vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX decided last XX/XX/XXXX, to suspend my account ( even though they owe me money for back pay ) because I receive additional income of about XXXX XXXX dollars a month and they were trying to allege I owed them money for overpayments. So for the last two months Ive been going back and forth with them and they delayed my usual monthly deposit until XX/XX/XXXX. 
So about four of my scheduled ach transfer bounced. My bank, Wells Fargo is charging me like four or five hundred in fees and I never agreed to pay for the overdraft protection plus they claim that after the third or fourth overdraft they simply reject the automatic debits or electronic checks or whatever. I have problems with them because they have mismanaged my accounts many, many times before. Double charges to them causing the overdrafts by them double charging or repeating the same debit twice. Im constantly looking to see every month what they did. Id like them to credit my money back so I can change banks. 

Thank you 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 monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the 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 2022-02-12 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: NE

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of accoun XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother passed away in XXXX of XXXX and Im still in shock! I filled out forms requested by her insurance company in XXXX of XXXX. I mailed them in but wasnt sure when I or my bank, Chase N.A., would receive the payment. I was still numb! 
I walked into my bank on XX/XX/XXXX or XXXX, to find my account was closed and the woman who closed it had also opened it and she was angry with me. I threatened to call the police because the manager handed me an internal statement that showed an enormous deposit and he kept telling me there was no funds in the account. 
Ive contacted Office of Personnel management, but they tell me absolutely nothing over the phone and they are located in Virginia. The deposit just vanished. Ive contacted the Federal Bureau of Investigation. You are another resource in case they tell me they can not help. I also filed a complaint with the comptroller of the currency in New York but I may have gone to the wrong department. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VT

Complaint narrative:
Got a call from Santander consumer us my truck loan holder. The informed me my loan was in default and a nation wide search was place on my vehicle for repossession. Told me I missed 6 payments and bounce one of the checks. Told me if I payed XXXX in ten days it they might be able to resolve it but the loan was charged off XX/XX/2021. I never got any notifications from them. No email or calls not even a letter. I went straight to bank and got all my bank records. I have all bank statements. I have never mist a payment on this loan In the XXXX XXXX yrs Ive had it. They said I bounce a check in XX/XX/2021 my statement not only shows it was paid but also had over XXXX in the account that month. Im in fear they will reposses my truck for a big mistake that they have made and I need help. Also my credit report reflex this mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
Company was requested to inform balance to fully pay off the loan. Not responded properly the last complaint. 

Company did not present terms related to insurance additional charges. 

Company refuses to stop charging insurance : proof of insurance already sent. Because the balance is close to full payoff, company came up with insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX has not legally validated a debt to Experian or me, however after I sent a certified letter to Experian disputing the misinformation, Experian continues to keep XXXX XXXX  as a negative reporting on my credit report and Experian placed further negative reporting on my report dated XX/XX/XXXX when the account closed in XX/XX/XXXX. I have provided copies to Experian such as : 1. Master Promissory note that was not signed by me 2. A letter from the loan servicer stating that the date they began servicing the loan does not coincide with the date on the Master Promissory 3. A student aid ward letter that states the loan that XXXX is reporting was not granted 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 explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
Hi, my name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I would like these negative items removed from my credit report. They are impacting my credit score. They don't not belong to me. I don't know who they belong to. I just want them removed.

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 2022-02-12 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: TX

Complaint narrative:
Months ago I sent this dispute to you CFPB along with the 3 credit bureaus Experian, XXXX XXXX and XXXX - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Open account

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 2022-02-12 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I am reaching out to have the negatives removed from my credit report. The items don't belong to me and they are impacting my score tremendously and I ask that they be removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
While working with a construction company XXXX XXXX XXXX ) to have our newly purchased home updated with a new roof and siding we were directed to EnerBank USA to help finance the project. They offered us a 1 year " Same As Cash '' loan of {$65000.00} that would come due in full on XX/XX/2022 with no interest charged. If it was not paid by that date, back interest would be charged at 17.99 %. 
On XX/XX/2022 I directed my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to pay off the loan in 2 payments of {$57000.00} and {$8300.00} respectively. The check from XXXX was received by EnerBank and credited to the account on XX/XX/2022. The check from XXXX was not credited to the account until XX/XX/2022. On XX/XX/2022 I received a letter from EnerBank USA dated XX/XX/2022 stating that since I had not paid the account in full by XX/XX/2022, it was now considered a " Fixed Rate Installment Loan '' with a balance of {$66000.00}. Meaning that they had added {$8900.00} in interest to the balance. 
I immediately called the number on the letter ( XXXX ) and after 25 minutes on hold, spoke to an agent who told me that the only thing she could do was to refer the matter to the management team who would review the situation and call me back. On XX/XX/2022 I receive a call with their decision that would " graciously '' wave the back interest if I agreed to pay {$110.00} for the new interest that had accrued since XX/XX/2022. In order to stop the harassment, I gave them my XXXX bank account information over the phone to cover the interest charge. 
I have a " Letter of intent '' from XXXX that shows that the funds were withdrawn from my account on XX/XX/2022 and mailed in the form of a check ( because EnerBank USA does not accept electronic payments ) on XX/XX/2022 XXXX XXXX XXXX with an expected arrival date of XX/XX/2022. XXXX 's claim that it took 8 days for them to receive and process the payment is belied by the fact that check from XXXX was received and process in only 3 days. It is my contention that they deliberately delayed the processing in order to extort money from 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 explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The account opened in my name with capital one is fraudulent I have never opened a account with capital one ever! I have a lawyer working with me to fix this issue I also have a identity theft affidavit. Capital one said that a address was linked to me but thats not true either!! I have NEVER lived at that address I can send in new and old forms of identification to prove it! I have always said and have police reports stating that a family member is the person who stole my identity, while the address they are speaking of may be a familys I have never lived there, received anything there including mail etc I am not associated with that address whatsoever and I will never stop disputing this account because its fraudulent. Like I said my lawyer is looking into this and we will get this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received an adverse action letter from XX on XX/XX/2022. I already had a pre-approval from some other company. I didnt authorize this transaction and I informed XX company that I, consumer and natural person reject their offer of decline. Pursuant to USC 1691 ( a ) ( XXXX ), if one operates in good faith they can not be denied an extension of credit. My certified letter was sent XX/XX/2022 which provided details on the allotted time to respond to my counteroffer. XXXX XXXX is aware that the consumer credit transaction was already completed however there was no benefit for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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:
Hi, XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. 
I would like the negative items removed they are impacting my score. they don't belong to me. I don't know who they belong to but they are not mines and my score is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
During the Pandemic I was placed on the forbearence program due to my financial status. The forbearance was set to expire in XX/XX/XXXX. In XX/XX/XXXX Mr. Cooper which is the mortgage company has reported my account to all XXXX credit bureaus as DELINQUENT when in fact I was not being late and still was in the forbearance program. As a result of that my credit score has been reduced to XXXX points causing me to lose on the property I was about to put an offer on. Mr. Cooper 's action for reporting my account to the credit bureau has impacted me hardly and financially in so many ways. I have tried to speak to a customer service and a manager to see if i could have the issued escalated to resolve this matter and have my account updated however i was not being successful. I am requesting to have the account removed from all the XXXX credit Bureaus ASAP and be compensated for my losses as this is very unfair and unjust to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, DISCOVER FINANCIAL SERVI failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation