vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: VA

Complaint narrative:
I returned a leased vehicle to Volkswagon ( VW ) Credit in XX/XX/XXXX. In XX/XX/XXXX, I received a tax bill from VW Credit for that leased car in the amount of {$1100.00}. The county said the whole-year bill was {$790.00}, which VW Credit paid . Volkswagon did not provide my county with a return date, as theyd presumably planned to bill me for the whole year + several hundred dollars. Note : I paid end-of-lease fees separately ; this bill was solely for county taxes. When I provided my county with proof of when the leased vehicle was returned ( which I obtained from XXXX ), my county sent a refund to VW Credit in the amount of {$590.00} ( {$330.00} and {$250.00} ) around XX/XX/XXXX, having satisfied the actual tax bill of {$200.00}. VW Credit cashed the checks for {$590.00} on XXXX XX/XX/XXXX. I sent my check of {$200.00} to VW Credit to satisfy the tax bill and reimburse VW Credit on XX/XX/XXXX, and as requested, the check was sent to XXXX XXXX XXXX XXXX XXXX. VW Credit has repeatedly sent me bills for ( varying amounts, but more recently ) {$310.00}. VW Credit has been completely unresponsive as I have attempted to remedy this matter with them. After repeated attempts to contact them, and after receiving several bills, I sent a cease and desist letter, and they continue to send bills. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX which they completely ignored, and they continue to send bills. I emailed VW Credit through the XXXX  site, and they did not respond. I do not owe VW Credit any money, and want them to acknowledge my payment for the tax bill, and that I do not owe them any money.

VW Credit has an XXXX rating with the XXXX  and I was not even ABLE to file a complaint through the XXXX website -- the site would not submit the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have made several attempts over the past 2 years to have this account removed due to fraud from XXXX, XXXX and XXXX. I am constantly being told that this accounts belong to you. No it doesn't it was opened fraudulently, and I have provided a police report to show that my wallet was stolen. Inside my wallet was my drivers license and social security card. Also included were other identifying documents. This is a fraudulent account that needs to be removed from my credit report. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX BANK XXXX A Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX  XXXX BANK N A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/22, Loandepot sent me quotes for refinance. 
On XX/XX/22, they confirmed that the same rate was available, and committed on email to waving of origination fee and finally providing at least {$2000.00} worth of lender credits. 
Based on above commitment, I authorized a hard inquiry and wanted to lock the rates. 
They made me wait and did not send a loan estimate on XXXX despite multiple follow ups. 
On the morning of XX/XX/22, I was informed that loan costs have increased and I would have to pay approximately {$4000.00} more towards closing costs of the loan than what was communicated on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/2020 I put an XXXX XXXX freeze on my report and also identity theft freeze on my account because I was a victim of identity theft. Equifax after I submitted a complaint to the CFPB decided to remove my freezes without my consent leaving me vulnerable. They have committed a crime of debt parking for several accounts and refuse to block them. They have also violated my right to have a credit that is equitable per the FTC. When investigating a consumer report, Equifax should have contacted people that know me and not the creditor. CRA have 15 days to produce how they verified an account and I have not received anything. My rights have been violated per 15 USC 1681I { 7 }.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I was furloughed. I had just started a loan modification in XXXX and had made both XXXX and XXXX payments in time. I was told I could resume my payment without the XXXX XXXX payments counting negatively towards my credit as long as I could afford to resume payments. XX/XX/XXXX I finally was able to go back to work. But shellpoint told me I had to pay the entire amount of XXXX XXXX XX/XX/XXXX XXXX the entire amount of the previous XXXX modification in order to keep my home from forclsuree. They refuse to let me resume payments even though I make XXXX XXXXXXXX a year and then reported to the credit bureaus so now I cant even get a personal loan. I dont know what to do because I can afford my home and I dont understand why they didnt inform me of having to have to pay the entire amount in full. I spoke with them several times throughout the pandemic and never once was anything like that mentioned .please help as now I I think its going to be in foreclosure and Ill have to find a new home but now my credit is tarnished even more. I want to keep living in my hone as Ive been here for almost XXXX years. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: AZ

Complaint narrative:
XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for XXXX Transunion If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit

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 2022-02-05 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: AZ

Complaint narrative:
XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for Experian XXXX If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit

