vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My money is being held without purpose upon my account being closed for 90+ days By Square. Ive been reading other consumers complaints about this company and they tend to do this with no explanation and always take over 90 days to pay out what we are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank closed my checking account on XX/XX/2022 as per my request, but my saving {$43000.00} has not been returned to me. I emailed the bank 's case manager on XX/XX/XXXX. The case manager called me the next day, confirmed the check was mailed out and suggested me waiting for another month. But, the check never came. I emailed her again on XX/XX/XXXX and XX/XX/XXXX. She did not reply. So I mailed a letter to Customer Service at XXXX on XX/XX/XXXX. The bank never replied my letter in writing, but the case manager called me on XX/XX/XXXX and XX/XX/XXXX. She told me I needed to fill an application form due to the big amount on the check. Why did she not tell me the first time the form was required? I doubt about the check had ever mailed. OK, I requested her to email me the form. She said she was unable to do that because of the company 's policy. She was not allowed to reply customer 's email. It sounds so weird. I have her email address because she emailed me before. OK, I did not insisted on that. She said she mailed me the form. Normally it took 7 days to arrive. Today is XX/XX/XXXX. 27 days has gone. I have not received the form yet. I am very disappointed. I am submitting this complaint and looking forward for a resolution. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NV

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate. 
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I purchased my XXXX XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Dealership is XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, CA XXXX ; Stock Number XXXX. The total balance due was {$32000.00} and a Finance Charge of {$5200.00}. I went on Short Term XXXX towards the end of XX/XX/XXXX but still continued to make payments. The financing company is called Bridgecrest and the insurance company is called XXXX. I ran into some problems with my previous employer and my income stopped. I was liquidating investments and incurring massive debt. I reached out to Bridgecrest Customer Service on XX/XX/XXXX about the payments. I received an email on XX/XX/XXXX about calling customer service. However, no one answered my phone calls. Eventually, I went back to work and was able to continue payments. I was fired from my job in XXXX of XXXX and ran into income issues again. I reached out to Bridgecrest again about my income issues on XX/XX/XXXX and received an email on XX/XX/XXXX. I tried to continue making payments- as best as I could but it has become very difficult. I am waiting on my federal refund and informed Bridgecrest about my financial woes. I told customer service that I needed an extension on my payment plan and that I had lost my job. I was informed that the extension could not be allowed by their customer service representative - who sounded very XXXX and XXXX American. It also sounded as if someone else was telling him to say the things he was saying. I was informed that only after about 90 days, would they allow an extension- which sounded a bit strange to me. I am still receiving almost daily phone calls about my current balance due but Ive continued to make payments- with my limited resources. The current balance that is past due is {$900.00}. Ive also noticed that somehow the valuation on my car is now {$14000.00} trade-in-value according to a XXXX report on my car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, XXXX XXXX I have consistently sent letters to Transunion about credit card acts that are on my credit profile that I wont deleted. They have not deleted them, and refuse to even respond to my request Ive called and been hung up on and they only allow you to dispute one thing at a time. If you see 3 errors once you dispute 1 there system kicks you out so I mail everything to them. 
There reporting is ridiculously they toy with scores and it makes no sense what so ever. I have a 99 % payment history, but yet every month I have XXXX points removed and then I complain and they put same points back and then repeat the same loss of points each month destroying ones credit score ( State of Arizona Statute limitation for credit card debt is 3years, auto loans is 4 years, medical and mortgage is 6 years. Unpaid state taxes is 10 years Accounts : all open ended accounts such as credit cards below I requested that they be deleted, they are all 5+ years old and others are 10+ years old. They are settled {$00.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries not removed that were fraudulent, I personally contacted the company XXXX that as a result several other companies under them has inquiries on my report as well. I told transunion that at the same time they said my acct was hacked three times within a two month period and I wanted them removed. I sent 6 apology letters from XXXX which took accountability for any inquiries they took place as a result of them shopping for rates for something I never requested on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX never okay or authorized them to do anything for me, in fact I have a opt out on file not to share and I dont do red parties XXXX XXXX-someone consistently tries to open accounts and Ive spoken to XXXX XXXX. I already have a XXXX XXXXXXXX but more and more inquiries keep appearing. Fraud XXXX XXXX XX/XX/XXXX, XX/XX/XXXX on report twice XX/XX/XXXX, XX/XX/XXXX on report, XX/XX/XXXX and I have a freeze, but transunion allowed a inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE SENT OVER MY CORRECT INFORMATION TO EQUIFAX AND XXXX, AND THEY REFUSE TO CHANGE THE INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE INCLUDED MY DRIVERS LICENSE, CURRENT BILLS, LEASE BANK STATEMENTS AND W2, THEY STILL REFUSE TO UPDATE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: OH

