXX XXXX. She basically said my ONLY option was to go through XXXX and get the credit from them to pay off Citibank. She also said she would waive ALL transfer fees. I repeated, " This call is recorded, right? '' She said yes. I said, " Then I am saying out loud again for that purpose you are waiving ALL balance transfer fees and I need to go to XXXX to get a refund and can then pay off Citibank with that money. '' She said yes. 

I called XXXX and now I have ONE check coming to me totaling {$2700.00}. I have no idea if this is really fixed. It's way too stressful and should not have taken this much effort.

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 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Yamaha Motor Finance Corporation USA
State: MI

Complaint narrative:
I have already called Yamaha XXXX  about the motorcycle they also reported it to the credit reporting agencies that it has a charge off I asked them for my 1099-C form, because anything over {$600.00} as a charge off can receive the form and add it to their taxes because it is then assumed to be an income to said individual. I have yet to receive it as well as they have put it on my credit report and refuse to move it as a charge off I have asked them several times about this incident and they refuse to remove it from the credit agencies or send my 1099-C which is a violation of 15 USC 1681b ( a ) permisable purposes. 
My account with Yamaha XXXX has my name XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX  attached to it Account # XXXX Via Yamaha finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Property XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX was purchased on XX/XX/2002 for {$100000.00}. The current mortgage is the original mortgage when it was purchased. The current outstanding principal is {$89000.00}. The current AVD as per FNMA is {$220000.00}. That is an LTV of 40.22 %. 
Attached find email correspondence from Shellpoint Mortgage refusing to remove the PMI on the loan. They also refuse to conduct a BPO or appraisal for the removal. 
I have attached the following documents for your review. 
Email from Shellpoint Mortgage Current Statement XXXX  Closing documents Property Details showing current FNMA AVM value Broker Price Opinion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
When trying to check the balance of my XXXX XXXX Gift card through XXXX the website does not offer a way to check the balance and when I call the number to check through the automated system it asks for the gift card number and PIN but there is no gift card PIN with this card. So I am unable to check the balance on this card without going into the restaurant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX contract signed and {$400.00} paid to merchant on Chase credit card ending in XXXX. 

XX/XX/XXXX Merchant refund {$400.00} to card ending in XXXX because she wanted deposit paid via XXXX. 

XX/XX/XXXX {$400.00} payment made via XXXX connected to chase debit account. This is our nonrefundable deposit that was never refunded. 

XX/XX/XXXX Second payment made of {$420.00} paid to merchant on Chase credit card ending in XXXX. This was never refunded, this is the dispute in question. This {$420.00} was {$400.00} plus {$12.00} taxes and {$12.00} credit card fees. Invoice provided. This is the payment that should be refunded based on cancellation contract. 

XX/XX/XXXX Cancellation contract signed stating merchant owes customer {$400.00} refund. Merchant states in email as well that she will refund {$400.00}. 

After disputing the {$420.00} payment with Chase, their dispute department waited too long to act and then refused to refund the payment. Their internal " audit '' found no wrongdoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bank, and XXXX card. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXX old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also handicap with an intellectual XXXX and communication disorder. I read at a XXXX grade level often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: LEXISNEXIS
State: IL

Complaint narrative:
Hello I am submitting this complaint withoit error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX  during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried several times to have Equifax fix this with getting my credit report and score online through the MyEquifax portal. It continues to give the following error. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Personal check was written XX/XX/XXXX for XXXX dollars to an individual XXXX XXXX. It was mutually decided that the funds were no longer to be paid and the check was meant to be voided and destroyed. The check was then cashed on XX/XX/XXXX without my authorization. I notified Chase bank on XX/XX/XXXX when I discovered the withdrawal. No resolution with Chase as of XX/XX/XXXX.

Company response to consumer: Closed with explanation