vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-08 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX trying to resolve the inaccurate information on my consumer report. This has caused alot of hardship in me trying to buy new home also stopping me from getting approve for new credit cards.

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 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. XXXX showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note XXXX held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by XXXX several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. XXXX did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by XXXX to defraud the consumer out of funds at the end of a lease. XXXX illegally and fraudulently reported and sold a paid off debt to Constar Financial Services , llc. resulting in undue stress and hardship on me. I am sure XXXX has done this to others and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We applied for a mortgage to purchase a property in XX/XX/2021. After, submitting all the required documents, income verification, and so forth, the loan officer at Rocket Mortgage went over the details of the mortgage and informed us that in order to proceed, he would need a {$500.00} fee to lock in the interest rate. The mortgage couldn't proceed without this he said. When asked if the fee would be refunded should the deal fall through, he replied, " absolutely, you will get the money back if that happens. '' So we thought about this for a time and as the rates were beginning to rise, we decided to lock in the lower rate in XX/XX/2021. Everything was going well, and we were almost ready to close last month when the unthinkable happened, my husband lost his job. We were honest and informed the loan officer of this tragic event, and he stated that the loan and closing could not take place. As devastating as this was, we asked him for the fee to be returned to us. He stated we would receive it within 5 business days. Well 5 business days came and went and we checked our credit card statement to see if the money had been returned, it had not. So again we called and finally reached the loan officer who worked with us. He seemed surprised that it hadn't been refunded, he said it should have been by this time. Then he referred us to the Client Relations Specialist who was going to look into this. Then I noticed that he began peppering his words with phrases such as, " what was left over from the appraisal should come back to you. '' You will get the extra amount. '' He never said that before. Besides, the appraisal fee was included in the closing costs, which I have included here, and this transaction never closed. We have no idea what he was talking about. Then yesterday, when my husband called to discuss this with them, they kept mentioning all the costs, the credit report having to be run, and this is often done for free. Yes the appraisal had been done as we were getting ready to close, but then the deal fell through so we couldn't close. We would appreciate you help with this as we really need this money back. We have considerable expenses. It is awful enough to lose this property, but my husband also lost his job and is stressed by all of this and now they refuse to refund our money which they had promised to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I purchased a refrigerator from American First Finance in the amount of {$1400.00} thru their rent to own lease program. On the day of delivery, it was returned to the store because it was the wrong size for my kitchen. I contacted the store to cancel my order and refund the deposit. The store associate directed me to contact AFF customer service. I was told by their customer service associate the account would be closed and I would no longer be billed for the refrigerator. 

I'm still being billed after several attempts to resolve this matter, American First Finance has been sending harassing calls, bills, and have placed the account on my credit report. 

The attached rent to own lease contract states the return policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX I got a deposit from the irs for my tax refund. I went to the bank transferred money in my dads account wrote checks to my day care and car payment rent then around XXXX the restricted my account bounced the checks then deposited my pay roll check today. They still havent closed my I have asked them to close it and give me my money and they said it would be 10 days Then another 10 days they are hold almost XXXX XXXX dollars of my money and wont let me touch it I owe bills I have 2 kids I have to feed my car payment is due I just need the money released and they are holding it. Wont tell me why they closed it and told me there was nothing I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter via mail XX/XX/22 to Transunion asking for documentation in regards to 4 inaccurate accounts reporting on my report. These accounts when I attempted to dispute them came back as validated by Transunion. It is now XX/XX/XXXX and I have not received ANYTHING from Transunion. These are still reporting negatively and are drastically effecting my credibility and defaming my character.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX credit card with Comenity bank locked me out of my account, cancelled my auto pay, then charged me {$60.00} fees on a {$30.00} balance due to my " late payment ''. I had to call the bank and wait on hold for 20 minutes to execute a payment, and the representative XXXX XXXX was EXTREMELY rude and basically confirmed the contempt the bank has for customers. This behavior ( not allowing me to pay while charging me fees ) seems predatory in the least, most likely illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I had no idea loan amounts would be this large and would be for this amount, the school job rate after is awful this degree they say there is nothing that can be done getting a degree here was too expensive with no help to obtain a decent job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: FL

Complaint narrative:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX Account XXXX XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Applied for 2yr promo card with home depot. Used only once on the date of application. Never explained to exactly what would happen after 2yrs. Covid hit 4 mnths after applying. My business was hit hard and never recovered. Yet, I continued to make min monthly pymnts to stay afloat- & I did. Promo ended during covid and in seconds my balance doubled. I went from XXXX balance to XXXX. I had made 2 payments of significant amounts just a day or 2 before promo was ending. Rep on the line never mentioned what was goina happen and still collected payment. Overnight my min bal went from under XXXX $ to XXXX $ minimum. I have tried for several mnths to set up a pymnt plan to no avail. Today I talked with a rep, a L2, & a customer service supervisor. I am being told if I can not afford XXXX $ XXXX I am not allowed to set up the pymnt plan. OR pay XXXX within XXXX. I can not afford either & I have explained this to all XXXX of them. Again to no avail. I am told that my interest will continue and have a possibility to continue til XXXX! XXXX go to collection agency. Why should I suffer at every turn. I didn't make the pandemic start that ended hundreds of thousands of businesses. I didn't ask for any credit limit close to XXXX cause I can't afford it. I paid every mnth throughout the entire pandemic. And am still trying to pay this underhanded company now. I'm doing best to be responsible and accountable for this but at every turn I get a gatekeeper that won't allow you to pay down a balance if it's not their exact amount to pay ev month. Instead of some sort of rectification they'd rather just KEEP CHARGING ME so that the hole becomes deeper. I've never known a debtor not collect towards debt UNLESS they have a different scheme to get you.

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 2022-03-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
The credit card company is Avant credit card. I have been attempting to resolve a dispute since XX/XX/2022 for an unauthorized charge in the amount of XXXX for a merchant I do not recognize. The company had never contacted me regarding the dispute. I have never used the card for any purchase since the accountnwas opened. I am also trying to close the account out. I am now being charged a XXXX late fee since I refuse to make payment on a fraudulent charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal 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 2022-03-08 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: FL

Complaint narrative:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal 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 explanation
Consumer complaint received 2022-03-08 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 did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX {$1500.00} was deducted from my Truist-B & T-Subtrust checking account ending in XXXX showing details : " XXXX # XXXX PAY DEBIT MEMO '' -Communication with the bank has been impossible : >50 minute hold times for the main number, closed branches, branch phone calls not answered, etc -I was able to speak briefly with a branch mgr. via phone who explained the branch could not assist with this matter. He did provide enough information to point me in the direction of the possibility of credit card debt from a prior owned business. I left this business in 2011 and filed for bankruptcy. This card issuer was listed as one of the debtors. Bankruptcy particulars are attached. 
-I have made several attempts to explain this to the bank via telephone but have been left on hold for > XXXX hour.

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