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 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have no clue where The charge came from. Upon further investigation that I did myself The bank told me that the charge was made in XXXX  which is on the other side of the United States from where I was at and reside when the charger was made ( I live in XXXX ) I filed a dispute with my bank and they told me that they were denying my claim due to the fact that I had possession of my debit card and I memorized my pin. When I looked into this matter further the bank told me that the card was not swiped it's not swiped but it was a charge that was taken over the Internet for the Internet and that the pin was not entered or even used during this transaction because it was an online matter so there grounds that they are denying my claim upon are not even relevant. A few days prior to this happening I had lost my wallet in a XXXX XXXX XXXX but it was returned to me so there was a period of time when I did not have possession of my my debit card and I notified my bank of this during theDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Cade Investments LLC
State: MS

Complaint narrative:
c.k. withdrawal got access to my checking account,, ive never heard of this company or done any business with them, they took XXXX dollars from my account.,,,,, My bank name is XXXX XXXX in XXXX mississippi

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On yesterday I received another harassing call from Wells Fargo after them already knowing the fact that theyre to only contact the third party involved thats on record. And then as youll see in the attachments they already received the documents for the mortgage assistance application back on XXXX. However now theyre lying once again and claiming that they never got it. This is my last result with this and if this lying and harassment continues then possible legal action maybe taken. Sadly Wells Fargo has been sued by various cities including XXXX Pa for their lying and fraudulent activities and theres been constant complaints about their racism towards minorities in which I happen to be. Amazingly theres been mostly white veterans who receives the free mortgage homes from Wells Fargo. And less minorities and its pathetic on how their Customer Service Represenatives lie claiming that theyre part of some XXXX XXXX but in reality theyre just contained to a small cubicle. Finally after countless times they continues to send letters here in the name of XXXX XXXX to whom has defrauded them with forging my signature on the Mortgage Documents in 2006 and this has been brought to their attention countless times and even a hand writing expert confirmed that this was not my signature at all. Then Wells Fargo claims that no fraud was committed when XXXX XXXX forged my signature on the XXXX XXXX in 2006 and sadly this is why XXXX constantly lying about submitting both sides of the check in which a Judicial Ruling may have to take place if they dont stop their constant lies. XXXX XXXX currently physically XXXX and also feels as though XXXX being discriminated against. So where are the rights for the XXXX Wells Fargo? Make note that XXXX XXXX XXXX who was the assigned attorney who has since been fired by yours truly because he lied to me claiming that he did not have a Bank Account with Wells Fargo and only after the real civil rights investigation he actually did and Wells Fargo knew it and they both were trying to work against me. 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 explanation
Consumer complaint received 2022-02-05 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB CARD XXXX XX/XX/2015 15 U.S. Code 1666B - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TN

Complaint narrative:
I did not give any written instructions to the consumer reporting agency nor did I authorize any of the inquiries that on my consumer report. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). Consumer reporting agencies will be held liable for willful and negligent noncompliance pursuant to the Fair Credit Reporting Act. The following are the inquiries that shall be removed : - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/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

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 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
During the pandemic I had experienced hardship leading my bank account into have a large negative balance. I received a call from my bank ( Santander ) and I quickly started paying off my funds. I did a {$700.00} dollar XXXX transfer to my account but the money did not post, Santander had my money on hold it kept saying processing being that It hit the 60 day mark they closed my account but I had a deposit already made 5 days before closing! I will attach 1 of the 3 deposits confirmations below.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Federal Law states that Consumer Reporting Agencies have 30 days to investigate Transunion is telling me they need extra time anything pass 30 days is a VIOLATION of my rights!

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 2022-02-05 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: MS

Complaint narrative:
The loan company name is XXXX XXXX XXXX XXXX Contact information ( XXXX ) XXXX Address : po box XXXX XXXX, Va XXXX Date it was opened XXXX Account is showing potentially negative on my experian report. I have no knowledge of this auto loan account it was done without my consent, or my knowledge.XXXX XXXX XXXX  auto loan has been using my name, and personal information for XXXX  years.I tried contacting XXXX XXXX XXXX  for the last XXXX years.I contacted experian about this account and disputed it several times but there were no results.XXXX XXXX XXXX is still reporting this potentially negative account on my experian report.This Account is showing as charged off {$14000.00} written off. {$16000.00} past due as of XX/XX/2022.

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