vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: MO

Complaint narrative:
I am a consumer and my consumer right continue to get violated by Transunion. A collection account from XXXX XXXX XXXX have been removed from reinserted back on my consumer report 3 different days. It was removed on XX/XX/ 2022 and reinserted same day XX/XX/XXXX, removed XX/XX/2022 and reinserted same day XX/XX/2022, and it was removed XX/XX/2022 and reinserted same day XX/XX/2022. I am not a consumer expert but I know this is illegally because they were to notify me in writing 5 days before its get reinserted back on my consumer report. I have sent them 3 letters and nothigns has changed. I'm looking forward to taking care of this matter thanks.

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 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit acceptance is reporting wrong information. I tried with with all 3 credit reporting agencies to have this company removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX//2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a XXXX XXXX from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase bank recently gave me issues regarding checks I deposited. The issue started when I deposited a {$2000.00} check. They claimed that they could not get a hold of the bank to verify funds so there was an extended hold on it. I called the bank and was able to get a representative right away. The check issuer called the bank while I had Chase on the phone a few days later and they confirmed that they released the funds to Chase Bank so there should not have been a hold. They released the funds then. I consistently deposit church checks in the amount of {$250.00} into my Chase checking account every Sunday and I've never had an issue with them releasing the first {$200.00} with a hold of {$50.00} and they never had an issue with receiving the funds from the bank that the Church banks with. This problem started after the incident with the {$2000.00} check and I feel that this is being done on purpose because of that {$2000.00} check where they had the funds but refused to release them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a legal expert from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never zeroed put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from XXXX late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to 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 2022-08-30 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:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a legal expert from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-30 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: NC

Complaint narrative:
On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from XXXX late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from zero late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CT

Complaint narrative:
Transunion, XXXX, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them

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 2022-08-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX, XXXX, and equifax Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX  till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX, Experian, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with XXXX derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them

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 2022-08-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Beginning on XX/XX/2022 Fraudulent activity began occurring in one of my checking accounts with Chase Bank. On XX/XX/XXXX XXXX issued a statement which was not received by me until XX/XX/2022. At that time I attempted to make a claim for this and although I waited on hold for more than 60 minutes, I could not wait any longer. I did not get back to this matter until I noticed through my online banking in early XXXX that more than XXXX was missing cumulatively from my account with fraud taking place through ACH withdrawals as recently as the day before I made the claim to Chase Bank. The claim was made with the assistance of as Chase Bank representative by phone and I was to wait for a form to be sent to me by Chase in the mail which I needed to sign and return. Two letters arrived. The first letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/XXXX where there were improper credits posted to my account. The second letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/2022 where money was taken from my account. Chase acted immediately on the credits and withdrew from my account. The money taken from me they are not returning due to some excuse about how quickly they got the form back. It is unbelievable to me that they control the speed at which the letter ( claim forms that they fill out ) are sent by mail which is the only way they will send. The day they were received I signed them and proactively took them to the local branch. They do not recognize this as returned but rather they count received only when it is recognized as returned to the claims department. I also have no control over this processing /relay time from the branch to the claims department. ; I have spoken to the claims supervisor and have been afforded no relief. Further Paperwork that I have received from Chase indicates other abnormalities and misrepresentations. One letter ( attached ) clearly shows that they took action on credits and removed money from my account for claims beginning on XX/XX/2022. Another letter states that {$5200.00} of my claim has been denied because of timing of when I reported the claim to Chase. When I spoke to the supervisor she was at a loss for what the meaning was and claimed it was denied for different reason altogether. I know that reading this one must think there must be something I am not saying or that I am leaving out. I assure you this is not the case. Everything stated herein represents the facts. To date out of more than {$20000.00} stolen from my account Chase has returned XXXX, representing just one instance of the fraud perpetrated against my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
date : XX/XX/2022 amount : {$2000.00} My TD credit card was stolen 3 months ago and was used for {$2000.00} at the XXXX XXXX 
I got a text asking if it is me and sent back No immediately and also called the TD credit card and it was stolen. they closed the card. 

I spent so much time waiting in line for the call to get this resolved. I even faxed the police report for the case. But they don't give any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it May in concern, I been in constant communication with the WELLS FARGO HOME MORTGAGE - HOME PRESERVATION PROGRAM on behalf of my account and see what are my options repayment of delinquent balance that was in Forbearance ( COVID SITUATION ). I requested review for mortgage modification on XX/XX/2021 for what is owed & been submitted all documents requested at this point. I contacted them for follow up and after months they continue requesting the same docs since hasnt been reviewed on time and the documents signed got expired and need to be resubmitted. At this moment after 1 year and half of this process, calling daily, been submitted all documents, also contacting the executive office and submitted more than 20 claims to Excallation department about my situation and concerns about this process without any resolution nothing has been done. I just been notified that the foreclosure process started when my last call they told me was under reviewing and submitted all documents again dated without been requested for them dont have any issue ( 45 pages faxed confirm ). 
Just to add more details about my concern At this point my property increased in value 3 times of what is owed and I feel the bank want to take over my property since they know they will make more money than what is owed. 

Also when I buy my property in supposedly good condition but it wasnt. I was victim of sale fraud since the 1st week I moved in to the property all this happened-kitchen collapsed, electricity exploted, water start coming out thru wall and all that come thru the plumbing go out thru bath tubs. That puts me in the very bad situation since even can be at the house with my kids for that reason I was on the emergency of this repairs and renovation been done immediately to puts on living conditions for my family been able to live in stable condition. This problem also cause economic problems that wasnt plan by that time and needs to be done urgently. This repairs also helps the increase of the property value that they need to take under concern. 

Im not feel like they are willing to help since they havent been doing a fair work and most likely make me feel mistreated and all misleading information and non communication because they also never talk or mention other options available thru government agencies & services that where available providing funds for homeowners that just been close on XX/XX/XXXX. 

I understand that by Law by the Consumer Finance Protection Bureau- The No FEAR Act to federal lending corporation my application supposed to be review as others and come back with resolution or recommendations on behalf of my default account, at this point I havent received nothing on behalf making me feel discriminated. Please I need help on behalf and what I can do to dont loose my home.

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