vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been unable to have several loan applications processed because my Transunion records are frozen. They put me on hold and don't answer. Their website has locked me out and won't accept my password because I am no longer a subscriber. I have not received a response to my email. They are deliberately holding my records hostage until I resubscribe. I am trying to obtain a loan ( with a FICO score over XXXX  ) to pay for services that will help me service the current COVID-19 crises. Transunion is preventing me from saving my life with appropriate, high-quality health-sustaining equipment.

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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
Problems started XX/XX/2020 when I noticed I did not have a pending direct deposit that was supposed to go to my bank Direct Express I called them on XX/XX/2020 and I was informed that the deposit was made but no funds were available in my account and I did not have any holds or suspensions on my account. I was told the funds would be available 2 -3 days after received at their bank, I disputed the statement because normally after funds are released to bank, they are immediately made available. I was informed by Supervisor XX/XX/2020 that the problem was with the Dept of VA  who is paying agency. Spoke with VA and they explained in, full detail the direct deposit process ... .funds were released from Dept of Treasury on XX/XX/2020, approximately 4-5 days after the funds will then be released to your bank granted that you don't have any holds or suspensions, which in my case I did not have, bottom line is this bank has a 1 rating with XXXX  and has generated close to 1000 complaints regarding same issue I am having and the government and FDIC are doing nothing to protect and guarantee we will retrieve our funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
I had a Auto Loan account with GM Financial. My vehicle was repossessed and sold in 2016. I never received a letter giving me the breakdown on what the vehicle was sold for and the balance. The vehicle was sold for more than what was owed. The balance showing on my credit report is incorrect and needs to be updated and/or removed. I have contacted GM Financial and they has refused to send me the letter showing the total breakdown of the vehicle cost and sold price.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CO

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days past due on the DPT EDXXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}

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 2020-04-02 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX  XXXX {$580.00}

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 2020-04-02 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX {$180.00} BANKRUPTCY  XXXX {$0.00} BANKRUPTCY   XXXX {$0.00} BANKRUPTCY  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have requested on at least three different occasions for Santander Consumer USA to send me paperwork to validate the debt they claim that I owe on my XXXX  XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any  paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in Santander Consumer USA has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: FL

Complaint narrative:
I went into a financial hardship with Comenity Bank/XXXX in XXXX of XXXX that placed a late payment of 30 days, 60 days, starting in XXXX  30  days, XXXX 60 days, XXXX  60 days. XXXX  60 days, XXXX  30 days, then XXXX  30 days. I called this company and explained my situation that I was unable to pay my payment due to a financial hardship and they placed me in a hardship program paying {$40.00} per month without interest for a year. I have done that and also completed the hardship program and was placed back into payment status paying on time payments every month afterwards. In XXXX of XXXX I began to start regular payments. I began to seek Goodwill Adjustments to the late payments that was placed on my account with constant refusal to look into reasons. When I came off the Hardship program I was transferred to another financial company called XXXX XXXX  who is handling all payments at this time with continued on time payments with this company. I sent them a Good Will letter thinking that I can get an adjustment and they stated that if they did not place the late payments they would not be removed, I would have talk with Comenity Bank. So, I sent them another Goodwill letter about the late payments and how my paying this bill has been exceptionally good with no late payments just trying to pay this bill down. I received a letter from them stating they are unable to make any adjustments to my account. All I'm wanting is a chance to have a fresh start at making improvements on my credit so that I may be able to purchase a home in the upcoming year, and to show them that I can be financial dependable in my finances along with a chance to fix my credit ratings. Comenity Bank shows no consideration to their current or pass customers as to forgiveness for hardships and considering the blemishes these late payments has caused even after the consumer go an extra mile in satisfying a road to Goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank forced placed lender flood insurance on my loan that is not required and is refusing to reverse the transaction. 

Please see the details below : XX/XX/XXXX received letter from M & T regarding a FEMA map revision which placed my property in a special flood hazard area and required I obtain flood insurance. 

XX/XX/XXXX obtained flood insurance XX/XX/XXXX ordered FEMA Elevation certificate as advised by my insurance agent to avoid future premium increases. 

XX/XX/XXXX received Letter of Map Amendment from FEMA stating the structures on the property is not located in the special flood hazard area. 

XX/XX/XXXX faxed information to M & T requesting removal of flood insurance requirement. 

XX/XX/XXXX received letter from M & T stating flood insurance is no longer required and that M & T would no longer track or pay future flood insurance premiums. 

XX/XX/XXXX requested cancellation of flood insurance through agent. 

XX/XX/XXXX received confirmation that insurance was cancelled and refund. 