Complaint narrative:
I submitted paperwork to pay off the lease balance on a XXXX XXXX XXXXXXXX XXXX with Volkswagen Credit and it was received by Volkswagen Credit on or around XX/XX/XXXX. At the time, I was told that I could expect the documentation to be processed and for title to be sent to me within 3 weeks of receipt. Since that time, I have communicated with a representative of Volkswagen Credit at least 5 times. During such communications the time frame for when I could expect title to be sent to me has changed from within 3 weeks, to 30 to 45 days, to 30 to 60 days. As of today, we are at day 50. Volkswagen Credit has indicated that the delay is driven by " third-party vendor issues, '' but have been unable to provide any assurance of a timeframe for resolving said issues. Nonetheless, the delay has caused me to be without approximately {$17000.00} for 50 days and has delayed my realization of the sale of my car. Given highly volatile market conditions and fluctuations in used car prices, this has subjected me to an inappropriate and unreasonable amount of financial risk. I have researched other similar financial services companies and their publicly stated timeframes for lease payoff processing ( to the extent available ) and some as short as 10 days from receipt have been noted. 50+ days is simply commercially unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: ND

Complaint narrative:
The debt in question is a debt I have no prior knowledge of. I have initiated multiple disputes with this debt collection agency. The debt collection agency continues to neglect to send me any form of verification or legitimacy of this debt. I am completely unaware of the original creditor, the debt collection agency, or any account where I owe stated amount. This agency has reported this debt to all major credit reporting bureaus without my acknowledgment of said debt and/or without verifying the debt belongs to me. I do not believe this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2023-04-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shellpoint Mortgage took over as the servicer for my mortgage in XXXX of XXXX. Since then, I have not been able to log into my online portal to review, pay or change my loan. After many phone calls over the last 8 months, they have been unable to fix my web portal. 

With my previous loan servicer, XXXX, I was on a forbearance program due to losing my job during the XXXX pandemic. When Shellpoint took over my mortgage the continually mishandled the forbearance. They repeatedly told me over several months that I was not on a forbearance program and every time I had to correct them. When the forbearance program ended, Shellpoint did not contact me in the same way that XXXX was handling the forbearance. 

Because I was not able to use the web portal and the lack of communication from Shellpoint, I missed the first payment because I didn't know when the forbearance ended. 

Shellpoint then reported me to the credit bureaus as almost {$28000.00} past due late on my payments, and reported my principal as {$30000.00} more than the actual amount. My loan principal is now being reported higher than the amount the loan originated at in XXXX. 

Customer service can not do anything to fix any of my issues. The " Loan Servicing '' department under no circumstances will communicate directly with customers and as I'm told they are the only ones able to fix loan issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XXXX there were fraudulent charges on my credit card in the amount of {$14000.00} and the funds were taken from my checking account on XXXX XXXX, XXXX that was linked to autopay for my credit card charges. I notified my credit card company about the fraud and I was reimbursed twice in error, once on XX/XX/XXXX with a paper check and once on XX/XX/XXXX with ACH reversal. On XXXX XXXX I received a bill from my credit card company for {$14000.00}. On XX/XX/XXXX my bank manager helped me get a cashiers check for {$14000.00} and I mailed it to my credit card company the same day certified mail, return receipt requested. The due date on statement was XX/XX/XXXX, and they received payment on XX/XX/XXXX. I was surprised when I received a statement in XX/XX/XXXX indicating I owed them {$110.00}. When I called them to inquire about the bill on XX/XX/XXXX I was told it was 3 days interest because they claimed I didnt meet the payment deadline. I then mailed them copies of all documents to prove I did indeed send payment on time on XX/XX/XXXX. I received another bill from them for {$150.00} since they tacked on late fee and additional interest charge with a due date of XX/XX/XXXX. 
I have called about this numerous times and they are only willing to waive a portion of the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this 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 2023-04-27 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: TX

Complaint narrative:
I submitted a complaint last XXXX XXXX XXXX and XX/XX/XXXX. The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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:
I submitted a complaint last XX/XX/XXXX and XXXX XXXX XXXX The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. Its so weird that y'all keep claiming this account to be verified and IT IS SO ABUNDANTLY CLEAR that the info is inconsistent. Now rather is XXXX, XXXX XXXX or Transunion that its reporting the wrong information is none of my concern, XXXXhe point is ONE OF YALL WRONG DELETED this mess its very clear it wasn't properly verify. Have currently XXXX late payments that are not accurate. I have been asking for proof of how I was late and how can the XXXX credit bureaus have different late payments listed? For the past year I have asked for this information to be updated with no verification other than the company saying they are Correct, If so why do I have different late payments?. I'm demanding for my profile to be updated to no late payments. 

Please view the information below as proof.

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