vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
Currently I am being charged PMI. As of XX/XX/2021 I owed less than 80 % on my home based on current market value and Loan Depot is refusing to drop PMI. They also will not disclose what my home value is being based off of while I sent them all recent sales within the neighborhood to prove my value of ny mortgage is less than 80 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is in regards to vehicle titled under Hyundai Motor Finance under VIN # XXXX. Hyundai Motor Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in Hyundai Motor Finance automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. Hyundai Motor Finance are now breaking the law and could be held criminally and civially liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to Hyundai Motor Finance address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed a collection account with Credence Resource Management that I had no knowledge of and this account was deleted from my credit report. On XX/XX/XXXX, with no written knowledge to me, this account was added back to my credit report in the amount of XXXX. Credence Resource Management is reporting that this account was opened XX/XX/XXXX which is absolutely untrue and they are trying to collect on behalf of XXXX ( whom I have never had an account with ). This is unfair and deceptive and my credit score dropped 49 points as a result of this company 's unfair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase my own insurance separately. XXXX XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Ally Financial XXXX has unlawfully collected 52 completed payments from me on behalf of this alleged debt. Ally Financial has harassed me regarding this debt. Ally financial has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Ally Financial an opportunity of notice to settle these violations civilly and in accordance with federal law. Ally Financial XXXX response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt therefore Ally Financial must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX XXXX TransUnion, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I deposited my paycheck on Friday XX/XX/2021 at an ATM in XXXX, AL. I previously confirmed with Wells Fargo that my money would be available the following day. My ATM receipt also states my deposit would be available on XX/XX/2021. The following day I get an e-mail stating that my funds were being held until XX/XX/2021. I called Wells Fargo to see what the problem was and was told to refer to the maker of the check. I called my employer on Monday XX/XX/2021 and told them the problem. We called my employers bank, XXXX  XXXX XXXX, and was told the money was released to Wells Fargo when requested on Friday. I called WF back and was told I needed to go into a branch and the hold would be lifted. I went into a branch and was told it was a fraud hold on my account and they couldn't do anything about it. I called the fraud department and was told they have nothing to do with this hold. At this point my money has been stolen by Wells Fargo and I will be filing police reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
We sold our car that had a loan with Wells Fargo Bank in the end of XX/XX/2021, and the the loan was paid in full no later than XX/XX/XXXX. The loan has still not reported onto my credit as paid in full as of today, XX/XX/2021. I am obtaining a home loan and need a paid in full letter so I called Wells Fargo loan on XX/XX/2021, and was told I would have the letter in my email this morning on XX/XX/2021. I have not received it so I called Wells Fargo Auto and was told it would be taking 72 hours and the rep advised that she can put another request in but she is " unsure '' if it will cancel my request and make sure I don't get one. This is unprofessional and uncalled for! I would appreciate if you could assist with this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I have a car loan with Exeter Finance, I have had nothing but issues since starting with them!! Ive currently hired an attorney to sue them for stealing, fraud, harassment, financial hardship, emotional distress, as well as reporting inaccurate and false information to all three credit bureaus!!! Not only have I been called daily and sent emails daily since getting the loan, I caught the company trying to steal from me, and in the process am continuing to daily get harassed and lied to and have even spoken to management and was promised a credit onto my account due to their mistakes and faults in which I still havent received!! As well as received a letter in which was overnighted from the office of the president last week stating they never made any mistakes at all but when stating my evidence I have against them over the phone with her was asked to send whatever documentation I have over to her email, are you kidding!! Why would I do that?? Let alone its XXXX and I made two payments in XXXX and they have reported Im over 90-180 days late on my payments when Im not!! Let alone They have stated payments werent made on my credit report when I have evidence and bank statements in which show payments were actually made!! Their screwing me, scamming me as well as damaging my credit score at the same time!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened an account with Citi Bank ( Citi Priority Account ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter dated XX/XX/XXXX saying " After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' I received almost exactly the same letter over 3 years ago, dated XX/XX/XXXX, for which I submitted a Consumer Financial Protection Bureau complaint, ID XXXX-XXXX. The outcome of that complaint was that my account was reinstated. 

After receiving the letter dated XX/XX/XXXX, I called the phone number provided on that letter, XXXX. The representative I spoke with said that they see no indication that my account is going to be closed, and they aren't sure why I received that letter. I called back to speak with a different representative, and they also told me there's no indication that my account is going to be closed. The second rep I spoke with said that the letter was sent in error, and my account is not going to be closed. I proceeded accordingly, scheduling business bills to be paid on this card. 

Logging in after XX/XX/XXXX, I saw that my card was, in fact, closed. This resulted in numerous unsuccessful charge attempts for bill payments I had scheduled, causing those accounts to become overdue, as a direct result of the misrepresentation provided by the multiple representatives I spoke with, who assured me that my account would not be closed. 

After seeing that my account was closed in late XXXX, I called Chase, was transferred to different departments approximately five times, and I ended up being transferred to the executive office again ( the office that had previously reinstated my card account that was closed back in XXXX ). I received a voicemail from the executive office on XX/XX/XXXX, saying that they have completed the review and confirmed the closure of my account. 

The exact same thing happened back in XXXX, where I was called from the executive office and told the account closure was confirmed, then they later reached out and said they reconsidered and reinstated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo over a dozen times and every representative assured me that everything would be taking care of. I was relieved. But then a year later the inquiry was still there. Again I contacted Wells Fargo on XX/XX/2021 spoke to XXXX from the fraud department she also convinced me that she would definitely take care of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXXXXXX  XXXX  Ohio XXXX 2 & 3. XXXX  XXXX Inquiry XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, de  XXXX None of these inquiries were made by me and Transunion, and XXXX are saying that i need to file a report with you all to prove that it was not 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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
On XX/XX/2021 I paid off my mortgage, on XX/XX/2021 my bill pay accidentally sent another payment to my loan at citizens one bank. Realizing my error on or about XX/XX/2021 I contacted Citizens One and requested the overpayment. Citizens One said they would send another check on XX/XX/2021. Today on XX/XX/2021 Citizens One says they now need to mail me a form to request the monies owed to me.

Company response to consumer: Closed with monetary relief