XX/XX/XXXX received letter from M & T stating flood insurance has expired with no evidence of coverage. 

XX/XX/XXXX received second letter from M & T requesting evidence of flood insurance coverage. 

XXXX/XXXX/XXXX contacted M & T by phone and through the message portal and advised the following - There is a Letter of Map Amendment Determination that the structures on my property are not in a special flood hazard area and M & T has acknowledged this and removed the flood insurance requirement. Please do not obtain lender place flood insurance for my property as it is not required. 

XX/XX/XXXX received the following response from M & T XXXX , Our Insurance manager is looking into this issue for you. We will be in contact when a resolution is available. In the meantime there will be no disbursements on your account because of the dispute. 

XX/XX/XXXX M & T processed a disbursement from my account for lender placed flood insurance. 

XX/XX/XXXX I contacted M & T through the message portal and advised that On XX/XX/XXXX M & T processed a flood insurance payment for my loan in error. This message is requesting you reverse the transaction and refund the {$260.00} to my escrow account. My property is not located in a flood zone. When I did not receive a response from the Insurance Manager, I assumed we were all set. 

XX/XX/XXXX returned a call received XX/XX/XXXX and was advised very rudely by the M & T representative that M & T is not waiving the lender placed flood insurance I will not be refunded THATS JUST 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 monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: RI

Complaint narrative:
I have filed a complaint previously, this company has yet to send me any documents regarding this collection so I can dispute it properly. It has been months now and I would like them to remove this debt from my report as it is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX   XXXX {$160.00} COLLECTIONS XXXX {$180.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-02 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX   XXXX {$160.00} COLLECTIONS XXXX {$180.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-02 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX  XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested on at least three different occasions for XXXX XXXX XXXX to send me paperwork to validate the debt they claim that I owe on my Equifax XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in XXXX XXXX XXXX has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 went online to obtain a tax id for my XXXX. THe first site I saw was XXXX XXXX XXXX. It appears to look like a legit irs site. I put in my company information. They charged me XXXX for a tax id number that they said would be emailed to me. In the meantime, I was online and noticed that IRS does not charge for a tax id number and was going to call bank to have it stopped but then someone from XXXX XXXX  called me. I was livid at this time and told them I thought their company was misleading consumers, that I did not want their service, that I was not paying them and I wanted to speak with a supervisor. THey put me on hold and after about 20 minutes, I was disconnected. At that time, I contacted the bank who said they would investigate. I just received a letter from the bank, stating they deemed the transaction legit and are now, at this time during the coronavirus outbreak no less, recharging my account {$240.00} in 3 days for something I never received. It also took me 2 days to get through to the bank and the and are not helping either. The point is I never received a tax id from XXXX XXXX XXXX and just want the bank to not process the charge which I tried to convey with them this morning to no avail Here are the facts : I went on this site that looks like an IRS site and paid {$240.00} for something I never received. There is no disclosure on the terms and policy page of XXXX XXXX XXXX that they are not part of the IRS. 
I told XXXX XXXX XXXX I did not want the service, wasn't going to pay for it, and never received it. 
The Bank, TD, could show me no documentation that I received the tax id via email so how they said this was deemed valid, I am not sure. 
The outcome is that I received a tax id number free from the government site. I did not receive a tax id from XXXX XXXX XXXX. 
I would like TD bank not to take this money from my account tomorrow. This XXXX XXXX XXXX  is clearly misleading, there is nothing to disclose to the public that they are not part of the IRS and non suspecting consumer would clearly think they were legit. TD Bank should be able to protect their clients better especially when a product has not been received regardless how misleading XXXX XXXX XXXX  is being with the public. 

Please let me know if you can help. 
THank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to pay with my Chase card and it was declined for NO reason. Having paid this company before with the same card it made NO sense. I called Chase bank and they said there is NO problem with the card. It did not go thru after 3 tries. I called the central office, 58 minutes on hold, I got the most idiotic nonsense for non answers as to what the problem is. They wanted a pin number - provided - said it was wrong - not incorrect. They they would snail mail a new pin and it would take 10-13 days to get. In the meantime I could NOT pay any of my bills. Beyond unacceptable. This has happened several times before, they keep saying NO PROBLEM, but there is almost always a problem with Chase. 
I need a bank that is in XXXX XXXX  XXXX  AND XXXX XXXX XXXX XXXX   as I travel between both places numerous times a year. I haven't found one to change to as yet. This arrogance and stupidity has to stop, it is damaging my business reputation - cant pay my bills.

I need this problem permanently solved ASAP.

Company response to consumer: Closed with explanation