vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
MESSAGE TO CONSUMER FINANCE PROTECTION BUREAU XX/XX/2022 From XXXX XXXX XXXX On or about XX/XX/2022, I issued instructions to my bank, XXXX XXXX XXXX XXXXXXXX. at their XXXX XXXX, NC branch at XXXX XXXX, to send a Bank Wire Transfer in the amount of XXXX {$59000.00} to Santander Bank, XXXX. XXXX XXXX XXXX XXXX, branch at XXXX DE, XXXX XXXX, to the credit of XXXX XXXX XXXX, account number XXXX. XXXX XXXX XXXX  transmitted this wire transfer on the same day. 

On XXXX XXXX Santander Bank contacted XXXX XXXX XXXX  to confirm if the wire was legitimate or fraudulent. XXXX XXXX contacted me and on XX/XX/2022, I confirmed to my bank that the Wire Transfer was valid and XXXX XXXX Bank sent a message to the beneficiary bank informing them that the wire was not fraudulent. The next day, I received a phone call from an unknown Vice President of Santander Bank requesting information from me as to the purpose of the wire and again questioning the validity of the Wire Transfer. I reassured him that this wire was for a legitimate business purpose. That same day I received a phone call from my contact that was in contact with an official from XXXX XXXX  XXXX informing me that Santander Bank had frozen the bank account of XXXX XXXX XXXX for some unknown reason. 

For that reason on XX/XX/2022 I requested my personal banker at XXXX XXXX, XXXX XXXX XXXX, to initiate a recall of these funds, i.e. XXXX, and a fraud recall request was sent to the beneficiary bank the same day. In response to the XXXX XXXX request, Santander Bank requested a Hold Harmless Agreement on XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Department informed me that the Hold Harmless Agreement was sent to Santander Bank on XXXX XXXX. As of today, nearly 60 days after this Hold Harmless Agreement was sent to Santander Bank, the funds have not been received by XXXX XXXX Bank. 

The client, XXXX XXXXXXXX, through my contact, tells me that Santander Bank is telling them that they are returning the {$59000.00} to me. But now over 90 days after this Wire Transfer was sent to Santander Bank, and 60 days after the Hold Harmless Agreement was sent to Santander Bank, the money is still being held for no good reason by Santander Bank. 

Please investigate this matter and get a reason for non-return of my money. Neither XXXX XXXX Bank nor Santander Bank is crediting interest on my money that is being held unlawfully by Santander Bank. I want this money returned to me without further del

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 2022-08-18 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
i paid my account in full with XXXX  XXXX  and exeter finance. i would like for those XXXX companies to have the credit bureaus delete the account information from my credit report. for some reason on XXXX and i believe on XXXX, the accounts are still showing on there after i paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NC

Complaint narrative:
im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with Trans Union. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX  XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.

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 2022-08-18 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: SC

Complaint narrative:
I sent sent a letter on XX/XX/XXXX To XXXX, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer and reseller

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 2022-08-18 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: SC

Complaint narrative:
I sent sent a letter on XX/XX/XXXX To Equifax, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer and reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Registered for HAF back in XXXX, applied in XXXX, approved for utilities, XXXX, internet and not for mortgage relief. Im in XXXX  XXXX due to no options from private lender for my arrears fro Pandemic being unemployed due to closure of my business. I need to appeal HAF there decision I am low income and my XXXX  XXXX payments are to high because of arrears being paid back. Please help me find who I should be appealing this to? The XXXX counsel did a three way call with HAF and nobody can tell us why I was denied or how to appeal this decision. Since applying my income has gone down more with my partner leaving. I did send all bankruptcy paperwork to my caseworker as requested. I would like to know why and how to appeal this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: KS

Complaint narrative:
I have been contacting this company each month since XXXX. I have contacted Transunion and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to Transunion that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.

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 2022-08-18 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: KS

Complaint narrative:
I have been contacting this company each month since XXXX. I have contacted XXXX and Experian as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to XXXX that this is an unsecured loan and reporting to Experian that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.

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 2022-08-18 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: TX

Complaint narrative:
XXXX XXXX XXXX has recently added a collection account to my credit report. After finding out about this account I reached out to XXXX and was informed this was a delinquent account attached to a business. When asked how much was the debt amount they told me they were not sure, but on my credit report it stated {$130.00}. I then asked what did they need from me to show I was not responsible for this debt and it was not mine, they stated they would call me back. I called the next day and at this point I was told the debt was actually $ XXXX and it was based on charge backs from a contracting business. At this point I again asked them what they need to prove this was not my debt, they stated they would not accept anything other than payment or payment plan.

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 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
navy federal account last XXXX XXXX It has come to my knowledge that Navy federal has violated federal law 15 USC 1666 ( D ) billing error. " ( Restricting or closing by creditor of account regarded by obligor to contain billing error ). Navy federal has closed my open end credit card account due to failure to pay amount due in error this against federal law and against the state by laws with the navy federal credit bank in the state of XXXX  15 USC 1666 ( d ) says a creditor operating an open end consumer credit plan May Not restrict or close an account with respect to which the obligor has indicated pursuant subsection ( a ) that he believed such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. I also notice while investigating my account Navy federal was stealing funds from my active checking account and applying it to my closed go rewards credit card for indebtness on my open end consumer credit card. This is totally against federal law 15 USC 1666h ( a ) a card issuer ( navy federal ) may not take any action to offset a cardholders indebtness arising in connection with a consumer transaction under the relevant credit card plan against funds of the card holder held on deposit with the card issuer unless such action was previously authorized in writing by the card holder ( consumer ) in accordance with the credit plan whereby the card holder agrees periodically to pay debts occurred in his open end credit card account. I did not give permission or written consent and this is considered theft and is a violation of federal law 15 USC 1666 ( a ) ( 1 ) Navy federal must reactivate credit card and also must apply funds it stole from banking checking account to rectify the situation! it is against federal law to take from checking account and apply to credit card without the consumers written consent please rectify this situation asap so we can stay at the arbitration table and not have to enter into litigation!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I noticed on my XXXX XXXX a negative account which if you look at my accounts on XXXX XXXX they are all paid on time. 
an account LVNV is on my account says its origins are from XXXX so i check my XXXX XXXX  account and that account is fine and in good standing its linked to my bank account so I call XXXX and they ask me if i called the the lvnv company i said no dident know i could they said yes so i filed a dispute with both of them this was XXXX. I speak to XXXX today and they said lvnv is not removing it so i need to file an ftc report the bill is only just over XXXX us currency I could afford to pay it but why should i have to pay for something that does not belong to me. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Stellantis Financial Services US Corp.
State: KS

Complaint narrative:
First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.

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 2022-08-18 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: Asset Recovery Solutions, LLC
State: MI

Complaint narrative:
I am guessing that this account was given to Asset recovery solutions Inc, under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had XXXX and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
I have contacted Equifax many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the northern New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX  filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: OneMain Finance Corporation
State: NC

Complaint narrative:
i would like for XXXX XXXX XXXX, one main financial, and XXXX  XXXX  to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using XXXX or third party per XXXX XXXX Trans Union, XXXX ( XXXX ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on 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